Old Point Financial (OPOF) 10-K 30 Mar 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Mar. 12, 2021	Jun. 30, 2020
Cover [Abstract]
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Current Fiscal Year End Date	--12-31
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Entity Address, State or Province	VA
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 59,071,073
Entity Common Stock, Shares Outstanding		5,225,295

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks		$ 21,799	$ 37,280
Interest-bearing due from banks		98,633	48,610
Federal funds sold		5	3,975
Cash and cash equivalents		120,437	89,865
Securities available-for-sale, at fair value		186,409	145,715
Restricted securities, at cost		1,367	2,926
Loans held for sale		14,413	590
Loans, net	[1]	826,759	738,205
Premises and equipment, net		33,613	35,312
Premises and equipment, held for sale		0	907
Bank-owned life insurance		28,386	27,547
Goodwill		1,650	1,650
Core deposit intangible, net		319	363
Other assets		12,838	11,408
Total assets		1,226,191	1,054,488
Deposits:
Noninterest-bearing deposits		360,602	262,558
Savings deposits		512,936	399,020
Time deposits		193,698	227,918
Total deposits		1,067,236	889,496
Overnight repurchase agreements		6,619	11,452
Federal Home Loan Bank advances		0	37,000
Federal Reserve Bank borrowings		28,550	0
Other borrowings		1,350	1,950
Accrued expenses and other liabilities		5,291	4,834
Total liabilities		1,109,046	944,732
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,224,019 and 5,200,038 shares outstanding (includes 29,576 and 19,933 of nonvested restricted stock, respectively)		25,972	25,901
Additional paid-in capital		21,245	20,959
Retained earnings		65,859	62,975
Accumulated other comprehensive income (loss), net		4,069	(79)
Total stockholders' equity		117,145	109,756
Total liabilities and stockholders' equity		$ 1,226,191	$ 1,054,488
[1]	Net deferred loan costs totaled $2.1 million and $557 thousand at December 31, 2020 and 2019, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2020	Dec. 31, 2019
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)	5,224,019	5,200,038
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)	29,576	19,933

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Interest and Dividend Income:
Loans, including fees	$ 36,012	$ 35,718
Due from banks	267	689
Federal funds sold	12	31
Securities:
Taxable	3,068	2,827
Tax-exempt	516	755
Dividends and interest on all other securities	134	221
Total interest and dividend income	40,009	40,241
Interest Expense:
Checking and savings deposits	1,080	1,136
Time deposits	3,337	3,845
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	150	132
Federal Home Loan Bank advances	725	1,309
Total interest expense	5,292	6,422
Net interest income	34,717	33,819
Provision for loan losses	1,000	318
Net interest income after provision for loan losses	33,717	33,501
Noninterest Income:
Bank-owned life insurance income	839	784
Mortgage banking income	1,781	884
Gain on sale of available-for-sale securities, net	264	314
Gain (loss) on sale of fixed assets	818	0
Total noninterest income	14,698	14,077
Noninterest Expense:
Salaries and employee benefits	25,512	24,024
Occupancy and equipment	4,852	5,628
Data processing	3,478	1,798
Customer development	381	552
Professional services	2,196	2,311
Employee professional development	658	791
Other taxes	661	592
ATM and other losses	871	291
Loss on extinguishment of borrowings	490	0
(Gain) on other real estate owned	(62)	(2)
Loss on sale of loans	99	0
Other operating expenses	3,369	2,653
Total noninterest expense	42,505	38,638
Income before income taxes	5,910	8,940
Income tax expense	521	1,080
Net income	$ 5,389	$ 7,860
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,216,237	5,196,812
Net income per share of common stock (in dollars per share)	$ 1.03	$ 1.51
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,216,441	5,196,853
Net income per share of common stock (in dollars per share)	$ 1.03	$ 1.51
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 3,877	$ 3,850
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	2,872	4,085
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	4,028	3,925
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 219	$ 235

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 5,389	$ 7,860
Other comprehensive income, net of tax
Net unrealized gain on available-for-sale securities	4,357	2,325
Reclassification for gain included in net income	(209)	(248)
Other comprehensive income, net of tax	4,148	2,077
Comprehensive income	$ 9,537	$ 9,937

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 Income (Loss) [Member]	Total
Beginning Balance at Dec. 31, 2018	$ 25,853	$ 20,698	$ 57,611	$ (2,156)	$ 102,006
Beginning Balance (in shares) at Dec. 31, 2018	5,170,600
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	7,860	0	7,860
Other comprehensive income, 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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	5,389	0	$ 5,389
Other comprehensive income, net of tax	0	0	0	4,148	4,148
Employee Stock Purchase Plan share issuance	$ 29	67	0	0	96
Employee Stock Purchase Plan share issuance (in shares)	5,819
Restricted stock vested	$ 42	(42)	0	0	0
Restricted stock vested (in shares)	8,519
Stock-based compensation expense	$ 0	261	0	0	261
Cash dividends	0	0	(2,505)	0	(2,505)
Ending Balance at Dec. 31, 2020	$ 25,972	$ 21,245	$ 65,859	$ 4,069	$ 117,145
Ending Balance (in shares) at Dec. 31, 2020	5,194,443				5,224,019

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.48	$ 0.48

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 5,389	$ 7,860
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization	2,145	2,220
Amortization of right of use lease asset	380	319
Accretion related to acquisition, net	(176)	(239)
Provision for loan losses	1,000	318
Gain on sale of securities, net	(264)	(314)
Net amortization of securities	627	1,103
(Increase) in loans held for sale, net	(13,823)	(111)
Net (gain) loss on disposal of premises and equipment	(818)	82
Net gain on write-down/sale of other real estate owned	(62)	(2)
Income from bank owned life insurance	(839)	(784)
Stock compensation expense	261	224
Deferred tax benefit	(634)	352
(Decrease) increase in other assets	(966)	1,967
Decrease in accrued expenses and other liabilities	(855)	(625)
Net cash (used in) provided by operating activities	(8,635)	12,370
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(73,057)	(103,036)
Proceeds from redemption restricted securities, net	1,559	927
Proceeds from maturities and calls of available-for-sale securities	10,747	29,725
Proceeds from sales of available-for-sale securities	13,944	65,699
Paydowns on available-for-sale securities	12,559	11,984
Net (increase) decrease in loans held for investment	(89,588)	25,529
Proceeds from sales of other real estate owned	316	85
Purchases of premises and equipment	(924)	(1,782)
Proceeds from sale of premises and equipment	2,203	0
Net cash (used in) provided by investing activities	(122,241)	29,131
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	98,044	16,293
Increase in savings deposits	113,916	31,105
Decrease in time deposits	(34,220)	(917)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(5,433)	(14,923)
Increase in Federal Home Loan Bank advances	25,000	10,000
Repayment of Federal Home Loan Bank advances	(62,000)	(33,000)
Increase in Federal Reserve Bank borrowings	37,515	0
Repayment of Federal Reserve Bank borrowings	(8,965)	0
Proceeds from ESPP issuance	96	85
Cash dividends paid on common stock	(2,505)	(2,496)
Net cash provided by financing activities	161,448	6,147
Net increase in cash and cash equivalents	30,572	47,648
Cash and cash equivalents at beginning of period	89,865	42,217
Cash and cash equivalents at end of period	120,437	89,865
Cash payments for:
Interest	5,528	6,396
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain on securities available-for-sale	5,250	2,629
Loans transferred to other real estate owned	254	0
Former bank property transferred from fixed assets to held for sale assets	0	906
Right of use lease asset and liability	$ 1,312	$ 751

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
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, 2020, the Bank had 16 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. BASIS OF PRESENTATION 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 and disclosure of contingent assets and liabilities as of the date of the consolidated balance sheets 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 and evaluation of goodwill for impairment. The COVID-19 pandemic has caused a significant disruption in economic activity worldwide, including in market areas served by the Company. Estimates for the allowance for loan losses at December 31, 2020 include probable and estimable losses related to the pandemic. The Company expects that the pandemic will continue to have an effect on its results of operations. If economic conditions deteriorate further, then additional provision for loan losses may be required in future periods. It is unknown how long these conditions will last and what the ultimate financial impact will be to the Company. Depending on the severity and duration of the economic consequences of the pandemic, the Company’s goodwill may become impaired. 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 3. The types of lending that the Company engages in are included in Note 4. 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, 2020 and 2019, there were $383.4 million and $344.1 million, or 45.84% and 46.01%, 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 3 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. The Bank is typically required to maintain cash reserve balances on hand or with the Federal Reserve Bank (FRB). At December 31, 2020, there was no minimum reserve requirement as a result of a rule adopted by the FRB in March 2020 eliminating the reserve requirement. 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 accumulated other comprehensive income (loss). 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. 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. 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, real estate commercial loans, and real estate mortgage loans (i.e., residential 1-4 family mortgages, 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. PAYCHECK PROTECTION PROGRAM Beginning in April 2020, the Company originated loans under the Paycheck Protection Program (PPP) of the Small Business Administration (SBA). PPP loans are fully guaranteed by the SBA, and in some cases borrowers may be eligible to obtain forgiveness of the loans, in which case loans would be repaid by the SBA. As repayment of the PPP loans is guaranteed by the SBA, the Company does not recognize a reserve for PPP loans in its allowance for loan losses. The Company received fees from the SBA of one percent to five percent of the principal amount of each loan originated under the PPP. Fees received from the SBA are recognized net of direct origination costs in interest income over the life of the related loans. Recognition of fees related to PPP loans is dependent upon the timing of ultimate repayment or forgiveness. Aggregate fees from the SBA of $2.83 million, net of direct costs, will be recognized in interest income over the life of the loans, of which $2.01 million remains unrecognized as of December 31, 2020. In 2020, the Company recognized $813 thousand in net loan fees related to PPP loans in interest income on loans in the Consolidated Statement of Income. 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 ALLL 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. • Real estate-commercial: 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, 2020 and 2019 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 (including uncertainties associated with the COVID-19 pandemic), trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. Given the timing of the outbreak in the United States of the COVID-19 pandemic, management does not believe that the Company’s performance in relation to credit quality during 2020 was significantly impacted. The COVID-19 pandemic represents an unprecedented challenge to the global economy in general and the financial services sector in particular. However, there is still significant uncertainty regarding the overall length of the pandemic and the aggregate impact that it will have on global and regional economies, including uncertainties regarding the potential positive effects of governmental actions taken in response to the pandemic. With so much uncertainty, it is impossible for the Company to accurately predict the impact that the pandemic will have on the Company’s primary market and the overall extent to which it will affect the Company’s financial condition and results of operations. The Company’s credit administration is closely monitoring and analyzing the higher risk segments within the loan portfolio, tracking loan payment deferrals, customer liquidity and providing timely reports to senior management and the Board of Directors. Based on capital levels, stress testing indications, prudent underwriting policies, watch credit processes, and loan concentration diversification, the Company currently expects to be able to manage the economic risks and uncertainties associated with the pandemic which may include additional increases in the provision for loan losses. 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 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. The Company has accommodated certain borrowers affected by the COVID-19 pandemic by granting short-term payment deferrals or periods of interest-only payments, including loans that remain in deferral as of December 31, 2020, with an aggregate balance of $7.4 million. Generally, a short-term payment deferral does not result in a loan modification being classified as a TDR. Additionally, the Coronavirus Aid, Relief and Economic Security Act (CARES Act), enacted on March 27, 2020, and as subsequently amended by the Consolidated Appropriations Act 2021, provided that certain loan modifications that were (1) related to COVID-19 and (2) for loans that were not more than 30 days past due as of December 31, 2019 are not required to be designated as TDRs. This relief is available to loan modified between March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency and January 1, 2022. Additional information on loan modifications related to COVID-19 is presented in Note 4. 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 2020 or 2019. 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. Nonvested restricted stock shares are included in the calculation of basic earnings per share due to their rights to voting and dividends. 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 2020 and 2019 was $230 thousand and $207 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 which is also recognized a separate component 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 16. Fair va

Restrictions on Cash and Amount

Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2020
Restrictions on Cash and Amounts Due from Banks [Abstract]
Restrictions on Cash and Amounts Due from Banks	NOTE 2, 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, 2020 and 2019, the Company had no balance requirements on any of its accounts. The Company had approximately $9.8 million and $23.8 million in deposits in financial institutions in excess of amounts insured by the FDIC at December 31, 2020 and December 31, 2019, respectively.

Securities Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2020
Securities Portfolio [Abstract]
Securities Portfolio	NOTE 3, Securities Portfolio The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: December 31, 2020 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 6,980 $ 63 $ - $ 7,043 Obligations of U.S. Government agencies 36,858 35 (197 ) 36,696 Obligations of state and policitcal subdivisions 43,517 2,478 - 45,995 Mortgage-backed securities 70,866 2,759 (124 ) 73,501 Money market investments 4,743 - - 4,743 Corporate bonds and other securities 18,295 158 (22 ) 18,431 $ 181,259 $ 5,493 $ (343 ) $ 186,409 December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) 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 Securities with a fair value of $69.4 million and $74.0 million at December 31, 2020 and 2019, 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, 2020, 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, 2020 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 7,080 $ 7,145 Due after one year through five years 4,430 4,617 Due after five through ten years 45,981 47,665 Due after ten years 119,025 122,239 Other securities, restricted 4,743 4,743 $ 181,259 $ 186,409 The following table provides information about securities sold in the years ended December 31: Year Ended December 31, (Dollars in thousands) 2020 2019 Securities Available-for-sale Realized gains on sales of securities $ 265 $ 575 Realized losses on sales of securities (1 ) (261 ) Net realized gain $ 264 $ 314 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 through income on securities for the years ended December 31, 2020 and 2019. 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, 2020 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value Securities Obligations of U.S. Government agencies $ 8 $ 2,810 $ 189 $ 17,191 $ 197 $ 20,001 15 Mortgage-backed securities 118 14,291 6 1,285 124 15,576 7 Corporate bonds and other securities 22 5,977 - - 22 5,977 7 Total securities available-for-sale $ 148 $ 23,078 $ 195 $ 18,476 $ 343 $ 41,554 29 December 31, 2019 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value 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 Certain investments within the Company’s portfolio had unrealized losses at December 31, 2020 and December 31, 2019, 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, 2020 or December 31, 2019. As of December 31, 2020, there were 12 individual available-for-sale securities with a total fair value of $18.5 million that had been in a continuous loss position for more than 12 months. These securities had an unrealized loss of $195 thousand and consisted of government agency obligations and mortgage-backed securities. 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. The Company has determined that these securities are temporarily impaired at December 31, 2020 and 2019 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, 2020
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	NOTE 4, 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, 2020 December 31, 2019 Mortgage loans on real estate: Residential 1-4 family $ 122,800 $ 118,561 Commercial - owner occupied 153,955 141,743 Commercial - non-owner occupied 162,896 135,798 Multifamily 22,812 25,865 Construction 43,732 40,716 Second mortgages 11,178 13,941 Equity lines of credit 50,746 52,286 Total mortgage loans on real estate 568,119 528,910 Commercial and industrial loans 141,746 75,383 Consumer automobile loans 80,390 97,294 Other consumer loans 37,978 39,713 Other (1) 8,067 6,565 Total loans, net of deferred fees 836,300 747,865 Less: Allowance for loan losses 9,541 9,660 Loans, net of allowance and deferred fees (2) $ 826,759 $ 738,205 (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 $271 thousand and $449 thousand at December 31, 2020 and 2019, respectively. (2) Net deferred loan costs totaled $2.1 million and $557 thousand at December 31, 2020 and 2019, 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, 2020 December 31, 2019 Outstanding principal balance $ 8,671 $ 16,850 Carrying amount 8,602 16,561 The outstanding principal balance and related carrying amount of purchased credit impaired loans, for which the Company applies FASB ASC 310-30 to account for interest earned are as follows: (dollars in thousands) December 31, 2020 December 31, 2019 Outstanding principal balance $ - $ 227 Carrying amount - 85 The following table presents changes in the accretable yield on purchased credit impaired loans, for which the Company applies FASB ASC 310-30: (dollars in thousands) December 31, 2020 December 31, 2019 Balance at January 1 $ 72 $ 12 Accretion (156 ) (27 ) Reclassification from nonaccretable difference - 125 Other changes, net 84 (38 ) Balance at end of period $ - $ 72 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, 2020 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 122,621 $ - $ 179 $ - $ 122,800 Commercial - owner occupied 148,738 2,462 2,755 - 153,955 Commercial - non-owner occupied 162,148 748 - - 162,896 Multifamily 22,812 - - - 22,812 Construction 42,734 998 - - 43,732 Second mortgages 11,178 - - - 11,178 Equity lines of credit 50,746 - - - 50,746 Total mortgage loans on real estate $ 560,977 $ 4,208 $ 2,934 $ - $ 568,119 Commercial and industrial loans 141,391 355 - - 141,746 Consumer automobile loans 79,997 - 393 - 80,390 Other consumer loans 37,978 - - - 37,978 Other 8,067 - - - 8,067 Total $ 828,410 $ 4,563 $ 3,327 $ - $ 836,300 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 As of December 31, 2020 and 2019 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, 2020 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing PCI Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 478 $ 164 $ - $ - $ 311 $ 121,847 $ 122,800 Commercial - owner occupied - - - - 903 153,052 153,955 Commercial - non-owner occupied - - - - - 162,896 162,896 Multifamily - - - - - 22,812 22,812 Construction - 88 - - - 43,644 43,732 Second mortgages 41 - - - - 11,137 11,178 Equity lines of credit - - - - - 50,746 50,746 Total mortgage loans on real estate $ 519 $ 252 $ - $ - $ 1,214 $ 566,134 $ 568,119 Commercial and industrial loans 753 - - - - 140,993 141,746 Consumer automobile loans 1,159 190 196 - - 78,845 80,390 Other consumer loans 1,120 555 548 - - 35,755 37,978 Other 24 3 - - - 8,040 8,067 Total $ 3,575 $ 1,000 $ 744 $ - $ 1,214 $ 829,767 $ 836,300 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. (2) For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccural column and not also in its respective past due column. In the table above, the past due totals include student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $1.2 million at December 31, 2020. 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 (2) Total Current Loans (1) Total 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. (2) For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccural column and not also in its respective past due column. 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. 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: (dollars in thousands) December 31, 2020 December 31, 2019 Mortgage loans on real estate: Residential 1-4 family $ 311 $ 1,459 Commercial - owner occupied 903 2,795 Commercial - non-owner occupied - 1,422 Second mortgages - 104 Total mortgage loans on real estate $ 1,214 $ 5,780 Commercial and industrial loans - 257 Total $ 1,214 $ 6,037 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) 2020 2019 Interest income that would have been recorded under original loan terms $ 45 $ 283 Actual interest income recorded for the period 34 115 Reduction in interest income on nonaccrual loans $ 11 $ 168 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. There were three TDRs in 2020; however as of December 31, 2020, two were sold and the remaining credit was determined to no longer be classified as a TDR because the borrower was not in financial distress. The following table presents TDRs during the period 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, 2020 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 In 2019, the loans restructured were granted terms that the Company would not otherwise extend to borrowers with similar risk characteristics. At December 31, 2020 and 2019, the Company had no outstanding commitments to disburse additional funds on any TDR. There were no loans secured by residential 1 - 4 family real estate that were in the process of foreclosure at December 31, 2020. At December 31, 2019, the Company had $272 thousand in loans secured by residential 1 - 4 family real estate that were in the process of foreclosure. In the years ended December 31, 2020 and 2019 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. Under Section 4013 of the CARES Act, as amended by the Consolidated Appropriations Act 2021, banks may elect not to categorize loan modifications as TDRs if the modifications are related to the COVID-19 pandemic, executed on a loan that was not more than 30 days past due as of December 31, 2019, and executed between March 1, 2020 and the earlier of 60 days after the date of termination of the National Emergency by the President and January 1, 2022. All short term loan modifications made on a good faith basis in response to the COVID-19 pandemic to borrowers who were current prior to any relief are not considered TDRs. The Company has examined the payment accommodations granted to borrowers in response to COVID-19 and found that all borrowers were current prior to relief and were not experiencing financial difficulty prior to the COVID-19 pandemic. As of December 31, 2020, the Company had loan modifications on $7.4 million, or 0.9%, of the loan portfolio, granting primarily 60- or 90- day principal and interest payment deferrals. Loan modifications under the CARES Act are being monitored for indications of credit softening, at which time the credit will be analyzed under current underwriting standards for appropriate action and designation. The Company recognizes interest income as earned and management expects that the deferred interest will be repaid by the borrower in a future period. 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 For the Year Ended As of December 31, 2020 December 31, 2020 (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 $ 474 $ 366 $ 87 $ 1 $ 458 $ 10 Commercial 3,490 1,306 121 1 2,559 46 Construction 83 - 83 - 84 5 Second mortgages 133 - 133 9 134 5 Total mortgage loans on real estate 4,180 1,672 424 11 3,235 66 Commercial and industrial loans 6 6 - - 7 - Other consumer loans 14 14 - - 15 1 Total $ 4,200 $ 1,692 $ 424 $ 11 $ 3,257 $ 67 For the Year Ended As of December 31, 2019 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 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 (including uncertainties associated with the COVID-19 pandemic), 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. Given the timing of the outbreak in the United States of the COVID-19 pandemic combined with government stimulus actions for both individuals and small businesses, management does not believe that the Company’s performance in relation to credit quality during 2020 was significantly impacted. The COVID-19 pandemic represents an unprecedented challenge to the global economy in general and the financial services sector in particular. However, there is still significant uncertainty regarding the overall length of the pandemic and the aggregate impact that it will have on global and regional economies, including uncertainties regarding the potential positive effects of governmental actions taken in response to the pandemic. With so much uncertainty, it is impossible for the Company to accurately predict the impact that the pandemic will have on the Company’s primary market and the overall extent to which it will affect the Company’s financial condition and results of operations. The Company’s credit administration is closely monitoring and analyzing the higher risk segments within the loan portfolio, tracking loan payment deferrals, customer liquidity and providing timely reports to senior management and the Board of Directors. Based on capital levels, stress testing indications, prudent underwriting policies, watch credit processes, and loan concentration diversification, the Company currently expects to be able to manage the economic risks and uncertainties associated with the pandemic which may include additional increases in the provision for loan losses. 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, 2020 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for loan losses: Balance, beginning $ 1,244 $ 258 $ 2,505 $ 3,663 $ 1,694 $ 296 $ - $ 9,660 Charge-offs (25 ) - (149 ) (654 ) (822 ) (355 ) - (2,005 ) Recoveries 47 10 69 317 377 66 - 886 Provision for loan losses (616 ) 71 135 1,108 53 116 133 1,000 Ending Balance $ 650 $ 339 $ 2,560 $ 4,434 $ 1,302 $ 123 $ 133 $ 9,541 Individually evaluated for impairment $ - $ - $ 10 $ 1 $ - $ - $ - $ 11 Collectively evaluated for impairment 650 339 2,550 4,433 1,302 123 133 9,530 Purchased credit-impaired loans - - - - - - - Ending Balance $ 650 $ 339 $ 2,560 $ 4,434 $ 1,302 $ 123 $ 133 $ 9,541 Loans Balances: Individually evaluated for impairment 6 83 586 1,427 14 - - 2,116 Collectively evaluated for impairment 141,740 43,649 206,950 315,424 118,354 8,067 - 834,184 Purchased credit-impaired loans - - - - - - - Ending Balance $ 141,746 $ 43,732 $ 207,536 $ 316,851 $ 118,368 $ 8,067 $ - $ 836,300 For the Year ended December 31, 2019 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for loan losses: Balance, beginning $ 2,340 $ 156 $ 2,497 $ 3,459 $ 1,354 $ 305 $ - $ 10,111 Charge-offs - - (170 ) (27 ) (776 ) (425 ) - (1,398 ) Recoveries 10 - 113 87 351 68 - 629 Provision for loan losses (1,106 ) 102 65 144 765 348 - 318 Ending Balance $ 1,244 $ 258 $ 2,505 $ 3,663 $ 1,694 $ 296 $ - $ 9,660 Individually evaluated for impairment $ - $ 14 $ 150 $ 317 $ - $ - $ - $ 481 Collectively evaluated for impairment 1,244 244 2,355 3,346 1,694 296 - 9,179 Purchased credit-impaired loans - - - - - - - Ending Balance $ 1,244 $ 258 $ 2,505 $ 3,663 $ 1,694 $ 296 $ - $ 9,660 Loans Balances: Individually evaluated for impairment 354 88 1,853 6,149 - - - 8,444 Collectively evaluated for impairment 74,944 40,628 208,800 271,392 137,007 6,565 - 739,336 Purchased credit-impaired loans 85 - - - - - 85 Ending Balance $ 75,383 $ 40,716 $ 210,653 $ 277,541 $ 137,007 $ 6,565 $ - $ 747,865 (1) The real estate – mortgage segment included residential 1-4 family, 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, 2020
Other Real Estate Owned (OREO) [Abstract]
Other Real Estate Owned (OREO)	NOTE 5, 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) 2020 2019 Balance at beginning of year $ - $ 83 Transfers to OREO due to foreclosure 254 - Properties sold (254 ) (83 ) Balance at end of year $ - $ - 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) 2020 2019 Net gain on sales of real estate $ 62 $ 2 Operating expenses, net of income (1) (20 ) (2 ) Total Income $ 42 $ - (1) Included in other operating income and other operating expense on the Consolidated Statements of Income

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2020
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 6, Premises and Equipment Premises and equipment consisted of the following at December 31: Years Ended December 31, (dollars in thousands) 2020 2019 Land $ 7,709 $ 8,001 Buildings 37,530 37,900 Construction in process 239 958 Leashold improvements 867 861 Furniture, fixtures and equipment 21,235 19,748 67,580 67,468 Less accumulated depreciation and amortization 33,967 32,156 Balance at end of year $ 33,613 $ 35,312 Depreciation expense for the years ended December 31, 2020 and 2019 amounted to $2.1 million and $2.2 million, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Leases	NOTE 7. 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 2019 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. During 2020, the Company executed three new leases and extend two existing leases resulting in recognition of additional right-of-use asset and lease liability of $1.3 million. 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, 2020 Lease liabilities $ 1,378 Right-of-use assets $ 1,364 Weighted average remaining lease term 4.59 years Weighted average discount rate 1.76 % Years Ended December 31, Lease cost 2020 2019 Operating lease cost $ 380 $ 336 Total lease cost $ 380 $ 336 Cash paid for amounts included in the measurement of lease liabilities $ 377 $ 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: As of Lease payments due December 31, 2020 Twelve months ending December 31, 2021 $ 352 Twelve months ending December 31, 2022 339 Twelve months ending December 31, 2023 248 Thereafter 549 Total undiscounted cash flows $ 1,488 Discount (110 ) Lease liabilities $ 1,378 The aggregate rental expense of premises and equipment was $415 thousand and $361 thousand for years ended December 31, 2020 and 2019, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2020
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	NOTE 8, Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both December 31, 2020 and December 31, 2019. 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 $2.3 million and $3.0 million at December 31, 2020 and December 31, 2019, respectively. The expected terms of these investments and the related tax benefits run through 2033. Additional committed capital calls expected for the funds totaled $18 thousand and $50 thousand at December 31, 2020 and December 31, 2019, respectively, and are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheets. During the years ended December 31, 2020 and 2019, the Company recognized amortization expense of $688 thousand and $216 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, 2020 2019 Tax credits and other benefits Amortization of operating losses $ 688 $ 216 Tax benefit of operating losses* 144 45 Tax credits 419 441 Total tax benefits $ 563 $ 486 * Computed using a 21% tax rate.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Deposits	NOTE 9, Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2020 and 2019 was $45.4 million and $45.3 million, respectively. As of December 31, 2020, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2020 the scheduled maturities of time deposits (in thousands) are as follows: (dollars in thousands) 2021 $ 111,557 2022 40,569 2023 24,824 2024 9,169 2025 7,579 Balance at end of year $ 193,698

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2020
Borrowings [Abstract]
Borrowings	NOTE 10, 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, 2020 and 2019 the remaining credit available from these lines totaled $100 million and $55.0 million, respectively. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $374.7 million and $276.3 million as of December 31, 2020 and December 31, 2019, respectively. The following table presents total short-term borrowings as of the dates indicated (dollars in thousands): (dollar in thousands) December 31, 2020 December 31, 2019 Overnight repurchase agreements $ 6,619 $ 11,452 Federal Home Loan Bank advances - - Total short-term borrowings $ 6,619 $ 11,452 Maximum month-end outstanding balance $ 9,080 $ 38,138 Average outstanding balance during the period $ 21,092 $ 27,382 Average interest rate (year-to-date) 0.19 % 0.71 % Average interest rate at end of period 0.10 % 0.10 % Long-Term Borrowings At December 31, 2020, the Company had prepaid all FHLB advances. The Company did have $28.6 million outstanding in long-term FRB borrowings under PPPLF at December 31, 2020 which all mature in April, 2022 and carry an interest rate of 0.35%. 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 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, 2020, the outstanding balance was $1.4 million, and the then-current interest rate was 2.61%. At December 31, 2019 the outstanding balance was $2.0 million, and the then-current interest rate was 4.20%. The loan agreement with the lender contains financial covenants including minimum return on average asset 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 other than minimum return on average asset ratio at December 31, 2020 and as such, elected to pay the loan in full in early 2021.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2020
Share-Based Compensation [Abstract]
Share-Based Compensation	NOTE 11, 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, 2020, only restricted stock had been granted under the Incentive Stock Plan. Restricted stock activity for the year ended December 31, 2020 is summarized below. Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2020 19,933 $ 22.70 Issued 18,903 15.75 Vested (8,519 ) 22.10 Forfeited (741 ) 21.68 Nonvested, Deceember 31, 2020 29,576 $ 18.46 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 2.22 years. The fair value of restricted stock granted during the year ended December 31, 2020 and 2019 was $298 thousand and $361 thousand, respectively. The remaining unrecognized compensation expense for the shares granted during the year ended December 31, 2020 totaled $176 thousand as of December 31, 2020. For shares granted during the year ended December 31, 2019, the remaining compensation expense totaled $71 thousand as of December 31, 2020. Stock-based compensation expense was $261 thousand and $224 thousand for the years ended December 31, 2020 and 2019, 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 2020 and 2019 was set at 5%. Total stock purchases under the ESPP amounted to 5,819 shares during 2020 and 3,666 shares during 2019. At December 31, 2020, the Company had 232,451 remaining shares reserved for issuance under the ESPP.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2020
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	NOTE 12, Stockholders’ Equity and Earnings per Common Share STOCKHOLDERS’ EQUITY—ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: (dollars in thousands) Years Ended December 31, Affected Line Item on 2020 2019 Consolidated Statement of Income Available-for-sale securities Realized gains (losses) on sales of securities $ 264 $ 314 Gain on sale of available-for-sale securities, net Tax effect 55 66 Income tax expense $ 209 $ 248 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 Income (Loss) Year Ended December 31, 2020 Balance at beginning of period $ (79 ) $ (79 ) Net other comprehensive income 4,148 4,148 Balance at end of period $ 4,069 $ 4,069 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 ) The following table presents the change in each component of accumulated other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2020 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 5,514 $ 1,157 $ 4,357 Reclassification adjustment for gains recognized in income (264 ) (55 ) (209 ) Total change in accumulated other comprehensive income, net $ 5,250 $ 1,102 $ 4,148 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 EARNINGS PER COMMON SHARE Basic EPS is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted EPS 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 ESPP. The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2020 and 2019: (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, 2020 Net income, basic $ 5,389 5,216 $ 1.03 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 5,389 5,216 $ 1.03 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 The Company had no antidilutive shares in 2020 or 2019. 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, 2020
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 13, 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, 2020. Annual activity consisted of the following: (dollars in thousands) 2020 2019 Balance, beginning of year $ 3,910 $ 4,012 Additions 3,531 297 Reductions (3,221 ) (399 ) Balance, end of year $ 4,220 $ 3,910 Deposits from related parties held by the Company at December 31, 2020 and 2019 amounted to $17.2 million and $18.2 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
Income Taxes [Abstract]
Income Taxes	NOTE 14, Income Taxes The components of income tax expense for the current and prior year-ends are as follows: (dollars in thousands) 2020 2019 Current income tax expense $ 1,155 $ 728 Deferred income tax expense (benefit) (634 ) 352 Reported income tax expense $ 521 $ 1,080 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) 2020 2019 Expected tax expense $ 1,241 $ 1,877 Interest expense on tax-exempt assets 5 7 Low-income housing tax credit (413 ) (440 ) Tax-exempt interest, net (147 ) (201 ) Bank-owned life insurance (176 ) (164 ) Other, net 11 1 Reported tax expense $ 521 $ 1,080 The effective tax rates for 2020 and 2019 were 8.8% and 12.1%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2020 2019 Deferred tax assets: Allowance for loan losses $ 2,017 $ 2,029 Nonaccrual loans 9 17 Acquisition accounting 14 61 Net operating losses 643 677 Investments in pass-through entities 224 122 Bank owned life insurance benefit 68 64 Securities available-for-sale - 21 Stock awards 97 67 Deferred compensation 397 347 Deferred loan fees and costs 443 - Other 55 59 $ 3,967 $ 3,464 Deferred tax liabilities: Premises and equipment $ 363 $ 345 Acquisition accounting 67 76 Deferred loan fees and costs - 117 Securities available-for-sale 1,081 - 1,511 538 Net deferred tax assets $ 2,456 $ 2,926 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 2017.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies [Abstract]
Commitments and Contingencies	NOTE 15, 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) 2020 2019 Commitments to extend credit: Home equity lines of credit $ 66,999 $ 62,267 Commercial real estate, construction and development loans committed but not funded 20,258 15,637 Other lines of credit (principally commercial) 64,329 62,321 Total $ 151,586 $ 140,225 Letters of credit $ 4,841 $ 7,724 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 one letter of credit which expires in 2022, and 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, 2020
Fair Value Measurements [Abstract]
Fair Value Measurements	NOTE 16, 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 No. 2010-06 and FASB ASU No. 2011-04, and FASB ASU No. 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 tables present the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2020 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance Available-for-sale securities U.S. Treasury securities $ 7,043 $ - $ 7,043 $ - Obligations of U.S. Government agencies 36,696 - 36,696 - Obligations of state and political subdivisions 45,995 - 45,995 - Mortgage-backed securities 73,501 - 73,501 - Money market investments 4,743 - 4,743 - Corporate bonds and other securities 18,431 - 18,431 - Total available-for-sale securities $ 186,409 $ - $ 186,409 $ - Fair Value Measurements at December 31, 2019 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance 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 $ - 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 Income. 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 Income. 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, 2020 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Loans Loans held for sale $ 14,413 $ - $ 14,413 $ - Carrying Value at December 31, 2019 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs 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 Total $ 1,442 $ - $ - $ 1,442 Loans Loans held for sale $ 590 $ - $ 590 $ - The Company did not have any Level 3 Fair Value Measurements at December 31, 2020. The following table displays quantitative information about Level 3 Fair Value Measurements as of December 31, 2019: 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 % 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, 2020 and December 31, 2019. 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, 2020 and 2019 are estimated under the exit price notion in accordance with ASU No. 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, 2020 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Carrying Value Assets Cash and cash equivalents $ 120,437 $ 120,437 $ - $ - Securities available-for-sale 186,409 - 186,409 - Restricted securities 1,367 - 1,367 - Loans held for sale 14,413 - 14,413 - Loans, net of allowances for loan losses 826,759 - - 825,963 Bank owned life insurance 28,386 - 28,386 - Accrued interest receivable 3,613 - 3,613 - Liabilities Deposits $ 1,067,236 $ - $ 1,070,236 $ - Overnight repurchase agreements 6,619 - 6,619 - Federal Reserve Bank borrowings 28,550 - 28,550 - Other borrowings 1,350 - 1,350 - Accrued interest payable 384 - 384 - Fair Value Measurements at December 31, 2019 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Carrying Value 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 - 1,950 - Accrued interest payable 620 - 620 -

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2020
Regulatory Matters [Abstract]
Regulatory Matters	NOTE 17, 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. Federal banking regulations also impose regulatory capital requirements on bank holding companies. Under the small bank holding company policy statement of the FRB, which applies to certain bank holding companies with consolidated total assets of less than $3 billion, the Company is not subject to regulatory capital requirements. 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, 2020 and 2019, that the Company and the Bank meet all capital adequacy requirements to which they are subject. On September 17, 2019 the FDIC finalized a rule that introduced an optional simplified measure of capital adequacy for qualifying community banking organizations, CBLRF as required by the EGRRCPA. The CBLRF is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework. In order to qualify for the CBLR framework, a community banking organization must have a Tier 1 leverage ratio of greater than 9%, less than $10 billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. The CBLRF was available for banks to begin using in their March 31, 2020, Call Report. The Bank did not opt into the CBLR framework. As of December 31, 2020, 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, 2020 and 2019 are presented in the table below. 2020 2019 Regulatory Regulatory Minimums December 31, 2020 Minimums December 31, 2019 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 11.69 % 4.500 % 11.73 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 11.69 % 6.000 % 11.73 % Tier 1 Leverage to Average Assets 4.000 % 8.56 % 4.000 % 9.73 % Total Capital to Risk-Weighted Assets 8.000 % 12.77 % 8.000 % 12.86 % Capital Conservation Buffer 2.500 % 4.77 % 2.500 % 4.86 % Risk-Weighted Assets (in thousands) $ 890,091 $ 863,905 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 2021, without approval of the Comptroller, $7.6 million plus an additional amount equal to the Bank’s and Trust’s retained net profits for 2021 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2020
Segment Reporting [Abstract]
Segment Reporting	NOTE 18, Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, the Trust, and the Company (for purposes of this Note). 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’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, 2020 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 39,966 $ 43 $ 6,069 $ (6,069 ) $ 40,009 Income from fiduciary activities - 3,877 - - 3,877 Other income 9,899 983 200 (261 ) 10,821 Total operating income 49,865 4,903 6,269 (6,330 ) 54,707 Expenses Interest expense 5,237 - 55 - 5,292 Provision for loan losses 1,000 - - - 1,000 Salaries and employee benefits 21,652 3,191 669 - 25,512 Other expenses 15,840 1,078 336 (261 ) 16,993 Total operating expenses 43,729 4,269 1,060 (261 ) 48,797 Income before taxes 6,136 634 5,209 (6,069 ) 5,910 Income tax expense (benefit) 565 136 (180 ) - 521 Net income $ 5,571 $ 498 $ 5,389 $ (6,069 ) $ 5,389 Capital expenditures $ 901 $ 23 $ - $ - $ 924 Total assets $ 1,218,766 $ 6,957 $ 118,558 $ (118,090 ) $ 1,226,191 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 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, 2020
Condensed Financial Statements of Parent Company [Abstract]
Condensed Financial Statements of Parent Company	NOTE 19, 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) 2020 2019 Assets Cash and cash equivalents $ 1,203 $ 1,399 Securities available-for-sale - - Investment in common stock of subsidiaries 116,848 110,057 Other assets 507 308 Total assets $ 118,558 $ 111,764 Liabilities and Stockholders’ Equity Other borrowings $ 1,350 $ 1,950 Other liability 63 58 Common stock 25,972 25,901 Additional paid-in capital 21,245 20,959 Retained earnings 65,859 62,975 Accumulated other comprehensive income (loss) 4,069 (79 ) Total liabilities and stockholders’ equity $ 118,558 $ 111,764 Statements of Income Years Ended December 31, (dollars in thousands) 2020 2019 Income: Dividends from subsidiary $ 3,425 $ 3,500 Interest on investments - - Other income 200 200 Total income 3,625 3,700 Expenses: Salary and benefits 669 477 Legal expenses 108 101 Service fees 135 200 Other operating expenses 148 163 Total expenses 1,060 941 Income before income taxes and equity in undistributed net income of subsidiaries 2,565 2,759 Income tax benefit (180 ) (155 ) 2,745 2,914 Equity in undistributed net income of subsidiaries 2,644 4,946 Net income $ 5,389 $ 7,860 Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2020 2019 Cash flows from operating activities: Net income $ 5,389 $ 7,860 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (2,644 ) (4,946 ) Gain on sale of securities, net - - Stock compensation expense 55 12 Increase in other assets 8 110 Increase in other liabilities 5 22 Net cash provided by operating activities 2,813 3,058 Cash flows from investing activities: Proceeds from sale of investment securities - - Cash paid in acquisition - - Cash acquired in acquisition - - Cash distributed to subsidiary - - Net cash used in investing activities - - Cash flows from financing activities: Proceeds from sale of stock 96 85 Repayment of borrowings (600 ) (600 ) Cash dividends paid on common stock (2,505 ) (2,496 ) Net cash (used in) provided by financing activities (3,009 ) (3,011 ) Net increase (decrease) in cash and cash equivalents (196 ) 47 Cash and cash equivalents at beginning of year 1,399 1,352 Cash and cash equivalents at end of year $ 1,203 $ 1,399

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
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.
BASIS OF PRESENTATION	BASIS OF PRESENTATION 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 and disclosure of contingent assets and liabilities as of the date of the consolidated balance sheets 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 and evaluation of goodwill for impairment. The COVID-19 pandemic has caused a significant disruption in economic activity worldwide, including in market areas served by the Company. Estimates for the allowance for loan losses at December 31, 2020 include probable and estimable losses related to the pandemic. The Company expects that the pandemic will continue to have an effect on its results of operations. If economic conditions deteriorate further, then additional provision for loan losses may be required in future periods. It is unknown how long these conditions will last and what the ultimate financial impact will be to the Company. Depending on the severity and duration of the economic consequences of the pandemic, the Company’s goodwill may become impaired.
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 3. The types of lending that the Company engages in are included in Note 4. 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, 2020 and 2019, there were $383.4 million and $344.1 million, or 45.84% and 46.01%, 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 3 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. The Bank is typically required to maintain cash reserve balances on hand or with the Federal Reserve Bank (FRB). At December 31, 2020, there was no minimum reserve requirement as a result of a rule adopted by the FRB in March 2020 eliminating the reserve requirement.
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 accumulated other comprehensive income (loss). 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. 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. 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, real estate commercial loans, and real estate mortgage loans (i.e., residential 1-4 family mortgages, 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.
PAYCHECK PROTECTION PROGRAM	PAYCHECK PROTECTION PROGRAM Beginning in April 2020, the Company originated loans under the Paycheck Protection Program (PPP) of the Small Business Administration (SBA). PPP loans are fully guaranteed by the SBA, and in some cases borrowers may be eligible to obtain forgiveness of the loans, in which case loans would be repaid by the SBA. As repayment of the PPP loans is guaranteed by the SBA, the Company does not recognize a reserve for PPP loans in its allowance for loan losses. The Company received fees from the SBA of one percent to five percent of the principal amount of each loan originated under the PPP. Fees received from the SBA are recognized net of direct origination costs in interest income over the life of the related loans. Recognition of fees related to PPP loans is dependent upon the timing of ultimate repayment or forgiveness. Aggregate fees from the SBA of $2.83 million, net of direct costs, will be recognized in interest income over the life of the loans, of which $2.01 million remains unrecognized as of December 31, 2020. In 2020, the Company recognized $813 thousand in net loan fees related to PPP loans in interest income on loans in the Consolidated Statement of Income.
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 ALLL 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. • Real estate-commercial: 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, 2020 and 2019 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 (including uncertainties associated with the COVID-19 pandemic), trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. Given the timing of the outbreak in the United States of the COVID-19 pandemic, management does not believe that the Company’s performance in relation to credit quality during 2020 was significantly impacted. The COVID-19 pandemic represents an unprecedented challenge to the global economy in general and the financial services sector in particular. However, there is still significant uncertainty regarding the overall length of the pandemic and the aggregate impact that it will have on global and regional economies, including uncertainties regarding the potential positive effects of governmental actions taken in response to the pandemic. With so much uncertainty, it is impossible for the Company to accurately predict the impact that the pandemic will have on the Company’s primary market and the overall extent to which it will affect the Company’s financial condition and results of operations. The Company’s credit administration is closely monitoring and analyzing the higher risk segments within the loan portfolio, tracking loan payment deferrals, customer liquidity and providing timely reports to senior management and the Board of Directors. Based on capital levels, stress testing indications, prudent underwriting policies, watch credit processes, and loan concentration diversification, the Company currently expects to be able to manage the economic risks and uncertainties associated with the pandemic which may include additional increases in the provision for loan losses. 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 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. The Company has accommodated certain borrowers affected by the COVID-19 pandemic by granting short-term payment deferrals or periods of interest-only payments, including loans that remain in deferral as of December 31, 2020, with an aggregate balance of $7.4 million. Generally, a short-term payment deferral does not result in a loan modification being classified as a TDR. Additionally, the Coronavirus Aid, Relief and Economic Security Act (CARES Act), enacted on March 27, 2020, and as subsequently amended by the Consolidated Appropriations Act 2021, provided that certain loan modifications that were (1) related to COVID-19 and (2) for loans that were not more than 30 days past due as of December 31, 2019 are not required to be designated as TDRs. This relief is available to loan modified between March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency and January 1, 2022. Additional information on loan modifications related to COVID-19 is presented in Note 4.
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 2020 or 2019.
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. Nonvested restricted stock shares are included in the calculation of basic earnings per share due to their rights to voting and dividends.
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 2020 and 2019 was $230 thousand and $207 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 which is also recognized a separate component 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 16. 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 Financial Accounting Standards Board (FASB) issued Accounting Standards Update (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. The FASB has issued multiple updates to ASU No. 2016-13 as codified in Topic 326, including ASU No. 2019-04, ASU No. 2019-05, ASU No. 2019-10, ASU No. 2019-11, ASU No. 2020-02, and ASU No. 2020-03. These ASUs have provided for various minor technical corrections and improvements to the codification as well as other transition matters. Smaller reporting companies who file with the U.S. Securities and Exchange Commission (SEC) and all other entities who do not file with the SEC are required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. The Company has formed a committee to oversee the adoption of the new standard, has engaged a third party to assist with implementation, has performed data fit gap and loss driver analyses, intends to run parallel models beginning in 2021, and is continuing to evaluate the impact that ASU No. 2016-13 will have on its consolidated financial statements. 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. On March 12, 2020, the SEC finalized amendments to the definitions of its “accelerated filer” and “large accelerated filer” definitions. The amendments increase the threshold criteria for meeting these filer classifications and were effective on April 27, 2020. Any changes in filer status are to be applied beginning with the filer’s first Annual Report on Form 10-K filed with the SEC subsequent to the effective date. Prior to these changes, the Company was required to comply with Section 404(b) of the Sarbanes Oxley Act of 2002 concerning auditor attestation over internal control over financial reporting as an “accelerated filer” as it had more than $75 million in public float but less than $700 million at the end of the Company’s most recent second fiscal quarter. The rule change expands the definition of “non-accelerated filer” to include entities with public float between $75 million and $700 million and less than $100 million in annual revenues. The Company met this expanded category of non-accelerated filer and is no longer considered an accelerated filer, as of this report. If the Company’s annual revenues exceed $100 million, its category will change back to “accelerated filer”. The classifications of “accelerated filer” and “large accelerated filer” require a public company to obtain an auditor attestation concerning the effectiveness of internal control over financial reporting (ICFR) and include the opinion on ICFR in its Annual Report on Form 10-K. Non-accelerated filers also have additional time to file quarterly and annual financial statements. All public companies are required to obtain and file annual financial statement audits, as well as provide management’s assertion on effectiveness of internal control over financial reporting, but the external auditor attestation of internal control over financial reporting is not required for non-accelerated filers. As the Bank has total assets exceeding $1.0 billion, it remains subject to the Federal Deposit Insurance Corporation Act of 1991, or FDICIA, which requires an auditor attestation concerning internal controls over financial reporting. As such, other than the additional time provided to file quarterly and annual financial statements, this change does not significantly change the Company’s annual reporting and audit requirements. Other accounting standards that have been issued by the FASB or other standards-setting bodies are not currently expected to have a material effect on the Company’s financial position, results of operations or cash flows. ACCOUNTING STANDARDS ADOPTED IN 2020 In January 2017, the FASB issued ASU No. 2017-04, “Intangibles - Goodwill and Other (Topic 350) - Simplifying the Test for Goodwill Impairment” (ASU 2017-04). ASU 2017-04 simplifies the accounting for goodwill impairment for all entities by requiring impairment charges to be based on the first step in the previous two-step impairment test. Under the new guidance, if a reporting unit’s carrying amount exceeds its fair value, an entity will record an impairment charge based on that difference. The impairment charge will be limited to the amount of goodwill allocated to that reporting unit. The standard eliminates the prior requirement to calculate a goodwill impairment charge using Step 2, which requires an entity to calculate any impairment charge by comparing the implied fair value of goodwill with its carrying amount. ASU No. 2017-04 was effective for the Company on January 1, 2020 and did not have a material impact on its consolidated financial statements. In August 2018, the FASB issued ASU No. 2018-13, “Fair Value Measurement (Topic 820) - Changes to the Disclosure Requirements for Fair Value Measurement” (ASU 2018-13). ASU 2018-13 modifies the disclosure requirements on fair value measurements by requiring that Level 3 fair value disclosures include the range and weighted average of significant unobservable inputs used to develop those fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information in lieu of the weighted average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. Certain disclosure requirements in Topic 820 were also removed or modified. ASU No. 2018-13 was effective for the Company on January 1, 2020 and did not have a material impact on its consolidated financial statements. In March 2020 (revised in April 2020), various regulatory agencies, including the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation, (the agencies) issued an interagency statement on loan modifications and reporting for financial institutions working with customers affected by the COVID-19 pandemic. The interagency statement was effective immediately and impacted accounting for loan modifications. Under ASU No. 310-40, “Receivables – Troubled Debt Restructurings by Creditors,” (ASC 310-40), a restructuring of debt constitutes a troubled debt restructuring (TDR) if the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that it would not otherwise consider. The agencies confirmed with the staff of the FASB that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief, are not to be considered TDRs. This includes short-term (e.g., six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. This interagency guidance may have a material impact on the Company’s financial statements; however, this impact cannot be quantified at this time. Refer to Note 4 for further discussion.

Securities Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 6,980 $ 63 $ - $ 7,043 Obligations of U.S. Government agencies 36,858 35 (197 ) 36,696 Obligations of state and policitcal subdivisions 43,517 2,478 - 45,995 Mortgage-backed securities 70,866 2,759 (124 ) 73,501 Money market investments 4,743 - - 4,743 Corporate bonds and other securities 18,295 158 (22 ) 18,431 $ 181,259 $ 5,493 $ (343 ) $ 186,409 December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) 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
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, 2020 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 7,080 $ 7,145 Due after one year through five years 4,430 4,617 Due after five through ten years 45,981 47,665 Due after ten years 119,025 122,239 Other securities, restricted 4,743 4,743 $ 181,259 $ 186,409
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) 2020 2019 Securities Available-for-sale Realized gains on sales of securities $ 265 $ 575 Realized losses on sales of securities (1 ) (261 ) Net realized gain $ 264 $ 314
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, 2020 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value Securities Obligations of U.S. Government agencies $ 8 $ 2,810 $ 189 $ 17,191 $ 197 $ 20,001 15 Mortgage-backed securities 118 14,291 6 1,285 124 15,576 7 Corporate bonds and other securities 22 5,977 - - 22 5,977 7 Total securities available-for-sale $ 148 $ 23,078 $ 195 $ 18,476 $ 343 $ 41,554 29 December 31, 2019 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value 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

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 December 31, 2019 Mortgage loans on real estate: Residential 1-4 family $ 122,800 $ 118,561 Commercial - owner occupied 153,955 141,743 Commercial - non-owner occupied 162,896 135,798 Multifamily 22,812 25,865 Construction 43,732 40,716 Second mortgages 11,178 13,941 Equity lines of credit 50,746 52,286 Total mortgage loans on real estate 568,119 528,910 Commercial and industrial loans 141,746 75,383 Consumer automobile loans 80,390 97,294 Other consumer loans 37,978 39,713 Other (1) 8,067 6,565 Total loans, net of deferred fees 836,300 747,865 Less: Allowance for loan losses 9,541 9,660 Loans, net of allowance and deferred fees (2) $ 826,759 $ 738,205 (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 $271 thousand and $449 thousand at December 31, 2020 and 2019, respectively. (2) Net deferred loan costs totaled $2.1 million and $557 thousand at December 31, 2020 and 2019, 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, 2020 December 31, 2019 Outstanding principal balance $ 8,671 $ 16,850 Carrying amount 8,602 16,561 The outstanding principal balance and related carrying amount of purchased credit impaired loans, for which the Company applies FASB ASC 310-30 to account for interest earned are as follows: (dollars in thousands) December 31, 2020 December 31, 2019 Outstanding principal balance $ - $ 227 Carrying amount - 85 The following table presents changes in the accretable yield on purchased credit impaired loans, for which the Company applies FASB ASC 310-30: (dollars in thousands) December 31, 2020 December 31, 2019 Balance at January 1 $ 72 $ 12 Accretion (156 ) (27 ) Reclassification from nonaccretable difference - 125 Other changes, net 84 (38 ) Balance at end of period $ - $ 72
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, 2020 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 122,621 $ - $ 179 $ - $ 122,800 Commercial - owner occupied 148,738 2,462 2,755 - 153,955 Commercial - non-owner occupied 162,148 748 - - 162,896 Multifamily 22,812 - - - 22,812 Construction 42,734 998 - - 43,732 Second mortgages 11,178 - - - 11,178 Equity lines of credit 50,746 - - - 50,746 Total mortgage loans on real estate $ 560,977 $ 4,208 $ 2,934 $ - $ 568,119 Commercial and industrial loans 141,391 355 - - 141,746 Consumer automobile loans 79,997 - 393 - 80,390 Other consumer loans 37,978 - - - 37,978 Other 8,067 - - - 8,067 Total $ 828,410 $ 4,563 $ 3,327 $ - $ 836,300 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
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, 2020 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing PCI Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 478 $ 164 $ - $ - $ 311 $ 121,847 $ 122,800 Commercial - owner occupied - - - - 903 153,052 153,955 Commercial - non-owner occupied - - - - - 162,896 162,896 Multifamily - - - - - 22,812 22,812 Construction - 88 - - - 43,644 43,732 Second mortgages 41 - - - - 11,137 11,178 Equity lines of credit - - - - - 50,746 50,746 Total mortgage loans on real estate $ 519 $ 252 $ - $ - $ 1,214 $ 566,134 $ 568,119 Commercial and industrial loans 753 - - - - 140,993 141,746 Consumer automobile loans 1,159 190 196 - - 78,845 80,390 Other consumer loans 1,120 555 548 - - 35,755 37,978 Other 24 3 - - - 8,040 8,067 Total $ 3,575 $ 1,000 $ 744 $ - $ 1,214 $ 829,767 $ 836,300 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. (2) For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccural column and not also in its respective past due column. In the table above, the past due totals include student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $1.2 million at December 31, 2020. 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 (2) Total Current Loans (1) Total 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. (2) For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccural column and not also in its respective past due column.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: (dollars in thousands) December 31, 2020 December 31, 2019 Mortgage loans on real estate: Residential 1-4 family $ 311 $ 1,459 Commercial - owner occupied 903 2,795 Commercial - non-owner occupied - 1,422 Second mortgages - 104 Total mortgage loans on real estate $ 1,214 $ 5,780 Commercial and industrial loans - 257 Total $ 1,214 $ 6,037
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) 2020 2019 Interest income that would have been recorded under original loan terms $ 45 $ 283 Actual interest income recorded for the period 34 115 Reduction in interest income on nonaccrual loans $ 11 $ 168
Troubled Debt Restructurings by Class	The following table presents TDRs during the period 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, 2020 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
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 For the Year Ended As of December 31, 2020 December 31, 2020 (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 $ 474 $ 366 $ 87 $ 1 $ 458 $ 10 Commercial 3,490 1,306 121 1 2,559 46 Construction 83 - 83 - 84 5 Second mortgages 133 - 133 9 134 5 Total mortgage loans on real estate 4,180 1,672 424 11 3,235 66 Commercial and industrial loans 6 6 - - 7 - Other consumer loans 14 14 - - 15 1 Total $ 4,200 $ 1,692 $ 424 $ 11 $ 3,257 $ 67 For the Year Ended As of December 31, 2019 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
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, 2020 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for loan losses: Balance, beginning $ 1,244 $ 258 $ 2,505 $ 3,663 $ 1,694 $ 296 $ - $ 9,660 Charge-offs (25 ) - (149 ) (654 ) (822 ) (355 ) - (2,005 ) Recoveries 47 10 69 317 377 66 - 886 Provision for loan losses (616 ) 71 135 1,108 53 116 133 1,000 Ending Balance $ 650 $ 339 $ 2,560 $ 4,434 $ 1,302 $ 123 $ 133 $ 9,541 Individually evaluated for impairment $ - $ - $ 10 $ 1 $ - $ - $ - $ 11 Collectively evaluated for impairment 650 339 2,550 4,433 1,302 123 133 9,530 Purchased credit-impaired loans - - - - - - - Ending Balance $ 650 $ 339 $ 2,560 $ 4,434 $ 1,302 $ 123 $ 133 $ 9,541 Loans Balances: Individually evaluated for impairment 6 83 586 1,427 14 - - 2,116 Collectively evaluated for impairment 141,740 43,649 206,950 315,424 118,354 8,067 - 834,184 Purchased credit-impaired loans - - - - - - - Ending Balance $ 141,746 $ 43,732 $ 207,536 $ 316,851 $ 118,368 $ 8,067 $ - $ 836,300 For the Year ended December 31, 2019 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for loan losses: Balance, beginning $ 2,340 $ 156 $ 2,497 $ 3,459 $ 1,354 $ 305 $ - $ 10,111 Charge-offs - - (170 ) (27 ) (776 ) (425 ) - (1,398 ) Recoveries 10 - 113 87 351 68 - 629 Provision for loan losses (1,106 ) 102 65 144 765 348 - 318 Ending Balance $ 1,244 $ 258 $ 2,505 $ 3,663 $ 1,694 $ 296 $ - $ 9,660 Individually evaluated for impairment $ - $ 14 $ 150 $ 317 $ - $ - $ - $ 481 Collectively evaluated for impairment 1,244 244 2,355 3,346 1,694 296 - 9,179 Purchased credit-impaired loans - - - - - - - Ending Balance $ 1,244 $ 258 $ 2,505 $ 3,663 $ 1,694 $ 296 $ - $ 9,660 Loans Balances: Individually evaluated for impairment 354 88 1,853 6,149 - - - 8,444 Collectively evaluated for impairment 74,944 40,628 208,800 271,392 137,007 6,565 - 739,336 Purchased credit-impaired loans 85 - - - - - 85 Ending Balance $ 75,383 $ 40,716 $ 210,653 $ 277,541 $ 137,007 $ 6,565 $ - $ 747,865 (1) The real estate – mortgage segment included residential 1-4 family, 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, 2020
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) 2020 2019 Balance at beginning of year $ - $ 83 Transfers to OREO due to foreclosure 254 - Properties sold (254 ) (83 ) Balance at end of year $ - $ -
Expenses Applicable to Foreclosed Assets	Expenses applicable to OREO include the following: Years Ended December 31, (dollars in thousands) 2020 2019 Net gain on sales of real estate $ 62 $ 2 Operating expenses, net of income (1) (20 ) (2 ) Total Income $ 42 $ - (1) Included in other operating income and other operating expense on the Consolidated Statements of Income

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2020
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment consisted of the following at December 31: Years Ended December 31, (dollars in thousands) 2020 2019 Land $ 7,709 $ 8,001 Buildings 37,530 37,900 Construction in process 239 958 Leashold improvements 867 861 Furniture, fixtures and equipment 21,235 19,748 67,580 67,468 Less accumulated depreciation and amortization 33,967 32,156 Balance at end of year $ 33,613 $ 35,312

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Information about Leases	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2020 Lease liabilities $ 1,378 Right-of-use assets $ 1,364 Weighted average remaining lease term 4.59 years Weighted average discount rate 1.76 %
Lease Cost	Years Ended December 31, Lease cost 2020 2019 Operating lease cost $ 380 $ 336 Total lease cost $ 380 $ 336 Cash paid for amounts included in the measurement of lease liabilities $ 377 $ 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: As of Lease payments due December 31, 2020 Twelve months ending December 31, 2021 $ 352 Twelve months ending December 31, 2022 339 Twelve months ending December 31, 2023 248 Thereafter 549 Total undiscounted cash flows $ 1,488 Discount (110 ) Lease liabilities $ 1,378

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 2019 Tax credits and other benefits Amortization of operating losses $ 688 $ 216 Tax benefit of operating losses* 144 45 Tax credits 419 441 Total tax benefits $ 563 $ 486 * Computed using a 21% tax rate.

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Maturities of Time Deposits	At December 31, 2020 the scheduled maturities of time deposits (in thousands) are as follows: (dollars in thousands) 2021 $ 111,557 2022 40,569 2023 24,824 2024 9,169 2025 7,579 Balance at end of year $ 193,698

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 December 31, 2019 Overnight repurchase agreements $ 6,619 $ 11,452 Federal Home Loan Bank advances - - Total short-term borrowings $ 6,619 $ 11,452 Maximum month-end outstanding balance $ 9,080 $ 38,138 Average outstanding balance during the period $ 21,092 $ 27,382 Average interest rate (year-to-date) 0.19 % 0.71 % Average interest rate at end of period 0.10 % 0.10 %
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

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2020
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the year ended December 31, 2020 is summarized below. Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2020 19,933 $ 22.70 Issued 18,903 15.75 Vested (8,519 ) 22.10 Forfeited (741 ) 21.68 Nonvested, Deceember 31, 2020 29,576 $ 18.46

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2020
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: (dollars in thousands) Years Ended December 31, Affected Line Item on 2020 2019 Consolidated Statement of Income Available-for-sale securities Realized gains (losses) on sales of securities $ 264 $ 314 Gain on sale of available-for-sale securities, net Tax effect 55 66 Income tax expense $ 209 $ 248
Changes in Accumulated Other Comprehensive 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 Income (Loss) Year Ended December 31, 2020 Balance at beginning of period $ (79 ) $ (79 ) Net other comprehensive income 4,148 4,148 Balance at end of period $ 4,069 $ 4,069 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 )
Component of Accumulated Other Comprehensive Income on Pre-Tax and After-Tax	The following table presents the change in each component of accumulated other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2020 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 5,514 $ 1,157 $ 4,357 Reclassification adjustment for gains recognized in income (264 ) (55 ) (209 ) Total change in accumulated other comprehensive income, net $ 5,250 $ 1,102 $ 4,148 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
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, 2020 and 2019: (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, 2020 Net income, basic $ 5,389 5,216 $ 1.03 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 5,389 5,216 $ 1.03 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

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
Annual Activity	Annual activity consisted of the following: (dollars in thousands) 2020 2019 Balance, beginning of year $ 3,910 $ 4,012 Additions 3,531 297 Reductions (3,221 ) (399 ) Balance, end of year $ 4,220 $ 3,910

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
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) 2020 2019 Current income tax expense $ 1,155 $ 728 Deferred income tax expense (benefit) (634 ) 352 Reported income tax expense $ 521 $ 1,080
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) 2020 2019 Expected tax expense $ 1,241 $ 1,877 Interest expense on tax-exempt assets 5 7 Low-income housing tax credit (413 ) (440 ) Tax-exempt interest, net (147 ) (201 ) Bank-owned life insurance (176 ) (164 ) Other, net 11 1 Reported tax expense $ 521 $ 1,080
Components of Net Deferred Tax Asset	The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2020 2019 Deferred tax assets: Allowance for loan losses $ 2,017 $ 2,029 Nonaccrual loans 9 17 Acquisition accounting 14 61 Net operating losses 643 677 Investments in pass-through entities 224 122 Bank owned life insurance benefit 68 64 Securities available-for-sale - 21 Stock awards 97 67 Deferred compensation 397 347 Deferred loan fees and costs 443 - Other 55 59 $ 3,967 $ 3,464 Deferred tax liabilities: Premises and equipment $ 363 $ 345 Acquisition accounting 67 76 Deferred loan fees and costs - 117 Securities available-for-sale 1,081 - 1,511 538 Net deferred tax assets $ 2,456 $ 2,926

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2020
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) 2020 2019 Commitments to extend credit: Home equity lines of credit $ 66,999 $ 62,267 Commercial real estate, construction and development loans committed but not funded 20,258 15,637 Other lines of credit (principally commercial) 64,329 62,321 Total $ 151,586 $ 140,225 Letters of credit $ 4,841 $ 7,724

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2020
Fair Value Measurements [Abstract]
Assets Measured at Fair Value on Recurring Basis	The following tables present the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2020 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance Available-for-sale securities U.S. Treasury securities $ 7,043 $ - $ 7,043 $ - Obligations of U.S. Government agencies 36,696 - 36,696 - Obligations of state and political subdivisions 45,995 - 45,995 - Mortgage-backed securities 73,501 - 73,501 - Money market investments 4,743 - 4,743 - Corporate bonds and other securities 18,431 - 18,431 - Total available-for-sale securities $ 186,409 $ - $ 186,409 $ - Fair Value Measurements at December 31, 2019 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance 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 $ -
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, 2020 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Loans Loans held for sale $ 14,413 $ - $ 14,413 $ - Carrying Value at December 31, 2019 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs 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 Total $ 1,442 $ - $ - $ 1,442 Loans Loans held for sale $ 590 $ - $ 590 $ -
Fair Value Inputs, Assets, Quantitative Information	The Company did not have any Level 3 Fair Value Measurements at December 31, 2020. The following table displays quantitative information about Level 3 Fair Value Measurements as of December 31, 2019: 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 %
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, 2020 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Carrying Value Assets Cash and cash equivalents $ 120,437 $ 120,437 $ - $ - Securities available-for-sale 186,409 - 186,409 - Restricted securities 1,367 - 1,367 - Loans held for sale 14,413 - 14,413 - Loans, net of allowances for loan losses 826,759 - - 825,963 Bank owned life insurance 28,386 - 28,386 - Accrued interest receivable 3,613 - 3,613 - Liabilities Deposits $ 1,067,236 $ - $ 1,070,236 $ - Overnight repurchase agreements 6,619 - 6,619 - Federal Reserve Bank borrowings 28,550 - 28,550 - Other borrowings 1,350 - 1,350 - Accrued interest payable 384 - 384 - Fair Value Measurements at December 31, 2019 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Carrying Value 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 - 1,950 - Accrued interest payable 620 - 620 -

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2020
Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	The Bank’s actual capital amounts and ratios as of December 31, 2020 and 2019 are presented in the table below. 2020 2019 Regulatory Regulatory Minimums December 31, 2020 Minimums December 31, 2019 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 11.69 % 4.500 % 11.73 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 11.69 % 6.000 % 11.73 % Tier 1 Leverage to Average Assets 4.000 % 8.56 % 4.000 % 9.73 % Total Capital to Risk-Weighted Assets 8.000 % 12.77 % 8.000 % 12.86 % Capital Conservation Buffer 2.500 % 4.77 % 2.500 % 4.86 % Risk-Weighted Assets (in thousands) $ 890,091 $ 863,905

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 39,966 $ 43 $ 6,069 $ (6,069 ) $ 40,009 Income from fiduciary activities - 3,877 - - 3,877 Other income 9,899 983 200 (261 ) 10,821 Total operating income 49,865 4,903 6,269 (6,330 ) 54,707 Expenses Interest expense 5,237 - 55 - 5,292 Provision for loan losses 1,000 - - - 1,000 Salaries and employee benefits 21,652 3,191 669 - 25,512 Other expenses 15,840 1,078 336 (261 ) 16,993 Total operating expenses 43,729 4,269 1,060 (261 ) 48,797 Income before taxes 6,136 634 5,209 (6,069 ) 5,910 Income tax expense (benefit) 565 136 (180 ) - 521 Net income $ 5,571 $ 498 $ 5,389 $ (6,069 ) $ 5,389 Capital expenditures $ 901 $ 23 $ - $ - $ 924 Total assets $ 1,218,766 $ 6,957 $ 118,558 $ (118,090 ) $ 1,226,191 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

Condensed Financial Statement_2

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2020
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) 2020 2019 Assets Cash and cash equivalents $ 1,203 $ 1,399 Securities available-for-sale - - Investment in common stock of subsidiaries 116,848 110,057 Other assets 507 308 Total assets $ 118,558 $ 111,764 Liabilities and Stockholders’ Equity Other borrowings $ 1,350 $ 1,950 Other liability 63 58 Common stock 25,972 25,901 Additional paid-in capital 21,245 20,959 Retained earnings 65,859 62,975 Accumulated other comprehensive income (loss) 4,069 (79 ) Total liabilities and stockholders’ equity $ 118,558 $ 111,764
Statements of Income	Statements of Income Years Ended December 31, (dollars in thousands) 2020 2019 Income: Dividends from subsidiary $ 3,425 $ 3,500 Interest on investments - - Other income 200 200 Total income 3,625 3,700 Expenses: Salary and benefits 669 477 Legal expenses 108 101 Service fees 135 200 Other operating expenses 148 163 Total expenses 1,060 941 Income before income taxes and equity in undistributed net income of subsidiaries 2,565 2,759 Income tax benefit (180 ) (155 ) 2,745 2,914 Equity in undistributed net income of subsidiaries 2,644 4,946 Net income $ 5,389 $ 7,860
Statements of Cash Flows	Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2020 2019 Cash flows from operating activities: Net income $ 5,389 $ 7,860 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (2,644 ) (4,946 ) Gain on sale of securities, net - - Stock compensation expense 55 12 Increase in other assets 8 110 Increase in other liabilities 5 22 Net cash provided by operating activities 2,813 3,058 Cash flows from investing activities: Proceeds from sale of investment securities - - Cash paid in acquisition - - Cash acquired in acquisition - - Cash distributed to subsidiary - - Net cash used in investing activities - - Cash flows from financing activities: Proceeds from sale of stock 96 85 Repayment of borrowings (600 ) (600 ) Cash dividends paid on common stock (2,505 ) (2,496 ) Net cash (used in) provided by financing activities (3,009 ) (3,011 ) Net increase (decrease) in cash and cash equivalents (196 ) 47 Cash and cash equivalents at beginning of year 1,399 1,352 Cash and cash equivalents at end of year $ 1,203 $ 1,399

Significant Accounting Polici_3

Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)SubsidiaryBranchPeriodqtr	Dec. 31, 2019USD ($)Periodqtr
THE COMPANY [Abstract]
Number of subsidiaries | Subsidiary	2
Number of branch offices | Branch	16
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 836,300	$ 747,865
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
TROUBLED DEBT RESTRUCTURINGS [Abstract]
Loan modifications	$ 581
INCOME TAXES [Abstract]
Uncertain tax positions	0	$ 0
ADVERTISING EXPENSE [Abstract]
Advertising expense	230	207
COVID-19 [Member]
TROUBLED DEBT RESTRUCTURINGS [Abstract]
Loan modifications	$ 7,400
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	$ 383,400	$ 344,100
Percentage of concentration risk	45.84%	46.01%
PPP Loans [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Aggregate fees from SBA, net of direct cost	$ 2,830
Unrecognized fee amount	2,010
Recognized fee amount	$ 813
PPP Loans [Member] | Minimum [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Percentage of fee received from Small Business Administration (SBA)	1.00%
PPP Loans [Member] | Maximum [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Percentage of fee received from Small Business Administration (SBA)	5.00%

Restrictions on Cash and Amou_2

Restrictions on Cash and Amounts Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
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	$ 9.8	$ 23.8

Securities Portfolio (Details)

Securities Portfolio (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Security	Dec. 31, 2019USD ($)Security
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 181,259	$ 145,815
Gross unrealized gains	5,493	1,083
Gross unrealized (losses)	(343)	(1,183)
Fair value	$ 186,409	145,715
Number of securities exceeding ten percent of stockholders' equity | Security	0
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 7,080
Due after one year through five years	4,430
Due after five through ten years	45,981
Due after ten years	119,025
Other securities, restricted	4,743
Total securities	181,259	145,815
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	7,145
Due after one year through five years	4,617
Due after five through ten years	47,665
Due after ten years	122,239
Other securities, restricted	4,743
Total securities	186,409	145,715
Securities Available-for-sale [Abstract]
Realized gains on sales of securities	265	575
Realized losses on sales of securities	(1)	(261)
Net realized gain	264	314
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	148	979
More Than Twelve Months	195	204
Total	343	1,183
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	23,078	84,517
More Than Twelve Months	18,476	16,837
Total	$ 41,554	$ 101,354
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	29	47
Collateral Pledged [Member]
Debt Securities, Available-for-sale [Abstract]
Securities pledged as collateral	$ 69,400	$ 74,000
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	6,980	6,925
Gross unrealized gains	63	78
Gross unrealized (losses)	0	0
Fair value	7,043	7,003
Available-for-Sale, Amortized Cost [Abstract]
Total securities	6,980	6,925
Available-for-Sale, Fair Value [Abstract]
Total securities	7,043	7,003
Obligations of US Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	36,858	33,998
Gross unrealized gains	35	9
Gross unrealized (losses)	(197)	(403)
Fair value	36,696	33,604
Available-for-Sale, Amortized Cost [Abstract]
Total securities	36,858	33,998
Available-for-Sale, Fair Value [Abstract]
Total securities	36,696	33,604
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	8	349
More Than Twelve Months	189	54
Total	197	403
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	2,810	29,744
More Than Twelve Months	17,191	2,562
Total	$ 20,001	$ 32,306
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	15	22
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 43,517	$ 24,525
Gross unrealized gains	2,478	442
Gross unrealized (losses)	0	(225)
Fair value	45,995	24,742
Available-for-Sale, Amortized Cost [Abstract]
Total securities	43,517	24,525
Available-for-Sale, Fair Value [Abstract]
Total securities	45,995	24,742
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months		225
More Than Twelve Months		0
Total		225
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months		10,112
More Than Twelve Months		0
Total		$ 10,112
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security		7
Mortgage-Backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	70,866	$ 72,000
Gross unrealized gains	2,759	460
Gross unrealized (losses)	(124)	(552)
Fair value	73,501	71,908
Available-for-Sale, Amortized Cost [Abstract]
Total securities	70,866	72,000
Available-for-Sale, Fair Value [Abstract]
Total securities	73,501	71,908
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	118	405
More Than Twelve Months	6	147
Total	124	552
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	14,291	44,661
More Than Twelve Months	1,285	14,078
Total	$ 15,576	$ 58,739
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	7	17
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 4,743	$ 3,825
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	4,743	3,825
Available-for-Sale, Amortized Cost [Abstract]
Total securities	4,743	3,825
Available-for-Sale, Fair Value [Abstract]
Total securities	4,743	3,825
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	18,295	4,542
Gross unrealized gains	158	94
Gross unrealized (losses)	(22)	(3)
Fair value	18,431	4,633
Available-for-Sale, Amortized Cost [Abstract]
Total securities	18,295	4,542
Available-for-Sale, Fair Value [Abstract]
Total securities	18,431	4,633
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	22	0
More Than Twelve Months	0	3
Total	22	3
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	5,977	0
More Than Twelve Months	0	197
Total	$ 5,977	$ 197
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	7	1
Government Agency Obligations and Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Gross unrealized (losses)	$ (195)	$ (204)
Fair value	18,500	16,800
Available-for-Sale, Fair Value [Abstract]
Total securities	$ 18,500	$ 16,800
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	12	10

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		$ 836,300	$ 747,865
Less: Allowance for loan losses		9,541	9,660
Loans, net of allowance and deferred fees	[1]	826,759	738,205
Overdrawn accounts, excluding internal use accounts		271	449
Net deferred loan costs		2,100	557
Mortgage Loans on Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		568,119	528,910
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		122,800	118,561
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		316,851	277,541
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		153,955	141,743
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		162,896	135,798
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		22,812	25,865
Mortgage Loans on Real Estate [Member] | Construction [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		43,732	40,716
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		11,178	13,941
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		50,746	52,286
Commercial [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		141,746	75,383
Commercial [Member] | Commercial and Industrial Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		141,746	75,383
Consumer [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[2]	118,368	137,007
Consumer [Member] | Consumer Automobile Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		80,390	97,294
Consumer [Member] | Other Consumer Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		37,978	39,713
Other [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[3]	$ 8,067	$ 6,565
[1]	Net deferred loan costs totaled $2.1 million and $557 thousand at December 31, 2020 and 2019, respectively.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $271 thousand and $449 thousand at December 31, 2020 and 2019, respectively.

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Acquired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Acquired Loans Included in Consolidated Balance Sheet [Abstract]
Outstanding principal balance	$ 8,671	$ 16,850
Carrying amount	8,602	16,561
Acquired Loans Accounted for Under FASB ASC 310-30 [Abstract]
Outstanding principal balance	0	227
Carrying amount	0	85
Acquired Loans Accounted for under FASB ASC 310-30 Changes in Accretable Yield [Roll Forward]
Balance at beginning of period	72	12
Accretion	(156)	(27)
Reclassification from nonaccretable difference	0	125
Other changes, net	84	(38)
Balance at end of period	$ 0	$ 72

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Receivables [Abstract]
Gross loans receivable		$ 836,300	$ 747,865
Pass [Member]
Receivables [Abstract]
Gross loans receivable		828,410	734,653
OAEM [Member]
Receivables [Abstract]
Gross loans receivable		4,563	3,306
Substandard [Member]
Receivables [Abstract]
Gross loans receivable		3,327	9,906
Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Gross loans receivable		568,119	528,910
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		560,977	516,505
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		4,208	3,240
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		2,934	9,165
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		122,800	118,561
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		122,621	116,380
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		179	2,181
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 [Member]
Receivables [Abstract]
Gross loans receivable		316,851	277,541
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Receivables [Abstract]
Gross loans receivable		153,955	141,743
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		148,738	134,570
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		2,462	1,618
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		2,755	5,555
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		162,896	135,798
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		162,148	132,851
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		748	1,622
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	1,325
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		22,812	25,865
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		22,812	25,865
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		43,732	40,716
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		42,734	40,716
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		998	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
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		11,178	13,941
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		11,178	13,837
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		0	104
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		50,746	52,286
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		50,746	52,286
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	0
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		141,746	75,383
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Gross loans receivable		141,746	75,383
Commercial [Member] | Commercial and Industrial Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		141,391	74,963
Commercial [Member] | Commercial and Industrial Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		355	66
Commercial [Member] | Commercial and Industrial Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	354
Commercial [Member] | Commercial and Industrial Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member]
Receivables [Abstract]
Gross loans receivable	[1]	118,368	137,007
Consumer [Member] | Consumer Automobile Loans [Member]
Receivables [Abstract]
Gross loans receivable		80,390	97,294
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		79,997	96,907
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		393	387
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		37,978	39,713
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		37,978	39,713
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	0
Consumer [Member] | Other Consumer Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member]
Receivables [Abstract]
Gross loans receivable	[2]	8,067	6,565
Other [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		8,067	6,565
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 category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $271 thousand and $449 thousand at December 31, 2020 and 2019, respectively.

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		$ 744	$ 1,091
PCI		0	85
Nonaccrual	[1]	1,214	6,037
Total Current Loans	[2]	829,767	735,630
Total Loans		836,300	747,865
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	1,214	6,037
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		45	283
Actual interest income recorded for the period		34	115
Reduction in interest income on non accrual loans		11	168
30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		3,575	3,504
60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		1,000	1,518
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Past Due		$ 1,200	$ 1,800
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		98.00%	100.00%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		$ 0	$ 0
PCI		0	85
Nonaccrual	[1]	1,214	5,780
Total Current Loans	[2]	566,134	521,661
Total Loans		568,119	528,910
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	1,214	5,780
Mortgage Loans on Real Estate [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		519	1,065
Mortgage Loans on Real Estate [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		252	319
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	311	1,459
Total Current Loans	[2]	121,847	116,211
Total Loans		122,800	118,561
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	311	1,459
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		478	891
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		164	0
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Loans, Aging [Abstract]
PCI		0	0
Total Loans		316,851	277,541
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	85
Nonaccrual	[1]	903	2,795
Total Current Loans	[2]	153,052	138,544
Total Loans		153,955	141,743
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	903	2,795
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	319
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]	0	1,422
Total Current Loans	[2]	162,896	134,376
Total Loans		162,896	135,798
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	1,422
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	[2]	22,812	25,865
Total Loans		22,812	25,865
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	0
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans	[2]	43,644	40,616
Total Loans		43,732	40,716
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	100
Mortgage Loans on Real Estate [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		88	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	0	104
Total Current Loans	[2]	11,137	13,788
Total Loans		11,178	13,941
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	104
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		41	49
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	0
Total Current Loans	[2]	50,746	52,261
Total Loans		50,746	52,286
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		0	25
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		0	85
Total Loans		141,746	75,383
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]	0	257
Total Current Loans	[2]	140,993	74,915
Total Loans		141,746	75,383
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	257
Commercial [Member] | Commercial and Industrial Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		753	211
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	[3]	0	0
Total Loans	[3]	118,368	137,007
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		196	203
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans	[2]	78,845	95,677
Total Loans		80,390	97,294
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		1,159	1,115
Consumer [Member] | Consumer Automobile Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		190	299
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		548	888
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans	[2]	35,755	36,902
Total Loans		37,978	39,713
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		1,120	1,032
Consumer [Member] | Other Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		555	891
Other [Member]
Loans, Aging [Abstract]
90 Days or More Past Due, still accruing		0	0
PCI		0	0
Nonaccrual	[1]	0	0
Total Current Loans	[2]	8,040	6,475
Total Loans	[4]	8,067	6,565
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		24	81
Other [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Past Due		$ 3	$ 9
[1]	For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccural column and not also in its respective past due column.
[2]	For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.
[3]	The consumer segment includes consumer automobile loans.
[4]	Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $271 thousand and $449 thousand at December 31, 2020 and 2019, respectively.

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Modification	Dec. 31, 2019USD ($)
Receivables [Abstract]
Number of modifications sold | Modification	2
Number of Modifications | Modification	3
Recorded Investment Prior to Modification	$ 587
Recorded Investment After Modification	587
Current Investment	581
Outstanding commitments on TDR's	0	$ 0
Defaulting TDR's within twelve months of restructuring	0	0
Residential 1-4 Family [Member]
Receivables [Abstract]
Loans in process for foreclosure	0	$ 272
COVID-19 [Member]
Receivables [Abstract]
Current Investment	7,400
COVID-19 [Abstract]
Loan modifications	$ 7,400
Loan modification percentage of total loan portfolio	0.90%
COVID-19 [Member] | Minimum [Member]
COVID-19 [Abstract]
Principal and interest payment deferrals period	60 days
COVID-19 [Member] | Maximum [Member]
COVID-19 [Abstract]
Principal and interest payment deferrals period	90 days
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Number of Modifications | Modification	2
Recorded Investment Prior to Modification	$ 512
Recorded Investment After Modification	512
Current Investment	$ 506
Commercial [Member] | Commercial and Industrial [Member]
Receivables [Abstract]
Number of Modifications | Modification	1
Recorded Investment Prior to Modification	$ 75
Recorded Investment After Modification	75
Current Investment	$ 75

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Receivables [Abstract]
Unpaid Principal Balance	$ 4,200	$ 11,595
Recorded Investment, Without Valuation Allowance	1,692	6,411
Recorded Investment, With Valuation Allowance	424	2,033
Associated Allowance	11	481
Average Recorded Investment	3,257	8,866
Interest Income Recognized	67	149
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	4,180	11,211
Recorded Investment, Without Valuation Allowance	1,672	6,057
Recorded Investment, With Valuation Allowance	424	2,033
Associated Allowance	11	481
Average Recorded Investment	3,235	8,572
Interest Income Recognized	66	144
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	474	1,542
Recorded Investment, Without Valuation Allowance	366	1,519
Recorded Investment, With Valuation Allowance	87	89
Associated Allowance	1	39
Average Recorded Investment	458	1,416
Interest Income Recognized	10	11
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	3,490	9,333
Recorded Investment, Without Valuation Allowance	1,306	4,538
Recorded Investment, With Valuation Allowance	121	1,611
Associated Allowance	1	317
Average Recorded Investment	2,559	6,822
Interest Income Recognized	46	123
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	83	89
Recorded Investment, Without Valuation Allowance	0	0
Recorded Investment, With Valuation Allowance	83	88
Associated Allowance	0	14
Average Recorded Investment	84	88
Interest Income Recognized	5	4
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Unpaid Principal Balance	133	247
Recorded Investment, Without Valuation Allowance	0	0
Recorded Investment, With Valuation Allowance	133	245
Associated Allowance	9	111
Average Recorded Investment	134	246
Interest Income Recognized	5	6
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	6	362
Recorded Investment, Without Valuation Allowance	6	354
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	7	273
Interest Income Recognized	0	4
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	14	22
Recorded Investment, Without Valuation Allowance	14	0
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	15	21
Interest Income Recognized	$ 1	$ 1

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses, Activity In Period (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		$ 9,660	$ 10,111
Charge-offs		(2,005)	(1,398)
Recoveries		886	629
Provision for loan losses		1,000	318
Ending balance		9,541	9,660
Individually evaluated for impairment				$ 11	$ 481
Collectively evaluated for impairment				9,530	9,179
Purchased credit-impaired loans				0	0
Ending balance		9,541	10,111	9,541	9,660
Loans Balances [Abstract]
Individually evaluated for impairment				2,116	8,444
Collectively evaluated for impairment				834,184	739,336
Purchased credit-impaired loans				0	85
Ending balance				836,300	747,865
Commercial and Industrial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		1,244	2,340
Charge-offs		(25)	0
Recoveries		47	10
Provision for loan losses		(616)	(1,106)
Ending balance		650	1,244
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				650	1,244
Purchased credit-impaired loans				0	0
Ending balance		650	1,244	650	1,244
Loans Balances [Abstract]
Individually evaluated for impairment				6	354
Collectively evaluated for impairment				141,740	74,944
Purchased credit-impaired loans				0	85
Ending balance				141,746	75,383
Real Estate [Member]
Loans Balances [Abstract]
Purchased credit-impaired loans				0	85
Ending balance				568,119	528,910
Real Estate [Member] | Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		258	156
Charge-offs		0	0
Recoveries		10	0
Provision for loan losses		71	102
Ending balance		339	258
Individually evaluated for impairment				0	14
Collectively evaluated for impairment				339	244
Purchased credit-impaired loans				0	0
Ending balance		339	258	339	258
Loans Balances [Abstract]
Individually evaluated for impairment				83	88
Collectively evaluated for impairment				43,649	40,628
Purchased credit-impaired loans				0	0
Ending balance				43,732	40,716
Real Estate [Member] | Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[1]	2,505	2,497
Charge-offs	[1]	(149)	(170)
Recoveries	[1]	69	113
Provision for loan losses	[1]	135	65
Ending balance	[1]	2,560	2,505
Individually evaluated for impairment	[1]			10	150
Collectively evaluated for impairment	[1]			2,550	2,355
Purchased credit-impaired loans	[1]			0	0
Ending balance	[1]	2,560	2,497	2,560	2,505
Loans Balances [Abstract]
Individually evaluated for impairment	[1]			586	1,853
Collectively evaluated for impairment	[1]			206,950	208,800
Purchased credit-impaired loans	[1]			0	0
Ending balance	[1]			207,536	210,653
Real Estate [Member] | Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		3,663	3,459
Charge-offs		(654)	(27)
Recoveries		317	87
Provision for loan losses		1,108	144
Ending balance		4,434	3,663
Individually evaluated for impairment				1	317
Collectively evaluated for impairment				4,433	3,346
Purchased credit-impaired loans				0	0
Ending balance		4,434	3,663	4,434	3,663
Loans Balances [Abstract]
Individually evaluated for impairment				1,427	6,149
Collectively evaluated for impairment				315,424	271,392
Purchased credit-impaired loans				0	0
Ending balance				316,851	277,541
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[2]	1,694	1,354
Charge-offs	[2]	(822)	(776)
Recoveries	[2]	377	351
Provision for loan losses	[2]	53	765
Ending balance	[2]	1,302	1,694
Individually evaluated for impairment	[2]			0	0
Collectively evaluated for impairment	[2]			1,302	1,694
Purchased credit-impaired loans	[2]			0	0
Ending balance	[2]	1,302	1,694	1,302	1,694
Loans Balances [Abstract]
Individually evaluated for impairment	[2]			14	0
Collectively evaluated for impairment	[2]			118,354	137,007
Purchased credit-impaired loans	[2]			0	0
Ending balance	[2]			118,368	137,007
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		296	305
Charge-offs		(355)	(425)
Recoveries		66	68
Provision for loan losses		116	348
Ending balance		123	296
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				123	296
Purchased credit-impaired loans				0	0
Ending balance		123	296	123	296
Loans Balances [Abstract]
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				8,067	6,565
Purchased credit-impaired loans				0	0
Ending balance	[3]			8,067	6,565
Unallocated [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		0	0
Charge-offs		0	0
Recoveries		0	0
Provision for loan losses		133	0
Ending balance		133	0
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				133	0
Purchased credit-impaired loans				0	0
Ending balance		$ 133	$ 0	133	0
Loans Balances [Abstract]
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				0	0
Purchased credit-impaired loans				0	0
Ending balance				$ 0	$ 0
[1]	The real estate - mortgage segment included residential 1-4 family, 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 category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $271 thousand and $449 thousand at December 31, 2020 and 2019, respectively.

Other Real Estate Owned (OREO_2

Other Real Estate Owned (OREO) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Analysis of balance in OREO [Roll Forward]
Balance at beginning of year		$ 0	$ 83
Transfers to OREO due to foreclosure		254	0
Properties sold		(254)	(83)
Balance at end of year		0	0
Expenses applicable to OREOs [Abstract]
Net gain on sales of real estate		62	2
Operating expenses, net of income	[1]	(20)	(2)
Total Income		$ 42	$ 0
[1]	Included in other operating income and other operating expense on the Consolidated Statements of Income

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 67,580	$ 67,468
Less accumulated depreciation and amortization	33,967	32,156
Balance at end of year	33,613	35,312
Depreciation expense	2,145	2,220
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	7,709	8,001
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	37,530	37,900
Construction in Progress [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	239	958
Leasehold Improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	867	861
Furniture, Fixtures and Equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 21,235	$ 19,748

Leases (Details)

Leases (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Lease	Dec. 31, 2019USD ($)
Assets and Liabilities, Lessee [Abstract]
Right-of-use asset | $	$ 1,364	$ 751
Lease liability | $	$ 1,378	$ 751
Operating Lease, Liability, Statement of Financial Position [Extensible List]	OtherLiabilities	OtherLiabilities
Number of new leases | Lease	3
Number of leases extended | Lease	2

Leases, Long-term Lease Agreeme

Leases, Long-term Lease Agreements Calssified as Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Information about Leases [Abstract]
Lease liabilities	$ 1,378	$ 751
Operating Lease, Liability, Statement of Financial Position [Extensible List]	OtherLiabilities	OtherLiabilities
Right-of-use asset	$ 1,364	$ 751
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	OtherAssets
Weighted average remaining lease term	4 years 7 months 2 days
Weighted average discount rate	1.76%
Lease cost [Abstract]
Operating lease cost	$ 380	336
Total lease cost	380	336
Cash paid for amounts included in the measurement of lease liabilities	377	331
Lease payments due [Abstract]
Twelve months ending December 31, 2021	352
Twelve months ending December 31, 2022	339
Twelve months ending December 31, 2023	248
Thereafter	549
Total undiscounted cash flows	1,488
Discount	(110)
Lease liabilities	1,378	751
Rental expense of premises and equipment	$ 415	$ 361

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2020USD ($)Fund	Dec. 31, 2019USD ($)Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4	4
Low-income housing investment		$ 2,300	$ 3,000
Additional committed capital calls expected		18	50
Amortization expense		688	216
Tax credits and other benefits [Abstract]
Amortization of operating losses		688	216
Tax benefit of operating losses	[1]	144	45
Tax credits		419	441
Total tax benefit		$ 563	$ 486
Effective income tax rate		21.00%
[1]	Computed using a 21% tax rate.

Deposits (Details)

Deposits (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Customer	Dec. 31, 2019USD ($)
Deposits [Abstract]
Time deposits threshold	$ 250
Aggregate amount of time deposits in denominations of $250 thousand or more	$ 45,400	$ 45,300
Number of single customer relationships that exceeded deposit limit | Customer	0
Percentage of total deposits	5.00%
Maturities of time deposits [Abstract]
2021	$ 111,557
2022	40,569
2023	24,824
2024	9,169
2025	7,579
Balance at end of year	$ 193,698	$ 227,918

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Borrowings and FHLB Advances [Abstract]
Available federal funds lines	$ 100,000	$ 55,000
Available credit with FHLB	374,700	276,300
Short-Term Borrowings [Abstract]
Overnight repurchase agreements	6,619	11,452
Federal Home Loan Bank advances	0	0
Total short-term borrowings	6,619	11,452
Maximum month-end outstanding balance	9,080	38,138
Average outstanding balance during the period	$ 21,092	$ 27,382
Average interest rate (year-to-date)	0.19%	0.71%
Average interest rate at end of period	0.10%	0.10%
Long-Term Borrowings [Abstract]
Federal Reserve Bank borrowings	$ 28,550	$ 0
FHLB advances outstanding		$ 37,000
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
Paycheck Protection Program Liquidity Facility [Member]
Long-Term Borrowings [Abstract]
Federal Reserve Bank borrowings	$ 28,600
Loan maturity date	Apr. 30, 2022
Interest rate	0.35%
2.92% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate		2.92%
FHLB advance maturity date		Apr. 17, 2020
FHLB advances outstanding		$ 10,000
2.77% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate		2.77%
FHLB advance maturity date		Jun. 19, 2020
FHLB advances outstanding		$ 10,000
2.79% Fixed Rate Hybrid [Member]
Long-Term Borrowings [Abstract]
FHLB Interest Rate		2.79%
FHLB advance maturity date		Aug. 29, 2020
FHLB advances outstanding		$ 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%
FHLB advance maturity date		Aug. 27, 2021
FHLB advances outstanding		$ 3,500
Citizens Acquisition [Member]
Long-Term Borrowings [Abstract]
Loan maturity date	Apr. 1, 2023
Loans outstanding	$ 1,400	$ 2,000
Interest rate	2.61%	4.20%

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 261	$ 224
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	19,933
Issued (in shares)	18,903
Vested (in shares)	(8,519)
Forfeited (in shares)	(741)
Nonvested balance at end of period (in shares)	29,576	19,933
Weighted Average Grant Date Fair Value [Abstract]
Nonvested balance at beginning of period (in dollars per share)	$ 22.70
Issued (in dollars per share)	15.75
Vested (in dollars per share)	22.10
Forfeited (in dollars per share)	21.68
Nonvested balance at end of period (in dollars per share)	$ 18.46	$ 22.70
Weighted-average remaining vesting period for recognition	2 years 2 months 19 days
Fair value of restricted stock granted	$ 298	$ 361
Unrecognized stock-based compensation expense	$ 176	$ 71
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)	5,819	3,666
Shares reserved for issuance (in shares)	232,451
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, 2020	Dec. 31, 2019
Available-for-sale securities [Abstract]
Realized gains (losses) on sales of securities	$ 264	$ 314
Tax effect	55	66
Total	$ 209	$ 248

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Stockholders Equity Note [Abstract]
Beginning Balance	$ 109,756	$ 102,006
Ending Balance	117,145	109,756
Other comprehensive income, pretax [Abstract]
Unrealized holding gains arising during the period, pretax	5,514	2,943
Reclassification adjustment for gains recognized in income, pretax	(264)	(314)
Total change in accumulated other comprehensive income, net, pretax	5,250	2,629
Other Comprehensive Income, Tax Effect [Abstract]
Unrealized holding gains arising during the period, tax effect	1,157	618
Reclassification adjustment for gains recognized in income, tax effect	(55)	(66)
Total change in accumulated other comprehensive income, net, tax effect	1,102	552
Other Comprehensive Income, Net of Tax [Abstract]
Unrealized holding gains arising during the period, net of tax	4,357	2,325
Reclassification adjustment for gains recognized in income, net of tax	(209)	(248)
Other comprehensive income, net of tax	4,148	2,077
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(79)	(2,156)
Net other comprehensive income	4,148	2,077
Ending Balance	4,069	(79)
Accumulated Other Comprehensive Income (Loss) [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(79)	(2,156)
Net other comprehensive income	4,148	2,077
Ending Balance	4,069	(79)
Other Comprehensive Income, Net of Tax [Abstract]
Other comprehensive income, net of tax	$ 4,148	$ 2,077

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 5,389	$ 7,860
Net Income Available to Common Stockholders, Diluted	$ 5,389	$ 7,860
Weighted Average Common Shares, Basic (in shares)	5,216,237	5,196,812
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0
Weighted Average Common Shares, Diluted (in shares)	5,216,441	5,196,853
Earnings Per Share, Basic (in dollars per share)	$ 1.03	$ 1.51
Earnings Per Share, Diluted (in dollars per share)	$ 1.03	$ 1.51
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, 2020	Dec. 31, 2019
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	$ 3,910	$ 4,012
Additions	3,531	297
Reductions	(3,221)	(399)
Balance, end of year	4,220	3,910
Deposits from related parties	$ 17,200	$ 18,200

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Components of income tax expense [Abstract]
Current income tax expense	$ 1,155	$ 728
Deferred income tax expense (benefit)	(634)	352
Reported tax expense	521	1,080
Reconciliation of expected federal income tax expense [Abstract]
Expected tax expense	1,241	1,877
Interest expense on tax-exempt assets	5	7
Low-income housing tax credit	(413)	(440)
Tax-exempt interest, net	(147)	(201)
Bank-owned life insurance	(176)	(164)
Other, net	11	1
Reported tax expense	$ 521	$ 1,080
Effective Income Tax Rate Reconciliation [Abstract]
Effective tax rate	8.80%	12.10%
Deferred tax assets [Abstract]
Allowance for loan losses	$ 2,017	$ 2,029
Nonaccrual loans	9	17
Acquisition accounting	14	61
Net operating losses	643	677
Investments in pass-through entities	224	122
Bank owned life insurance benefit	68	64
Securities available-for-sale	0	21
Stock awards	97	67
Deferred compensation	397	347
Deferred loan fees and costs	443	0
Other	55	59
Total	3,967	3,464
Deferred tax liabilities [Abstract]
Premises and equipment	363	345
Acquisition accounting	67	76
Deferred loan fees and costs	0	117
Securities available-for-sale	1,081	0
Total	1,511	538
Net deferred tax assets	$ 2,456	$ 2,926

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)LetterofCredit	Dec. 31, 2019USD ($)
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 151,586	$ 140,225
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	66,999	62,267
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	20,258	15,637
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	64,329	62,321
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 4,841	$ 7,724
Standby Letters of Credit [Member]
Commitments to extend credit [Abstract]
Typical expiration period	1 year
Standby Letter of Credit Expires in Year 2022 [Member]
Commitments to extend credit [Abstract]
Number of letters with expiration period greater than one year | LetterofCredit	1
Expiration date of letters with expiration period greater than one year	Dec. 31, 2022
Standby Letter of Credit Expires in Year 2023 [Member]
Commitments to extend credit [Abstract]
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, 2020	Dec. 31, 2019
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	$ 186,409	$ 145,715
Loans, net of allowances for loan losses	826,759	738,205
Loans held for sale	14,413	590
U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	7,043	7,003
Obligations of U.S. Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	36,696	33,604
Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	45,995	24,742
Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	73,501	71,908
Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	4,743	3,825
Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	186,409	145,715
Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	7,043	7,003
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	36,696	33,604
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	45,995	24,742
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	73,501	71,908
Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	4,743	3,825
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Debt securities, available-for-sale	18,431	4,633
Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		1,442
Loans held for sale	14,413	590
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
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
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
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
Loans held for sale	0	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
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
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
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	14,413	590
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	186,409	145,715
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	7,043	7,003
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	36,696	33,604
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	45,995	24,742
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	73,501	71,908
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	4,743	3,825
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	18,431	4,633
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
Loans held for sale	14,413	590
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
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
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
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	825,963	734,932
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
Loans held for sale	$ 0	0
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
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
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

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Mortgage Loans on Real Estate [Member] - Market Comparables [Member] $ in Thousands	Dec. 31, 2019USD ($)
Residential 1-4 Family [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value	$ 74
Residential 1-4 Family [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0725
Residential 1-4 Family [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0400
Commercial Real Estate [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value	$ 1,294
Commercial Real Estate [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0600
Commercial Real Estate [Member] | Liquidation Discount [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.3500
Construction [Member]
Investments, Fair Value Disclosure [Abstract]
Fair Value	$ 74
Construction [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Fair value measurement	0.0725
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, 2020	Dec. 31, 2019
Assets [Abstract]
Cash and cash equivalents	$ 120,437	$ 89,865
Securities available-for-sale	186,409	145,715
Restricted securities	1,367	2,926
Loans held for sale	14,413	590
Loans, net of allowances for loan losses	826,759	738,205
Bank owned life insurance	28,386	27,547
Accrued interest receivable	3,613	2,762
Liabilities [Abstract]
Deposits	1,067,236	889,496
Overnight repurchase agreements	6,619	11,452
Federal Reserve Bank borrowings	28,550
Federal Home Loan Bank advances		37,000
Other Borrowings	1,350	1,950
Accrued interest payable	384	620
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	120,437	89,865
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 Reserve Bank borrowings	0
Federal Home Loan Bank advances		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	186,409	145,715
Restricted securities	1,367	2,926
Loans held for sale	14,413	590
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	28,386	27,547
Accrued interest receivable	3,613	2,762
Liabilities [Abstract]
Deposits	1,070,236	893,584
Overnight repurchase agreements	6,619	11,452
Federal Reserve Bank borrowings	28,550
Federal Home Loan Bank advances		37,000
Other Borrowings	1,350	1,950
Accrued interest payable	384	620
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	825,963	734,932
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Reserve Bank borrowings	0
Federal Home Loan Bank advances		0
Other Borrowings	0	0
Accrued interest payable	$ 0	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Common Equity Tier 1 Capital to Risk-Weighted Assets, Regulatory Minimums	0.04500	0.04500
Common Equity Tier 1 Capital to Risk-Weighted Assets, Ratio	0.1169	0.1173
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Tier 1 Capital to Risk-Weighted Assets, Regulatory Minimums	0.06000	0.06000
Tier 1 Capital to Risk-Weighted Assets, Ratio	0.1169	0.1173
Tier 1 Capital to Average Assets, Ratio [Abstract]
Tier 1 Leverage to Average Assets, Regulatory Minimums	0.04000	0.04000
Tier 1 Leverage to Average Assets, Ratio	0.0856	0.0973
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Total Capital to Risk-Weighted Assets, Regulatory Minimums	0.08000	0.08000
Total Capital to Risk-Weighted Assets, Ratio	0.1277	0.1286
Capital Conservation Buffer, Ratio [Abstract]
Capital Conservation Buffer, Regulatory Minimums	0.02500	0.02500
Capital Conservation Buffer, Ratio	0.0477	0.0486
Risk Weighted Assets	$ 890,091	$ 863,905
Amount available for dividend distribution without prior approval from regulatory agency	$ 7,600

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)SegmentArea	Dec. 31, 2019USD ($)
Revenues [Abstract]
Interest and dividend income	$ 40,009	$ 40,241
Total operating income	54,707	54,318
Expenses [Abstract]
Interest expense	5,292	6,422
Provision for loan losses	1,000	318
Salaries and employee benefits	25,512	24,024
Other expenses	16,993	14,614
Total operating expenses	48,797	45,378
Income before income taxes	5,910	8,940
Income tax expense (benefit)	521	1,080
Net income	5,389	7,860
Capital expenditures	924	1,782
Total assets	$ 1,226,191	1,054,488
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	$ 3,877	3,850
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	10,821	10,227
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	39,966	40,121
Total operating income	49,865	49,381
Expenses [Abstract]
Interest expense	5,237	6,310
Provision for loan losses	1,000	318
Salaries and employee benefits	21,652	20,405
Other expenses	15,840	13,508
Total operating expenses	43,729	40,541
Income before income taxes	6,136	8,840
Income tax expense (benefit)	565	1,054
Net income	5,571	7,786
Capital expenditures	901	1,756
Total assets	1,218,766	1,048,158
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	9,899	9,260
Operating Segments [Member] | Trust [Member]
Revenues [Abstract]
Interest and dividend income	43	120
Total operating income	4,903	4,998
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	3,191	3,142
Other expenses	1,078	1,015
Total operating expenses	4,269	4,157
Income before income taxes	634	841
Income tax expense (benefit)	136	181
Net income	498	660
Capital expenditures	23	26
Total assets	6,957	6,695
Operating Segments [Member] | Trust [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	3,877	3,850
Operating Segments [Member] | Trust [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	983	1,028
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	6,069	8,446
Total operating income	6,269	8,646
Expenses [Abstract]
Interest expense	55	112
Provision for loan losses	0	0
Salaries and employee benefits	669	477
Other expenses	336	352
Total operating expenses	1,060	941
Income before income taxes	5,209	7,705
Income tax expense (benefit)	(180)	(155)
Net income	5,389	7,860
Capital expenditures	0	0
Total assets	118,558	111,764
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	200
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(6,069)	(8,446)
Total operating income	(6,330)	(8,707)
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(261)	(261)
Total operating expenses	(261)	(261)
Income before income taxes	(6,069)	(8,446)
Income tax expense (benefit)	0	0
Net income	(6,069)	(8,446)
Capital expenditures	0	0
Total assets	(118,090)	(112,129)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (261)	$ (261)

Condensed Financial Statement_3

Condensed Financial Statements of Parent Company, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets [Abstract]
Cash and cash equivalents	$ 120,437	$ 89,865
Securities available-for-sale	186,409	145,715
OtherAssets	12,838	11,408
Total assets	1,226,191	1,054,488
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	1,350	1,950
Other liability	5,291	4,834
Common stock	25,972	25,901
Additional paid-in capital	21,245	20,959
Retained earnings	65,859	62,975
Accumulated other comprehensive income (loss)	4,069	(79)
Total liabilities and stockholders' equity	1,226,191	1,054,488
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	1,203	1,399
Securities available-for-sale	0	0
Investment in common stock of subsidiaries	116,848	110,057
OtherAssets	507	308
Total assets	118,558	111,764
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	1,350	1,950
Other liability	63	58
Common stock	25,972	25,901
Additional paid-in capital	21,245	20,959
Retained earnings	65,859	62,975
Accumulated other comprehensive income (loss)	4,069	(79)
Total liabilities and stockholders' equity	$ 118,558	$ 111,764

Condensed Financial Statement_4

Condensed Financial Statements of Parent Company, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Income [Abstract]
Other income	$ 134	$ 221
Total interest and dividend income	40,009	40,241
Expenses [Abstract]
Salary and benefits	25,512	24,024
Legal expenses	2,196	2,311
Other operating expenses	3,369	2,653
Total noninterest expense	42,505	38,638
Income before income taxes	5,910	8,940
Income tax benefit	521	1,080
Net income	5,389	7,860
Parent Company [Member]
Income [Abstract]
Dividends from subsidiary	3,425	3,500
Interest on investments	0	0
Other income	200	200
Total interest and dividend income	3,625	3,700
Expenses [Abstract]
Salary and benefits	669	477
Legal expenses	108	101
Service fees	135	200
Other operating expenses	148	163
Total noninterest expense	1,060	941
Income before income taxes	2,565	2,759
Income tax benefit	(180)	(155)
Net income before equity in undistributed net income of subsidiaries	2,745	2,914
Equity in undistributed net income of subsidiaries	2,644	4,946
Net income	$ 5,389	$ 7,860

Condensed Financial Statement_5

Condensed Financial Statements of Parent Company, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities [Abstract]
Net income	$ 5,389	$ 7,860
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Gain on sale of securities, net	(264)	(314)
Stock compensation expense	261	224
Increase in other assets	(966)	1,967
Net cash (used in) provided by operating activities	(8,635)	12,370
Cash flows from investing activities [Abstract]
Net cash (used in) provided by investing activities	(122,241)	29,131
Cash flows from financing activities [Abstract]
Cash dividends paid on common stock	(2,505)	(2,496)
Net cash provided by financing activities	161,448	6,147
Net increase in cash and cash equivalents	30,572	47,648
Cash and cash equivalents at beginning of period	89,865	42,217
Cash and cash equivalents at end of period	120,437	89,865
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income	5,389	7,860
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed net income of subsidiaries	(2,644)	(4,946)
Gain on sale of securities, net	0	0
Stock compensation expense	55	12
Increase in other assets	8	110
Increase in other liabilities	5	22
Net cash (used in) provided by operating activities	2,813	3,058
Cash flows from investing activities [Abstract]
Proceeds from sale of investment securities	0	0
Cash paid in acquisition	0	0
Cash acquired in acquisition	0	0
Cash distributed to subsidiary	0	0
Net cash (used in) provided by investing activities	0	0
Cash flows from financing activities [Abstract]
Proceeds from sale of stock	96	85
Repayment of borrowings	(600)	(600)
Cash dividends paid on common stock	(2,505)	(2,496)
Net cash provided by financing activities	(3,009)	(3,011)
Net increase in cash and cash equivalents	(196)	47
Cash and cash equivalents at beginning of period	1,399	1,352
Cash and cash equivalents at end of period	$ 1,203	$ 1,399