Old Point Financial (OPOF) 10-K 16 Mar 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Mar. 12, 2020	Jun. 28, 2019
Cover [Abstract]
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Public Float			$ 84,024,047
Entity Common Stock, Shares Outstanding		5,200,896
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Address, State or Province	VA

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks		$ 37,280	$ 19,915
Interest-bearing due from banks		48,610	20,000
Federal funds sold		3,975	2,302
Cash and cash equivalents		89,865	42,217
Securities available-for-sale, at fair value		145,715	148,247
Restricted securities, at cost		2,926	3,853
Loans held for sale		590	479
Loans, net	[1]	738,205	763,898
Premises and equipment, net		35,312	36,738
Bank-owned life insurance		27,547	26,763
Other real estate owned, net		0	83
Goodwill		1,650	1,650
Core deposit intangible, net		363	407
OtherAssets		12,315	13,848
Total assets		1,054,488	1,038,183
Deposits:
Noninterest-bearing deposits		262,558	246,265
Savings deposits		399,020	367,915
Time deposits		227,918	228,964
Total deposits		889,496	843,144
Overnight repurchase agreements		11,452	25,775
Federal Home Loan Bank advances		37,000	60,000
Other borrowings		1,950	2,550
OtherLiabilities		4,834	4,708
Total liabilities		944,732	936,177
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,200,038 and 5,184,289 shares outstanding (includes 19,933 and 13,689 of nonvested restricted stock, respectively)		25,901	25,853
Additional paid-in capital		20,959	20,698
Retained earnings		62,975	57,611
Accumulated other comprehensive loss, net		(79)	(2,156)
Total stockholders' equity		109,756	102,006
Total liabilities and stockholders' equity		$ 1,054,488	$ 1,038,183
[1]	Net deferred loan costs totaled $557 thousand and $864 thousand at December 31, 2019 and 2018, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2019	Dec. 31, 2018
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares outstanding (in shares)	5,200,038	5,184,289
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Nonvested restricted stock (in shares)	19,933	13,689

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest and Dividend Income:
Loans, including fees	$ 35,718	$ 34,446
Due from banks	689	198
Federal funds sold	31	21
Securities:
Taxable	2,827	2,080
Tax-exempt	755	1,221
Dividends and interest on all other securities	221	253
Total interest and dividend income	40,241	38,219
Interest Expense:
Checking and savings deposits	1,136	628
Time deposits	3,845	2,916
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	132	131
Federal Home Loan Bank advances	1,309	1,294
Total interest expense	6,422	4,969
Net interest income	33,819	33,250
Provision for loan losses	318	2,861
Net interest income after provision for loan losses	33,501	30,389
Noninterest Income:
Bank-owned life insurance income	784	782
Mortgage banking income	884	788
Gain on sale of available-for-sale securities, net	314	120
Total noninterest income	14,077	13,309
Noninterest Expense:
Salaries and employee benefits	24,024	22,580
Occupancy and equipment	5,628	6,021
Data processing	1,798	1,327
Customer development	552	611
Professional services	2,311	2,296
Employee professional development	791	749
Other taxes	592	580
ATM and other losses	291	407
(Gain) loss on other real estate owned	(2)	86
Merger expenses	0	655
Other operating expenses	2,653	3,188
Total noninterest expense	38,638	38,500
Income before income taxes	8,940	5,198
Income tax expense	1,080	279
Net income	$ 7,860	$ 4,919
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,196,812	5,141,364
Net income per share of common stock (in dollars per share)	$ 1.51	$ 0.96
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,196,853	5,141,429
Net income per share of common stock (in dollars per share)	$ 1.51	$ 0.96
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 3,850	$ 3,726
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	4,085	4,157
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	3,925	3,547
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 235	$ 189

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 7,860	$ 4,919
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	2,325	(1,138)
Reclassification for (gain) loss included in net income	(248)	(95)
Other comprehensive income (loss), net of tax	2,077	(1,233)
Comprehensive income	$ 9,937	$ 3,686

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Reclassification of net unrealized gains on equity securities | ASU 2016-01 [Member]	$ 0	$ 0	$ 77	$ (77)	$ 0
Beginning Balance at Dec. 31, 2017	$ 25,087	17,270	54,738	(707)	96,388
Beginning Balance (in shares) at Dec. 31, 2017	5,017,458
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	4,919	0	4,919
Other comprehensive income (loss) net of tax	0	0	0	(1,233)	(1,233)
Issuance of common stock related to acquisition	$ 748	3,199	0	0	3,947
Issuance of common stock related to acquisition (in shares)	149,625
Reclassification of the stranded income tax effects of the Tax Cuts and Jobs Act from AOCI | ASU 2018-02 [Member]	$ 0	0	139	(139)	0
Employee Stock Purchase Plan share issuance	$ 18	69	0	0	87
Employee Stock Purchase Plan share issuance (in shares)	3,517
Stock-based compensation expense	$ 0	160	0	0	160
Cash dividends	0	0	(2,262)	0	(2,262)
Ending Balance at Dec. 31, 2018	$ 25,853	20,698	57,611	(2,156)	$ 102,006
Ending Balance (in shares) at Dec. 31, 2018	5,170,600				5,184,289
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	7,860	0	$ 7,860
Other comprehensive income (loss) net of tax	0	0	0	2,077	2,077
Employee Stock Purchase Plan share issuance	$ 19	66	0	0	85
Employee Stock Purchase Plan share issuance (in shares)	3,666
Restricted stock vested	$ 29	(29)	0	0	0
Restricted stock vested (in shares)	5,839
Stock-based compensation expense	$ 0	224	0	0	224
Cash dividends	0	0	(2,496)	0	(2,496)
Ending Balance at Dec. 31, 2019	$ 25,901	$ 20,959	$ 62,975	$ (79)	$ 109,756
Ending Balance (in shares) at Dec. 31, 2019	5,180,105				5,200,038

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.48	$ 0.44

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 7,860	$ 4,919
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,220	2,469
Amortization of right of use lease asset	319	0
Accretion related to acquisition, net	(239)	(341)
Provision for loan losses	318	2,861
Gain on sale of securities, net	(314)	(120)
Net amortization of securities	1,103	1,687
(Increase) decrease in loans held for sale, net	(111)	300
Net loss on disposal of premises and equipment	82	9
Net (gain) loss on write-down/sale of other real estate owned	(2)	86
Income from bank owned life insurance	(784)	(782)
Stock compensation expense	224	160
Deferred tax benefit	352	(164)
Increase in other assets	1,967	338
(Increase) decrease in accrued expenses and other liabilities	(625)	732
Net cash provided by operating activities	12,370	12,154
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(103,036)	(26,002)
Proceeds from redemption of restricted securities, net	927	270
Proceeds from maturities and calls of available-for-sale securities	29,725	10,990
Proceeds from sales of available-for-sale securities	65,699	12,536
Paydowns on available-for-sale securities	11,984	10,183
Proceeds from sale of loans held for investment	0	8,746
Net decrease (increase) in loans held for investment	25,529	(3,568)
Proceeds from sales of other real estate owned	85	210
Purchases of premises and equipment	(1,782)	(478)
Cash paid in acquisition	0	(3,164)
Cash acquired in acquisition	0	2,304
Net cash provided by investing activities	29,131	12,027
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	16,293	14,236
Increase in savings deposits	31,105	15,487
Decrease in time deposits	(917)	(14,056)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(14,923)	(2,368)
Increase in Federal Home Loan Bank advances	10,000	140,500
Repayment of Federal Home Loan Bank advances	(33,000)	(148,000)
Proceeds from ESPP issuance	85	87
Cash dividends paid on common stock	(2,496)	(2,262)
Net cash provided by (used in) financing activities	6,147	3,624
Net increase in cash and cash equivalents	47,648	27,805
Cash and cash equivalents at beginning of period	42,217	14,412
Cash and cash equivalents at end of period	89,865	42,217
Cash payments for:
Interest	6,396	4,735
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain (loss) on securities available-for-sale	2,629	(1,560)
Loans transferred to other real estate owned	0	203
Former bank property transferred from fixed assets to held for sale assets	906	0
Right of use lease asset and liability	751	0
TRANSACTIONS RELATED TO ACQUISITIONS
Assets acquired	0	50,406
Liabilities assumed	0	44,324
Common stock issued in acquisition	$ 0	$ 3,947

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Significant Accounting Policies [Abstract]
Significant Accounting Policies	NOTE 1, Significant Accounting Policies THE COMPANY Headquartered in Hampton, Virginia, Old Point Financial Corporation is a holding company that conducts substantially all of its operations through two subsidiaries, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A. The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2019, the Bank had 19 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers, including mortgage loan products offered through Old Point Mortgage. A full array of insurance products is also offered through Old Point Insurance, LLC in partnership with Morgan Marrow Company. Trust offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation. USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses. BUSINESS COMBINATIONS Business combinations are accounted for under ASC 805, Business Combinations Merger-related costs are costs the Company incurs to effect a business combination. Those costs include advisory, legal, accounting, valuation, and other professional or consulting fees. Some other examples of costs to the Company include systems conversions, integration planning consultants, contract terminations, and advertising costs. The Company will account for merger-related costs as expenses in the periods in which the costs are incurred and the services are received, with one exception. The costs to issue debt or equity securities will be recognized in accordance with other applicable accounting guidance. These merger-related costs are included on the Company’s Consolidated Statements of Income classified within the noninterest expense caption. On April 1, 2018, the Company acquired Citizens National Bank (Citizens) based in Windsor, Virginia. Refer to Note 2 for further discussion. SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company’s activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 4. The types of lending that the Company engages in are included in Note 5. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2019 and 2018, there were $344.1 million and $347.9 million, or 46.01% and 44.94%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. Refer to Note 5 for further detail. CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days. INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost. SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as “held-to-maturity” and recorded at amortized cost. Securities not classified as held-to-maturity, excluding equity securities with readily determinable fair values which are recorded at fair value through the income statement, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company’s intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established. RESTRICTED SECURITIES, AT COST The Company, as a member of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of both the FRB and the FHLB. As a result of the acquisition of Citizens, the Company also has an investment in the capital stock of Community Bankers' Bank (CBB). Based on the redemption provisions of these investments, the stocks have no quoted market value, are carried at cost and are listed as restricted securities. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FRB, FHLB, and CBB stock. LOANS HELD FOR SALE The Company records loans held for sale using the lower of cost or fair value. In addition, the Company requires a firm purchase commitment from a permanent investor before a loan can be closed, thus limiting interest rate risk. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. The change in fair value of loans held for sale is recorded as a component of “Mortgage banking income” within the Company’s Consolidated Statements of Income. LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company’s loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company’s debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. NONACCRUALS, PAST DUES AND CHARGE-OFFS The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan agreement, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual status or charged off. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or · The loan is 120 days or more past due unless the loan is both well secured and in the process of collection. ALLOWANCE FOR LOAN LOSSES The allowance for loan losses (ALL) is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a troubled debt restructuring (TDR) (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. Each portfolio segment has risk characteristics as follows: · Commercial: Commercial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. · Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. · Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2019 and 2018 management used eight twelve-quarter migration periods . Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions, trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. Acquired loans are recorded at their fair value at acquisition date without carryover of the acquiree's previously established ALL, as credit discounts are included in the determination of fair value. The fair value of the loans is determined using market participant assumptions in estimating the amount and timing of both principal and interest cash flows expected to be collected on the loans and then applying a market-based discount rate to those cash flows. During evaluation upon acquisition, acquired loans are also classified as either purchased credit-impaired (PCI) or purchased performing. PCI loans reflect credit quality deterioration since origination, as it is probable at acquisition that the Company will not be able to collect all contractually required payments. These PCI loans are accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality On an annual basis, the estimate of cash flows expected to be collected on PCI loans is evaluated. Estimates of cash flows for PCI loans require significant judgment. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses resulting in an increase to the allowance for loan losses. Subsequent significant increases in cash flows may result in a reversal of post-acquisition provision for loan losses or a transfer from nonaccretable difference to accretable yield that increases interest income over the remaining life of the loan, or pool(s) of loans. Disposals of loans, which may include sale of loans to third parties, receipt of payments in full or in part from the borrower or foreclosure of the collateral, result in removal of the loan from the PCI loan portfolio at its carrying amount. The Company's PCI loans currently consist of loans acquired in connection with the acquisition of Citizens. PCI loans that were classified as nonperforming loans by Citizens are no longer classified as nonperforming so long as, at re-estimation periods, it is expected to fully collect the new carrying value of the pools of loans. The Company accounts for purchased performing loans using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Purchased performing loans are recorded at fair value, including a credit discount. The fair value discount is accreted as an adjustment to yield over the estimated lives of the loans. There is no allowance for loan losses established at the acquisition date for purchased performing loans. A provision for loan losses may be required for any deterioration in these loans in future periods. TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower’s financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in loss (gain) on other real estate owned on the Consolidated Statements of Income. BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other operating income on the Consolidated Statements of Income. PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years. OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded. STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. REVENUE RECOGNITION: INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2019 or 2018. EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method. TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements. ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2019 and 2018 was $207 thousand and $255 thousand, respectively. COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income, net of tax. Other comprehensive income (loss), net of tax includes unrealized gains and losses on securities available-for-sale and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 17. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the FASB issued ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. At the FASB’s October 16, 2019 meeting, the Board affirmed its decision to amend the effective date of this ASU for many companies. Public business entities that are SEC filers, excluding those meeting the smaller reporting company definition, will retain the initial required implementation date of fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. All other entities will be required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. In January 2017, the FASB issued ASU No. 2017-04, “Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment”. The amendments in this ASU simplify how an entity is required to test goodwill for impairment by eliminating Step 2 from the goodwill impairment test. Step 2 measures a goodwill impairment loss by comparing the implied fair value of a reporting unit’s goodwill with the carrying amount of that goodwill. Instead, under the amendments in this ASU, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Public business entities that are U.S. Securities and Exchange Commission (SEC) filers should adopt the amendments in this ASU for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019. Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017. The Company does not expect the adoption of ASU 2017-04 to have a material impact on its consolidated financial statements. In August 2018, the FASB issued ASU 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework—Changes to the Disclosure Requirements for Fair Value Measurement.” The amendments modify the disclosure requirements in Topic 820 to add disclosures regarding changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements and the narrative description of measurement uncertainty. Certain disclosure requirements in Topic 820 are also removed or modified. Th

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2019
ACQUISITIONS [Abstract]
Acquisitions	NOTE 2, Acquisitions On April 1, 2018, the Company acquired Citizens. Under the terms of the merger agreement, Citizens stockholders received 0.1041 shares of the Company's common stock and $2.19 in cash for each share of Citizens common stock, resulting in the Company issuing 149,625 shares of the Company's common stock at a fair value of $3.9 million, for a total purchase price of $7.1 million. The transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed, and consideration exchanged were recorded at estimated fair values on the acquisition date. Fair values are preliminary and subject to refinement for up to one year after the closing date of the acquisition, in accordance with ASC 350, Intangibles-Goodwill and Other As Recorded by Citizens Fair Value Adjustments As Recorded by the Company Consideration paid: Cash $ 3,164 Old Point common stock 3,947 Total purchase price $ 7,111 Identifiable assets acquired: Cash and cash equivalents $ 2,304 $ - $ 2,304 Securities available for sale 1,959 - 1,959 Restricted securities, at cost 278 - 278 Loans, net 42,824 (34 ) 42,790 Premises and equipment 1,070 450 1,520 Other real estate owned 237 (61 ) 176 Core deposit intangibles - 440 440 Other assets 1,055 (116 ) 939 Total assets $ 49,727 $ 679 $ 50,406 Identifiable liabilities assumed: Deposits $ 43,754 $ 246 $ 44,000 Other liabilities 324 - 324 Total liabilities $ 44,078 $ 246 $ 44,324 Net assets acquired $ 6,082 Goodwill $ 1,029 Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually or more frequently if events and circumstances exists that indicate that a goodwill impairment test should be performed. Purchased intangible assets subject to amortization, such as the core deposit intangible asset, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to estimated undiscounted future cash flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge is recognized in the amount by which the carrying amount of the asset exceeds the fair value of the asset. The acquired loans were recorded at fair value at the acquisition date without carryover of Citizens' allowance for loan losses. The fair value of the loans was determined using market participant assumptions in estimating the amount and timing of both principal and interest cash flows expected to be collected on the loans and then applying a market-based discount rate to those cash flows. In this regard, the acquired loans were segregated into pools based on call code with other key inputs identified such as payment structure, rate type, remaining maturity, and credit risk characteristics including risk rating groups (pass rated loans and adversely classified loans), and past due status. The acquired loans were divided into loans with evidence of credit quality deterioration which are accounted for under ASC 310-30, Receivables - Loans and Debt Securities Acquired with Deteriorated Credit Quality Receivables - Nonrefundable Fees and Other Costs The following table presents the purchased credit-impaired loans receivable at the acquisition date (dollars in thousands): Contractually required principal and interest payments $ 1,031 Nonaccretable difference (211 ) Cash flows expected to be collected 820 Accretable yield (110 ) Fair value of purchased credit-impaired loans $ 710 The amortization and accretion of premiums and discounts associated with the Company's acquisition accounting adjustments related to the Citizens acquisition had the following impact on the Consolidated Statements of Operations Years ended December 31, 2019 2018 Purchased performing loans $ 142 $ 181 Purchased credit-impaired loans 12 77 Certificate of deposit valuation 129 116 Amortization of core deposit intangible (44 ) (33 ) Net impact to income before taxes $ 239 $ 341

Restrictions on Cash and Amount

Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2019
Restrictions on Cash and Amounts Due from Banks [Abstract]
Restrictions on Cash and Amounts Due from Banks	NOTE 3, Restrictions on Cash and Amounts Due from Banks The Company is subject to reserve balance requirements determined by applying the reserve ratios specified in the FRB’s Regulation D. At December 31, 2019 and 2018, the Company had no balance requirements on any of its accounts. The Company had approximately $23.8 million and $5.1 million in deposits in financial institutions in excess of amounts insured by the FDIC at December 31, 2019 and December 31, 2018, respectively.

Securities Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2019
Securities Portfolio [Abstract]
Securities Portfolio	NOTE 4, Securities Portfolio The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: December 31, 2019 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value U.S. Treasury securities $ 6,925 $ 78 $ - $ 7,003 Obligations of U.S. Government agencies 33,998 9 (403 ) 33,604 Obligations of state and policitcal subdivisions 24,525 442 (225 ) 24,742 Mortgage-backed securities 72,000 460 (552 ) 71,908 Money market investments 3,825 - - 3,825 Corporate bonds and other securities 4,542 94 (3 ) 4,633 $ 145,815 $ 1,083 $ (1,183 ) $ 145,715 December 31, 2018 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value U.S. Treasury securities $ 12,323 $ 6 $ (1 ) $ 12,328 Obligations of U.S. Government agencies 10,868 2 (156 ) 10,714 Obligations of state and policitcal subdivisions 49,194 155 (512 ) 48,837 Mortgage-backed securities 73,444 93 (2,346 ) 71,191 Money market investments 1,897 - - 1,897 Corporate bonds and other securities 3,250 42 (12 ) 3,280 $ 150,976 $ 298 $ (3,027 ) $ 148,247 Securities with a fair value of $74.0 million and $59.9 million at December 31, 2019 and 2018, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase, FHLB advances and for other purposes required or permitted by law. At December 31, 2019, the Company held no securities of any single issuer (excluding U.S. Government agencies) with a book value that exceeded 10 percent of stockholders’ equity. The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2019 (Dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 1,655 $ 1,664 Due after one year through five years 15,702 15,758 Due after five through ten years 36,667 36,767 Due after ten years 87,966 87,701 Other securities, restricted 3,825 3,825 $ 145,815 $ 145,715 The following table provides information about securities sold in the years ended December 31: Year Ended December 31, (Dollars in thousands) 2019 2018 Securities Available-for-sale Realized gains on sales of securities $ 575 $ 131 Realized losses on sales of securities (261 ) (11 ) Net realized gain $ 314 $ 120 OTHER-THAN-TEMPORARILY IMPAIRED SECURITIES Management assesses whether the Company intends to sell or it is more-likely-than-not that the Company will be required to sell a security before recovery of its amortized cost basis less any current-period credit losses. For debt securities that are considered other-than-temporarily impaired and that the Company does not intend to sell and will not be required to sell prior to recovery of the amortized cost basis, the Company separates the amount of the impairment into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security’s amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security’s fair value and the present value of expected future cash flows is due to factors that are not credit related and is recognized in other comprehensive income. The present value of expected future cash flows is determined using the best-estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best-estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds, and structural support, including subordination and guarantees. The Company has a process in place to identify debt securities that could potentially have a credit or interest-rate related impairment that is other than temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts, and cash flow projections as indicators of credit issues. On a quarterly basis, management reviews all securities to determine whether an other-than-temporary decline in value exists and whether losses should be recognized. Management considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (a) the extent and length of time the fair value has been below cost; (b) the reasons for the decline in value; (c) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (d) for fixed maturity securities, the Company’s intent to sell a security or whether it is more-likely-than-not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity and for equity securities, the Company’s ability and intent to hold the security for a period of time that allows for the recovery in value. The Company did not record impairment charges on securities for the years ended December 31, 2019 and 2018. The following tables show the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company’s investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 2019 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities Obligations of U.S. Government agencies $ 349 $ 29,744 $ 54 $ 2,562 $ 403 $ 32,306 22 Obligations of state and policitcal subdivisions 225 10,112 - - 225 10,112 7 Mortgage-backed securities 405 44,661 147 14,078 552 58,739 17 Corporate bonds and other securities - - 3 197 3 197 1 Total securities available-for-sale $ 979 $ 84,517 $ 204 $ 16,837 $ 1,183 $ 101,354 47 December 31, 2018 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities U.S. Treasury securities $ 1 $ 2,484 $ - $ - $ 1 $ 2,484 1 Obligations of U.S. Government agencies 47 6,014 109 3,206 156 9,220 15 Obligations of state and policitcal subdivisions 10 5,829 502 23,727 512 29,556 45 Mortgage-backed securities - - 2,346 63,930 2,346 63,930 24 Corporate bonds and other securities 1 100 11 389 12 489 3 Total securities available-for-sale $ 59 $ 14,427 $ 2,968 $ 91,252 $ 3,027 $ 105,679 88 Certain investments within the Company’s portfolio had unrealized losses at December 31, 2019 and December 31, 2018, as shown in the tables above. The unrealized losses were primarily driven by changes in market interest rates. The Company purchases only highly-rated securities, including U.S. government agencies and mortgage-backed securities guaranteed by government-sponsored entities. The municipal and corporate securities portfolios are reviewed regularly to ensure that ratings of individual securities have not deteriorated below the threshold established by the Company's policy. Because the Company does not intend to sell the investments and management believes it is unlikely that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be at maturity, the Company does not consider the investments to be other-than-temporarily impaired at December 31, 2019 or December 31, 2018. As of December 31, 2019, there were 10 individual available-for-sale securities with a fair value totaling $16.8 million that had been in a continuous loss position for more than 12 months. These securities had an unrealized loss of $204 thousand and consisted of government agency obligations, mortgage-backed securities, and other securities. As of December 31, 2018, there were 65 individual available-for-sale securities with a total fair value of $91.3 million that had been in a continuous loss position for more than 12 months. These securities had an unrealized loss of $3.0 million and consisted of municipal obligations, mortgage-backed securities, and other securities. The Company has determined that these securities are temporarily impaired at December 31, 2019 and 2018 for the reasons set out below: Mortgage-backed securities. Obligations of state and political subdivisions. Corporate bonds. Restricted Stock The restricted stock category is comprised of FHLB, Federal Reserve Bank, and CBB stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, these investments are carried at cost and evaluated for impairment. When evaluating these stocks for impairment, their value is determined based on the ultimate recoverability of the par value rather than by recognizing temporary declines in value. Restricted stock is viewed as a long-term investment and management believes that the Company has the ability and the intent to hold this stock until its value is recovered.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	NOTE 5, Loans and Allowance for Loan Losses The following is a summary of the balances in each class of the Company’s loan portfolio as of the dates indicated: (dollars in thousands) December 31, 2019 December 31, 2018 Mortgage loans on real estate: Residential 1-4 family $ 118,561 $ 110,009 Commercial - owner occupied 141,743 155,245 Commercial - non-owner occupied 135,798 131,287 Multifamily 25,865 28,954 Construction 40,716 32,383 Second mortgages 13,941 17,297 Equity lines of credit 52,286 57,649 Total mortgage loans on real estate 528,910 532,824 Commercial and industrial loans 75,383 63,398 Consumer automobile loans 97,294 120,796 Other consumer loans 39,713 48,342 Other (1) 6,565 8,649 Total loans, net of deferred fees 747,865 774,009 Less: Allowance for loan losses 9,660 10,111 Loans, net of allowance and deferred fees (2) $ 738,205 $ 763,898 (1) Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $449 thousand and $628 thousand at December 31, 2019 and 2018, respectively. (2) Net deferred loan costs totaled $557 thousand and $864 thousand at December 31, 2019 and 2018, respectively. ACQUIRED LOANS The outstanding principal balance and the carrying amount of total acquired loans included in the consolidated balance sheets are as follows: (dollars in thousands) December 31, 2019 December 31, 2018 Outstanding principal balance $ 16,850 $ 31,940 Carrying amount 16,561 31,497 The outstanding principal balance and related carrying amount of acquired impaired loans, for which the Company applies FASB ASC 310-30 to account for interest earned are as follows: (dollars in thousands) December 31, 2019 December 31, 2018 Outstanding principal balance $ 227 $ 246 Carrying amount 85 91 The following table presents changes in the accretable yield on acquired impaired loans, for which the Company applies FASB ASC 310-30: (dollars in thousands) December 31, 2019 December 31, 2018 Balance at January 1 $ 12 $ - Additions from acquisition of Citizens - 110 Accretion (27 ) (98 ) Reclassification from nonaccretable difference 125 - Other changes, net (38 ) - Balance at end of period $ 72 $ 12 CREDIT QUALITY INFORMATION The Company uses internally-assigned risk grades to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company’s internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company’s internally assigned risk grades are as follows: · Pass: · Other Assets Especially Mentioned (OAEM): · Substandard: · Doubtful: · Loss: The following tables present credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2019 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 116,380 $ - $ 2,181 $ - $ 118,561 Commercial - owner occupied 134,570 1,618 5,555 - 141,743 Commercial - non-owner occupied 132,851 1,622 1,325 - 135,798 Multifamily 25,865 - - - 25,865 Construction 40,716 - - - 40,716 Second mortgages 13,837 - 104 - 13,941 Equity lines of credit 52,286 - - - 52,286 Total mortgage loans on real estate $ 516,505 $ 3,240 $ 9,165 $ - $ 528,910 Commercial and industrial loans 74,963 66 354 - 75,383 Consumer automobile loans 96,907 - 387 - 97,294 Other consumer loans 39,713 - - - 39,713 Other 6,565 - - - 6,565 Total $ 734,653 $ 3,306 $ 9,906 $ - $ 747,865 Credit Quality Information As of December 31, 2018 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 108,274 $ - $ 1,735 $ - $ 110,009 Commercial - owner occupied 140,664 4,067 10,514 - 155,245 Commercial - non-owner occupied 121,523 3,937 5,827 - 131,287 Multifamily 28,954 - - - 28,954 Construction 31,896 71 416 - 32,383 Second mortgages 17,007 - 290 - 17,297 Equity lines of credit 56,893 - 756 - 57,649 Total mortgage loans on real estate $ 505,211 $ 8,075 $ 19,538 $ - $ 532,824 Commercial and industrial loans 60,967 1,987 444 - 63,398 Consumer automobile loans 120,365 - 431 - 120,796 Other consumer loans 48,298 - 44 - 48,342 Other 8,649 - - - 8,649 Total $ 743,490 $ 10,062 $ 20,457 $ - $ 774,009 As of December 31, 2019 and 2018 the Company did not have any loans internally classified as Loss or Doubtful. AGE ANALYSIS OF PAST DUE LOANS BY CLASS All classes of loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Interest and fees continue to accrue on past due loans until the date the loan is placed in nonaccrual status, if applicable. The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Age Analysis of Past Due Loans as of December 31, 2019 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing PCI Nonaccrual (1) Total Current Loans Total Loans Mortgage loans on real estate: Residential 1-4 family $ 891 $ - $ - $ - $ 1,459 $ 116,211 $ 118,561 Commercial - owner occupied - 319 - 85 2,795 138,544 141,743 Commercial - non-owner occupied - - - - 1,422 134,376 135,798 Multifamily - - - - - 25,865 25,865 Construction 100 - - - - 40,616 40,716 Second mortgages 49 - - - 104 13,788 13,941 Equity lines of credit 25 - - - - 52,261 52,286 Total mortgage loans on real estate $ 1,065 $ 319 $ - $ 85 $ 5,780 $ 521,661 $ 528,910 Commercial and industrial loans 211 - - - 257 74,915 75,383 Consumer automobile loans 1,115 299 203 - - 95,677 97,294 Other consumer loans 1,032 891 888 - - 36,902 39,713 Other 81 9 - - - 6,475 6,565 Total $ 3,504 $ 1,518 $ 1,091 $ 85 $ 6,037 $ 735,630 $ 747,865 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the past due totals include student and small business loans with principal and interest amounts that are 97 - 100% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $1.8 million at December 31, 2019. Age Analysis of Past Due Loans as of December 31, 2018 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing PCI Nonaccrual Total Current Loans Total Loans Mortgage loans on real estate: Residential 1-4 family $ 1,165 $ 553 $ 180 $ - $ 1,386 $ 106,725 $ 110,009 Commercial - owner occupied 1,059 83 - 91 5,283 148,729 155,245 Commercial - non-owner occupied - - - - 4,371 126,916 131,287 Multifamily - - - - - 28,954 28,954 Construction - - 205 - 417 31,761 32,383 Second mortgages 17 - 135 - 155 16,990 17,297 Equity lines of credit 60 - - - 231 57,358 57,649 Total mortgage loans on real estate $ 2,301 $ 636 $ 520 $ 91 $ 11,843 $ 517,433 $ 532,824 Commercial and industrial loans 1,595 - - - 298 61,505 63,398 Consumer automobile loans 1,645 291 114 - - 118,746 120,796 Other consumer loans 1,333 621 1,851 - - 44,537 48,342 Other 133 8 12 - - 8,496 8,649 Total $ 7,007 $ 1,556 $ 2,497 $ 91 $ 12,141 $ 750,717 $ 774,009 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the past due totals include student and small business loans with principal and interest amounts that are 97 - 100% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.0 million at December 31, 2018. NONACCRUAL LOANS The Company generally places commercial loans (including construction loans and commercial loans secured and not secured by real estate) in nonaccrual status when the full and timely collection of interest or principal becomes uncertain, part of the principal balance has been charged off and no restructuring has occurred or the loan reaches 90 days past due, unless the credit is well-secured and in the process of collection. Under regulatory rules, consumer loans, which are loans to individuals for household, family and other personal expenditures, and consumer loans secured by real estate (including residential 1 - 4 family mortgages, second mortgages, and equity lines of credit) are not required to be placed in nonaccrual status. Although consumer loans and consumer loans secured by real estate are not required to be placed in nonaccrual status, the Company may elect to place these loans in nonaccrual status, if necessary to avoid a material overstatement of interest income. Generally, consumer loans secured by real estate are placed in nonaccrual status only when payments are 120 days past due. Generally, consumer loans not secured by real estate are placed in nonaccrual status only when part of the principal has been charged off. If a charge-off has not occurred sooner for other reasons, a consumer loan not secured by real estate will generally be placed in nonaccrual status when payments are 120 days past due. These loans are charged off or written down to the net realizable value of the collateral when deemed uncollectible, when classified as a "loss," when repayment is unreasonably protracted, when bankruptcy has been initiated, or when the loan is 120 days or more past due unless the credit is well-secured and in the process of collection. When management places a loan in nonaccrual status, the accrued unpaid interest receivable is reversed against interest income and the loan is accounted for by the cash basis or cost recovery method, until it qualifies for return to accrual status or is charged off. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class (dollars in thousands) December 31, 2019 December 31, 2018 Mortgage loans on real estate: Residential 1-4 family $ 1,459 $ 1,386 Commercial - owner occupied 2,795 5,283 Commercial - non-owner occupied 1,422 4,371 Construction - 417 Second mortgages 104 155 Equity lines of credit - 231 Total mortgage loans on real estate $ 5,780 $ 11,843 Commercial and industrial loans 257 298 Total $ 6,037 $ 12,141 The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, (dollars in thousand) 2019 2018 Interest income that would have been recorded under original loan terms $ 283 $ 533 Actual interest income recorded for the period 115 336 Reduction in interest income on nonaccrual loans $ 168 $ 197 TROUBLED DEBT RESTRUCTURINGS The Company’s loan portfolio includes certain loans classified as TDRs, where economic concessions have been granted to borrowers who are experiencing financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The Company defines a TDR as nonperforming if the TDR is in nonaccrual status or is 90 days or more past due and still accruing interest at the report date. When the Company modifies a loan, management evaluates any possible impairment as discussed further below under Impaired Loans. The following tables present TDRs during the periods indicated, by class of loan: (dollars in thousand) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2019 Mortgage loans on real estate: Residential 1-4 family 2 $ 512 $ 512 $ 506 Commercial and industrial 1 75 75 75 Total 3 $ 587 $ 587 $ 581 (dollars in thousand) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2018 Mortgage loans on real estate: Residential 1-4 family 1 $ 296 $ 187 $ 188 Equity lines of credit 1 248 231 231 Total mortgage loans on real estate 2 544 418 419 Commercial and industrial 1 146 138 139 Total 3 $ 690 $ 556 $ 558 In 2019, the loans restructured were granted terms that the Company would not otherwise extend to borrowers with similar risk characteristics. Of the loans restructured in 2018, one was given a below-market rate for debt with similar risk characteristics and two were granted terms that the Company would not otherwise extend to borrowers with similar risk characteristics. At December 31, 2019 and 2018, the Company had no outstanding commitments to disburse additional funds on any TDR. A There were no In the years ended December 31, 2019 and 2018 there were no defaulting TDRs where the default occurred within twelve months of restructuring. The Company considers a TDR in default when any of the following occurs: the loan, as restructured, becomes 90 days or more past due; the loan is moved to nonaccrual status following the restructure; the loan is restructured again under terms that would qualify it as a TDR if it were not already so classified; or any portion of the loan is charged off. All TDRs are factored into the determination of the allowance for loan losses and included in the impaired loan analysis, as discussed below. IMPAIRED LOANS A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans include nonperforming loans and loans modified in a TDR. When management identifies a loan as impaired, the impairment is measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the sole or remaining source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, when foreclosure is probable, instead of the discounted cash flows. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost recovery method. For financial statement purposes, the recorded investment in the loan is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash basis method. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans, exclusive of purchased credit-impaired loans, with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class As of December 31, 2019 For the Year Ended December 31, 2019 (Dollars in thousands) Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 1,542 $ 1,519 $ 89 $ 39 $ 1,416 $ 11 Commercial 9,333 4,538 1,611 317 6,822 123 Construction 89 - 88 14 88 4 Second mortgages 247 - 245 111 246 6 Total mortgage loans on real estate 11,211 6,057 2,033 481 8,572 144 Commercial and industrial loans 362 354 - - 273 4 Other consumer loans 22 - - - 21 1 Total $ 11,595 $ 6,411 $ 2,033 $ 481 $ 8,866 $ 149 Impaired Loans by Class As of December 31, 2018 For the Year Ended December 31, 2018 (Dollars in thousands) Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 2,057 $ 1,686 $ 239 $ 51 $ 2,073 $ 66 Commercial 15,254 12,721 - - 14,232 455 Construction 509 417 92 18 665 7 Second mortgages 496 347 148 33 508 15 Equity lines of credit 232 - 232 3 301 1 Total mortgage loans on real estate 18,548 15,171 711 105 17,779 544 Commercial and industrial loans 384 78 220 11 446 5 Other consumer loans 38 - - - 43 - Total $ 18,970 $ 15,249 $ 931 $ 116 $ 18,268 $ 549 ALLOWANCE FOR LOAN LOSSES Loans are either individually evaluated for impairment or pooled with like loans and collectively evaluated for impairment. Also, various qualitative factors are applied to each segment of the loan portfolio. The allowance for loan losses is the accumulation of these components. Management’s estimate is based on certain observable, historical data and other factors that management believes are most reflective of the underlying credit losses being estimated. Management provides an allocated component of the allowance for loans that are individually evaluated for impairment. An allocated allowance is established when the discounted value of expected future cash flows from the impaired loan (or the collateral value or observable market price of the impaired loan) is lower than the carrying value of that loan. This allocation represents the sum of management’s estimated losses on each loan. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions, trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. ALLOWANCE FOR LOAN LOSSES BY SEGMENT The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. ALLOWANCE FOR LOAN LOSSES AND RECORDED INVESTMENT IN LOANS For the Year ended December 31, 2019 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Consumer (2) Other Total Allowance for loan losses: Balance, beginning $ 2,340 $ 156 $ 5,956 $ 1,354 $ 305 $ 10,111 Charge-offs - - (197 ) (776 ) (425 ) (1,398 ) Recoveries 10 - 200 351 68 629 Provision for loan losses (1,106 ) 102 209 765 348 318 Ending Balance $ 1,244 $ 258 $ 6,168 $ 1,694 $ 296 $ 9,660 Individually evaluated for impairment $ - $ 14 $ 467 $ - $ - $ 481 Collectively evaluated for impairment 1,244 244 5,701 1,694 296 9,179 Purchased credit-impaired loans - - - - - - Ending Balance $ 1,244 $ 258 $ 6,168 $ 1,694 $ 296 $ 9,660 Loans Balances: Individually evaluated for impairment 354 88 8,002 - - 8,444 Collectively evaluated for impairment 74,944 40,628 480,192 137,007 6,565 739,336 Purchased credit-impaired loans 85 - - - - 85 Ending Balance $ 75,383 $ 40,716 $ 488,194 $ 137,007 $ 6,565 $ 747,865 For the Year ended December 31, 2018 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Consumer (2) Other Total Allowance for loan losses: Balance, beginning $ 1,889 $ 541 $ 5,217 $ 1,644 $ 157 $ 9,448 Charge-offs (81 ) - (1,625 ) (769 ) (367 ) (2,842 ) Recoveries 140 - 158 262 84 644 Provision for loan losses 392 (385 ) 2,206 217 431 2,861 Ending Balance $ 2,340 $ 156 $ 5,956 $ 1,354 $ 305 $ 10,111 Individually evaluated for impairment $ 11 $ 18 $ 87 $ - $ - $ 116 Collectively evaluated for impairment 2,329 138 5,869 1,354 305 9,995 Purchased credit-impaired loans - - - - - - Ending Balance $ 2,340 $ 156 $ 5,956 $ 1,354 $ 305 $ 10,111 Loans Balances: Individually evaluated for impairment 298 509 15,373 - - 16,180 Collectively evaluated for impairment 63,009 31,874 485,068 169,138 8,649 757,738 Purchased credit-impaired loans 91 - - - - 91 Ending Balance $ 63,398 $ 32,383 $ 500,441 $ 169,138 $ 8,649 $ 774,009 (1) The real estate – mortgage segment included residential 1-4 family, commercial real estate, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Other Real Estate Owned (OREO)

Other Real Estate Owned (OREO)	12 Months Ended
	Dec. 31, 2019
Other Real Estate Owned (OREO) [Abstract]
Other Real Estate Owned (OREO)	NOTE 6, Other Real Estate Owned (OREO) The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, (dollars in thousands) 2019 2018 Balance at beginning of year $ 83 $ - Transfers to OREO due to foreclosure - 203 Other additions to foreclosed properties - 176 Properties sold (83 ) (296 ) Balance at end of year $ - $ 83 Other additions to foreclosed properties in the table above are for properties acquired from Citizens. OREO is presented net of a valuation allowance for losses. As the fair values of OREO change, adjustments are made to the recorded investment in the properties through the valuation allowance to ensure that all properties are recorded at the lower of cost or fair value. Properties written down in previous periods can be written back up if a current property valuation warrants the change, though never above the original cost of the property. An analysis of the valuation allowance on OREO is as follows: Expenses applicable to OREO include the following: Years Ended December 31, (dollars in thousands) 2019 2018 Net gain (loss) on sales of real estate $ 2 $ (86 ) Operating expenses, net of income (1) (2 ) (1 ) Total Expenses $ - $ (87 ) (1) Included in other operating income and other operating expense on the Consolidated Statements of Operations.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 7, Premises and Equipment Premises and equipment consisted of the following at December 31: Years Ended December 31, (dollars in thousands) 2019 2018 Land $ 8,001 $ 8,098 Buildings 37,900 39,132 Construction in process 958 161 Leashold improvements 861 861 Furniture, fixtures and equipment 19,748 18,904 67,468 67,156 Less accumulated depreciation and amortization 32,156 30,418 Balance at end of year $ 35,312 $ 36,738 Depreciation expense for the years ended December 31, 2019 and 2018 amounted to $2.2 million and $2.5 million, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Leases	NOTE 8. Leases On January 1, 2019, the Company adopted ASU No. 2016-02 “Leases (Topic 842)” and all subsequent ASUs that modified Topic 842. The Company elected the optional transition method provided by ASU 2018-11 and did not adjust prior periods for ASC 842. The Company also elected certain practical expedients within the standard and consistent with such elections did not reassess whether any expired or existing contracts are or contain leases, did not reassess the lease classification for any expired or existing leases, and did not reassess any initial direct costs for existing leases. As stated in the Company’s 2018 Form 10-K, the implementation of the new standard resulted in recognition of a right-of-use asset and lease liability of $751 thousand at the date of adoption, which is related to the Company’s lease of premises used in operations. The right-of-use asset and lease liability are included in other assets and other liabilities, respectively, in the consolidated balance sheets. Lease liabilities represent the Company’s obligation to make lease payments and are presented at each reporting date as the net present value of the remaining contractual cash flows. Cash flows are discounted at the Company’s incremental borrowing rate in effect at the commencement date of the lease if the rate implicit in the lease is unattainable. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. The Company’s long-term lease agreements are classified as operating leases. Certain of these leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liabilities to the extent the options are reasonably assured of being exercised. The lease agreements do not provide for residual value guarantees and have no restrictions or covenants that would impact dividends or require incurring additional financial obligations. The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2019 Lease liabilities $ 437 Right-of-use assets $ 432 Weighted average remaining lease term 2.17 years Weighted average discount rate 2.77 % Year Ended Lease cost December 31, 2019 Operating lease cost $ 336 Total lease cost $ 336 Cash paid for amounts included in the measurement of lease liabilities $ 331 A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: Lease payments due As of December 31, 2019 Twelve months ending December 31, 2020 $ 253 Twelve months ending December 31, 2021 112 Twelve months ending December 31, 2022 83 Total undiscounted cash flows $ 448 Discount (11 ) Lease liabilities $ 437 The aggregate rental expense of premises and equipment was $361 thousand and $349 thousand for years ended December 31, 2019 and 2018, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2019
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	NOTE 9, Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both December 31, 2019 and December 31, 2018. The general purpose of these funds is to encourage and assist participants in investing in low-income residential rental properties located in the Commonwealth of Virginia, develop and implement strategies to maintain projects as low-income housing, deliver Federal Low Income Housing Credits to investors, allocate tax losses and other possible tax benefits to investors, and preserve and protect project assets. The investments in these funds were recorded as other assets on the consolidated balance sheets and were $3.0 million and $3.2 million at December 31, 2019 and December 31, 2018, respectively. The expected terms of these investments and the related tax benefits run through 2033. Additional committed capital calls expected for the funds totaled $50 thousand and $248 thousand at December 31, 2019 and December 31, 2018, respectively, and are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheets. During the years ended December 31, 2019 and 2018, the Company recognized amortization expense of $216 thousand and $320 thousand, respectively, which was included within noninterest expense on the Consolidated Statements of Income. The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Years Ended December 31, 2019 2018 Tax credits and other benefits Amortization of operating losses $ 216 $ 320 Tax benefit of operating losses* 45 67 Tax credits 441 496 Total tax benefits $ 486 $ 563 * Computed using a 21% tax rate.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	NOTE 10, Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2019 and 2018 was $45.3 million and $43.4 million, respectively. As of December 31, 2019, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2019 the scheduled maturities of time deposits (in thousands) are as follows: (dollars in thousands) 2020 $ 123,911 2021 52,025 2022 21,776 2023 21,817 2024 8,389 Balance at end of year $ 227,918

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2019
Borrowings [Abstract]
Borrowings	NOTE 11, Borrowings Short-Term Borrowings The Company classifies all borrowings that will mature within a year from the date on which the Company enters into them as short-term borrowings. Short-term borrowings sources consist of federal funds purchased, overnight repurchase agreements (which are secured transactions with customers that generally mature within one to four days), and advances from the FHLB. The Company maintains federal funds lines with several correspondent banks to address short-term borrowing needs. At December 31, 2019 and 2018 the remaining credit available from these lines totaled $55.0 million. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $276.3 million and $245.9 million as of December 31, 2019 and December 31, 2018, respectively. The following table presents total short-term borrowings as of the dates indicated (dollars in thousands): (dollar in thousands) December 31, 2019 December 31, 2018 Overnight repurchase agreements $ 11,452 $ 25,775 Federal Home Loan Bank advances - 13,000 Total short-term borrowings $ 11,452 $ 38,775 Maximum month-end outstanding balance $ 38,138 $ 99,898 Average outstanding balance during the period $ 27,382 $ 62,887 Average interest rate (year-to-date) 0.71 % 1.11 % Average interest rate at end of period 0.10 % 0.93 % Long-Term Borrowings At December 31, 2019, the Company had the following long-term FHLB advances outstanding (dollars in thousands). Long-term Type Interest Rate Maturity Date Advance Amount Fixed Rate Hybrid 2.92 % 4/17/2020 $ 10,000 Fixed Rate Hybrid 2.77 % 6/19/2020 10,000 Fixed Rate Hybrid 2.79 % 8/29/2020 3,500 Fixed Rate Hybrid 2.63 % 2/26/2021 5,000 Fixed Rate Hybrid 2.37 % 5/21/2021 5,000 Fixed Rate Hybrid 2.89 % 8/27/2021 3,500 $ 37,000 At December 31, 2018, the Company had the following long-term FHLB advances outstanding (dollars in thousands). Long-term Type Interest Rate Maturity Date Advance Amount Fixed Rate Hybrid 1.54 % 2/28/2019 $ 10,000 Fixed Rate Hybrid 1.90 % 11/15/2019 10,000 Fixed Rate Hybrid 2.92 % 4/17/2020 10,000 Fixed Rate Hybrid 2.77 % 6/19/2020 10,000 Fixed Rate Hybrid 2.79 % 8/29/2020 3,500 Fixed Rate Hybrid 2.89 % 8/27/2021 3,500 $ 47,000 The Company also obtained a loan maturing on April 1, 2023 from a correspondent bank during the second quarter of 2018 to provide partial funding for the Citizens acquisition. The terms of the loan include a LIBOR based interest rate that adjusts monthly and quarterly principal curtailments. At December 31, 2019 the outstanding balance was $2.0 million, and the then-current interest rate was 4.20%. At December 31, 2018, the outstanding balance was $2.6 million, and the then-current interest rate was 4.85%. The loan agreement with the lender contains financial covenants including minimum return on average asset ratio and Bank capital leverage ratio, maintenance of a well-capitalized position as defined by regulatory guidance and a maximum level of non-performing assets as a percentage of capital plus the allowance for loan losses. The Company was in compliance with each covenant at December 31, 2019.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2019
Share-Based Compensation [Abstract]
Share-Based Compensation	NOTE 12, Share-Based Compensation The Company has adopted an employee stock purchase plan and offers share-based compensation through its equity compensation plan. Share-based compensation arrangements may include stock options, restricted and unrestricted stock awards, restricted stock units, performance units and stock appreciation rights. Accounting standards require all share-based payments to employees to be valued using a fair value method on the date of grant and to be expensed based on that fair value over the applicable vesting period. The Company accounts for forfeitures during the vesting period as they occur. The 2016 Incentive Stock Plan (the Incentive Stock Plan) permits the issuance of up to 300,000 shares of common stock for awards to key employees and non-employee directors of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock appreciation rights, stock awards and performance units. As of December 31, 2019, only restricted stock has been granted under the Incentive Stock Plan Restricted stock activity for the year ended December 31, 2019 is summarized below. Shares Weighted Average Grant Date Fair Value Nonvested, January 1, 2019 13,689 $ 27.51 Issued 16,661 21.68 Vested (5,839 ) 27.97 Forfeited (4,578 ) 26.63 Nonvested, Deceember 31, 2019 19,933 $ 22.70 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.40 years. The fair value of restricted stock granted during the year ended December 31, 2019 and 2018 was $361 thousand and $301 thousand, respectively. The remaining unrecognized compensation expense for the shares granted during the year ended December 31, 2019 totaled $194 thousand as of December 31, 2019. For shares granted during the year ended December 31, 2018, the remaining compensation expense totaled $30 thousand as of December 31, 2019. Stock-based compensation expense was $224 thousand and $160 thousand for the years ended December 31, 2019 and 2018, respectively. Under the Company's Employee Stock Purchase Plan (ESPP), substantially all employees of the Company and its subsidiaries can authorize a specific payroll deduction from their base compensation for the periodic purchase of the Company's common stock. Shares of stock are issued quarterly at a discount to the market price of the Company's stock on the day of purchase, which can range from 0-15% and for 2019 and 2018 was set at 5%. Total stock purchases under the ESPP amounted to 3,666 shares during 2019 and 3,517 shares during 2018. At December 31, 2019, the Company had 238,270 remaining shares reserved for issuance under this plan.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	NOTE 13, Stockholders’ Equity and Earnings per Common Share STOCKHOLDERS' EQUITY--OTHER COMPREHENSIVE INCOME (LOSS) The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended December 31, Affected Line Item on Consolidated Statement of Income (dollars in thousands) 2019 2018 Available-for-sale securities Realized gains on sales of securities $ 314 $ 120 Gain on sale of available-for-sale securities, net Tax effect 66 25 Income tax expense $ 248 $ 95 The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive Loss Year Ended December 31, 2019 Balance at beginning of period $ (2,156 ) $ (2,156 ) Net other comprehensive income 2,077 2,077 Balance at end of period $ (79 ) $ (79 ) Year Ended December 31, 2018 Balance at beginning of period $ (707 ) $ (707 ) Net other comprehensive loss (1,233 ) (1,233 ) Reclassification of the income tax effects of the Tax Cuts and Jobs Act from AOCI (139 ) (139 ) Reclassification of net unrealized gains on equity securities from AOCI per ASU 2016-01 (77 ) (77 ) Balance at end of period $ (2,156 ) $ (2,156 ) The following table presents the change in each component of other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2019 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 2,943 $ 618 $ 2,325 Reclassification adjustment for gains recognized in income (314 ) (66 ) (248 ) Total change in accumulated other comprehensive income, net $ 2,629 $ 552 $ 2,077 Year Ended December 31, 2018 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,440 ) $ (302 ) $ (1,138 ) Reclassification adjustment for gains recognized in income (120 ) (25 ) (95 ) Total change in accumulated other comprehensive loss, net $ (1,560 ) $ (327 ) $ (1,233 ) EARNINGS PER COMMON SHARE Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is computed using the weighted average number of common shares outstanding during the period, including the effect of dilutive potential common shares attributable to the employee stock purchase program. The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2019 and 2018: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount Year ended December 31, 2019 Net income, basic $ 7,860 5,197 $ 1.51 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 7,860 5,197 $ 1.51 Year ended December 31, 2018 Net income, basic 4,919 5,141 0.96 Potentially dilutive common shares - employee stock purchase program - - - Diluted 4,919 5,141 0.96 The Company had no antidilutive shares in 2019 or 2018. Non-vested restricted common shares, which carry all rights and privileges of a common share with respect to the stock, including the right to vote, were included in the basic and diluted per common share calculations.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 14, Related Party Transactions In the ordinary course of business, the Company has granted loans to principal stockholders, executive officers and directors and their affiliates. These loans were made on substantially the same terms and conditions, including interest rates, collateral and repayment terms, as those prevailing at the same time for comparable transactions with unrelated persons, and, in the opinion of management and the Company’s board of directors, do not involve more than normal risk or present other unfavorable features. None of the principal stockholders, executive officers or directors had direct or indirect loans exceeding 10 percent of stockholders' equity at December 31, 2019. Annual activity consisted of the following: (dollars in thousands) 2019 2018 Balance, beginning of year $ 4,012 $ 4,287 Additions 297 25 Reductions (499 ) (300 ) Balance, end of year $ 3,910 $ 4,012 Deposits from related parties held by the Company at December 31, 2019 and 2018 amounted to $18.2 million and $12.5 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Income Taxes	NOTE 15, Income Taxes On December 22, 2017, the Tax Act was signed into law. Among other things, the Tax Act permanently reduced the corporate income tax rate to 21% from the prior maximum rate of 35%, effective for tax years including or commencing January 1, 2018. The components of income tax expense for the current and prior year-ends are as follows: (dollars in thousands) 2019 2018 Current income tax expense $ 728 $ 443 Deferred income tax expense (benefit) 352 (164 ) Reported income tax expense $ 1,080 $ 279 A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, (dollars in thousands) 2019 2018 Expected tax expense $ 1,877 $ 1,092 Interest expense on tax-exempt assets 7 18 Low-income housing tax credit (440 ) (496 ) Tax-exempt interest, net (201 ) (303 ) Bank-owned life insurance (164 ) (164 ) Other, net 1 132 Reported tax expense $ 1,080 $ 279 The effective tax rates for 2019 and 2018 were 12.1% and 5.4%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2019 2018 Deferred tax assets: Allowance for loan losses $ 2,029 $ 2,123 Nonaccrual loans 17 112 Acquistion accounting 61 120 Other real estate owned - 21 Net operating losses 677 712 Investments in pass-through entities 122 113 Bank owned life insurance benefit 64 59 Securities available-for-sale 21 573 Stock awards 67 55 Alternative minimum tax 0 292 Deferred compensation 347 236 Other 59 63 $ 3,464 $ 4,479 Deferred tax liabilities: Premises and equipment $ 345 $ 389 Acquistion accounting 76 86 Deferred loan fees and costs 117 181 538 656 Net deferred tax assets $ 2,926 $ 3,823 The Company files income tax returns in the U.S. federal jurisdiction and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2016.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies [Abstract]
Commitments and Contingencies	NOTE 16, Commitments and Contingencies CREDIT-RELATED FINANCIAL INSTRUMENTS The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. The following financial instruments whose contract amounts represent credit risk were outstanding at: December 31, (dollars in thousands) 2019 2018 Commitments to extend credit: Home equity lines of credit $ 62,267 $ 61,014 Commercial real estate, construction and development loans committed but not funded 15,637 12,165 Other lines of credit (principally commercial) 62,321 74,058 Total $ 140,225 $ 147,237 Letters of credit $ 7,724 $ 8,230 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 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 Company evaluates each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extensions of credit is based on management's credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit are not collateralized and usually do not contain a specified maturity date, and ultimately may or may not be drawn upon to the total extent to which the Company is committed. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year, with the exception of two letters of credit which expire in 2023. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company holds various collateral supporting those commitments for which collateral is deemed necessary. LEGAL CONTINGENCIES Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company's Consolidated Financial Statements.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2019
Fair Value Measurements [Abstract]
Fair Value Measurements	NOTE 17, Fair Value Measurements DETERMINATION OF FAIR VALUE The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the “Fair Value Measurements and Disclosures” topics of FASB ASU 2010-06 and FASB ASU 2011-04, and FASB ASU 2016-01, the fair value of a financial instrument is the price that would be received in the sale of an asset or transfer of a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimate of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market for the asset or liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value can be a reasonable point within a range that is most representative of fair value under current market conditions. In estimating the fair value of assets and liabilities, the Company relies mainly on two models. The first model, used by the Company’s bond accounting service provider, determines the fair value of securities. Securities are priced based on an evaluation of observable market data, including benchmark yield curves, reported trades, broker/dealer quotes, and issuer spreads. Pricing is also impacted by credit information about the issuer, perceived market movements, and current news events impacting the individual sectors. The second source is a third party vendor the Company utilizes to provide fair value exit pricing for loans and interest bearing deposits in accordance with guidance. In accordance with ASC 820, “Fair Value Measurements and Disclosures,” the Company groups its financial assets and financial liabilities generally measured at fair value into three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2 – Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation. An instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS Debt securities with readily determinable fair values that are classified as “available-for-sale” are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company’s available-for-sale securities are considered to be Level 2 securities. The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2019 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available-for-sale securities U.S. Treasury securities $ 7,003 $ - $ 7,003 $ - Obligations of U.S. Government agencies 33,604 - 33,604 - Obligations of state and political subdivisions 24,742 - 24,742 - Mortgage-backed securities 71,908 - 71,908 - Money market investments 3,825 - 3,825 - Corporate bonds and other securities 4,633 - 4,633 - Total available-for-sale securities $ 145,715 $ - $ 145,715 $ - Fair Value Measurements at December 31, 2018 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available-for-sale securities U.S. Treasury securities $ 12,328 $ - $ 12,328 $ - Obligations of U.S. Government agencies 10,714 - 10,714 - Obligations of state and political subdivisions 48,837 - 48,837 - Mortgage-backed securities 71,191 - 71,191 - Money market investments 1,897 - 1,897 - Corporate bonds and other securities 3,280 - 3,280 - Total available-for-sale securities $ 148,247 $ - $ 148,247 $ - ASSETS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS Under certain circumstances, adjustments are made to the fair value for assets and liabilities although they are not measured at fair value on an ongoing basis. Impaired loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. The measurement of fair value and loss associated with impaired loans can be based on the observable market price of the loan, the fair value of the collateral securing the loan, or the present value of the loan’s expected future cash flows, discounted at the loan's effective interest rate rather than at a market rate. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable, with the vast majority of the collateral in real estate. The value of real estate collateral is determined utilizing an income, market, or cost valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company. In the case of loans with lower balances, the Company may obtain a real estate evaluation instead of an appraisal. Evaluations utilize many of the same techniques as appraisals, and are typically performed by independent appraisers. Once received, appraisals and evaluations are reviewed by trained staff independent of the lending function to verify consistency and reasonability. Appraisals and evaluations are based on significant unobservable inputs, including but not limited to: adjustments made to comparable properties, judgments about the condition of the subject property, the availability and suitability of comparable properties, capitalization rates, projected income of the subject or comparable properties, vacancy rates, projected depreciation rates, and the state of the local and regional economy. The Company may also elect to make additional reductions in the collateral value based on management’s best judgment, which represents another source of unobservable inputs. Because of the subjective nature of collateral valuation, impaired loans are considered Level 3. Impaired loans may be secured by collateral other than real estate. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business’ financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivable collateral are based on financial statement balances or aging reports (Level 3). If a loan is not collateral-dependent, its impairment may be measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate. Because the loan is discounted at its effective rate of interest, rather than at a market rate, the loan is not considered to be held at fair value and is not included in the tables below. Collateral-dependent impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as part of the provision for loan losses on the Consolidated Statements of Operations. Other Real Estate Owned (OREO) Loans are transferred to OREO when the collateral securing them is foreclosed on. The measurement of loss associated with OREO is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. If there is a contract for the sale of a property, and management reasonably believes the transaction will be consummated in accordance with the terms of the contract, fair value is based on the sale price in that contract (Level 1). If management has recent information about the sale of identical properties, such as when selling multiple condominium units on the same property, the remaining units would be valued based on the observed market data (Level 2). Lacking either a contract or such recent data, management would obtain an appraisal or evaluation of the value of the collateral as discussed above under Impaired Loans (Level 3). After the asset has been booked, a new appraisal or evaluation is obtained when management has reason to believe the fair value of the property may have changed and no later than two years after the last appraisal or evaluation was received. Any fair value adjustments to OREO below the original book value are recorded in the period incurred and expensed against current earnings. Loans Held For Sale Loans held for sale are carried at the lower of cost or fair value. These loans currently consist of residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). Gains and losses on the sale of loans are reported on a separate line item on the Company's Consolidated Statements of Operations. The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan’s expected future cash flows, discounted at the loan's effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Carrying Value at December 31, 2019 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 74 $ - $ - $ 74 Commercial 1,294 - - 1,294 Construction 74 - - 74 Total mortgage loans on real estate $ 1,442 $ - $ - $ 1,442 Commercial loans - - - - Total $ 1,442 $ - $ - $ 1,442 Loans Loans held for sale $ 590 $ - $ 590 $ - Carrying Value at December 31, 2018 Using (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 188 $ - $ - $ 188 Construction 74 - - 74 Equity lines of credit 229 - - 229 Total mortgage loans on real estate 491 - - 491 Total $ 491 $ - $ - $ 491 Loans Loans held for sale $ 479 $ - $ 479 $ - Other real estate owned Construction $ 83 $ - $ - $ 83 Total $ 83 $ - $ - $ 83 The following table displays quantitative information about Level 3 Fair Value Measurements as of the dates indicated: Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2019 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Residential 1-4 family real estate $ 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate $ 1,294 Market comparables Selling costs 6.00 % Liquidation discount 35.00 % Construction $ 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2018 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Residential 1-4 family real estate $ 188 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction $ 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Equity lines of credit $ 229 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Construction $ 83 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % FASB ASC 825, “Financial Instruments,” requires disclosure about fair value of financial instruments and excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company’s assets. The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company's financial instruments as of December 31, 2019 and December 31, 2018. For short-term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between origination of the instrument and its expected realization. For non-marketable equity securities such as Federal Home Loan Bank and Federal Reserve Bank stock, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government-supported institution or to another member institution. For financial liabilities such as noninterest-bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity. Fair values for December 31, 2019 and 2018 are estimated under the exit price notion in accordance with the prospective adoption of ASU 2016-01, "Recognition and Measurement of Financial Assets and Financial Liabilities." The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2019 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 89,865 $ 89,865 $ - $ - Securities available-for-sale 145,715 - 145,715 - Restricted securities 2,926 - 2,926 - Loans held for sale 590 - 590 - Loans, net of allowances for loan losses 738,205 - - 734,932 Bank owned life insurance 27,547 - 27,547 - Accrued interest receivable 2,762 - 2,762 - Liabilities Deposits $ 889,496 $ - $ 893,584 $ - Overnight repurchase agreements 11,452 - 11,452 - Federal Home Loan Bank advances 37,000 - 36,747 - Other borrowings 1,950 - 2,250 - Accrued interest payable 620 - 620 - Fair Value Measurements at December 31, 2018 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 42,217 $ 42,217 $ - $ - Securities available-for-sale 148,247 - 148,247 - Restricted securities 3,853 - 3,853 - Loans held for sale 479 - 479 - Loans, net of allowances for loan losses 763,898 - - 749,848 Bank owned life insurance 26,763 - 26,763 - Accrued interest receivable 3,095 - 3,095 - Liabilities Deposits $ 843,144 $ - $ 843,818 $ - Overnight repurchase agreements 25,775 - 25,775 - Federal Home Loan Bank advances 60,000 - 59,975 - Other borrowings 2,550 - 2,550 - Accrued interest payable 594 - 594 -

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2019
Regulatory Matters [Abstract]
Regulatory Matters	NOTE 18, Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can cause certain mandatory and possibly additional discretionary actions to be initiated by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total, Tier 1, and common equity tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. The terms Tier 1 and common equity tier 1 capital, risk-weighted assets and average assets, as used in this note, are as defined in the applicable regulations. Management believes, as of December 31, 2019 and 2018, that the Company and the Bank meet all capital adequacy requirements to which they are subject. In July 2013, the Federal Reserve issued final rules to include technical changes to its market risk capital rules to align them with the Basel III regulatory capital framework and meet certain requirements of the Dodd-Frank Act. Effective January 1, 2015, the final rules require the Bank to comply with the following minimum capital ratios: (i) a new common equity Tier 1 capital (CET1) ratio of 4.5% of risk-weighted assets; (ii) a Tier 1 capital ratio of 6.0% of risk-weighted assets (increased from the prior requirement); (iii) a total capital ratio of 8.0% of risk-weighted assets (unchanged from the prior requirement); and (iv) a leverage ratio of 4.0% of total assets (unchanged from the prior requirement). The Basel III Capital Rules establish a capital conservation buffer of 2.5%, which is added to the 4.5% CET1 to risk-weighted assets to increase the ratio to at least 7%. The Basel III Capital Rules also establish risk weighting that applied to many classes of assets held by community banks, importantly including applying higher risk weightings to certain commercial real estate loans. The Basel III Capital Rules became effective January 1, 2015 and the Basel III Capital Rules capital conservation buffer became fully phased-in as of January 1, 2019. As fully phased in, the Basel III Capital Rules require banks to maintain (i) a minimum ratio of CET1 to risk-weighted assets of at least 4.5%, plus a 2.5% "capital conservation buffer" (which is added to the 4.5% CET1 ratio, effectively resulting in a minimum ratio of CET1 to risk-weighted assets of at least 7%), (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio, effectively resulting in a minimum Tier 1 capital ratio of 8.5%), (iii) a minimum ratio of total (that is, Tier 1 plus Tier 2) capital to risk-weighted assets of at least 8.0%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio, effectively resulting in a minimum total capital ratio of 10.5%) and (iv) a minimum leverage ratio of 4%, calculated as the ratio of Tier 1 capital to balance sheet exposures plus certain off-balance sheet exposures (computed as the average for each quarter of the month-end ratios for the quarter). In August 2018, the Federal Reserve updated the Small Bank Holding Company Policy Statement (the Statement), in compliance with The Economic Growth, Regulatory Relief and Consumer Protection Act of 2018 (EGRRCPA). The Statement, among other things, exempts bank holding companies that fall below a certain asset threshold from reporting consolidated regulatory capital ratios and from minimum regulatory capital requirements. The interim final rule expands the exemption to bank holding companies with consolidated total assets of less than $3 billion. Prior to August 2018, the statement exempted bank holding companies with consolidated assets of less than $1 billion. As a result of the interim final rule, which was effective upon issuance, the Company expects that it will be treated as a small bank holding company and will no longer be subject to regulatory capital requirements on a consolidated basis. At December 31, 2019, the Company’s capital ratios exceed all minimum capital requirements that would apply to the Company if it were not a small bank holding company. As of December 31, 2019, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, common equity tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Bank’s actual capital amounts and ratios as of December 31, 2019 and 2018 are presented in the table below. 2019 Regulatory Minimums December 31, 2019 2018 Regulatory Minimums December 31, 2018 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 11.73 % 4.500 % 10.90 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 11.73 % 6.000 % 10.90 % Tier 1 Leverage to Average Assets 4.000 % 9.73 % 4.000 % 9.34 % Total Capital to Risk-Weighted Assets 8.000 % 12.86 % 8.000 % 12.06 % Capital Conservation Buffer 2.500 % 4.86 % 1.875 % 4.06 % Risk-Weighted Assets (in thousands) $ 863,905 $ 884,444 The approval of the Comptroller is required if the total of all dividends declared by a national bank in any calendar year exceeds the bank’s net profits for that year combined with its retained net profits for the preceding two calendar years. Under this formula, the Bank and Trust can distribute as dividends to the Company in 2020, without approval of the Comptroller, $8.6 million plus an additional amount equal to the Bank's and Trust’s retained net profits for 2020 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
Segment Reporting	NOTE 19, Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, the Trust, and the Parent. Revenues from the Bank’s operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Trust’s operating revenues consist principally of income from fiduciary and asset management fees. The Parent company’s revenues are mainly interest and dividends received from the Bank and Trust companies. The Company has no other segments. The Company's reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: Year Ended December 31, 2019 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 40,121 $ 120 $ 8,446 $ (8,446 ) $ 40,241 Income from fiduciary activities - 3,850 - - 3,850 Other income 9,260 1,028 200 (261 ) 10,227 Total operating income 49,381 4,998 8,646 (8,707 ) 54,318 Expenses Interest expense 6,310 - 112 - 6,422 Provision for loan losses 318 - - - 318 Salaries and employee benefits 20,405 3,142 477 - 24,024 Other expenses 13,508 1,015 352 (261 ) 14,614 Total operating expenses 40,541 4,157 941 (261 ) 45,378 Income before taxes 8,840 841 7,705 (8,446 ) 8,940 Income tax expense (benefit) 1,054 181 (155 ) - 1,080 Net income $ 7,786 $ 660 $ 7,860 $ (8,446 ) $ 7,860 Capital expenditures $ 1,756 $ 26 $ - $ - $ 1,782 Total assets $ 1,048,158 $ 6,695 $ 111,764 $ (112,129 ) $ 1,054,488 Year Ended December 31, 2018 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 38,122 $ 95 $ 6,116 $ (6,114 ) $ 38,219 Income from fiduciary activities - 3,726 - - 3,726 Other income 8,589 1,026 230 (262 ) 9,583 Total operating income 46,711 4,847 6,346 (6,376 ) 51,528 Expenses Interest expense 4,870 - 99 - 4,969 Provision for loan losses 2,861 - - - 2,861 Salaries and employee benefits 19,150 2,977 453 - 22,580 Other expenses 14,078 1,086 1,018 (262 ) 15,920 Total operating expenses 40,959 4,063 1,570 (262 ) 46,330 Income before taxes 5,752 784 4,776 (6,114 ) 5,198 Income tax expense (benefit) 256 166 (143 ) - 279 Net income $ 5,496 $ 618 $ 4,919 $ (6,114 ) $ 4,919 Capital expenditures $ 478 $ - $ - $ - $ 478 Total assets $ 1,032,676 $ 6,226 $ 104,592 $ (105,311 ) $ 1,038,183 The accounting policies of the segments are the same as those described in the summary of significant accounting policies. The Company evaluates performance based on profit or loss from operations before income taxes not including nonrecurring gains or losses. Both the Parent and the Trust companies maintain deposit accounts with the Bank, on terms substantially similar to those available to other customers. These transactions are eliminated to reach consolidated totals. The Company operates in one geographical area and does not have a single external customer from which it derives 10 percent or more of its revenues.

Condensed Financial Statements

Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2019
Condensed Financial Statements of Parent Company [Abstract]
Condensed Financial Statements of Parent Company	NOTE 20, Condensed Financial Statements of Parent Company Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: Balance Sheets December 31, (dollars in thousands) 2019 2018 Assets Cash and cash equivalents $ 1,399 $ 1,352 Securities available-for-sale - - Investment in common stock of subsidiaries 110,057 103,035 Other assets 308 205 Total assets $ 111,764 $ 104,592 Liabilities and Stockholders' Equity Other borrowings $ 1,950 $ 2,550 Other liability 58 36 Common stock 25,901 25,853 Additional paid-in capital 20,959 20,698 Retained earnings 62,975 57,611 Accumulated other comprehensive loss (79 ) (2,156 ) Total liabilities and stockholders' equity $ 111,764 $ 104,592 Statements of Income Years Ended December 31, (dollars in thousands) 2019 2018 Income: Dividends from subsidiary $ 3,500 $ 2,500 Interest on investments - - Other income 200 233 Total income 3,700 2,733 Expenses: Salary and benefits 477 453 Legal expenses 101 143 Service fees 200 166 Merger expenses - 655 Other operating expenses 163 153 Total expenses 941 1,570 Income before income taxes and equity in undistributed net income of subsidiaries 2,759 1,163 Income tax benefit (155 ) (143 ) 2,914 1,306 Equity in undistributed net income of subsidiaries 4,946 3,613 Net income $ 7,860 $ 4,919 Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2019 2018 Cash flows from operating activities: Net income $ 7,860 $ 4,919 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (4,946 ) (3,613 ) Gain on sale of securities, net - (30 ) Stock compensation expense 12 11 Increase in other assets 110 (13 ) Increase in other liabilities 22 18 Net cash provided by operating activities 3,058 1,292 Cash flows from investing activities: Proceeds from sale of investment securities - 227 Cash paid in acquisition - (3,164 ) Cash acquired in acquisition 2,304 Cash distributed to subsidiary - (2,304 ) Net cash used in investing activities - (2,937 ) Cash flows from financing activities: Proceeds from sale of stock 85 87 Proceeds from borrowings - 3,000 Repayment of borrowings (600 ) (450 ) Cash dividends paid on common stock (2,496 ) (2,262 ) Net cash (used in) provided by financing activities (3,011 ) 375 Net increase (decrease) in cash and cash equivalents 47 (1,270 ) Cash and cash equivalents at beginning of year 1,352 2,622 Cash and cash equivalents at end of year $ 1,399 $ 1,352

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation.
USE OF ESTIMATES	USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses.
BUSINESS COMBINATIONS	BUSINESS COMBINATIONS Business combinations are accounted for under ASC 805, Business Combinations Merger-related costs are costs the Company incurs to effect a business combination. Those costs include advisory, legal, accounting, valuation, and other professional or consulting fees. Some other examples of costs to the Company include systems conversions, integration planning consultants, contract terminations, and advertising costs. The Company will account for merger-related costs as expenses in the periods in which the costs are incurred and the services are received, with one exception. The costs to issue debt or equity securities will be recognized in accordance with other applicable accounting guidance. These merger-related costs are included on the Company’s Consolidated Statements of Income classified within the noninterest expense caption. On April 1, 2018, the Company acquired Citizens National Bank (Citizens) based in Windsor, Virginia. Refer to Note 2 for further discussion.
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company’s activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 4. The types of lending that the Company engages in are included in Note 5. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2019 and 2018, there were $344.1 million and $347.9 million, or 46.01% and 44.94%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. Refer to Note 5 for further detail.
CASH AND CASH EQUIVALENTS	CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days.
INTEREST-BEARING DEPOSITS IN BANKS	INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost.
SECURITIES	SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as “held-to-maturity” and recorded at amortized cost. Securities not classified as held-to-maturity, excluding equity securities with readily determinable fair values which are recorded at fair value through the income statement, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company’s intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established.
RESTRICTED SECURITIES, AT COST	RESTRICTED SECURITIES, AT COST The Company, as a member of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of both the FRB and the FHLB. As a result of the acquisition of Citizens, the Company also has an investment in the capital stock of Community Bankers' Bank (CBB). Based on the redemption provisions of these investments, the stocks have no quoted market value, are carried at cost and are listed as restricted securities. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FRB, FHLB, and CBB stock.
LOANS HELD FOR SALE	LOANS HELD FOR SALE The Company records loans held for sale using the lower of cost or fair value. In addition, the Company requires a firm purchase commitment from a permanent investor before a loan can be closed, thus limiting interest rate risk. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. The change in fair value of loans held for sale is recorded as a component of “Mortgage banking income” within the Company’s Consolidated Statements of Income.
LOANS	LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company’s loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company’s debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
NONACCRUALS, PAST DUES AND CHARGE-OFFS	NONACCRUALS, PAST DUES AND CHARGE-OFFS The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan agreement, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual status or charged off. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or · The loan is 120 days or more past due unless the loan is both well secured and in the process of collection.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES The allowance for loan losses (ALL) is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a troubled debt restructuring (TDR) (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. Each portfolio segment has risk characteristics as follows: · Commercial: Commercial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. · Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. · Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2019 and 2018 management used eight twelve-quarter migration periods . Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions, trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. Acquired loans are recorded at their fair value at acquisition date without carryover of the acquiree's previously established ALL, as credit discounts are included in the determination of fair value. The fair value of the loans is determined using market participant assumptions in estimating the amount and timing of both principal and interest cash flows expected to be collected on the loans and then applying a market-based discount rate to those cash flows. During evaluation upon acquisition, acquired loans are also classified as either purchased credit-impaired (PCI) or purchased performing. PCI loans reflect credit quality deterioration since origination, as it is probable at acquisition that the Company will not be able to collect all contractually required payments. These PCI loans are accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality On an annual basis, the estimate of cash flows expected to be collected on PCI loans is evaluated. Estimates of cash flows for PCI loans require significant judgment. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses resulting in an increase to the allowance for loan losses. Subsequent significant increases in cash flows may result in a reversal of post-acquisition provision for loan losses or a transfer from nonaccretable difference to accretable yield that increases interest income over the remaining life of the loan, or pool(s) of loans. Disposals of loans, which may include sale of loans to third parties, receipt of payments in full or in part from the borrower or foreclosure of the collateral, result in removal of the loan from the PCI loan portfolio at its carrying amount. The Company's PCI loans currently consist of loans acquired in connection with the acquisition of Citizens. PCI loans that were classified as nonperforming loans by Citizens are no longer classified as nonperforming so long as, at re-estimation periods, it is expected to fully collect the new carrying value of the pools of loans. The Company accounts for purchased performing loans using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Purchased performing loans are recorded at fair value, including a credit discount. The fair value discount is accreted as an adjustment to yield over the estimated lives of the loans. There is no allowance for loan losses established at the acquisition date for purchased performing loans. A provision for loan losses may be required for any deterioration in these loans in future periods.
TROUBLED DEBT RESTRUCTURINGS	TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower’s financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
OTHER REAL ESTATE OWNED (OREO)	OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in loss (gain) on other real estate owned on the Consolidated Statements of Income.
BANK-OWNED LIFE INSURANCE	BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other operating income on the Consolidated Statements of Income.
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years.
OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded.
STOCK COMPENSATION PLANS	STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards.
REVENUE RECOGNITION	REVENUE RECOGNITION:
INCOME TAXES	INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2019 or 2018.
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method.
TRUST ASSETS AND INCOME	TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements.
ADVERTISING EXPENSES	ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2019 and 2018 was $207 thousand and $255 thousand, respectively.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income, net of tax. Other comprehensive income (loss), net of tax includes unrealized gains and losses on securities available-for-sale and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity.
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 17. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates.
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the FASB issued ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. At the FASB’s October 16, 2019 meeting, the Board affirmed its decision to amend the effective date of this ASU for many companies. Public business entities that are SEC filers, excluding those meeting the smaller reporting company definition, will retain the initial required implementation date of fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. All other entities will be required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. In January 2017, the FASB issued ASU No. 2017-04, “Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment”. The amendments in this ASU simplify how an entity is required to test goodwill for impairment by eliminating Step 2 from the goodwill impairment test. Step 2 measures a goodwill impairment loss by comparing the implied fair value of a reporting unit’s goodwill with the carrying amount of that goodwill. Instead, under the amendments in this ASU, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Public business entities that are U.S. Securities and Exchange Commission (SEC) filers should adopt the amendments in this ASU for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019. Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017. The Company does not expect the adoption of ASU 2017-04 to have a material impact on its consolidated financial statements. In August 2018, the FASB issued ASU 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework—Changes to the Disclosure Requirements for Fair Value Measurement.” The amendments modify the disclosure requirements in Topic 820 to add disclosures regarding changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements and the narrative description of measurement uncertainty. Certain disclosure requirements in Topic 820 are also removed or modified. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Certain of the amendments are to be applied prospectively while others are to be applied retrospectively. Early adoption is permitted. The Company does not expect the adoption of ASU 2018-13 to have a material impact on its consolidated financial statements. In April 2019, the FASB issued ASU 2019-04, “Codification Improvements to Topic 326, Financial Instruments—Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments.” This ASU clarifies and improves areas of guidance related to the recently issued standards on credit losses, hedging, and recognition and measurement including improvements resulting from various Transition Resource Group (or TRG) Meetings. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Early adoption is permitted. The Company is currently assessing the impact that ASU 2019-04 will have on its consolidated financial statements. In May 2019, the FASB issued ASU 2019-05, “Financial Instruments—Credit Losses (Topic 326): Targeted Transition Relief.” The amendments in this ASU provide entities that have certain instruments within the scope of Subtopic 326-20 with an option to irrevocably elect the fair value option in Subtopic 825-10, applied on an instrument-by-instrument basis for eligible instruments, upon the adoption of Topic 326. The fair value option election does not apply to held-to-maturity debt securities. An entity that elects the fair value option should subsequently measure those instruments at fair value with changes in fair value flowing through earnings. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. The amendments should be applied on a modified-retrospective basis by means of a cumulative-effect adjustment to the opening balance of retained earnings balance in the consolidated balance sheet. Early adoption is permitted. The Company is currently assessing the impact that ASU 2019-05 will have on its consolidated financial statements. In December 2019, the FASB issued ASU 2019-12, “Income Taxes (Topic 740) – Simplifying the Accounting for Income Taxes.” The ASU is expected to reduce cost and complexity related to the accounting for income taxes by removing specific exceptions to general principles in Topic 740 (eliminating the need for an organization to analyze whether certain exceptions apply in a given period) and improving financial statement preparers’ application of certain income tax-related guidance. This ASU is part of the FASB’s simplification initiative to make narrow-scope simplifications and improvements to accounting standards through a series of short-term projects. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Company is currently assessing the impact that ASU 2019-12 will have on its consolidated financial statements. In January 2020, the FASB issued ASU 2020-01, “Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions between Topic 321, Topic 323, and Topic 815.” The ASU is based on a consensus of the Emerging Issues Task Force and is expected to increase comparability in accounting for these transactions. ASU 2016-01 made targeted improvements to accounting for financial instruments, including providing an entity the ability to measure certain equity securities without a readily determinable fair value at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. Among other topics, the amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting. For public business entities, the amendments in the ASU are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. Effective November 25, 2019, the SEC adopted Staff Accounting Bulletin (SAB) 119. SAB 119 updated portions of SEC interpretative guidance to align with FASB ASC 326, “Financial Instruments – Credit Losses.” It covers topics including (1) measuring current expected credit losses; (2) development, governance, and documentation of a systematic methodology; (3) documenting the results of a systematic methodology; and (4) validating a systematic methodology. ACCOUNTING STANDARDS ADOPTED IN 2019 In February 2016, the FASB issued ASU No. 2016-02, "Leases (Topic 842)." Among other things, in the amendments in ASU 2016-02, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (1) A lease liability, which is a lessee's obligation to make lease payments arising from a lease, measured on a discounted basis; and (2) A right-of-use asset, which is an asset that represents the lessee's right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers. The amendments in this ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. The FASB made subsequent amendments to Topic 842 in July 2018 through ASU 2018-10 ("Codification Improvements to Topic 842, Leases") and ASU 2018-11 ("Leases (Topic 842): Targeted Improvements"). Among these amendments is the provision in ASU 2018-11 that provides entities with an additional (and optional) transition method to adopt the new leases standard. Under this new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Consequently, an entity's reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with current U.S. GAAP (Topic 840, Leases). The Company adopted ASU 2018-11 on January 1, 2019 using the optional transition method. As the Company owns the majority of its buildings, the adoption of this ASU did not have a material impact on its consolidated financial statements. Refer to Note 7 for further discussion. In March 2017, the FASB issued ASU No. 2017‐08, "Receivables—Nonrefundable Fees and Other Costs (Subtopic 310‐20), Premium Amortization on Purchased Callable Debt Securities." The amendments in this ASU shorten the amortization period for certain callable debt securities purchased at a premium. Upon adoption of the standard, premiums on these qualifying callable debt securities will be amortized to the earliest call date. Discounts on purchased debt securities will continue to be accreted to maturity. The amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. Upon transition, entities should apply the guidance on a modified retrospective basis, with a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption and provide the disclosures required for a change in accounting principle. Adoption of this standard did not have a material impact to the consolidation financial statements, and as a result, a cumulative effects adjustment was not necessary.

Acquisitions (Tables)

Acquisitions (Tables)	12 Months Ended
	Dec. 31, 2019
ACQUISITIONS [Abstract]
Consideration Transferred, Assets Acquired, and Liabilities Assumed	The following table provides a preliminary assessment of the consideration transferred, assets acquired, and liabilities assumed as of the date of the acquisition (dollars in thousands): As Recorded by Citizens Fair Value Adjustments As Recorded by the Company Consideration paid: Cash $ 3,164 Old Point common stock 3,947 Total purchase price $ 7,111 Identifiable assets acquired: Cash and cash equivalents $ 2,304 $ - $ 2,304 Securities available for sale 1,959 - 1,959 Restricted securities, at cost 278 - 278 Loans, net 42,824 (34 ) 42,790 Premises and equipment 1,070 450 1,520 Other real estate owned 237 (61 ) 176 Core deposit intangibles - 440 440 Other assets 1,055 (116 ) 939 Total assets $ 49,727 $ 679 $ 50,406 Identifiable liabilities assumed: Deposits $ 43,754 $ 246 $ 44,000 Other liabilities 324 - 324 Total liabilities $ 44,078 $ 246 $ 44,324 Net assets acquired $ 6,082 Goodwill $ 1,029
Purchased Credit-impaired Loans Receivable	The following table presents the purchased credit-impaired loans receivable at the acquisition date (dollars in thousands): Contractually required principal and interest payments $ 1,031 Nonaccretable difference (211 ) Cash flows expected to be collected 820 Accretable yield (110 ) Fair value of purchased credit-impaired loans $ 710
Amortization and Accretion of Premiums and Discounts	The amortization and accretion of premiums and discounts associated with the Company's acquisition accounting adjustments related to the Citizens acquisition had the following impact on the Consolidated Statements of Operations Years ended December 31, 2019 2018 Purchased performing loans $ 142 $ 181 Purchased credit-impaired loans 12 77 Certificate of deposit valuation 129 116 Amortization of core deposit intangible (44 ) (33 ) Net impact to income before taxes $ 239 $ 341

Securities Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2019
Securities Portfolio [Abstract]
Amortized Cost and Fair Value, with Gross Unrealized Gains and Losses of Securities Available-for-Sale	The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: December 31, 2019 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value U.S. Treasury securities $ 6,925 $ 78 $ - $ 7,003 Obligations of U.S. Government agencies 33,998 9 (403 ) 33,604 Obligations of state and policitcal subdivisions 24,525 442 (225 ) 24,742 Mortgage-backed securities 72,000 460 (552 ) 71,908 Money market investments 3,825 - - 3,825 Corporate bonds and other securities 4,542 94 (3 ) 4,633 $ 145,815 $ 1,083 $ (1,183 ) $ 145,715 December 31, 2018 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value U.S. Treasury securities $ 12,323 $ 6 $ (1 ) $ 12,328 Obligations of U.S. Government agencies 10,868 2 (156 ) 10,714 Obligations of state and policitcal subdivisions 49,194 155 (512 ) 48,837 Mortgage-backed securities 73,444 93 (2,346 ) 71,191 Money market investments 1,897 - - 1,897 Corporate bonds and other securities 3,250 42 (12 ) 3,280 $ 150,976 $ 298 $ (3,027 ) $ 148,247
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2019 (Dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 1,655 $ 1,664 Due after one year through five years 15,702 15,758 Due after five through ten years 36,667 36,767 Due after ten years 87,966 87,701 Other securities, restricted 3,825 3,825 $ 145,815 $ 145,715
Net Realized Gains and (Losses) on Sale of Investments	The following table provides information about securities sold in the years ended December 31: Year Ended December 31, (Dollars in thousands) 2019 2018 Securities Available-for-sale Realized gains on sales of securities $ 575 $ 131 Realized losses on sales of securities (261 ) (11 ) Net realized gain $ 314 $ 120
Available-for-Sale Securities, Continuous Unrealized Loss Position	The following tables show the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company’s investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 2019 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities Obligations of U.S. Government agencies $ 349 $ 29,744 $ 54 $ 2,562 $ 403 $ 32,306 22 Obligations of state and policitcal subdivisions 225 10,112 - - 225 10,112 7 Mortgage-backed securities 405 44,661 147 14,078 552 58,739 17 Corporate bonds and other securities - - 3 197 3 197 1 Total securities available-for-sale $ 979 $ 84,517 $ 204 $ 16,837 $ 1,183 $ 101,354 47 December 31, 2018 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities U.S. Treasury securities $ 1 $ 2,484 $ - $ - $ 1 $ 2,484 1 Obligations of U.S. Government agencies 47 6,014 109 3,206 156 9,220 15 Obligations of state and policitcal subdivisions 10 5,829 502 23,727 512 29,556 45 Mortgage-backed securities - - 2,346 63,930 2,346 63,930 24 Corporate bonds and other securities 1 100 11 389 12 489 3 Total securities available-for-sale $ 59 $ 14,427 $ 2,968 $ 91,252 $ 3,027 $ 105,679 88

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Loans and Allowance for Loan Losses [Abstract]
Outstanding Loans By Segment Type	The following is a summary of the balances in each class of the Company’s loan portfolio as of the dates indicated: (dollars in thousands) December 31, 2019 December 31, 2018 Mortgage loans on real estate: Residential 1-4 family $ 118,561 $ 110,009 Commercial - owner occupied 141,743 155,245 Commercial - non-owner occupied 135,798 131,287 Multifamily 25,865 28,954 Construction 40,716 32,383 Second mortgages 13,941 17,297 Equity lines of credit 52,286 57,649 Total mortgage loans on real estate 528,910 532,824 Commercial and industrial loans 75,383 63,398 Consumer automobile loans 97,294 120,796 Other consumer loans 39,713 48,342 Other (1) 6,565 8,649 Total loans, net of deferred fees 747,865 774,009 Less: Allowance for loan losses 9,660 10,111 Loans, net of allowance and deferred fees (2) $ 738,205 $ 763,898 (1) Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $449 thousand and $628 thousand at December 31, 2019 and 2018, respectively. (2) Net deferred loan costs totaled $557 thousand and $864 thousand at December 31, 2019 and 2018, respectively.
Acquired Loans	The outstanding principal balance and the carrying amount of total acquired loans included in the consolidated balance sheets are as follows: (dollars in thousands) December 31, 2019 December 31, 2018 Outstanding principal balance $ 16,850 $ 31,940 Carrying amount 16,561 31,497 The outstanding principal balance and related carrying amount of acquired impaired loans, for which the Company applies FASB ASC 310-30 to account for interest earned are as follows: (dollars in thousands) December 31, 2019 December 31, 2018 Outstanding principal balance $ 227 $ 246 Carrying amount 85 91 The following table presents changes in the accretable yield on acquired impaired loans, for which the Company applies FASB ASC 310-30: (dollars in thousands) December 31, 2019 December 31, 2018 Balance at January 1 $ 12 $ - Additions from acquisition of Citizens - 110 Accretion (27 ) (98 ) Reclassification from nonaccretable difference 125 - Other changes, net (38 ) - Balance at end of period $ 72 $ 12
Credit Quality Information	The following tables present credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2019 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 116,380 $ - $ 2,181 $ - $ 118,561 Commercial - owner occupied 134,570 1,618 5,555 - 141,743 Commercial - non-owner occupied 132,851 1,622 1,325 - 135,798 Multifamily 25,865 - - - 25,865 Construction 40,716 - - - 40,716 Second mortgages 13,837 - 104 - 13,941 Equity lines of credit 52,286 - - - 52,286 Total mortgage loans on real estate $ 516,505 $ 3,240 $ 9,165 $ - $ 528,910 Commercial and industrial loans 74,963 66 354 - 75,383 Consumer automobile loans 96,907 - 387 - 97,294 Other consumer loans 39,713 - - - 39,713 Other 6,565 - - - 6,565 Total $ 734,653 $ 3,306 $ 9,906 $ - $ 747,865 Credit Quality Information As of December 31, 2018 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 108,274 $ - $ 1,735 $ - $ 110,009 Commercial - owner occupied 140,664 4,067 10,514 - 155,245 Commercial - non-owner occupied 121,523 3,937 5,827 - 131,287 Multifamily 28,954 - - - 28,954 Construction 31,896 71 416 - 32,383 Second mortgages 17,007 - 290 - 17,297 Equity lines of credit 56,893 - 756 - 57,649 Total mortgage loans on real estate $ 505,211 $ 8,075 $ 19,538 $ - $ 532,824 Commercial and industrial loans 60,967 1,987 444 - 63,398 Consumer automobile loans 120,365 - 431 - 120,796 Other consumer loans 48,298 - 44 - 48,342 Other 8,649 - - - 8,649 Total $ 743,490 $ 10,062 $ 20,457 $ - $ 774,009
Past Due Loans	The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Age Analysis of Past Due Loans as of December 31, 2019 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing PCI Nonaccrual (1) Total Current Loans Total Loans Mortgage loans on real estate: Residential 1-4 family $ 891 $ - $ - $ - $ 1,459 $ 116,211 $ 118,561 Commercial - owner occupied - 319 - 85 2,795 138,544 141,743 Commercial - non-owner occupied - - - - 1,422 134,376 135,798 Multifamily - - - - - 25,865 25,865 Construction 100 - - - - 40,616 40,716 Second mortgages 49 - - - 104 13,788 13,941 Equity lines of credit 25 - - - - 52,261 52,286 Total mortgage loans on real estate $ 1,065 $ 319 $ - $ 85 $ 5,780 $ 521,661 $ 528,910 Commercial and industrial loans 211 - - - 257 74,915 75,383 Consumer automobile loans 1,115 299 203 - - 95,677 97,294 Other consumer loans 1,032 891 888 - - 36,902 39,713 Other 81 9 - - - 6,475 6,565 Total $ 3,504 $ 1,518 $ 1,091 $ 85 $ 6,037 $ 735,630 $ 747,865 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the past due totals include student and small business loans with principal and interest amounts that are 97 - 100% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $1.8 million at December 31, 2019. Age Analysis of Past Due Loans as of December 31, 2018 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing PCI Nonaccrual Total Current Loans Total Loans Mortgage loans on real estate: Residential 1-4 family $ 1,165 $ 553 $ 180 $ - $ 1,386 $ 106,725 $ 110,009 Commercial - owner occupied 1,059 83 - 91 5,283 148,729 155,245 Commercial - non-owner occupied - - - - 4,371 126,916 131,287 Multifamily - - - - - 28,954 28,954 Construction - - 205 - 417 31,761 32,383 Second mortgages 17 - 135 - 155 16,990 17,297 Equity lines of credit 60 - - - 231 57,358 57,649 Total mortgage loans on real estate $ 2,301 $ 636 $ 520 $ 91 $ 11,843 $ 517,433 $ 532,824 Commercial and industrial loans 1,595 - - - 298 61,505 63,398 Consumer automobile loans 1,645 291 114 - - 118,746 120,796 Other consumer loans 1,333 621 1,851 - - 44,537 48,342 Other 133 8 12 - - 8,496 8,649 Total $ 7,007 $ 1,556 $ 2,497 $ 91 $ 12,141 $ 750,717 $ 774,009 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class (dollars in thousands) December 31, 2019 December 31, 2018 Mortgage loans on real estate: Residential 1-4 family $ 1,459 $ 1,386 Commercial - owner occupied 2,795 5,283 Commercial - non-owner occupied 1,422 4,371 Construction - 417 Second mortgages 104 155 Equity lines of credit - 231 Total mortgage loans on real estate $ 5,780 $ 11,843 Commercial and industrial loans 257 298 Total $ 6,037 $ 12,141
Interest Income to be Earned under the Original Terms	The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, (dollars in thousand) 2019 2018 Interest income that would have been recorded under original loan terms $ 283 $ 533 Actual interest income recorded for the period 115 336 Reduction in interest income on nonaccrual loans $ 168 $ 197
Troubled Debt Restructurings by Class	The following tables present TDRs during the periods indicated, by class of loan: (dollars in thousand) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2019 Mortgage loans on real estate: Residential 1-4 family 2 $ 512 $ 512 $ 506 Commercial and industrial 1 75 75 75 Total 3 $ 587 $ 587 $ 581 (dollars in thousand) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2018 Mortgage loans on real estate: Residential 1-4 family 1 $ 296 $ 187 $ 188 Equity lines of credit 1 248 231 231 Total mortgage loans on real estate 2 544 418 419 Commercial and industrial 1 146 138 139 Total 3 $ 690 $ 556 $ 558
Impaired Loans by Class	The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans, exclusive of purchased credit-impaired loans, with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class As of December 31, 2019 For the Year Ended December 31, 2019 (Dollars in thousands) Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 1,542 $ 1,519 $ 89 $ 39 $ 1,416 $ 11 Commercial 9,333 4,538 1,611 317 6,822 123 Construction 89 - 88 14 88 4 Second mortgages 247 - 245 111 246 6 Total mortgage loans on real estate 11,211 6,057 2,033 481 8,572 144 Commercial and industrial loans 362 354 - - 273 4 Other consumer loans 22 - - - 21 1 Total $ 11,595 $ 6,411 $ 2,033 $ 481 $ 8,866 $ 149 Impaired Loans by Class As of December 31, 2018 For the Year Ended December 31, 2018 (Dollars in thousands) Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 2,057 $ 1,686 $ 239 $ 51 $ 2,073 $ 66 Commercial 15,254 12,721 - - 14,232 455 Construction 509 417 92 18 665 7 Second mortgages 496 347 148 33 508 15 Equity lines of credit 232 - 232 3 301 1 Total mortgage loans on real estate 18,548 15,171 711 105 17,779 544 Commercial and industrial loans 384 78 220 11 446 5 Other consumer loans 38 - - - 43 - Total $ 18,970 $ 15,249 $ 931 $ 116 $ 18,268 $ 549
Allowance for Loan Losses by Segment	The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. ALLOWANCE FOR LOAN LOSSES AND RECORDED INVESTMENT IN LOANS For the Year ended December 31, 2019 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Consumer (2) Other Total Allowance for loan losses: Balance, beginning $ 2,340 $ 156 $ 5,956 $ 1,354 $ 305 $ 10,111 Charge-offs - - (197 ) (776 ) (425 ) (1,398 ) Recoveries 10 - 200 351 68 629 Provision for loan losses (1,106 ) 102 209 765 348 318 Ending Balance $ 1,244 $ 258 $ 6,168 $ 1,694 $ 296 $ 9,660 Individually evaluated for impairment $ - $ 14 $ 467 $ - $ - $ 481 Collectively evaluated for impairment 1,244 244 5,701 1,694 296 9,179 Purchased credit-impaired loans - - - - - - Ending Balance $ 1,244 $ 258 $ 6,168 $ 1,694 $ 296 $ 9,660 Loans Balances: Individually evaluated for impairment 354 88 8,002 - - 8,444 Collectively evaluated for impairment 74,944 40,628 480,192 137,007 6,565 739,336 Purchased credit-impaired loans 85 - - - - 85 Ending Balance $ 75,383 $ 40,716 $ 488,194 $ 137,007 $ 6,565 $ 747,865 For the Year ended December 31, 2018 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Consumer (2) Other Total Allowance for loan losses: Balance, beginning $ 1,889 $ 541 $ 5,217 $ 1,644 $ 157 $ 9,448 Charge-offs (81 ) - (1,625 ) (769 ) (367 ) (2,842 ) Recoveries 140 - 158 262 84 644 Provision for loan losses 392 (385 ) 2,206 217 431 2,861 Ending Balance $ 2,340 $ 156 $ 5,956 $ 1,354 $ 305 $ 10,111 Individually evaluated for impairment $ 11 $ 18 $ 87 $ - $ - $ 116 Collectively evaluated for impairment 2,329 138 5,869 1,354 305 9,995 Purchased credit-impaired loans - - - - - - Ending Balance $ 2,340 $ 156 $ 5,956 $ 1,354 $ 305 $ 10,111 Loans Balances: Individually evaluated for impairment 298 509 15,373 - - 16,180 Collectively evaluated for impairment 63,009 31,874 485,068 169,138 8,649 757,738 Purchased credit-impaired loans 91 - - - - 91 Ending Balance $ 63,398 $ 32,383 $ 500,441 $ 169,138 $ 8,649 $ 774,009 (1) The real estate – mortgage segment included residential 1-4 family, commercial real estate, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Other Real Estate Owned (OREO)

Other Real Estate Owned (OREO) (Tables)	12 Months Ended
	Dec. 31, 2019
Other Real Estate Owned (OREO) [Abstract]
Analysis of the Balance in Foreclosed Assets	The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, (dollars in thousands) 2019 2018 Balance at beginning of year $ 83 $ - Transfers to OREO due to foreclosure - 203 Other additions to foreclosed properties - 176 Properties sold (83 ) (296 ) Balance at end of year $ - $ 83
Expenses Applicable to Foreclosed Assets	Expenses applicable to OREO include the following: Years Ended December 31, (dollars in thousands) 2019 2018 Net gain (loss) on sales of real estate $ 2 $ (86 ) Operating expenses, net of income (1) (2 ) (1 ) Total Expenses $ - $ (87 ) (1) Included in other operating income and other operating expense on the Consolidated Statements of Operations.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment consisted of the following at December 31: Years Ended December 31, (dollars in thousands) 2019 2018 Land $ 8,001 $ 8,098 Buildings 37,900 39,132 Construction in process 958 161 Leashold improvements 861 861 Furniture, fixtures and equipment 19,748 18,904 67,468 67,156 Less accumulated depreciation and amortization 32,156 30,418 Balance at end of year $ 35,312 $ 36,738

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Information about Leases	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2019 Lease liabilities $ 437 Right-of-use assets $ 432 Weighted average remaining lease term 2.17 years Weighted average discount rate 2.77 %
Lease Cost	Year Ended Lease cost December 31, 2019 Operating lease cost $ 336 Total lease cost $ 336 Cash paid for amounts included in the measurement of lease liabilities $ 331
Maturity of Operating Lease Liabilities	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: Lease payments due As of December 31, 2019 Twelve months ending December 31, 2020 $ 253 Twelve months ending December 31, 2021 112 Twelve months ending December 31, 2022 83 Total undiscounted cash flows $ 448 Discount (11 ) Lease liabilities $ 437

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	12 Months Ended
	Dec. 31, 2019
Low-Income Housing Tax Credits [Abstract]
Tax Credits and Other Tax Benefits Recognized Related to Investments	The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Years Ended December 31, 2019 2018 Tax credits and other benefits Amortization of operating losses $ 216 $ 320 Tax benefit of operating losses* 45 67 Tax credits 441 496 Total tax benefits $ 486 $ 563 * Computed using a 21% tax rate.

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Maturities of Time Deposits	At December 31, 2019 the scheduled maturities of time deposits (in thousands) are as follows: (dollars in thousands) 2020 $ 123,911 2021 52,025 2022 21,776 2023 21,817 2024 8,389 Balance at end of year $ 227,918

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated (dollars in thousands): (dollar in thousands) December 31, 2019 December 31, 2018 Overnight repurchase agreements $ 11,452 $ 25,775 Federal Home Loan Bank advances - 13,000 Total short-term borrowings $ 11,452 $ 38,775 Maximum month-end outstanding balance $ 38,138 $ 99,898 Average outstanding balance during the period $ 27,382 $ 62,887 Average interest rate (year-to-date) 0.71 % 1.11 % Average interest rate at end of period 0.10 % 0.93 %
Long-term FHLB Advances Outstanding	At December 31, 2019, the Company had the following long-term FHLB advances outstanding (dollars in thousands). Long-term Type Interest Rate Maturity Date Advance Amount Fixed Rate Hybrid 2.92 % 4/17/2020 $ 10,000 Fixed Rate Hybrid 2.77 % 6/19/2020 10,000 Fixed Rate Hybrid 2.79 % 8/29/2020 3,500 Fixed Rate Hybrid 2.63 % 2/26/2021 5,000 Fixed Rate Hybrid 2.37 % 5/21/2021 5,000 Fixed Rate Hybrid 2.89 % 8/27/2021 3,500 $ 37,000 At December 31, 2018, the Company had the following long-term FHLB advances outstanding (dollars in thousands). Long-term Type Interest Rate Maturity Date Advance Amount Fixed Rate Hybrid 1.54 % 2/28/2019 $ 10,000 Fixed Rate Hybrid 1.90 % 11/15/2019 10,000 Fixed Rate Hybrid 2.92 % 4/17/2020 10,000 Fixed Rate Hybrid 2.77 % 6/19/2020 10,000 Fixed Rate Hybrid 2.79 % 8/29/2020 3,500 Fixed Rate Hybrid 2.89 % 8/27/2021 3,500 $ 47,000

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the year ended December 31, 2019 is summarized below. Shares Weighted Average Grant Date Fair Value Nonvested, January 1, 2019 13,689 $ 27.51 Issued 16,661 21.68 Vested (5,839 ) 27.97 Forfeited (4,578 ) 26.63 Nonvested, Deceember 31, 2019 19,933 $ 22.70

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts Reclassified Out of Accumulated Other Comprehensive Loss by Category	The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended December 31, Affected Line Item on Consolidated Statement of Income (dollars in thousands) 2019 2018 Available-for-sale securities Realized gains on sales of securities $ 314 $ 120 Gain on sale of available-for-sale securities, net Tax effect 66 25 Income tax expense $ 248 $ 95
Changes in Accumulated Other Comprehensive Income (Loss), by Category	The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive Loss Year Ended December 31, 2019 Balance at beginning of period $ (2,156 ) $ (2,156 ) Net other comprehensive income 2,077 2,077 Balance at end of period $ (79 ) $ (79 ) Year Ended December 31, 2018 Balance at beginning of period $ (707 ) $ (707 ) Net other comprehensive loss (1,233 ) (1,233 ) Reclassification of the income tax effects of the Tax Cuts and Jobs Act from AOCI (139 ) (139 ) Reclassification of net unrealized gains on equity securities from AOCI per ASU 2016-01 (77 ) (77 ) Balance at end of period $ (2,156 ) $ (2,156 )
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following table presents the change in each component of other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2019 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 2,943 $ 618 $ 2,325 Reclassification adjustment for gains recognized in income (314 ) (66 ) (248 ) Total change in accumulated other comprehensive income, net $ 2,629 $ 552 $ 2,077 Year Ended December 31, 2018 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,440 ) $ (302 ) $ (1,138 ) Reclassification adjustment for gains recognized in income (120 ) (25 ) (95 ) Total change in accumulated other comprehensive loss, net $ (1,560 ) $ (327 ) $ (1,233 )
Computation of Earnings Per Share	The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2019 and 2018: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount Year ended December 31, 2019 Net income, basic $ 7,860 5,197 $ 1.51 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 7,860 5,197 $ 1.51 Year ended December 31, 2018 Net income, basic 4,919 5,141 0.96 Potentially dilutive common shares - employee stock purchase program - - - Diluted 4,919 5,141 0.96

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Annual Activity	Annual activity consisted of the following: (dollars in thousands) 2019 2018 Balance, beginning of year $ 4,012 $ 4,287 Additions 297 25 Reductions (499 ) (300 ) Balance, end of year $ 3,910 $ 4,012

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Components of Income Tax Expense	The components of income tax expense for the current and prior year-ends are as follows: (dollars in thousands) 2019 2018 Current income tax expense $ 728 $ 443 Deferred income tax expense (benefit) 352 (164 ) Reported income tax expense $ 1,080 $ 279
Reconciliation of Federal Income Tax Expense	A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, (dollars in thousands) 2019 2018 Expected tax expense $ 1,877 $ 1,092 Interest expense on tax-exempt assets 7 18 Low-income housing tax credit (440 ) (496 ) Tax-exempt interest, net (201 ) (303 ) Bank-owned life insurance (164 ) (164 ) Other, net 1 132 Reported tax expense $ 1,080 $ 279
Components of Net Deferred Tax Asset	The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2019 2018 Deferred tax assets: Allowance for loan losses $ 2,029 $ 2,123 Nonaccrual loans 17 112 Acquistion accounting 61 120 Other real estate owned - 21 Net operating losses 677 712 Investments in pass-through entities 122 113 Bank owned life insurance benefit 64 59 Securities available-for-sale 21 573 Stock awards 67 55 Alternative minimum tax 0 292 Deferred compensation 347 236 Other 59 63 $ 3,464 $ 4,479 Deferred tax liabilities: Premises and equipment $ 345 $ 389 Acquistion accounting 76 86 Deferred loan fees and costs 117 181 538 656 Net deferred tax assets $ 2,926 $ 3,823

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amounts Represent Credit Risk	The following financial instruments whose contract amounts represent credit risk were outstanding at: December 31, (dollars in thousands) 2019 2018 Commitments to extend credit: Home equity lines of credit $ 62,267 $ 61,014 Commercial real estate, construction and development loans committed but not funded 15,637 12,165 Other lines of credit (principally commercial) 62,321 74,058 Total $ 140,225 $ 147,237 Letters of credit $ 7,724 $ 8,230

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Measurements [Abstract]
Assets Measured at Fair Value on Recurring Basis	The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2019 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available-for-sale securities U.S. Treasury securities $ 7,003 $ - $ 7,003 $ - Obligations of U.S. Government agencies 33,604 - 33,604 - Obligations of state and political subdivisions 24,742 - 24,742 - Mortgage-backed securities 71,908 - 71,908 - Money market investments 3,825 - 3,825 - Corporate bonds and other securities 4,633 - 4,633 - Total available-for-sale securities $ 145,715 $ - $ 145,715 $ - Fair Value Measurements at December 31, 2018 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available-for-sale securities U.S. Treasury securities $ 12,328 $ - $ 12,328 $ - Obligations of U.S. Government agencies 10,714 - 10,714 - Obligations of state and political subdivisions 48,837 - 48,837 - Mortgage-backed securities 71,191 - 71,191 - Money market investments 1,897 - 1,897 - Corporate bonds and other securities 3,280 - 3,280 - Total available-for-sale securities $ 148,247 $ - $ 148,247 $ -
Assets Measured at Fair Value on Nonrecurring Basis	The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan’s expected future cash flows, discounted at the loan's effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Carrying Value at December 31, 2019 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 74 $ - $ - $ 74 Commercial 1,294 - - 1,294 Construction 74 - - 74 Total mortgage loans on real estate $ 1,442 $ - $ - $ 1,442 Commercial loans - - - - Total $ 1,442 $ - $ - $ 1,442 Loans Loans held for sale $ 590 $ - $ 590 $ - Carrying Value at December 31, 2018 Using (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 188 $ - $ - $ 188 Construction 74 - - 74 Equity lines of credit 229 - - 229 Total mortgage loans on real estate 491 - - 491 Total $ 491 $ - $ - $ 491 Loans Loans held for sale $ 479 $ - $ 479 $ - Other real estate owned Construction $ 83 $ - $ - $ 83 Total $ 83 $ - $ - $ 83
Fair Value Inputs, Assets, Quantitative Information	The following table displays quantitative information about Level 3 Fair Value Measurements as of the dates indicated: Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2019 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Residential 1-4 family real estate $ 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate $ 1,294 Market comparables Selling costs 6.00 % Liquidation discount 35.00 % Construction $ 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2018 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Residential 1-4 family real estate $ 188 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction $ 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Equity lines of credit $ 229 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Construction $ 83 Market comparables Selling costs 7.25 % Liquidation discount 4.00 %
Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments	The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2019 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 89,865 $ 89,865 $ - $ - Securities available-for-sale 145,715 - 145,715 - Restricted securities 2,926 - 2,926 - Loans held for sale 590 - 590 - Loans, net of allowances for loan losses 738,205 - - 734,932 Bank owned life insurance 27,547 - 27,547 - Accrued interest receivable 2,762 - 2,762 - Liabilities Deposits $ 889,496 $ - $ 893,584 $ - Overnight repurchase agreements 11,452 - 11,452 - Federal Home Loan Bank advances 37,000 - 36,747 - Other borrowings 1,950 - 2,250 - Accrued interest payable 620 - 620 - Fair Value Measurements at December 31, 2018 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 42,217 $ 42,217 $ - $ - Securities available-for-sale 148,247 - 148,247 - Restricted securities 3,853 - 3,853 - Loans held for sale 479 - 479 - Loans, net of allowances for loan losses 763,898 - - 749,848 Bank owned life insurance 26,763 - 26,763 - Accrued interest receivable 3,095 - 3,095 - Liabilities Deposits $ 843,144 $ - $ 843,818 $ - Overnight repurchase agreements 25,775 - 25,775 - Federal Home Loan Bank advances 60,000 - 59,975 - Other borrowings 2,550 - 2,550 - Accrued interest payable 594 - 594 -

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	The Bank’s actual capital amounts and ratios as of December 31, 2019 and 2018 are presented in the table below. 2019 Regulatory Minimums December 31, 2019 2018 Regulatory Minimums December 31, 2018 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 11.73 % 4.500 % 10.90 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 11.73 % 6.000 % 10.90 % Tier 1 Leverage to Average Assets 4.000 % 9.73 % 4.000 % 9.34 % Total Capital to Risk-Weighted Assets 8.000 % 12.86 % 8.000 % 12.06 % Capital Conservation Buffer 2.500 % 4.86 % 1.875 % 4.06 % Risk-Weighted Assets (in thousands) $ 863,905 $ 884,444

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
Reconciliation of Assets and Revenues from Segment to Consolidated	Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: Year Ended December 31, 2019 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 40,121 $ 120 $ 8,446 $ (8,446 ) $ 40,241 Income from fiduciary activities - 3,850 - - 3,850 Other income 9,260 1,028 200 (261 ) 10,227 Total operating income 49,381 4,998 8,646 (8,707 ) 54,318 Expenses Interest expense 6,310 - 112 - 6,422 Provision for loan losses 318 - - - 318 Salaries and employee benefits 20,405 3,142 477 - 24,024 Other expenses 13,508 1,015 352 (261 ) 14,614 Total operating expenses 40,541 4,157 941 (261 ) 45,378 Income before taxes 8,840 841 7,705 (8,446 ) 8,940 Income tax expense (benefit) 1,054 181 (155 ) - 1,080 Net income $ 7,786 $ 660 $ 7,860 $ (8,446 ) $ 7,860 Capital expenditures $ 1,756 $ 26 $ - $ - $ 1,782 Total assets $ 1,048,158 $ 6,695 $ 111,764 $ (112,129 ) $ 1,054,488 Year Ended December 31, 2018 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 38,122 $ 95 $ 6,116 $ (6,114 ) $ 38,219 Income from fiduciary activities - 3,726 - - 3,726 Other income 8,589 1,026 230 (262 ) 9,583 Total operating income 46,711 4,847 6,346 (6,376 ) 51,528 Expenses Interest expense 4,870 - 99 - 4,969 Provision for loan losses 2,861 - - - 2,861 Salaries and employee benefits 19,150 2,977 453 - 22,580 Other expenses 14,078 1,086 1,018 (262 ) 15,920 Total operating expenses 40,959 4,063 1,570 (262 ) 46,330 Income before taxes 5,752 784 4,776 (6,114 ) 5,198 Income tax expense (benefit) 256 166 (143 ) - 279 Net income $ 5,496 $ 618 $ 4,919 $ (6,114 ) $ 4,919 Capital expenditures $ 478 $ - $ - $ - $ 478 Total assets $ 1,032,676 $ 6,226 $ 104,592 $ (105,311 ) $ 1,038,183

Condensed Financial Statement_2

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Statements of Parent Company [Abstract]
Balance Sheets	Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: Balance Sheets December 31, (dollars in thousands) 2019 2018 Assets Cash and cash equivalents $ 1,399 $ 1,352 Securities available-for-sale - - Investment in common stock of subsidiaries 110,057 103,035 Other assets 308 205 Total assets $ 111,764 $ 104,592 Liabilities and Stockholders' Equity Other borrowings $ 1,950 $ 2,550 Other liability 58 36 Common stock 25,901 25,853 Additional paid-in capital 20,959 20,698 Retained earnings 62,975 57,611 Accumulated other comprehensive loss (79 ) (2,156 ) Total liabilities and stockholders' equity $ 111,764 $ 104,592
Statements of Income	Statements of Income Years Ended December 31, (dollars in thousands) 2019 2018 Income: Dividends from subsidiary $ 3,500 $ 2,500 Interest on investments - - Other income 200 233 Total income 3,700 2,733 Expenses: Salary and benefits 477 453 Legal expenses 101 143 Service fees 200 166 Merger expenses - 655 Other operating expenses 163 153 Total expenses 941 1,570 Income before income taxes and equity in undistributed net income of subsidiaries 2,759 1,163 Income tax benefit (155 ) (143 ) 2,914 1,306 Equity in undistributed net income of subsidiaries 4,946 3,613 Net income $ 7,860 $ 4,919
Statements of Cash Flows	Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2019 2018 Cash flows from operating activities: Net income $ 7,860 $ 4,919 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (4,946 ) (3,613 ) Gain on sale of securities, net - (30 ) Stock compensation expense 12 11 Increase in other assets 110 (13 ) Increase in other liabilities 22 18 Net cash provided by operating activities 3,058 1,292 Cash flows from investing activities: Proceeds from sale of investment securities - 227 Cash paid in acquisition - (3,164 ) Cash acquired in acquisition 2,304 Cash distributed to subsidiary - (2,304 ) Net cash used in investing activities - (2,937 ) Cash flows from financing activities: Proceeds from sale of stock 85 87 Proceeds from borrowings - 3,000 Repayment of borrowings (600 ) (450 ) Cash dividends paid on common stock (2,496 ) (2,262 ) Net cash (used in) provided by financing activities (3,011 ) 375 Net increase (decrease) in cash and cash equivalents 47 (1,270 ) Cash and cash equivalents at beginning of year 1,352 2,622 Cash and cash equivalents at end of year $ 1,399 $ 1,352

Significant Accounting Polici_3

Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)SubsidiaryBranchPeriodqtr	Dec. 31, 2018USD ($)Periodqtr
THE COMPANY [Abstract]
Number of subsidiaries | Subsidiary	2
Number of branch offices | Branch	19
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 747,865	$ 774,009
INTEREST-BEARING DEPOSITS IN BANKS [Abstract]
Maturity period of interest bearing deposits	1 year
ALLOWANCE FOR LOAN LOSSES [Abstract]
Number of migration periods | Period	8	8
Number of quarters remains on migration period | qtr	12	12
INCOME TAXES [Abstract]
Uncertain tax positions	$ 0	$ 0
ADVERTISING EXPENSE [Abstract]
Advertising expense	$ 207	255
Buildings and Equipment [Member] | Minimum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	3 years
Buildings and Equipment [Member] | Maximum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	39 years
Software [Member] | Minimum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	3 years
Software [Member] | Maximum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	5 years
Commercial Real Estate [Member] | Lender Concentration Risk [Member]
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 344,100	$ 347,900
Percentage of concentration risk	46.01%	44.94%

Acquisitions (Details)

Acquisitions (Details) - USD ($) $ / shares in Units, $ in Thousands	Apr. 01, 2018	Dec. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Consideration paid [Abstract]
Cash	$ 3,164	$ 0	$ 3,164
Old Point common stock	3,947		3,947
Total purchase price	$ 7,111
Identifiable assets acquired [Abstract]
Cash and cash equivalents				$ 2,304
Securities available for sale				1,959
Restricted securities, at cost				278
Loans, net				42,790
Premises and equipment				1,520
Other real estate owned				176
Core deposit intangibles				440
Other assets				939
Total assets				50,406
Identifiable liabilities assumed [Abstract]
Deposits				44,000
Other liabilities				324
Total liabilities				44,324
Net assets acquired				6,082
Goodwill		1,650	1,650	1,029
Amortization and Accretion of Premiums and Discounts [Abstract]
Net impact to income before taxes		(239)	(341)
Fair Value Adjustment [Member]
Identifiable assets acquired [Abstract]
Cash and cash equivalents				0
Securities available for sale				0
Restricted securities, at cost				0
Loans, net				(34)
Premises and equipment				450
Other real estate owned				(61)
Core deposit intangibles				440
Other assets				(116)
Total assets				679
Identifiable liabilities assumed [Abstract]
Deposits				246
Other liabilities				0
Total liabilities				$ 246
Citizens National Bank [Member]
Business Combination, Description [Abstract]
Shares issued per acquired share (in shares)	0.1041
Cash paid per acquired share (in dollars per share)				$ 2.19
Shares issued for acquisition (in shares)	149,625
Identifiable assets acquired [Abstract]
Cash and cash equivalents				$ 2,304
Securities available for sale				1,959
Restricted securities, at cost				278
Loans, net				42,824
Premises and equipment				1,070
Other real estate owned				237
Core deposit intangibles				0
Other assets				1,055
Total assets				49,727
Identifiable liabilities assumed [Abstract]
Deposits				43,754
Other liabilities				324
Total liabilities				44,078
Purchased Credit-impaired Loans Receivable [Abstract]
Contractually required principal and interest payments				1,031
Nonaccretable difference				(211)
Cash flows expected to be collected				820
Accretable yield				(110)
Fair value of purchased credit-impaired loans				710
Fair value of purchased performing loans				$ 42,100
Amortization and Accretion of Premiums and Discounts [Abstract]
Purchased performing loans		142	181
Purchased credit-impaired loans		12	77
Certificate of deposit valuation		129	116
Amortization of core deposit intangible		(44)	(33)
Net impact to income before taxes		$ 239	$ 341

Restrictions on Cash and Amou_2

Restrictions on Cash and Amounts Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Restrictions on Cash and Amounts Due from Banks [Abstract]
Required reserve balances	$ 0	$ 0
Amount of deposits at financial institutions in excess of cash FDIC insured amount	$ 23.8	$ 5.1

Securities Portfolio (Details)

Securities Portfolio (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Security	Dec. 31, 2018USD ($)Security
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 145,815
Fair value	145,715
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	145,815	$ 150,976
Gross unrealized gains	1,083	298
Gross unrealized losses	(1,183)	(3,027)
Fair value	$ 145,715	148,247
Number of securities exceeding ten percent of stockholders' equity | Security	0
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 1,655
Due after one year through five years	15,702
Due after five through ten years	36,667
Due after ten years	87,966
Other securities, restricted	3,825
Total securities	145,815
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	1,664
Due after one year through five years	15,758
Due after five through ten years	36,767
Due after ten years	87,701
Other securities, restricted	3,825
Total securities	145,715
Securities Available-for-sale [Abstract]
Realized gains on sales of securities	575	131
Realized losses on sales of securities	(261)	(11)
Net realized gain	314	120
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	979	59
More Than Twelve Months	204	2,968
Total	1,183	3,027
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	84,517	14,427
More Than Twelve Months	16,837	91,252
Total	$ 101,354	$ 105,679
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	47	88
Collateral Pledged [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Securities pledged as collateral	$ 74,000	$ 59,900
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	6,925	12,323
Gross unrealized gains	78	6
Gross unrealized losses	0	(1)
Fair value	7,003	12,328
Available-for-Sale, Amortized Cost [Abstract]
Total securities	6,925	12,323
Available-for-Sale, Fair Value [Abstract]
Total securities	7,003	12,328
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months		1
More Than Twelve Months		0
Total		1
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months		2,484
More Than Twelve Months		0
Total		$ 2,484
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security		1
Obligations of US Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	33,998	$ 10,868
Gross unrealized gains	9	2
Gross unrealized losses	(403)	(156)
Fair value	33,604	10,714
Available-for-Sale, Amortized Cost [Abstract]
Total securities	33,998	10,868
Available-for-Sale, Fair Value [Abstract]
Total securities	33,604	10,714
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	349	47
More Than Twelve Months	54	109
Total	403	156
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	29,744	6,014
More Than Twelve Months	2,562	3,206
Total	$ 32,306	$ 9,220
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	22	15
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 24,525	$ 49,194
Gross unrealized gains	442	155
Gross unrealized losses	(225)	(512)
Fair value	24,742	48,837
Available-for-Sale, Amortized Cost [Abstract]
Total securities	24,525	49,194
Available-for-Sale, Fair Value [Abstract]
Total securities	24,742	48,837
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	225	10
More Than Twelve Months	0	502
Total	225	512
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	10,112	5,829
More Than Twelve Months	0	23,727
Total	$ 10,112	$ 29,556
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	7	45
Mortgage-Backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 72,000	$ 73,444
Gross unrealized gains	460	93
Gross unrealized losses	(552)	(2,346)
Fair value	71,908	71,191
Available-for-Sale, Amortized Cost [Abstract]
Total securities	72,000	73,444
Available-for-Sale, Fair Value [Abstract]
Total securities	71,908	71,191
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	405	0
More Than Twelve Months	147	2,346
Total	552	2,346
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	44,661	0
More Than Twelve Months	14,078	63,930
Total	$ 58,739	$ 63,930
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	17	24
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 3,825	$ 1,897
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	3,825	1,897
Available-for-Sale, Amortized Cost [Abstract]
Total securities	3,825	1,897
Available-for-Sale, Fair Value [Abstract]
Total securities	3,825	1,897
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	4,542	3,250
Gross unrealized gains	94	42
Gross unrealized losses	(3)	(12)
Fair value	4,633	3,280
Available-for-Sale, Amortized Cost [Abstract]
Total securities	4,542	3,250
Available-for-Sale, Fair Value [Abstract]
Total securities	4,633	3,280
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	0	1
More Than Twelve Months	3	11
Total	3	12
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	0	100
More Than Twelve Months	197	389
Total	$ 197	$ 489
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	1	3
Municipal Obligations, Mortgage-Backed Securities, and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Gross unrealized losses	$ (204)	$ (3,000)
Fair value	16,800	91,300
Available-for-Sale, Fair Value [Abstract]
Total securities	$ 16,800	$ 91,300
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	10	65

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		$ 747,865	$ 774,009
Less: Allowance for loan losses		9,660	10,111
Loans, net of allowance and deferred fees	[1]	738,205	763,898
Overdrawn accounts, excluding internal use accounts		449	628
Net deferred loan costs		557	864
Mortgage Loans on Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		528,910	532,824
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		118,561	110,009
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		141,743	155,245
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		135,798	131,287
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		25,865	28,954
Mortgage Loans on Real Estate [Member] | Construction [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		40,716	32,383
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		13,941	17,297
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		52,286	57,649
Commercial [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		75,383	63,398
Commercial [Member] | Commercial and Industrial Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		75,383	63,398
Consumer [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[2]	137,007	169,138
Consumer [Member] | Consumer Automobile Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		97,294	120,796
Consumer [Member] | Other Consumer Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		39,713	48,342
Other [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[3]	$ 6,565	$ 8,649
[1]	Net deferred loan costs totaled $557 thousand and $864 thousand at December 31, 2019 and 2018, respectively.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $449 thousand and $628 thousand at December 31, 2019 and 2018, respectively.

Loans and the Allowance for Loa

Loans and the Allowance for Loan Losses, Acquired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Acquired Loans Included in Consolidated Balance Sheet [Abstract]
Outstanding principal balance	$ 16,850	$ 31,940
Carrying amount	16,561	31,497
Acquired Loans Accounted for Under FASB ASC 310-30 [Abstract]
Outstanding principal balance	227	246
Carrying amount	85	91
Acquired Loans Accounted for under FASB ASC 310-30 Changes in Accretable Yield [Roll Forward]
Balance at beginning of period	12	0
Additions from acquisition of Citizens	0	110
Accretion	(27)	(98)
Reclassification from nonaccretable difference	125	0
Other changes, net	(38)	0
Balance at end of period	$ 72	$ 12

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Receivables [Abstract]
Gross loans receivable		$ 747,865	$ 774,009
Pass [Member]
Receivables [Abstract]
Gross loans receivable		734,653	743,490
OAEM [Member]
Receivables [Abstract]
Gross loans receivable		3,306	10,062
Substandard [Member]
Receivables [Abstract]
Gross loans receivable		9,906	20,457
Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Gross loans receivable		528,910	532,824
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		516,505	505,211
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		3,240	8,075
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		9,165	19,538
Mortgage Loans on Real Estate [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Gross loans receivable		118,561	110,009
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		116,380	108,274
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		2,181	1,735
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Receivables [Abstract]
Gross loans receivable		141,743	155,245
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		134,570	140,664
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		1,618	4,067
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		5,555	10,514
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Receivables [Abstract]
Gross loans receivable		135,798	131,287
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		132,851	121,523
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		1,622	3,937
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		1,325	5,827
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Receivables [Abstract]
Gross loans receivable		25,865	28,954
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		25,865	28,954
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Gross loans receivable		40,716	32,383
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		40,716	31,896
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	71
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	416
Mortgage Loans on Real Estate [Member] | Construction [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Gross loans receivable		13,941	17,297
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		13,837	17,007
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		104	290
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Receivables [Abstract]
Gross loans receivable		52,286	57,649
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		52,286	56,893
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	756
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Commercial [Member]
Receivables [Abstract]
Gross loans receivable		75,383	63,398
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Gross loans receivable		75,383	63,398
Commercial [Member] | Commercial and Industrial Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		74,963	60,967
Commercial [Member] | Commercial and Industrial Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		66	1,987
Commercial [Member] | Commercial and Industrial Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		354	444
Commercial [Member] | Commercial and Industrial Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member]
Receivables [Abstract]
Gross loans receivable	[1]	137,007	169,138
Consumer [Member] | Consumer Automobile Loans [Member]
Receivables [Abstract]
Gross loans receivable		97,294	120,796
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		96,907	120,365
Consumer [Member] | Consumer Automobile Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member] | Consumer Automobile Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		387	431
Consumer [Member] | Consumer Automobile Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Gross loans receivable		39,713	48,342
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		39,713	48,298
Consumer [Member] | Other Consumer Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member] | Other Consumer Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	44
Consumer [Member] | Other Consumer Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member]
Receivables [Abstract]
Gross loans receivable	[2]	6,565	8,649
Other [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		6,565	8,649
Other [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		$ 0	$ 0
[1]	The consumer segment includes consumer automobile loans.
[2]	Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $449 thousand and $628 thousand at December 31, 2019 and 2018, respectively.

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		$ 1,091	$ 2,497
PCI		85	91
Nonaccrual	[1]	6,037	12,141
Total Current Loans		735,630	750,717
Total Loans		747,865	774,009
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	6,037	12,141
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		283	533
Actual interest income recorded for the period		115	336
Reduction in interest income on non accrual loans		168	197
30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		3,504	7,007
60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		1,518	1,556
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Past Due		$ 1,800	$ 4,000
Guaranteed Student Loans [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97.00%	97.00%
Guaranteed Student Loans [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		100.00%	100.00%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		$ 0	$ 520
PCI		85	91
Nonaccrual	[1]	5,780	11,843
Total Current Loans		521,661	517,433
Total Loans		528,910	532,824
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	5,780	11,843
Mortgage Loans on Real Estate [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		1,065	2,301
Mortgage Loans on Real Estate [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		319	636
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	180
PCI		0	0
Nonaccrual	[1]	1,459	1,386
Total Current Loans		116,211	106,725
Total Loans		118,561	110,009
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	1,459	1,386
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		891	1,165
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	553
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		85	91
Nonaccrual	[1]	2,795	5,283
Total Current Loans		138,544	148,729
Total Loans		141,743	155,245
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	2,795	5,283
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	1,059
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		319	83
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	1,422	4,371
Total Current Loans		134,376	126,916
Total Loans		135,798	131,287
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	1,422	4,371
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans		25,865	28,954
Total Loans		25,865	28,954
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	205
PCI		0	0
Nonaccrual	[1]	0	417
Total Current Loans		40,616	31,761
Total Loans		40,716	32,383
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	417
Mortgage Loans on Real Estate [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		100	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	135
PCI		0	0
Nonaccrual	[1]	104	155
Total Current Loans		13,788	16,990
Total Loans		13,941	17,297
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	104	155
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		49	17
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	0	231
Total Current Loans		52,261	57,358
Total Loans		52,286	57,649
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	231
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		25	60
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Commercial [Member]
Loans, Aging [Abstract]
PCI		85	91
Total Loans		75,383	63,398
Commercial [Member] | Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	257	298
Total Current Loans		74,915	61,505
Total Loans		75,383	63,398
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	257	298
Commercial [Member] | Commercial and Industrial Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		211	1,595
Commercial [Member] | Commercial and Industrial Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Consumer [Member]
Loans, Aging [Abstract]
PCI	[2]	0	0
Nonaccrual		0	0
Total Loans	[2]	137,007	169,138
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0	0
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		203	114
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans		95,677	118,746
Total Loans		97,294	120,796
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		1,115	1,645
Consumer [Member] | Consumer Automobile Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		299	291
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		888	1,851
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans		36,902	44,537
Total Loans		39,713	48,342
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		1,032	1,333
Consumer [Member] | Other Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		891	621
Other [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	12
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans		6,475	8,496
Total Loans	[3]	6,565	8,649
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Other [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		81	133
Other [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		$ 9	$ 8
[1]	For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $449 thousand and $628 thousand at December 31, 2019 and 2018, respectively.

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)ModificationContract	Dec. 31, 2018USD ($)Modification
Receivables [Abstract]
Number of Modifications | Modification	3	3
Recorded Investment Prior to Modification	$ 587	$ 690
Recorded Investment After Modification	587	556
Current Investment	581	558
Outstanding commitments on TDR's	0	0
Defaulting TDR's within twelve months of restructuring	$ 0	0
Interest Rate Below Market Reduction [Member]
Receivables [Abstract]
Number of Modifications | Contract	1
Terms Not Otherwise Available [Member]
Receivables [Abstract]
Number of Modifications | Contract	2
Residential 1-4 Family [Member]
Receivables [Abstract]
Loans in process for foreclosure	$ 272	$ 0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Number of Modifications | Modification		2
Recorded Investment Prior to Modification		$ 544
Recorded Investment After Modification		418
Current Investment		$ 419
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Number of Modifications | Modification	2	1
Recorded Investment Prior to Modification	$ 512	$ 296
Recorded Investment After Modification	512	187
Current Investment	$ 506	$ 188
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Receivables [Abstract]
Number of Modifications | Modification		1
Recorded Investment Prior to Modification		$ 248
Recorded Investment After Modification		231
Current Investment		$ 231
Commercial [Member] | Commercial and Industrial [Member]
Receivables [Abstract]
Number of Modifications | Modification	1	1
Recorded Investment Prior to Modification	$ 75	$ 146
Recorded Investment After Modification	75	138
Current Investment	$ 75	$ 139

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Receivables [Abstract]
Unpaid Principal Balance	$ 11,595	$ 18,970
Recorded Investment, Without Valuation Allowance	6,411	15,249
Recorded Investment, With Valuation Allowance	2,033	931
Associated Allowance	481	116
Average Recorded Investment	8,866	18,268
Interest Income Recognized	149	549
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	11,211	18,548
Recorded Investment, Without Valuation Allowance	6,057	15,171
Recorded Investment, With Valuation Allowance	2,033	711
Associated Allowance	481	105
Average Recorded Investment	8,572	17,779
Interest Income Recognized	144	544
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	1,542	2,057
Recorded Investment, Without Valuation Allowance	1,519	1,686
Recorded Investment, With Valuation Allowance	89	239
Associated Allowance	39	51
Average Recorded Investment	1,416	2,073
Interest Income Recognized	11	66
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	9,333	15,254
Recorded Investment, Without Valuation Allowance	4,538	12,721
Recorded Investment, With Valuation Allowance	1,611	0
Associated Allowance	317	0
Average Recorded Investment	6,822	14,232
Interest Income Recognized	123	455
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	89	509
Recorded Investment, Without Valuation Allowance	0	417
Recorded Investment, With Valuation Allowance	88	92
Associated Allowance	14	18
Average Recorded Investment	88	665
Interest Income Recognized	4	7
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Unpaid Principal Balance	247	496
Recorded Investment, Without Valuation Allowance	0	347
Recorded Investment, With Valuation Allowance	245	148
Associated Allowance	111	33
Average Recorded Investment	246	508
Interest Income Recognized	6	15
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Receivables [Abstract]
Unpaid Principal Balance		232
Recorded Investment, Without Valuation Allowance		0
Recorded Investment, With Valuation Allowance		232
Associated Allowance		3
Average Recorded Investment		301
Interest Income Recognized		1
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	362	384
Recorded Investment, Without Valuation Allowance	354	78
Recorded Investment, With Valuation Allowance	0	220
Associated Allowance	0	11
Average Recorded Investment	273	446
Interest Income Recognized	4	5
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	22	38
Recorded Investment, Without Valuation Allowance	0	0
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	21	43
Interest Income Recognized	$ 1	$ 0

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Activity In Period (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		$ 10,111	$ 9,448
Charge-offs		(1,398)	(2,842)
Recoveries		629	644
Provision for loan losses		318	2,861
Ending balance		9,660	10,111
Individually evaluated for impairment				$ 481	$ 116
Collectively evaluated for impairment				9,179	9,995
Purchased credit-impaired loans				0	0
Ending balance		9,660	9,448	9,660	10,111
Loans Balances [Abstract]
Individually evaluated for impairment				8,444	16,180
Collectively evaluated for impairment				739,336	757,738
Purchased credit-impaired loans				85	91
Ending balance				747,865	774,009
Commercial and Industrial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		2,340	1,889
Charge-offs		0	(81)
Recoveries		10	140
Provision for loan losses		(1,106)	392
Ending balance		1,244	2,340
Individually evaluated for impairment				0	11
Collectively evaluated for impairment				1,244	2,329
Purchased credit-impaired loans				0	0
Ending balance		1,244	1,889	1,244	2,340
Loans Balances [Abstract]
Individually evaluated for impairment				354	298
Collectively evaluated for impairment				74,944	63,009
Purchased credit-impaired loans				85	91
Ending balance				75,383	63,398
Real Estate [Member]
Loans Balances [Abstract]
Purchased credit-impaired loans				85	91
Ending balance				528,910	532,824
Real Estate [Member] | Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		156	541
Charge-offs		0	0
Recoveries		0	0
Provision for loan losses		102	(385)
Ending balance		258	156
Individually evaluated for impairment				14	18
Collectively evaluated for impairment				244	138
Purchased credit-impaired loans				0	0
Ending balance		258	541	258	156
Loans Balances [Abstract]
Individually evaluated for impairment				88	509
Collectively evaluated for impairment				40,628	31,874
Purchased credit-impaired loans				0	0
Ending balance				40,716	32,383
Real Estate [Member] | Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[1]	5,956	5,217
Charge-offs	[1]	(197)	(1,625)
Recoveries	[1]	200	158
Provision for loan losses	[1]	209	2,206
Ending balance	[1]	6,168	5,956
Individually evaluated for impairment	[1]			467	87
Collectively evaluated for impairment	[1]			5,701	5,869
Purchased credit-impaired loans	[1]			0	0
Ending balance	[1]	6,168	5,956	6,168	5,956
Loans Balances [Abstract]
Individually evaluated for impairment	[1]			8,002	15,373
Collectively evaluated for impairment	[1]			480,192	485,068
Purchased credit-impaired loans	[1]			0	0
Ending balance	[1]			488,194	500,441
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[2]	1,354	1,644
Charge-offs	[2]	(776)	(769)
Recoveries	[2]	351	262
Provision for loan losses	[2]	765	217
Ending balance	[2]	1,694	1,354
Individually evaluated for impairment	[2]			0	0
Collectively evaluated for impairment	[2]			1,694	1,354
Purchased credit-impaired loans	[2]			0	0
Ending balance	[2]	1,694	1,644	1,694	1,354
Loans Balances [Abstract]
Individually evaluated for impairment	[2]			0	0
Collectively evaluated for impairment	[2]			137,007	169,138
Purchased credit-impaired loans	[2]			0	0
Ending balance	[2]			137,007	169,138
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		305	157
Charge-offs		(425)	(367)
Recoveries		68	84
Provision for loan losses		348	431
Ending balance		296	305
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				296	305
Purchased credit-impaired loans				0	0
Ending balance		$ 296	$ 157	296	305
Loans Balances [Abstract]
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				6,565	8,649
Purchased credit-impaired loans				0	0
Ending balance	[3]			$ 6,565	$ 8,649
[1]	The real estate - mortgage segment included residential 1-4 family, commercial real estate, second mortgages and equity lines of credit.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $449 thousand and $628 thousand at December 31, 2019 and 2018, respectively.

Other Real Estate Owned (OREO_2

Other Real Estate Owned (OREO) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Analysis of Balance in OREO [Roll Forward]
Balance at beginning of year		$ 83	$ 0
Transfers to OREO due to foreclosure		0	203
Other additions to foreclosed properties		0	176
Properties sold		(83)	(296)
Balance at end of year		0	83
Expenses applicable to OREOs [Abstract]
Net gain (loss) on sales of real estate		2	(86)
Operating expenses, net of income	[1]	(2)	(1)
Total Expenses		$ 0	$ (87)
[1]	Included in other operating income and other operating expense on the Consolidated Statements of Operations.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 67,468	$ 67,156
Less accumulated depreciation and amortization	32,156	30,418
Balance at end of year	35,312	36,738
Depreciation expense	2,220	2,469
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	8,001	8,098
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	37,900	39,132
Construction in Progress [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	958	161
Leasehold Improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	861	861
Furniture, Fixtures and Equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 19,748	$ 18,904

Leases, Adoption ASU No. 2016-0

Leases, Adoption ASU No. 2016-02 (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets and Liabilities, Lessee [Abstract]
Right-of-use asset	$ 432
Lease liability	$ 437
ASU 2016-02 [Member]
Assets and Liabilities, Lessee [Abstract]
Right-of-use asset		$ 751
Lease liability		$ 751

Leases, Long-term Lease Agreeme

Leases, Long-term Lease Agreements Calssified as Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Information about Leases [Abstract]
Lease liabilities	$ 437
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities
Right-of-use asset	$ 432
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	us-gaap:OtherAssets
Weighted average remaining lease term	2 years 2 months 1 day
Weighted average discount rate	2.77%
Lease Cost [Abstract]
Operating lease cost	$ 336
Total lease cost	336
Cash paid for amounts included in the measurement of lease liabilities	331
Lease payments due [Abstract]
Twelve months ending December 31, 2020	253
Twelve months ending December 31, 2021	112
Twelve months ending December 31, 2022	83
Total undiscounted cash flows	448
Discount	(11)
Lease liabilities	437
Rental expense of premises and equipment	$ 361	$ 349

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2019USD ($)Fund	Dec. 31, 2018USD ($)Fund	Dec. 31, 2017
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4	4
Low-income housing investment		$ 3,000	$ 3,200
Additional committed capital calls expected		50	248
Amortization expense		216	320
Tax credits and other benefits [Abstract]
Amortization of operating losses		216	320
Tax benefit of operating losses	[1]	45	67
Tax credits		441	496
Total tax benefit		$ 486	$ 563
Effective income tax rate		21.00%		35.00%
[1]	Computed using a 21% tax rate.

Deposits (Details)

Deposits (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Customer	Dec. 31, 2018USD ($)
Deposits [Abstract]
Time deposits threshold	$ 250
Aggregate amount of time deposits in denominations of $250 thousand or more	$ 45,300	$ 43,400
Number of single customer relationships that exceeded deposit limit | Customer	0
Percentage of total deposits	5.00%
Maturities of time deposits [Abstract]
2020	$ 123,911
2021	52,025
2022	21,776
2023	21,817
2024	8,389
Balance at end of year	$ 227,918	$ 228,964

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Borrowings and FHLB Advances [Abstract]
Available federal funds lines	$ 55,000	$ 55,000
Available credit with FHLB	276,300	245,900
Short-Term Borrowings [Abstract]
Overnight repurchase agreements	11,452	25,775
Federal Home Loan Bank advances	0	13,000
Total short-term borrowings	11,452	38,775
Maximum month-end outstanding balance	38,138	99,898
Average outstanding balance during the period	$ 27,382	$ 62,887
Average interest rate (year-to-date)	0.71%	1.11%
Average interest rate at end of period	0.10%	0.93%
Long-Term Borrowings [Abstract]
FHLB advances outstanding	$ 37,000	$ 47,000
Maximum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period	4 days
Minimum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period	1 day
1.54% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate		1.54%
FHLB advance maturity date		Feb. 28, 2019
FHLB advances outstanding		$ 10,000
1.90% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate		1.90%
FHLB advance maturity date		Nov. 15, 2019
FHLB advances outstanding		$ 10,000
2.92% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate	2.92%	2.92%
FHLB advance maturity date	Apr. 17, 2020	Apr. 17, 2020
FHLB advances outstanding	$ 10,000	$ 10,000
2.77% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate	2.77%	2.77%
FHLB advance maturity date	Jun. 19, 2020	Jun. 19, 2020
FHLB advances outstanding	$ 10,000	$ 10,000
2.79% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate	2.79%	2.79%
FHLB advance maturity date	Aug. 29, 2020	Aug. 29, 2020
FHLB advances outstanding	$ 3,500	$ 3,500
2.63% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate	2.63%
FHLB advance maturity date	Feb. 26, 2021
FHLB advances outstanding	$ 5,000
2.37% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate	2.37%
FHLB advance maturity date	May 21, 2021
FHLB advances outstanding	$ 5,000
2.89% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate	2.89%	2.89%
FHLB advance maturity date	Aug. 27, 2021	Aug. 27, 2021
FHLB advances outstanding	$ 3,500	$ 3,500
Citizens Acquisition [Member]
Long-Term Borrowings [Abstract]
Loan maturity date	Apr. 1, 2023
Loans outstanding	$ 2,000	$ 2,600
Interest rate	4.20%	4.85%

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 224	$ 160
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	13,689
Issued (in shares)	16,661
Vested (in shares)	(5,839)
Forfeited (in shares)	(4,578)
Nonvested balance at end of period (in shares)	19,933	13,689
Weighted Average Grant Date Fair Value [Abstract]
Nonvested balance at beginning of period (in dollars per share)	$ 27.51
Issued (in dollars per share)	21.68
Vested (in dollars per share)	27.97
Forfeited (in dollars per share)	26.63
Nonvested balance at end of period (in dollars per share)	$ 22.70	$ 27.51
Weighted-average remaining vesting period for recognition	1 year 4 months 24 days
Fair value of restricted stock granted	$ 361	$ 301
Unrecognized stock-based compensation expense	$ 194	$ 30
2016 Stock Incentive Plan [Member]
Stock option plan activity [Abstract]
Shares available for grant (in shares)	300,000
ESPP [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase		5.00%
Total stock purchases under the plan (in shares)	3,666	3,517
Shares reserved for issuance (in shares)	238,270
ESPP [Member] | Minimum [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase	0.00%
ESPP [Member] | Maximum [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase	15.00%

Stockholders' Equity and Earn_3

Stockholders' Equity and Earnings per Common Share, Amounts Reclassified Out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Available-for-sale securities [Abstract]
Realized gains on sales of securities	$ 314	$ 120
Tax effect	66	25
Total	$ 248	$ 95

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Stockholders Equity Note [Abstract]
Beginning Balance	$ 102,006	$ 96,388
Ending Balance	109,756	102,006
Other comprehensive income, pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax	2,943	(1,440)
Reclassification adjustment for gains recognized in income, pretax	(314)	(120)
Total change in accumulated other comprehensive income (loss), net, pretax	2,629	(1,560)
Other Comprehensive Income, Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	618	(302)
Reclassification adjustment for gains recognized in income, tax effect	(66)	(25)
Total change in accumulated other comprehensive income (loss), net, tax effect	552	(327)
Other Comprehensive Income, Net of Tax [Abstract]
Unrealized holding gains (losses) arising during the period, net of tax	2,325	(1,138)
Reclassification adjustment for gains recognized in income, net of tax	(248)	(95)
Other comprehensive income (loss), net of tax	2,077	(1,233)
ASU 2018-02 [Member]
Stockholders Equity Note [Abstract]
Reclassification of the income tax effects of the Tax Cuts and Jobs Act from AOCI		0
ASU 2016-01 [Member]
Stockholders Equity Note [Abstract]
Reclassification of net unrealized gains on equity securities from AOCI			$ 0
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(2,156)	(707)
Net other comprehensive income (loss)	2,077	(1,233)
Ending Balance	(79)	(2,156)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member] | ASU 2018-02 [Member]
Stockholders Equity Note [Abstract]
Reclassification of the income tax effects of the Tax Cuts and Jobs Act from AOCI		(139)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member] | ASU 2016-01 [Member]
Stockholders Equity Note [Abstract]
Reclassification of net unrealized gains on equity securities from AOCI			(77)
Accumulated Other Comprehensive Loss [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(2,156)	(707)
Net other comprehensive income (loss)	2,077	(1,233)
Ending Balance	(79)	(2,156)
Other Comprehensive Income, Net of Tax [Abstract]
Other comprehensive income (loss), net of tax	$ 2,077	(1,233)
Accumulated Other Comprehensive Loss [Member] | ASU 2018-02 [Member]
Stockholders Equity Note [Abstract]
Reclassification of the income tax effects of the Tax Cuts and Jobs Act from AOCI		$ (139)
Accumulated Other Comprehensive Loss [Member] | ASU 2016-01 [Member]
Stockholders Equity Note [Abstract]
Reclassification of net unrealized gains on equity securities from AOCI			$ (77)

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, OCI by Component, Anti-Dilutive Securities (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 7,860	$ 4,919
Net Income Available to Common Stockholders, Diluted	$ 7,860	$ 4,919
Weighted Average Common Shares, Basic (in shares)	5,196,812	5,141,364
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0
Weighted Average Common Shares, Diluted (in shares)	5,196,853	5,141,429
Earnings Per Share, Basic (in dollars per share)	$ 1.51	$ 0.96
Earnings Per Share, Diluted (in dollars per share)	$ 1.51	$ 0.96
Stock Options [Member]
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Related Party Transactions [Abstract]
Direct or indirect loans to principal shareholders, executive officers or directors, maximum	10.00%
Schedule of Annual activity [Roll Forward]
Balance, beginning of year	$ 4,012	$ 4,287
Additions	297	25
Reductions	(399)	(300)
Balance, end of year	3,910	4,012
Deposits from related parties	$ 18,200	$ 12,500

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Taxes [Abstract]
Effective income tax rate	21.00%		35.00%
Components of income tax expense [Abstract]
Current income tax expense	$ 728	$ 443
Deferred income tax expense (benefit)	352	(164)
Reported income tax expense	1,080	279
Reconciliation of expected federal income tax expense [Abstract]
Expected tax expense	1,877	1,092
Interest expense on tax-exempt assets	7	18
Low-income housing tax credit	(440)	(496)
Tax-exempt interest, net	(201)	(303)
Bank-owned life insurance	(164)	(164)
Other, net	1	132
Reported income tax expense	$ 1,080	$ 279
Effective Income Tax Rate Reconciliation [Abstract]
Effective tax rate	12.10%	5.40%
Deferred tax assets [Abstract]
Allowance for loan losses	$ 2,029	$ 2,123
Nonaccrual loans	17	112
Acquisition accounting	61	120
Other real estate owned	0	21
Net operating losses	677	712
Investments in pass-through entities	122	113
Bank owned life insurance benefit	64	59
Securities available-for-sale	21	573
Stock awards	67	55
Alternative minimum tax	0	292
Deferred compensation	347	236
Other	59	63
Total	3,464	4,479
Deferred tax liabilities [Abstract]
Premises and equipment	345	389
Acquisition accounting	76	86
Deferred loan fees and costs	117	181
Total	538	656
Net deferred tax assets	$ 2,926	$ 3,823

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)LetterofCredit	Dec. 31, 2018USD ($)
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 140,225	$ 147,237
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	62,267	61,014
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	15,637	12,165
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	62,321	74,058
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 7,724	$ 8,230
Standby Letters of Credit [Member]
Commitments to extend credit [Abstract]
Typical expiration period	1 year
Number of letters with expiration period greater than one year | LetterofCredit	2
Expiration date of letters with expiration period greater than one year	Dec. 31, 2023

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	$ 145,715
Loans, net of allowances for loan losses	738,205	$ 763,898
Loans held for sale	590	479
U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	7,003	12,328
Obligations of U.S. Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	33,604	10,714
Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	24,742	48,837
Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	71,908	71,191
Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	3,825	1,897
Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	145,715	148,247
Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	7,003	12,328
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	33,604	10,714
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	24,742	48,837
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	71,908	71,191
Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	3,825	1,897
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	4,633	3,280
Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,442	491
Loans held for sale	590	479
Other real estate owned		83
Nonrecurring [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other real estate owned		83
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,442	491
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	188
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,294
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	74
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		229
Nonrecurring [Member] | Commercial Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	0	0
Other real estate owned		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other real estate owned		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	590	479
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	145,715	148,247
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	7,003	12,328
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	33,604	10,714
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	24,742	48,837
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	71,908	71,191
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	3,825	1,897
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	4,633	3,280
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	590	479
Other real estate owned		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other real estate owned		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	734,932	749,848
Loans held for sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,442	491
Loans held for sale	0	0
Other real estate owned		83
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other real estate owned		83
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,442	491
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	188
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,294
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	74
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		$ 229
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	$ 0

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Market Comparables [Member] $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value	$ 74	$ 188
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0725	0.0725
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0400	0.0400
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value	$ 1,294
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0600
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.3500
Mortgage Loans on Real Estate [Member] | Construction [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value	$ 74	$ 74
Mortgage Loans on Real Estate [Member] | Construction [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0725	0.0725
Mortgage Loans on Real Estate [Member] | Construction [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0400	0.0400
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value		$ 229
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement		0.0725
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement		0.0400
Other Real Estate [Member] | Construction [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value		$ 83
Other Real Estate [Member] | Construction [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement		0.0725
Other Real Estate [Member] | Construction [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement		0.0400

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Value and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets [Abstract]
Cash and cash equivalents	$ 89,865	$ 42,217
Securities available-for-sale	145,715	148,247
Restricted securities	2,926	3,853
Loans held for sale	590	479
Loans, net of allowances for loan losses	738,205	763,898
Bank owned life insurance	27,547	26,763
Accrued interest receivable	2,762	3,095
Liabilities [Abstract]
Deposits	889,496	843,144
Overnight repurchase agreements	11,452	25,775
Federal Home Loan Bank advances	37,000	60,000
Other Borrowings	1,950	2,550
Accrued interest payable	620	594
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	89,865	42,217
Securities available-for-sale	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0	0
Other Borrowings	0	0
Accrued interest payable	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	145,715	148,247
Restricted securities	2,926	3,853
Loans held for sale	590	479
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	27,547	26,763
Accrued interest receivable	2,762	3,095
Liabilities [Abstract]
Deposits	893,584	843,818
Overnight repurchase agreements	11,452	25,775
Federal Home Loan Bank advances	36,747	59,975
Other Borrowings	2,250	2,550
Accrued interest payable	620	594
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net of allowances for loan losses	734,932	749,848
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0	0
Other Borrowings	0	0
Accrued interest payable	$ 0	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Common Equity Tier 1 Capital to Risk-Weighted Assets, Regulatory Minimums	4.50%	4.50%
Common Equity Tier 1 Capital to Risk-Weighted Assets, Ratio	11.73%	10.90%
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Tier 1 Capital to Risk-Weighted Assets, Regulatory Minimums	6.00%	6.00%
Tier 1 Capital to Risk-Weighted Assets, Ratio	11.73%	10.90%
Tier 1 Capital to Average Assets, Ratio [Abstract]
Tier 1 Leverage to Average Assets, Regulatory Minimums	4.00%	4.00%
Tier 1 Leverage to Average Assets, Ratio	9.73%	9.34%
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Total Capital to Risk-Weighted Assets, Regulatory Minimums	8.00%	8.00%
Total Capital to Risk-Weighted Assets, Ratio	12.86%	12.06%
Capital Conservation Buffer, Ratio [Abstract]
Capital Conservation Buffer, Regulatory Minimums	2.50%	1.875%
Capital Conservation Buffer, Ratio	4.86%	4.06%
Risk Weighted Assets	$ 863,905	$ 884,444
Amount available for dividend distribution without prior approval from regulatory agency	$ 8,600

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)SegmentArea	Dec. 31, 2018USD ($)
Revenues [Abstract]
Interest and dividend income	$ 40,241	$ 38,219
Total operating income	54,318	51,528
Expenses [Abstract]
Interest expense	6,422	4,969
Provision for loan losses	318	2,861
Salaries and employee benefits	24,024	22,580
Other expenses	14,614	15,920
Total operating expenses	45,378	46,330
Income before income taxes	8,940	5,198
Income tax expense (benefit)	1,080	279
Net income	7,860	4,919
Capital expenditures	1,782	478
Total assets	$ 1,054,488	1,038,183
Number of principal business segments | Segment	3
Number of geographical areas in which an entity operates | Area	1
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	$ 3,850	3,726
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	10,227	9,583
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	40,121	38,122
Total operating income	49,381	46,711
Expenses [Abstract]
Interest expense	6,310	4,870
Provision for loan losses	318	2,861
Salaries and employee benefits	20,405	19,150
Other expenses	13,508	14,078
Total operating expenses	40,541	40,959
Income before income taxes	8,840	5,752
Income tax expense (benefit)	1,054	256
Net income	7,786	5,496
Capital expenditures	1,756	478
Total assets	1,048,158	1,032,676
Operating Segments [Member] | Bank [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Bank [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	9,260	8,589
Operating Segments [Member] | Trust [Member]
Revenues [Abstract]
Interest and dividend income	120	95
Total operating income	4,998	4,847
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	3,142	2,977
Other expenses	1,015	1,086
Total operating expenses	4,157	4,063
Income before income taxes	841	784
Income tax expense (benefit)	181	166
Net income	660	618
Capital expenditures	26	0
Total assets	6,695	6,226
Operating Segments [Member] | Trust [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	3,850	3,726
Operating Segments [Member] | Trust [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	1,028	1,026
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	8,446	6,116
Total operating income	8,646	6,346
Expenses [Abstract]
Interest expense	112	99
Provision for loan losses	0	0
Salaries and employee benefits	477	453
Other expenses	352	1,018
Total operating expenses	941	1,570
Income before income taxes	7,705	4,776
Income tax expense (benefit)	(155)	(143)
Net income	7,860	4,919
Capital expenditures	0	0
Total assets	111,764	104,592
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	200	230
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(8,446)	(6,114)
Total operating income	(8,707)	(6,376)
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(261)	(262)
Total operating expenses	(261)	(262)
Income before income taxes	(8,446)	(6,114)
Income tax expense (benefit)	0	0
Net income	(8,446)	(6,114)
Capital expenditures	0	0
Total assets	(112,129)	(105,311)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (261)	$ (262)

Condensed Financial Statement_3

Condensed Financial Statements of Parent Company, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets [Abstract]
Cash and cash equivalents	$ 89,865	$ 42,217
Securities available-for-sale	145,715	148,247
OtherAssets	12,315	13,848
Total assets	1,054,488	1,038,183
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	1,950	2,550
Other liability	4,834	4,708
Common stock	25,901	25,853
Additional paid-in capital	20,959	20,698
Retained earnings	62,975	57,611
Accumulated other comprehensive loss	(79)	(2,156)
Total liabilities and stockholders' equity	1,054,488	1,038,183
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	1,399	1,352
Securities available-for-sale	0	0
Investment in common stock of subsidiaries	110,057	103,035
OtherAssets	308	205
Total assets	111,764	104,592
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	1,950	2,550
Other liability	58	36
Common stock	25,901	25,853
Additional paid-in capital	20,959	20,698
Retained earnings	62,975	57,611
Accumulated other comprehensive loss	(79)	(2,156)
Total liabilities and stockholders' equity	$ 111,764	$ 104,592

Condensed Financial Statement_4

Condensed Financial Statements of Parent Company, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income [Abstract]
Other income	$ 221	$ 253
Total interest and dividend income	40,241	38,219
Expenses [Abstract]
Salary and benefits	24,024	22,580
Legal expenses	2,311	2,296
Merger expenses	0	655
Other operating expenses	2,653	3,188
Total noninterest expense	38,638	38,500
Income before income taxes	8,940	5,198
Income tax benefit	1,080	279
Net income	7,860	4,919
Parent Company [Member]
Income [Abstract]
Dividends from subsidiary	3,500	2,500
Interest on investments	0	0
Other income	200	233
Total interest and dividend income	3,700	2,733
Expenses [Abstract]
Salary and benefits	477	453
Legal expenses	101	143
Service fees	200	166
Merger expenses	0	655
Other operating expenses	163	153
Total noninterest expense	941	1,570
Income before income taxes	2,759	1,163
Income tax benefit	(155)	(143)
Net income before equity in undistributed net income of subsidiaries	2,914	1,306
Equity in undistributed net income of subsidiaries	4,946	3,613
Net income	$ 7,860	$ 4,919

Condensed Financial Statement_5

Condensed Financial Statements of Parent Company, Statements of Cash Flows (Details) - USD ($) $ in Thousands	Apr. 01, 2018	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities [Abstract]
Net income		$ 7,860	$ 4,919
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Gain on sale of securities, net		(314)	(120)
Stock compensation expense		224	160
Increase in other assets		1,967	338
Net cash provided by operating activities		12,370	12,154
Cash flows from investing activities [Abstract]
Cash paid in acquisition	$ (3,164)	0	(3,164)
Cash acquired in acquisition		0	2,304
Net cash provided by investing activities		29,131	12,027
Cash flows from financing activities [Abstract]
Cash dividends paid on common stock		(2,496)	(2,262)
Net cash provided by (used in) financing activities		6,147	3,624
Net increase in cash and cash equivalents		47,648	27,805
Cash and cash equivalents at beginning of period		42,217	14,412
Cash and cash equivalents at end of period		89,865	42,217
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income		7,860	4,919
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed net income of subsidiaries		(4,946)	(3,613)
Gain on sale of securities, net		0	(30)
Stock compensation expense		12	11
Increase in other assets		110	(13)
Increase in other liabilities		22	18
Net cash provided by operating activities		3,058	1,292
Cash flows from investing activities [Abstract]
Proceeds from sale of investment securities		0	227
Cash paid in acquisition		0	(3,164)
Cash acquired in acquisition		0	2,304
Cash distributed to subsidiary		0	(2,304)
Net cash provided by investing activities		0	(2,937)
Cash flows from financing activities [Abstract]
Proceeds from sale of stock		85	87
Proceeds from borrowings		0	3,000
Repayment of borrowings		(600)	(450)
Cash dividends paid on common stock		(2,496)	(2,262)
Net cash provided by (used in) financing activities		(3,011)	375
Net increase in cash and cash equivalents		47	(1,270)
Cash and cash equivalents at beginning of period		1,352	2,622
Cash and cash equivalents at end of period		$ 1,399	$ 1,352