Old Point Financial (OPOF) 10-K 31 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 15, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value
Trading Symbol	OPOF
Security Exchange Name	NASDAQ
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
ICFR Auditor Attestation Flag	false
Entity Shell Company	false
Entity Public Float			$ 93,161,278
Entity Common Stock, Shares Outstanding		5,187,293
Auditor Firm ID	613
Auditor Name	Yount, Hyde & Barbour, P.C.
Auditor Location	Richmond, Virginia

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks		$ 13,424	$ 21,799
Interest-bearing due from banks		164,073	98,633
Federal funds sold		10,425	5
Cash and cash equivalents		187,922	120,437
Securities available-for-sale, at fair value		234,321	186,409
Restricted securities, at cost		1,034	1,367
Loans held for sale		3,287	14,413
Loans, net	[1]	833,661	826,759
Premises and equipment, net		32,134	33,613
Premises and equipment, held for sale		871	0
Bank-owned life insurance		28,168	28,386
Goodwill		1,650	1,650
Core deposit intangible, net		275	319
Other assets		14,832	12,838
Total assets		1,338,155	1,226,191
Deposits:
Noninterest-bearing deposits		421,531	360,602
Savings deposits		586,450	512,936
Time deposits		169,118	193,698
Total deposits		1,177,099	1,067,236
Overnight repurchase agreements		4,536	6,619
Federal Reserve Bank borrowings		480	28,550
Long term borrowings		29,407	1,350
Accrued expenses and other liabilities		5,815	5,291
Total liabilities		1,217,337	1,109,046
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,239,707 and 5,224,019 shares outstanding (includes 38,435 and 29,576 of nonvested restricted stock, respectively)		26,006	25,972
Additional paid-in capital		21,458	21,245
Retained earnings		71,679	65,859
Accumulated other comprehensive income, net		1,675	4,069
Total stockholders' equity		120,818	117,145
Total liabilities and stockholders' equity		$ 1,338,155	$ 1,226,191
[1]	Net deferred loan costs totaled $1.3 million and $2.1 million at December 31, 2021 and 2020, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
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)	5,239,707	5,224,019
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)	38,435	29,576

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Interest and Dividend Income:
Loans, including fees	$ 37,912	$ 36,012
Due from banks	230	267
Federal funds sold	3	12
Securities:
Taxable	3,284	3,068
Tax-exempt	753	516
Dividends and interest on all other securities	70	134
Total interest and dividend income	42,252	40,009
Interest Expense:
Checking and savings deposits	938	1,080
Time deposits	1,941	3,337
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	35	150
Long term borrowings	544	0
Federal Home Loan Bank advances	0	725
Total interest expense	3,458	5,292
Net interest income	38,794	34,717
Provision for loan losses	794	1,000
Net interest income after provision for loan losses	38,000	33,717
Noninterest Income:
Bank-owned life insurance income	1,014	839
Mortgage banking income	2,280	1,781
Gain on sale of available-for-sale securities, net	0	264
Gain on sale of fixed assets	0	818
Total noninterest income	14,885	14,698
Noninterest Expense:
Salaries and employee benefits	25,361	25,512
Occupancy and equipment	4,694	4,852
Data processing	4,557	3,478
Customer development	370	381
Professional services	2,521	2,196
Employee professional development	719	658
Other taxes	794	661
ATM and other losses	504	871
Loss on extinguishment of borrowings	0	490
(Gain) on other real estate owned	0	(62)
Loss on sale of loans	0	99
Other operating expenses	3,629	3,369
Total noninterest expense	43,149	42,505
Income before income taxes	9,736	5,910
Income tax expense	1,296	521
Net income	$ 8,440	$ 5,389
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,238,318	5,216,237
Net income per share of common stock (in dollars per share)	$ 1.61	$ 1.03
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,238,352	5,216,441
Net income per share of common stock (in dollars per share)	$ 1.61	$ 1.03
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 4,198	$ 3,877
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	2,866	2,872
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	4,169	4,028
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 358	$ 219

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 8,440	$ 5,389
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	(2,394)	4,357
Reclassification for gain included in net income	0	(209)
Other comprehensive income (loss), net of tax	(2,394)	4,148
Comprehensive income	$ 6,046	$ 9,537

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, 2019	$ 25,901	$ 20,959	$ 62,975	$ (79)	$ 109,756
Beginning Balance (in shares) at Dec. 31, 2019	5,180,105
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	5,389	0	5,389
Other comprehensive income (loss), 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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	8,440	0	$ 8,440
Other comprehensive income (loss), net of tax	0	0	0	(2,394)	(2,394)
Employee Stock Purchase Plan share issuance	$ 24	79	0	0	103
Employee Stock Purchase Plan share issuance (in shares)	4,908
Common stock purchased	$ (33)	(117)	0	0	(150)
Common stock purchased (in shares)	(6,600)
Restricted stock vested	$ 43	(43)	0	0	0
Restricted stock vested (in shares)	8,521
Stock-based compensation expense	$ 0	294	0	0	294
Cash dividends	0	0	(2,620)	0	(2,620)
Ending Balance at Dec. 31, 2021	$ 26,006	$ 21,458	$ 71,679	$ 1,675	$ 120,818
Ending Balance (in shares) at Dec. 31, 2021	5,201,272				5,239,707

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.50	$ 0.48

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 8,440	$ 5,389
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization	2,091	2,145
Amortization of right of use lease asset	347	380
Accretion related to acquisition, net	(2)	(176)
Amortization of subordinated debt issuance costs	60	0
Provision for loan losses	794	1,000
Gain on sale of securities, net	0	(264)
Net amortization of securities	989	627
Decrease (increase) in loans held for sale, net	11,126	(13,823)
Net (gain) loss on disposal of premises and equipment	0	(818)
Net gain on write-down/sale of other real estate owned	0	(62)
Income from bank owned life insurance	(1,014)	(839)
Stock compensation expense	294	261
Deferred tax expense (benefit)	275	(634)
Decrease in other assets	(748)	(966)
Increase (decrease) in accrued expenses and other liabilities	524	(855)
Net cash provided by (used in) operating activities	23,176	(8,635)
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(90,070)	(73,057)
Proceeds from redemption (purchase) of restricted securities, net	333	1,559
Proceeds from maturities and calls of available-for-sale securities	11,780	10,747
Proceeds from sales of available-for-sale securities	6,880	13,944
Paydowns on available-for-sale securities	19,479	12,559
Net increase in loans held for investment	(7,650)	(89,588)
Proceeds from sales of other real estate owned	0	316
Purchases of premises and equipment	(1,514)	(924)
Proceeds from sale of premises and equipment	31	2,203
Net cash used in investing activities	(60,731)	(122,241)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	60,929	98,044
Increase in savings deposits	73,514	113,916
Decrease in time deposits	(24,580)	(34,220)
Increase (decrease) in federal funds purchased, repurchase agreements and other borrowings, net	(3,433)	(5,433)
Increase in Federal Home Loan Bank advances	0	25,000
Repayment of Federal Home Loan Bank advances	0	(62,000)
Increase in Federal Reserve Bank borrowings	0	37,515
Repayment of Federal Reserve Bank borrowings	(28,070)	(8,965)
Increase in long term borrowings	29,347	96
Proceeds from ESPP issuance	103	0
Repurchase of common stock	(150)	0
Cash dividends paid on common stock	(2,620)	(2,505)
Net cash provided by financing activities	105,040	161,448
Net increase in cash and cash equivalents	67,485	30,572
Cash and cash equivalents at beginning of period	120,437	89,865
Cash and cash equivalents at end of period	187,922	120,437
Cash payments for:
Interest	3,149	5,528
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized (loss) gain on securities available-for-sale	(3,030)	5,250
Loans transferred to other real estate owned	0	254
Former bank property transferred from fixed assets to held for sale assets	902	0
Right of use lease asset and liability	0	1,312
Receivable for BOLI death benefit	$ 1,232	$ 0

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
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, 2021, the Bank had 16 branch offices. During the first quarter of 2022, two 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, 2021 include probable and estimable losses related to the pandemic. While there have been signals of economic recovery and a resumption of many types of business activity, there remains significant uncertainty in the probable and estimable measurement of these losses. If there are further challenges to the economic recovery, 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, 2021 and 2020, there were $460.1 million and $383.4 million, or 54.5% and 45.8%, 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 4 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, 2021, 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. 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 has no trading securities. 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. Any changes in the application of lower of cost or market accounting 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 $4.6 million, net of direct costs, will be recognized in interest income over the life of the loans, of which $630 thousand remains unrecognized as of December 31, 2021. In 2021 and 2020, the Company recognized $3.2 million and $813 thousand in net loan fees related to PPP loans in interest income on loans in the Consolidated Statement of Income, respectively. 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 and industrial: • Real estate-construction: • Real estate-mortgage • Real estate-commercial: • Consumer loans: • Other loans: 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, 2021 and 2020 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. 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. 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 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 both positive and negative 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 2021 or 2020. 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 2021 and 2020 was $217 thousand and $230 thousand, respectively. COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income, net of tax. Other comprehensive income, 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 value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the 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. The new standard will be effective for the Company beginning on January 1, 2023. The amendments of ASC 326, upon adoption, will be applied on a modified retrospective basis, with the cumulative effect of adopting the new standard being recorded as an adjustment to opening retained earnings in the period of adoption. The Company has established a committee to oversee the adoption of ASC 326. The Company has engaged a vendor to assist in modeling expected lifetime losses under ASC 326, gathered historical loan loss data for purposes of evaluating appropriate portfolio segmentation and modeling methods under the standard, performed procedures to validate the historical loan loss data to ensure its suitability and reliability for purposes of developing an estimate of expected credit losses under ASC 326, and is continuing to develop and refine an approach to estimating the allowance for credit losses. The adoption of ASC 326 will result in significant changes to the Company’s consolidated financial statements, which may include changes in the level of the allowance for credit losses that will be considered adequate, a reduction in total equity and regulatory capital of the Bank, differences in the timing of recognizing changes to the allowance for credit losses and expanded disclosures about the allowance for credit losses. The Company has not yet determined an estimate of the effect of these changes. The adoption of the standard will also result in significant changes in the Company’s internal control over financial reporting related to the allowance for credit losses. 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.

Restrictions on Cash and Amount

Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020, the Company had no balance requirements on any of its accounts. The Company had approximately $3.9 million and $9.8 million in deposits in financial institutions in excess of amounts insured by the FDIC at December 31, 2021 and December 31, 2020, respectively.

Securities Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2021
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, 2021 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 15,052 $ - $ (148 ) $ 14,904 Obligations of U.S. Government agencies 38,651 75 (168 ) 38,558 Obligations of state and political subdivisions 64,132 1,948 (277 ) 65,803 Mortgage-backed securities 88,511 1,348 (801 ) 89,058 Money market investments 2,413 - - 2,413 Corporate bonds and other securities 23,441 261 (117 ) 23,585 $ 232,200 $ 3,632 $ (1,511 ) $ 234,321 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 political 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 Securities with a fair value of $59.3 million and $69.4 million at December 31, 2021 and 2020, 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, 2021, 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, 2021 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 200 $ 195 Due after one year through five years 13,045 13,341 Due after five through ten years 69,739 70,559 Due after ten years 146,803 147,813 Other securities, restricted 2,413 2,413 $ 232,200 $ 234,321 The following table provides information about securities sold in the years ended December 31: Year Ended December 31, (Dollars in thousands) 2021 2020 Securities Available-for-sale Realized gains on sales of securities $ - $ 265 Realized losses on sales of securities - (1 ) Net realized gain $ - $ 264 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 accumulated other comprehensive income on the consolidated balance sheets. 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, 2021 and 2020. 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, 2021 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value U.S. Treasury securities $ 148 $ 14,904 $ - $ - $ 148 $ 14,904 Obligations of U.S. Government agencies 131 19,181 37 5,042 168 24,223 Obligations of state and political subdivisions 277 20,673 - - 277 20,673 Mortgage-backed securities 608 35,882 193 6,450 801 42,332 Corporate bonds and other securities 117 9,833 - - 117 9,833 Total securities available-for-sale $ 1,281 $ 100,473 $ 230 $ 11,492 $ 1,511 $ 111,965 December 31, 2020 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value Obligations of U.S. Government agencies $ 8 $ 2,810 $ 189 $ 17,191 $ 197 $ 20,001 Mortgage-backed securities 118 14,291 6 1,285 124 15,576 Corporate bonds and other securities 22 5,977 - - 22 5,977 Total securities available-for-sale $ 148 $ 23,078 $ 195 $ 18,476 $ 343 $ 41,554 Certain investments within the Company’s portfolio had unrealized losses at December 31, 2021 and December 31, 2020, 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, 2021 or December 31, 2020. As of December 31, 2021, there were 9 individual available-for-sale securities with a total fair value of $11.5 million that had been in a continuous loss position for more than 12 months. These securities had an unrealized loss of $230 thousand and consisted of government agency obligations and mortgage-backed securities. As of December 31, 2020, there were 12 individual available-for-sale securities with a fair value totaling $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. The Company has determined that these securities are temporarily impaired at December 31, 2021 and 2020 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, 2021
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, 2021 December 31, 2020 Mortgage loans on real estate: Residential 1-4 family $ 130,776 $ 122,800 Commercial - owner occupied 198,413 153,955 Commercial - non-owner occupied 184,190 162,896 Multifamily 19,050 22,812 Construction 58,440 43,732 Second mortgages 7,877 11,178 Equity lines of credit 48,665 50,746 Total mortgage loans on real estate 647,411 568,119 Commercial and industrial loans 68,690 141,746 Consumer automobile loans 85,023 80,390 Other consumer loans 33,418 37,978 Other (1) 8,984 8,067 Total loans, net of deferred fees 843,526 836,300 Less: Allowance for loan losses 9,865 9,541 Loans, net of allowance and deferred fees (2) $ 833,661 $ 826,759 (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 $304 thousand and $271 thousand at December 31, 2021 and 2020, respectively. (2) Net deferred loan costs totaled $1.3 million and $2.1 million at December 31, 2021 and 2020, 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, 2021 December 31, 2020 Outstanding principal balance $ 5,087 $ 8,671 Carrying amount 5,087 8,602 The Company did not have any outstanding principal balance or related carrying amount of purchased credit-impaired loans as of December 31, 2021 and 2020, respectively. 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, 2021 December 31, 2020 Balance at January 1 $ - $ 72 Accretion - (156 ) Other changes, net - 84 Balance at end of period $ - $ - 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, 2021 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 130,584 $ - $ 192 $ - $ 130,776 Commercial - owner occupied 195,512 788 2,113 - 198,413 Commercial - non-owner occupied 183,093 434 663 - 184,190 Multifamily 19,050 - - - 19,050 Construction 57,224 218 998 - 58,440 Second mortgages 7,877 - - - 7,877 Equity lines of credit 48,665 - - - 48,665 Total mortgage loans on real estate $ 642,005 $ 1,440 $ 3,966 $ - $ 647,411 Commercial and industrial loans 68,261 - 429 - 68,690 Consumer automobile loans 85,002 - 21 - 85,023 Other consumer loans 33,418 - - - 33,418 Other 8,984 - - - 8,984 Total $ 837,670 $ 1,440 $ 4,416 $ - $ 843,526 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 As of December 31, 2021 and 2020 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, 2021 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 120 $ - $ - $ 191 $ 130,465 $ 130,776 Commercial - owner occupied - - - - 198,413 198,413 Commercial - non-owner occupied - - - 113 184,077 184,190 Multifamily - - - - 19,050 19,050 Construction - - - - 58,440 58,440 Second mortgages 24 - - - 7,853 7,877 Equity lines of credit 51 - - - 48,614 48,665 Total mortgage loans on real estate $ 195 $ - $ - $ 304 $ 646,912 $ 647,411 Commercial and industrial loans 37 - 169 174 68,310 68,690 Consumer automobile loans 814 118 296 - 83,795 85,023 Other consumer loans 1,284 439 550 - 31,145 33,418 Other 31 3 10 - 8,940 8,984 Total $ 2,361 $ 560 $ 1,025 $ 478 $ 839,102 $ 843,526 (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 small business and student 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 $1.4 million at December 31, 2021. 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 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. 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, 2021 December 31, 2020 Mortgage loans on real estate: Residential 1-4 family $ 191 $ 311 Commercial - owner occupied - 903 Commercial - non-owner occupied 113 - Total mortgage loans on real estate 304 1,214 Commercial and industrial loans 174 - Consumer loans - - Total $ 478 $ 1,214 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) 2021 2020 Interest income that would have been recorded under original loan terms $ 11 $ 45 Actual interest income recorded for the period 2 34 Reduction in interest income on nonaccrual loans $ 9 $ 11 TROUBLED DEBT RESTRUCTURINGS The Company’s loan portfolio may include 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 no new TDRs in 2021. 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. At December 31, 2021 and 2020, 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, 2021 and 2020, respectively. In the years ended December 31, 2021 and 2020 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. The Company made loan modifications under the CARES Act, enacted on March 27, 2020, and subsequently amended by the Consolidated Appropriations Act 2021, which 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. At December 31, 2021, the Company had no loan modifications under the CARES Act compared to $7.4 million as of December 31, 2020. 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. For the Year Ended As of December 31, 2021 December 31, 2021 (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 $ 353 $ 25 $ 300 $ 30 $ 328 $ 7 Commercial 610 178 413 8 601 1 Construction 80 79 - - 80 4 Second mortgages 127 - 125 3 126 5 Total mortgage loans on real estate 1,170 282 838 41 1,135 17 Commercial and industrial loans 188 - 174 87 181 17 Other consumer loans 9 7 - - 8 - Total $ 1,367 $ 289 $ 1,012 $ 128 $ 1,324 $ 34 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 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 2021 and 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. 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. 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, 2021 (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 $ 650 $ 339 $ 2,560 $ 4,434 $ 1,302 $ 123 $ 133 $ 9,541 Charge-offs (27 ) - (14 ) - (800 ) (278 ) - (1,119 ) Recoveries 41 - 76 44 390 98 - 649 Provision for loan losses 19 120 (232 ) 309 470 241 (133 ) 794 Ending Balance $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Individually evaluated for impairment $ 87 $ - $ 33 $ 8 $ - $ - $ - $ 128 Collectively evaluated for impairment 596 459 2,357 4,779 1,362 184 - 9,737 Ending Balance $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Loans Balances: Individually evaluated for impairment 174 79 450 591 7 - - 1,301 Collectively evaluated for impairment 68,516 58,361 205,918 382,012 118,434 8,984 - 842,225 Ending Balance $ 68,690 $ 58,440 $ 206,368 $ 382,603 $ 118,441 $ 8,984 $ - $ 843,526 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 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 Ending Balance $ 141,746 $ 43,732 $ 207,536 $ 316,851 $ 118,368 $ 8,067 $ - $ 836,300 (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, 2021
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. An analysis of the balance in OREO is as follows: Years Ended December 31, (dollars in thousands) 2021 2020 Balance at beginning of year $ - $ - Transfers to OREO due to foreclosure - 254 Properties sold - (254 ) 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. Expenses applicable to OREO include the following: Years Ended December 31, (dollars in thousands) 2021 2020 Net gain on sales of real estate $ - $ 62 Operating expenses, net of income (1) - (20 ) 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, 2021
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) 2021 2020 Land $ 7,270 $ 7,709 Buildings 36,418 37,530 Construction in process 279 239 Leashold improvements 867 867 Furniture, fixtures and equipment 21,991 21,235 66,825 67,580 Less accumulated depreciation and amortization 34,691 33,967 Balance at end of year $ 32,134 $ 33,613 Depreciation expense was $2.1 million for each of the years ended December 31, 2021 and 2020.

Leases

Leases	12 Months Ended
	Dec. 31, 2021
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. The right-of-use asset and lease liability are included in other assets other liabilities 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, 2021 Lease liabilities $ 1,041 Right-of-use assets $ 1,017 Weighted average remaining lease term 3.64 years Weighted average discount rate 1.73 % Years Ended December 31, Lease cost 2021 2020 Operating lease cost $ 347 $ 380 Total lease cost $ 347 $ 380 Cash paid for amounts included in the measurement of lease liabilities $ 351 $ 377 A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: Lease payments due As of Twelve months ending December 31, 2022 $ 339 Twelve months ending December 31, 2023 248 Twelve months ending December 31, 2024 240 Twelve months ending December 31, 2025 193 Thereafter 70 Total undiscounted cash flows $ 1,090 Discount (49 ) Lease liabilities $ 1,041 The aggregate rental expense of premises and equipment was $470 thousand and $415 thousand for years ended December 31, 2021 and 2020, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2021
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, 2021 and December 31, 2020. 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 $1.9 million and $2.3 million at December 31, 2021 and December 31, 2020, respectively. The expected terms of these investments and the related tax benefits run through 2033. There were no additional committed capital calls as of December 31, 2021 compared to $18 thousand at December 31, 2020. Additional committed capital calls are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheets. During the years ended December 31, 2021 and 2020, the Company recognized amortization expense of $410 thousand and $688 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, 2021 2020 Tax credits and other benefits Amortization of operating losses $ 410 $ 688 Tax benefit of operating losses* 86 144 Tax credits 361 419 Total tax benefits $ 447 $ 563 * Computed using a 21% tax rate.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	NOTE 9, Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2021 and 2020 was $39.9 million and $45.4 million, respectively. As of December 31, 2021, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2021 the scheduled maturities of time deposits (in thousands) are as follows: (dollars in thousands) 2022 $ 99,749 2023 39,040 2024 15,095 2025 7,680 2026 7,554 Balance at end of year $ 169,118

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
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 The Company maintains federal funds lines with several correspondent banks to address short-term borrowing needs. At December 31, 2021 and 2020 the remaining credit available from these lines totaled $115.0 million and $100.0 million, respectively. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $391.3 million and $374.7 million as of December 31, 2021 and December 31, 2020, respectively. The following table presents total short-term borrowings as of the dates indicated (dollars in thousands): (dollar in thousands) December 31, 2021 December 31, 2020 Overnight repurchase agreements $ 4,536 $ 6,619 Total short-term borrowings $ 4,536 $ 6,619 Maximum month-end outstanding balance $ 12,239 $ 9,080 Average outstanding balance during the period $ 7,293 $ 21,092 Average interest rate (year-to-date) 0.10 % 0.19 % Average interest rate at end of period 0.10 % 0.10 % Long-Term Borrowings At December 31, 2021 and 2020, the Company had $480 thousand and $28.6 million, respectively, outstanding in long-term FRB borrowings under PPPLF which all mature in April, 2022 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%. The Company elected to pay the loan in full during the first quarter of 2021. On July 14, 2021, the Company completed the issuance of $29.4 million, net of issuance costs, or $30.0 million in aggregate principal amount of subordinated notes (the Notes) due in 2031

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2021
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, 2021, only restricted stock had been granted under the Incentive Stock Plan. Restricted stock activity for the year ended December 31, 2021 is summarized below. Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2021 29,576 $ 18.46 Issued 18,048 22.35 Vested (8,521 ) 17.50 Forfeited (668 ) 18.89 Nonvested, December 31, 2021 38,435 $ 20.49 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.51 years. The fair value of restricted stock granted during the year ended December 31, 2021 and 2020 was $403 thousand and $298 thousand, respectively. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $351 thousand as of December 31, 2021 and $254 thousand as of December 31, 2020. Stock-based compensation expense was $294 thousand and $261 thousand for the years ended December 31, 2021 and 2020, 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 2021 and 2020 was set at 5%. Total stock purchases under the ESPP amounted to 4,908 shares during 2021 and 5,819 shares during 2020. At December 31, 2021, the Company had 227,543 remaining shares reserved for issuance under the ESPP.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2021
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 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 2021 2020 Consolidated Statement of Income Available-for-sale securities Realized gains on sales of securities $ - $ 264 Gain on sale of available-for-sale securities, net Tax effect - 55 Income tax expense $ - $ 209 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 Year Ended December 31, 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (2,394 ) (2,394 ) Balance at end of period $ 1,675 $ 1,675 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 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. Years Ended December 31, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,030 ) $ (636 ) $ (2,394 ) Total change in accumulated other comprehensive income, net $ (3,030 ) $ (636 ) $ (2,394 ) Years 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 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, 2021 and 2020: (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, 2021 Net income, basic $ 8,440 5,238 $ 1.61 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 8,440 5,238 $ 1.61 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 The Company had no antidilutive shares in 2021 or 2020. 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, 2021
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, 2021. Annual activity consisted of the following: (dollars in thousands) 2021 2020 Balance, beginning of year $ 4,220 $ 3,910 Additions 1,822 3,531 Reductions (4,153 ) (3,221 ) Balance, end of year $ 1,889 $ 4,220 Deposits from related parties held by the Company at December 31, 2021 and 2020 amounted to $19.8 million and $17.2 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 Current income tax expense $ 1,021 $ 1,155 Deferred income tax expense (benefit) 275 (634 ) Reported income tax expense $ 1,296 $ 521 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) 2021 2020 Expected tax expense $ 2,045 $ 1,241 Interest expense on tax-exempt assets 3 5 Low-income housing tax credit (361 ) (413 ) Tax-exempt interest, net (195 ) (147 ) Bank-owned life insurance (213 ) (176 ) Other, net 17 11 Reported tax expense $ 1,296 $ 521 The effective tax rates for 2021 and 2020 were 13.3% and 8.8%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2021 2020 Deferred tax assets: Allowance for loan losses $ 2,072 $ 2,017 Nonaccrual loans 10 9 Acquisition accounting 5 14 Net operating losses 609 643 Investments in pass-through entities 267 224 Bank owned life insurance benefit 72 68 Securities available-for-sale - - Stock awards 116 97 Deferred compensation 314 397 Deferred loan fees and costs 270 443 Other 66 55 $ 3,801 $ 3,967 Deferred tax liabilities: Premises and equipment $ 481 $ 363 Acquisition accounting 58 67 Deferred loan fees and costs - - Securities available-for-sale 445 1,081 984 1,511 Net deferred tax assets $ 2,817 $ 2,456 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 2018.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 Commitments to extend credit: Home equity lines of credit $ 71,751 $ 66,999 Commercial real estate, construction and development loans committed but not funded 42,683 20,258 Other lines of credit (principally commercial) 52,695 64,329 Total $ 167,129 $ 151,586 Letters of credit $ 3,617 $ 4,841 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 four letters of credit which expire in 2023 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, 2021
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, 2021 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance Assets: Available-for-sale securities U.S. Treasury securities $ 14,904 $ - $ 14,904 $ - Obligations of U.S. Government agencies 38,558 - 38,558 - Obligations of state and political subdivisions 65,803 - 65,803 - Mortgage-backed securities 89,058 - 89,058 - Money market investments 2,413 - 2,413 - Corporate bonds and other securities 23,585 - 23,585 - Total available-for-sale securities 234,321 - 234,321 - Derivatives Interest rate lock 43 - 43 - Interest rate swap on loans 181 - 181 - Total assets $ 234,545 $ - $ 234,545 $ - Liabilities: Derivatives Interest rate swap on loans 181 - 181 - Total liabilities $ 181 $ - $ 181 $ - 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 $ - 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, 2021 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Commercial loans $ 87 $ - $ - $ 87 Total $ 87 $ - $ - $ 87 Loans Loans held for sale $ 3,287 $ - $ 3,287 $ - 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 $ - 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, 2021: Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2021 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Commercial loans $ 87 Market comparables Selling costs 0.00% - 8.00% (7.00 %) 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, 2021 and December 31, 2020. 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, 2021 and 2020 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, 2021 Using Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 187,922 $ 187,922 $ - $ - Securities available-for-sale 234,321 - 234,321 - Restricted securities 1,034 - 1,034 - Loans held for sale 3,287 - 3,287 - Loans, net of allowances for loan losses 833,661 - - 834,693 Derivatives Interest rate lock 43 - 43 - Interest rate swap on loans 181 - 181 - Bank owned life insurance 28,168 - 28,168 - Accrued interest receivable 3,339 - 3,339 - Liabilities Deposits $ 1,177,099 $ - $ 1,179,631 $ - Overnight repurchase agreements 4,536 - 4,536 - Federal Reserve Bank borrowings 480 - 480 - Long term borrowings 29,407 - 29,657 - Derivatives Interest rate swap on loans 181 - 181 - Accrued interest payable 693 - 693 - Fair Value Measurements at December 31, 2020 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs 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 -

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020, 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, 2021, 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, 2021 and 2020 are presented in the table below. 2021 2020 Regulatory Regulatory Minimums December 31, 2021 Minimums December 31, 2020 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 12.57 % 4.500 % 11.69 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 12.57 % 6.000 % 11.69 % Tier 1 Leverage to Average Assets 4.000 % 9.09 % 4.000 % 8.56 % Total Capital to Risk-Weighted Assets 8.000 % 13.61 % 8.000 % 12.77 % Capital Conservation Buffer 2.500 % 5.61 % 2.500 % 4.77 % Risk-Weighted Assets (in thousands) $ 952,218 $ 890,091 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 2022, without approval of the Comptroller, $8.3 million plus an additional amount equal to the Bank’s and Trust’s retained net profits for 2022 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2021
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, 2021 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 42,226 $ 26 $ 9,643 $ (9,643 ) $ 42,252 Income from fiduciary activities - 4,198 - - 4,198 Other income 9,681 1,067 201 (262 ) 10,687 Total operating income 51,907 5,291 9,844 (9,905 ) 57,137 Expenses Interest expense 2,909 - 549 - 3,458 Provision for loan losses 794 - - - 794 Salaries and employee benefits 21,682 3,012 667 - 25,361 Other expenses 16,412 1,131 507 (262 ) 17,788 Total operating expenses 41,797 4,143 1,723 (262 ) 47,401 Income before taxes 10,110 1,148 8,121 (9,643 ) 9,736 Income tax expense (benefit) 1,372 243 (319 ) - 1,296 Net income $ 8,738 $ 905 $ 8,440 $ (9,643 ) $ 8,440 Capital expenditures $ 1,473 $ 41 $ - $ - $ 1,514 Total assets $ 1,330,337 $ 7,227 $ 150,943 $ (150,352 ) $ 1,338,155 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 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, 2021
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) 2021 2020 Assets Cash and cash equivalents $ 20,012 $ 1,203 Securities available-for-sale - - Investment in common stock of subsidiaries 130,123 116,848 Other assets 808 507 Total assets $ 150,943 $ 118,558 Liabilities and Stockholders’ Equity Other borrowings $ 29,407 $ 1,350 Other liability 718 63 Common stock 26,006 25,972 Additional paid-in capital 21,458 21,245 Retained earnings 71,679 65,859 Accumulated other comprehensive income (loss) 1,675 4,069 Total liabilities and stockholders’ equity $ 150,943 $ 118,558 Statements of Income Years Ended December 31, (dollars in thousands) 2021 2020 Income: Dividends from subsidiary $ 3,975 $ 3,425 Other income 201 200 Total income 4,176 3,625 Expenses: Salary and benefits 667 669 Subordinated debt 549 - Legal expenses 274 108 Service fees 146 135 Other operating expenses 87 148 Total expenses 1,723 1,060 Income before income taxes and equity in undistributed net income of subsidiaries 2,453 2,565 Income tax benefit (319 ) (180 ) 2,772 2,745 Equity in undistributed net income of subsidiaries 5,668 2,644 Net income $ 8,440 $ 5,389 Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2021 2020 Cash flows from operating activities: Net income $ 8,440 $ 5,389 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (5,668 ) (2,644 ) Amortization of subordinated debt issuance costs 60 - Stock compensation expense 32 55 (Decrease) increase in other assets (40 ) 8 Increase in other liabilities 655 5 Net cash provided by operating activities 3,479 2,813 Cash flows from investing activities: Cash distributed to subsidiary (10,000 ) - Net cash used in investing activities (10,000 ) - Cash flows from financing activities: Proceeds from sale of stock 103 96 Proceeds from borrowings 29,347 - Repayment of borrowings (1,350 ) (600 ) Repurchase and retirement of common stock (150 ) - Cash dividends paid on common stock (2,620 ) (2,505 ) Net cash provided by (used in) financing activities 25,330 (3,009 ) Net increase (decrease) in cash and cash equivalents 18,809 (196 ) Cash and cash equivalents at beginning of year 1,203 1,399 Cash and cash equivalents at end of year $ 20,012 $ 1,203

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
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, 2021 include probable and estimable losses related to the pandemic. While there have been signals of economic recovery and a resumption of many types of business activity, there remains significant uncertainty in the probable and estimable measurement of these losses. If there are further challenges to the economic recovery, 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, 2021 and 2020, there were $460.1 million and $383.4 million, or 54.5% and 45.8%, 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 4 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, 2021, 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. 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 has no trading securities. 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. Any changes in the application of lower of cost or market accounting 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 $4.6 million, net of direct costs, will be recognized in interest income over the life of the loans, of which $630 thousand remains unrecognized as of December 31, 2021. In 2021 and 2020, the Company recognized $3.2 million and $813 thousand in net loan fees related to PPP loans in interest income on loans in the Consolidated Statement of Income, respectively.
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 and industrial: • Real estate-construction: • Real estate-mortgage • Real estate-commercial: • Consumer loans: • Other loans: 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, 2021 and 2020 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. 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.
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 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 both positive and negative 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 2021 or 2020.
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 2021 and 2020 was $217 thousand and $230 thousand, respectively.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income, net of tax. Other comprehensive income, 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. The new standard will be effective for the Company beginning on January 1, 2023. The amendments of ASC 326, upon adoption, will be applied on a modified retrospective basis, with the cumulative effect of adopting the new standard being recorded as an adjustment to opening retained earnings in the period of adoption. The Company has established a committee to oversee the adoption of ASC 326. The Company has engaged a vendor to assist in modeling expected lifetime losses under ASC 326, gathered historical loan loss data for purposes of evaluating appropriate portfolio segmentation and modeling methods under the standard, performed procedures to validate the historical loan loss data to ensure its suitability and reliability for purposes of developing an estimate of expected credit losses under ASC 326, and is continuing to develop and refine an approach to estimating the allowance for credit losses. The adoption of ASC 326 will result in significant changes to the Company’s consolidated financial statements, which may include changes in the level of the allowance for credit losses that will be considered adequate, a reduction in total equity and regulatory capital of the Bank, differences in the timing of recognizing changes to the allowance for credit losses and expanded disclosures about the allowance for credit losses. The Company has not yet determined an estimate of the effect of these changes. The adoption of the standard will also result in significant changes in the Company’s internal control over financial reporting related to the allowance for credit losses. 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.

Securities Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 15,052 $ - $ (148 ) $ 14,904 Obligations of U.S. Government agencies 38,651 75 (168 ) 38,558 Obligations of state and political subdivisions 64,132 1,948 (277 ) 65,803 Mortgage-backed securities 88,511 1,348 (801 ) 89,058 Money market investments 2,413 - - 2,413 Corporate bonds and other securities 23,441 261 (117 ) 23,585 $ 232,200 $ 3,632 $ (1,511 ) $ 234,321 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 political 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
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, 2021 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 200 $ 195 Due after one year through five years 13,045 13,341 Due after five through ten years 69,739 70,559 Due after ten years 146,803 147,813 Other securities, restricted 2,413 2,413 $ 232,200 $ 234,321
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) 2021 2020 Securities Available-for-sale Realized gains on sales of securities $ - $ 265 Realized losses on sales of securities - (1 ) Net realized gain $ - $ 264
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, 2021 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value U.S. Treasury securities $ 148 $ 14,904 $ - $ - $ 148 $ 14,904 Obligations of U.S. Government agencies 131 19,181 37 5,042 168 24,223 Obligations of state and political subdivisions 277 20,673 - - 277 20,673 Mortgage-backed securities 608 35,882 193 6,450 801 42,332 Corporate bonds and other securities 117 9,833 - - 117 9,833 Total securities available-for-sale $ 1,281 $ 100,473 $ 230 $ 11,492 $ 1,511 $ 111,965 December 31, 2020 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value Obligations of U.S. Government agencies $ 8 $ 2,810 $ 189 $ 17,191 $ 197 $ 20,001 Mortgage-backed securities 118 14,291 6 1,285 124 15,576 Corporate bonds and other securities 22 5,977 - - 22 5,977 Total securities available-for-sale $ 148 $ 23,078 $ 195 $ 18,476 $ 343 $ 41,554

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 December 31, 2020 Mortgage loans on real estate: Residential 1-4 family $ 130,776 $ 122,800 Commercial - owner occupied 198,413 153,955 Commercial - non-owner occupied 184,190 162,896 Multifamily 19,050 22,812 Construction 58,440 43,732 Second mortgages 7,877 11,178 Equity lines of credit 48,665 50,746 Total mortgage loans on real estate 647,411 568,119 Commercial and industrial loans 68,690 141,746 Consumer automobile loans 85,023 80,390 Other consumer loans 33,418 37,978 Other (1) 8,984 8,067 Total loans, net of deferred fees 843,526 836,300 Less: Allowance for loan losses 9,865 9,541 Loans, net of allowance and deferred fees (2) $ 833,661 $ 826,759 (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 $304 thousand and $271 thousand at December 31, 2021 and 2020, respectively. (2) Net deferred loan costs totaled $1.3 million and $2.1 million at December 31, 2021 and 2020, 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, 2021 December 31, 2020 Outstanding principal balance $ 5,087 $ 8,671 Carrying amount 5,087 8,602 The Company did not have any outstanding principal balance or related carrying amount of purchased credit-impaired loans as of December 31, 2021 and 2020, respectively. 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, 2021 December 31, 2020 Balance at January 1 $ - $ 72 Accretion - (156 ) Other changes, net - 84 Balance at end of period $ - $ -
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, 2021 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 130,584 $ - $ 192 $ - $ 130,776 Commercial - owner occupied 195,512 788 2,113 - 198,413 Commercial - non-owner occupied 183,093 434 663 - 184,190 Multifamily 19,050 - - - 19,050 Construction 57,224 218 998 - 58,440 Second mortgages 7,877 - - - 7,877 Equity lines of credit 48,665 - - - 48,665 Total mortgage loans on real estate $ 642,005 $ 1,440 $ 3,966 $ - $ 647,411 Commercial and industrial loans 68,261 - 429 - 68,690 Consumer automobile loans 85,002 - 21 - 85,023 Other consumer loans 33,418 - - - 33,418 Other 8,984 - - - 8,984 Total $ 837,670 $ 1,440 $ 4,416 $ - $ 843,526 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
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, 2021 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 120 $ - $ - $ 191 $ 130,465 $ 130,776 Commercial - owner occupied - - - - 198,413 198,413 Commercial - non-owner occupied - - - 113 184,077 184,190 Multifamily - - - - 19,050 19,050 Construction - - - - 58,440 58,440 Second mortgages 24 - - - 7,853 7,877 Equity lines of credit 51 - - - 48,614 48,665 Total mortgage loans on real estate $ 195 $ - $ - $ 304 $ 646,912 $ 647,411 Commercial and industrial loans 37 - 169 174 68,310 68,690 Consumer automobile loans 814 118 296 - 83,795 85,023 Other consumer loans 1,284 439 550 - 31,145 33,418 Other 31 3 10 - 8,940 8,984 Total $ 2,361 $ 560 $ 1,025 $ 478 $ 839,102 $ 843,526 (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 small business and student 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 $1.4 million at December 31, 2021. 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 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.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: (dollars in thousands) December 31, 2021 December 31, 2020 Mortgage loans on real estate: Residential 1-4 family $ 191 $ 311 Commercial - owner occupied - 903 Commercial - non-owner occupied 113 - Total mortgage loans on real estate 304 1,214 Commercial and industrial loans 174 - Consumer loans - - Total $ 478 $ 1,214
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) 2021 2020 Interest income that would have been recorded under original loan terms $ 11 $ 45 Actual interest income recorded for the period 2 34 Reduction in interest income on nonaccrual loans $ 9 $ 11
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. For the Year Ended As of December 31, 2021 December 31, 2021 (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 $ 353 $ 25 $ 300 $ 30 $ 328 $ 7 Commercial 610 178 413 8 601 1 Construction 80 79 - - 80 4 Second mortgages 127 - 125 3 126 5 Total mortgage loans on real estate 1,170 282 838 41 1,135 17 Commercial and industrial loans 188 - 174 87 181 17 Other consumer loans 9 7 - - 8 - Total $ 1,367 $ 289 $ 1,012 $ 128 $ 1,324 $ 34 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
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, 2021 (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 $ 650 $ 339 $ 2,560 $ 4,434 $ 1,302 $ 123 $ 133 $ 9,541 Charge-offs (27 ) - (14 ) - (800 ) (278 ) - (1,119 ) Recoveries 41 - 76 44 390 98 - 649 Provision for loan losses 19 120 (232 ) 309 470 241 (133 ) 794 Ending Balance $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Individually evaluated for impairment $ 87 $ - $ 33 $ 8 $ - $ - $ - $ 128 Collectively evaluated for impairment 596 459 2,357 4,779 1,362 184 - 9,737 Ending Balance $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Loans Balances: Individually evaluated for impairment 174 79 450 591 7 - - 1,301 Collectively evaluated for impairment 68,516 58,361 205,918 382,012 118,434 8,984 - 842,225 Ending Balance $ 68,690 $ 58,440 $ 206,368 $ 382,603 $ 118,441 $ 8,984 $ - $ 843,526 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 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 Ending Balance $ 141,746 $ 43,732 $ 207,536 $ 316,851 $ 118,368 $ 8,067 $ - $ 836,300 (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, 2021
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. An analysis of the balance in OREO is as follows: Years Ended December 31, (dollars in thousands) 2021 2020 Balance at beginning of year $ - $ - Transfers to OREO due to foreclosure - 254 Properties sold - (254 ) Balance at end of year $ - $ -
Expenses Applicable to Foreclosed Assets	Expenses applicable to OREO include the following: Years Ended December 31, (dollars in thousands) 2021 2020 Net gain on sales of real estate $ - $ 62 Operating expenses, net of income (1) - (20 ) 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, 2021
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment consisted of the following at December 31: Years Ended December 31, (dollars in thousands) 2021 2020 Land $ 7,270 $ 7,709 Buildings 36,418 37,530 Construction in process 279 239 Leashold improvements 867 867 Furniture, fixtures and equipment 21,991 21,235 66,825 67,580 Less accumulated depreciation and amortization 34,691 33,967 Balance at end of year $ 32,134 $ 33,613

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Information about Leases	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2021 Lease liabilities $ 1,041 Right-of-use assets $ 1,017 Weighted average remaining lease term 3.64 years Weighted average discount rate 1.73 %
Lease Cost	Years Ended December 31, Lease cost 2021 2020 Operating lease cost $ 347 $ 380 Total lease cost $ 347 $ 380 Cash paid for amounts included in the measurement of lease liabilities $ 351 $ 377
Maturity of Operating Lease Liabilities	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: Lease payments due As of Twelve months ending December 31, 2022 $ 339 Twelve months ending December 31, 2023 248 Twelve months ending December 31, 2024 240 Twelve months ending December 31, 2025 193 Thereafter 70 Total undiscounted cash flows $ 1,090 Discount (49 ) Lease liabilities $ 1,041

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 2020 Tax credits and other benefits Amortization of operating losses $ 410 $ 688 Tax benefit of operating losses* 86 144 Tax credits 361 419 Total tax benefits $ 447 $ 563 * Computed using a 21% tax rate.

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Maturities of Time Deposits	At December 31, 2021 the scheduled maturities of time deposits (in thousands) are as follows: (dollars in thousands) 2022 $ 99,749 2023 39,040 2024 15,095 2025 7,680 2026 7,554 Balance at end of year $ 169,118

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 December 31, 2020 Overnight repurchase agreements $ 4,536 $ 6,619 Total short-term borrowings $ 4,536 $ 6,619 Maximum month-end outstanding balance $ 12,239 $ 9,080 Average outstanding balance during the period $ 7,293 $ 21,092 Average interest rate (year-to-date) 0.10 % 0.19 % Average interest rate at end of period 0.10 % 0.10 %

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2021
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the year ended December 31, 2021 is summarized below. Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2021 29,576 $ 18.46 Issued 18,048 22.35 Vested (8,521 ) 17.50 Forfeited (668 ) 18.89 Nonvested, December 31, 2021 38,435 $ 20.49

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2021
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 2021 2020 Consolidated Statement of Income Available-for-sale securities Realized gains on sales of securities $ - $ 264 Gain on sale of available-for-sale securities, net Tax effect - 55 Income tax expense $ - $ 209
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 Year Ended December 31, 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (2,394 ) (2,394 ) Balance at end of period $ 1,675 $ 1,675 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
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. Years Ended December 31, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,030 ) $ (636 ) $ (2,394 ) Total change in accumulated other comprehensive income, net $ (3,030 ) $ (636 ) $ (2,394 ) Years 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
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, 2021 and 2020: (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, 2021 Net income, basic $ 8,440 5,238 $ 1.61 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 8,440 5,238 $ 1.61 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

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Annual Activity	Annual activity consisted of the following: (dollars in thousands) 2021 2020 Balance, beginning of year $ 4,220 $ 3,910 Additions 1,822 3,531 Reductions (4,153 ) (3,221 ) Balance, end of year $ 1,889 $ 4,220

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 Current income tax expense $ 1,021 $ 1,155 Deferred income tax expense (benefit) 275 (634 ) Reported income tax expense $ 1,296 $ 521
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) 2021 2020 Expected tax expense $ 2,045 $ 1,241 Interest expense on tax-exempt assets 3 5 Low-income housing tax credit (361 ) (413 ) Tax-exempt interest, net (195 ) (147 ) Bank-owned life insurance (213 ) (176 ) Other, net 17 11 Reported tax expense $ 1,296 $ 521
Components of Net Deferred Tax Asset	The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2021 2020 Deferred tax assets: Allowance for loan losses $ 2,072 $ 2,017 Nonaccrual loans 10 9 Acquisition accounting 5 14 Net operating losses 609 643 Investments in pass-through entities 267 224 Bank owned life insurance benefit 72 68 Securities available-for-sale - - Stock awards 116 97 Deferred compensation 314 397 Deferred loan fees and costs 270 443 Other 66 55 $ 3,801 $ 3,967 Deferred tax liabilities: Premises and equipment $ 481 $ 363 Acquisition accounting 58 67 Deferred loan fees and costs - - Securities available-for-sale 445 1,081 984 1,511 Net deferred tax assets $ 2,817 $ 2,456

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 Commitments to extend credit: Home equity lines of credit $ 71,751 $ 66,999 Commercial real estate, construction and development loans committed but not funded 42,683 20,258 Other lines of credit (principally commercial) 52,695 64,329 Total $ 167,129 $ 151,586 Letters of credit $ 3,617 $ 4,841

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance Assets: Available-for-sale securities U.S. Treasury securities $ 14,904 $ - $ 14,904 $ - Obligations of U.S. Government agencies 38,558 - 38,558 - Obligations of state and political subdivisions 65,803 - 65,803 - Mortgage-backed securities 89,058 - 89,058 - Money market investments 2,413 - 2,413 - Corporate bonds and other securities 23,585 - 23,585 - Total available-for-sale securities 234,321 - 234,321 - Derivatives Interest rate lock 43 - 43 - Interest rate swap on loans 181 - 181 - Total assets $ 234,545 $ - $ 234,545 $ - Liabilities: Derivatives Interest rate swap on loans 181 - 181 - Total liabilities $ 181 $ - $ 181 $ - 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 $ -
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, 2021 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Commercial loans $ 87 $ - $ - $ 87 Total $ 87 $ - $ - $ 87 Loans Loans held for sale $ 3,287 $ - $ 3,287 $ - 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 $ -
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, 2021: Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2021 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Commercial loans $ 87 Market comparables Selling costs 0.00% - 8.00% (7.00 %)
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, 2021 Using Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 187,922 $ 187,922 $ - $ - Securities available-for-sale 234,321 - 234,321 - Restricted securities 1,034 - 1,034 - Loans held for sale 3,287 - 3,287 - Loans, net of allowances for loan losses 833,661 - - 834,693 Derivatives Interest rate lock 43 - 43 - Interest rate swap on loans 181 - 181 - Bank owned life insurance 28,168 - 28,168 - Accrued interest receivable 3,339 - 3,339 - Liabilities Deposits $ 1,177,099 $ - $ 1,179,631 $ - Overnight repurchase agreements 4,536 - 4,536 - Federal Reserve Bank borrowings 480 - 480 - Long term borrowings 29,407 - 29,657 - Derivatives Interest rate swap on loans 181 - 181 - Accrued interest payable 693 - 693 - Fair Value Measurements at December 31, 2020 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs 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 -

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	The Bank’s actual capital amounts and ratios as of December 31, 2021 and 2020 are presented in the table below. 2021 2020 Regulatory Regulatory Minimums December 31, 2021 Minimums December 31, 2020 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 12.57 % 4.500 % 11.69 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 12.57 % 6.000 % 11.69 % Tier 1 Leverage to Average Assets 4.000 % 9.09 % 4.000 % 8.56 % Total Capital to Risk-Weighted Assets 8.000 % 13.61 % 8.000 % 12.77 % Capital Conservation Buffer 2.500 % 5.61 % 2.500 % 4.77 % Risk-Weighted Assets (in thousands) $ 952,218 $ 890,091

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 42,226 $ 26 $ 9,643 $ (9,643 ) $ 42,252 Income from fiduciary activities - 4,198 - - 4,198 Other income 9,681 1,067 201 (262 ) 10,687 Total operating income 51,907 5,291 9,844 (9,905 ) 57,137 Expenses Interest expense 2,909 - 549 - 3,458 Provision for loan losses 794 - - - 794 Salaries and employee benefits 21,682 3,012 667 - 25,361 Other expenses 16,412 1,131 507 (262 ) 17,788 Total operating expenses 41,797 4,143 1,723 (262 ) 47,401 Income before taxes 10,110 1,148 8,121 (9,643 ) 9,736 Income tax expense (benefit) 1,372 243 (319 ) - 1,296 Net income $ 8,738 $ 905 $ 8,440 $ (9,643 ) $ 8,440 Capital expenditures $ 1,473 $ 41 $ - $ - $ 1,514 Total assets $ 1,330,337 $ 7,227 $ 150,943 $ (150,352 ) $ 1,338,155 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

Condensed Financial Statement_2

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 Assets Cash and cash equivalents $ 20,012 $ 1,203 Securities available-for-sale - - Investment in common stock of subsidiaries 130,123 116,848 Other assets 808 507 Total assets $ 150,943 $ 118,558 Liabilities and Stockholders’ Equity Other borrowings $ 29,407 $ 1,350 Other liability 718 63 Common stock 26,006 25,972 Additional paid-in capital 21,458 21,245 Retained earnings 71,679 65,859 Accumulated other comprehensive income (loss) 1,675 4,069 Total liabilities and stockholders’ equity $ 150,943 $ 118,558
Statements of Income	Statements of Income Years Ended December 31, (dollars in thousands) 2021 2020 Income: Dividends from subsidiary $ 3,975 $ 3,425 Other income 201 200 Total income 4,176 3,625 Expenses: Salary and benefits 667 669 Subordinated debt 549 - Legal expenses 274 108 Service fees 146 135 Other operating expenses 87 148 Total expenses 1,723 1,060 Income before income taxes and equity in undistributed net income of subsidiaries 2,453 2,565 Income tax benefit (319 ) (180 ) 2,772 2,745 Equity in undistributed net income of subsidiaries 5,668 2,644 Net income $ 8,440 $ 5,389
Statements of Cash Flows	Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2021 2020 Cash flows from operating activities: Net income $ 8,440 $ 5,389 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (5,668 ) (2,644 ) Amortization of subordinated debt issuance costs 60 - Stock compensation expense 32 55 (Decrease) increase in other assets (40 ) 8 Increase in other liabilities 655 5 Net cash provided by operating activities 3,479 2,813 Cash flows from investing activities: Cash distributed to subsidiary (10,000 ) - Net cash used in investing activities (10,000 ) - Cash flows from financing activities: Proceeds from sale of stock 103 96 Proceeds from borrowings 29,347 - Repayment of borrowings (1,350 ) (600 ) Repurchase and retirement of common stock (150 ) - Cash dividends paid on common stock (2,620 ) (2,505 ) Net cash provided by (used in) financing activities 25,330 (3,009 ) Net increase (decrease) in cash and cash equivalents 18,809 (196 ) Cash and cash equivalents at beginning of year 1,203 1,399 Cash and cash equivalents at end of year $ 20,012 $ 1,203

Significant Accounting Polici_3

Significant Accounting Policies, The Company (Details)	Dec. 31, 2021SubsidiaryBranch
THE COMPANY [Abstract]
Number of subsidiaries | Subsidiary	2
Number of branch offices	16
Number of closed branches	2

Significant Accounting Polici_4

Significant Accounting Policies, Significant Group Concentrations of Credit Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 843,526	$ 836,300
Commercial Real Estate [Member] | Lender Concentration Risk [Member] | Commercial Real Estate and Other Customers [Member]
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 460,100	$ 383,400
Percentage of concentration risk	54.50%	45.80%

Significant Accounting Polici_5

Significant Accounting Policies, Interest-bearing Deposits in Banks (Details)	12 Months Ended
	Dec. 31, 2021
INTEREST-BEARING DEPOSITS IN BANKS [Abstract]
Maturity period of interest bearing deposits	1 year

Significant Accounting Polici_6

Significant Accounting Policies, Paycheck Protection Program (Details) - PPP Loans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
PAYCHECK PROTECTION PROGRAM [Abstract]
Aggregate fees from SBA, net of direct cost	$ 4,600
Unrecognized fee amount	630
Recognized fee amount	$ 3,200	$ 813
Minimum [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Percentage of fee received from Small Business Administration (SBA)	1.00%
Maximum [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Percentage of fee received from Small Business Administration (SBA)	5.00%

Significant Accounting Polici_7

Significant Accounting Policies, Allowance for Loan Losses (Details)	Dec. 31, 2021qtrPeriod	Dec. 31, 2020qtrPeriod
ALLOWANCE FOR LOAN LOSSES [Abstract]
Number of migration periods | Period	8	8
Number of quarters remains on migration period | qtr	12	12

Significant Accounting Polici_8

Significant Accounting Policies, Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2021
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

Significant Accounting Polici_9

Significant Accounting Policies, Income Taxes (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
INCOME TAXES [Abstract]
Uncertain tax positions	$ 0	$ 0

Significant Accounting Polic_10

Significant Accounting Policies, Advertising Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
ADVERTISING EXPENSE [Abstract]
Advertising expense	$ 217	$ 230

Restrictions on Cash and Amou_2

Restrictions on Cash and Amounts Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
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	$ 3.9	$ 9.8

Securities Portfolio (Details)

Securities Portfolio (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Security	Dec. 31, 2020USD ($)Security
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 232,200	$ 181,259
Gross unrealized gains	3,632	5,493
Gross unrealized (losses)	(1,511)	(343)
Fair value	$ 234,321	186,409
Number of securities exceeding ten percent of stockholders' equity | Security	0
Impairment charges recorded through income on securities	$ 0	0
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	200
Due after one year through five years	13,045
Due after five through ten years	69,739
Due after ten years	146,803
Other securities, restricted	2,413
Total securities	232,200	181,259
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	195
Due after one year through five years	13,341
Due after five through ten years	70,559
Due after ten years	147,813
Other securities, restricted	2,413
Total securities	234,321	186,409
Securities Available-for-sale [Abstract]
Realized gains on sales of securities	0	265
Realized losses on sales of securities	0	(1)
Net realized gain	0	264
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	1,281	148
More Than Twelve Months	230	195
Total	1,511	343
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	100,473	23,078
More Than Twelve Months	11,492	18,476
Total	111,965	41,554
Collateral Pledged [Member]
Debt Securities, Available-for-sale [Abstract]
Securities pledged as collateral	59,300	69,400
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	15,052	6,980
Gross unrealized gains	0	63
Gross unrealized (losses)	(148)	0
Fair value	14,904	7,043
Available-for-Sale, Amortized Cost [Abstract]
Total securities	15,052	6,980
Available-for-Sale, Fair Value [Abstract]
Total securities	14,904	7,043
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	148
More Than Twelve Months	0
Total	148
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	14,904
More Than Twelve Months	0
Total	14,904
Obligations of US Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	38,651	36,858
Gross unrealized gains	75	35
Gross unrealized (losses)	(168)	(197)
Fair value	38,558	36,696
Available-for-Sale, Amortized Cost [Abstract]
Total securities	38,651	36,858
Available-for-Sale, Fair Value [Abstract]
Total securities	38,558	36,696
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	131	8
More Than Twelve Months	37	189
Total	168	197
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	19,181	2,810
More Than Twelve Months	5,042	17,191
Total	24,223	20,001
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	64,132	43,517
Gross unrealized gains	1,948	2,478
Gross unrealized (losses)	(277)	0
Fair value	65,803	45,995
Available-for-Sale, Amortized Cost [Abstract]
Total securities	64,132	43,517
Available-for-Sale, Fair Value [Abstract]
Total securities	65,803	45,995
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	277
More Than Twelve Months	0
Total	277
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	20,673
More Than Twelve Months	0
Total	20,673
Mortgage-Backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	88,511	70,866
Gross unrealized gains	1,348	2,759
Gross unrealized (losses)	(801)	(124)
Fair value	89,058	73,501
Available-for-Sale, Amortized Cost [Abstract]
Total securities	88,511	70,866
Available-for-Sale, Fair Value [Abstract]
Total securities	89,058	73,501
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	608	118
More Than Twelve Months	193	6
Total	801	124
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	35,882	14,291
More Than Twelve Months	6,450	1,285
Total	42,332	15,576
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	2,413	4,743
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	2,413	4,743
Available-for-Sale, Amortized Cost [Abstract]
Total securities	2,413	4,743
Available-for-Sale, Fair Value [Abstract]
Total securities	2,413	4,743
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	23,441	18,295
Gross unrealized gains	261	158
Gross unrealized (losses)	(117)	(22)
Fair value	23,585	18,431
Available-for-Sale, Amortized Cost [Abstract]
Total securities	23,441	18,295
Available-for-Sale, Fair Value [Abstract]
Total securities	23,585	18,431
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	117	22
More Than Twelve Months	0	0
Total	117	22
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	9,833	5,977
More Than Twelve Months	0	0
Total	9,833	5,977
Government Agency Obligations and Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Gross unrealized (losses)	(230)	(195)
Fair value	11,500	18,500
Available-for-Sale, Fair Value [Abstract]
Total securities	$ 11,500	$ 18,500
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	9	12

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses, Outstanding Loans By Segment Type (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		$ 843,526	$ 836,300
Less: Allowance for loan losses		9,865	9,541
Loans, net of allowance and deferred fees	[1]	833,661	826,759
Overdrawn accounts, excluding internal use accounts		304	271
Net deferred loan costs		1,300	2,100
Mortgage Loans on Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		647,411	568,119
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		130,776	122,800
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		382,603	316,851
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		198,413	153,955
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		184,190	162,896
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		19,050	22,812
Mortgage Loans on Real Estate [Member] | Construction [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		58,440	43,732
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		7,877	11,178
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		48,665	50,746
Commercial [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		68,690	141,746
Commercial [Member] | Commercial and Industrial Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		68,690	141,746
Consumer [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[2]	118,441	118,368
Consumer [Member] | Consumer Automobile Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		85,023	80,390
Consumer [Member] | Other Consumer Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		33,418	37,978
Other [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[3]	$ 8,984	$ 8,067
[1]	Net deferred loan costs totaled $1.3 million and $2.1 million at December 31, 2021 and 2020, respectively.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $304 thousand and $271 thousand at December 31, 2021 and 2020, respectively.

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Acquired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Acquired Loans Included in Consolidated Balance Sheet [Abstract]
Outstanding principal balance	$ 5,087	$ 8,671
Carrying amount	5,087	8,602
Acquired Loans Accounted for Under FASB ASC 310-30 [Abstract]
Outstanding principal balance	0	0
Carrying amount	0	0
Acquired Loans Accounted for under FASB ASC 310-30 Changes in Accretable Yield [Roll Forward]
Balance at beginning of period	0	72
Accretion	0	(156)
Other changes, net	0	84
Balance at end of period	$ 0	$ 0

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Receivables [Abstract]
Gross loans receivable		$ 843,526	$ 836,300
Pass [Member]
Receivables [Abstract]
Gross loans receivable		837,670	828,410
OAEM [Member]
Receivables [Abstract]
Gross loans receivable		1,440	4,563
Substandard [Member]
Receivables [Abstract]
Gross loans receivable		4,416	3,327
Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Gross loans receivable		647,411	568,119
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		642,005	560,977
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		1,440	4,208
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		3,966	2,934
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		130,776	122,800
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		130,584	122,621
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		192	179
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 Real Estate [Member]
Receivables [Abstract]
Gross loans receivable		382,603	316,851
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Receivables [Abstract]
Gross loans receivable		198,413	153,955
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		195,512	148,738
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		788	2,462
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		2,113	2,755
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		184,190	162,896
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		183,093	162,148
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		434	748
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		663	0
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		19,050	22,812
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		19,050	22,812
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		58,440	43,732
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		57,224	42,734
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		218	998
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		998	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		7,877	11,178
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		7,877	11,178
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	0
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		48,665	50,746
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		48,665	50,746
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		68,690	141,746
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Gross loans receivable		68,690	141,746
Commercial [Member] | Commercial and Industrial Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		68,261	141,391
Commercial [Member] | Commercial and Industrial Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	355
Commercial [Member] | Commercial and Industrial Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		429	0
Commercial [Member] | Commercial and Industrial Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member]
Receivables [Abstract]
Gross loans receivable	[1]	118,441	118,368
Consumer [Member] | Consumer Automobile Loans [Member]
Receivables [Abstract]
Gross loans receivable		85,023	80,390
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		85,002	79,997
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		21	393
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		33,418	37,978
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		33,418	37,978
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]	8,984	8,067
Other [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		8,984	8,067
Other [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		$ 0	$ 0
[1]	The consumer segment includes consumer automobile loans.
[2]	Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $304 thousand and $271 thousand at December 31, 2021 and 2020, respectively.

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Loans, Aging [Abstract]
Total Loans		$ 843,526	$ 836,300
Nonaccrual	[1]	478	1,214
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	478	1,214
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		11	45
Actual interest income recorded for the period		2	34
Reduction in interest income on non accrual loans		9	11
30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		2,361	3,575
60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		560	1,000
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		1,025	744
Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	839,102	829,767
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Nonaccrual		174	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		174	0
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Total Loans		$ 1,400	$ 1,200
Guaranteed Student Loans [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97.00%	97.00%
Guaranteed Student Loans [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		100.00%	98.00%
Guaranteed Student Loans [Member] | 90 or More Days Past Due [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97.00%	97.00%
Guaranteed Student Loans [Member] | 90 or More Days Past Due [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		100.00%	98.00%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Total Loans		$ 647,411	$ 568,119
Nonaccrual	[1]	304	1,214
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	304	1,214
Mortgage Loans on Real Estate [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		195	519
Mortgage Loans on Real Estate [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	252
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	646,912	566,134
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Total Loans		130,776	122,800
Nonaccrual	[1]	191	311
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	191	311
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		120	478
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	164
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	130,465	121,847
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Total Loans		198,413	153,955
Nonaccrual	[1]	0	903
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	903
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	198,413	153,052
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Total Loans		184,190	162,896
Nonaccrual	[1]	113	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	113	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	184,077	162,896
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Total Loans		19,050	22,812
Nonaccrual	[1]	0	0
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]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	19,050	22,812
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans, Aging [Abstract]
Total Loans		58,440	43,732
Nonaccrual	[1]	0	0
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]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	88
Mortgage Loans on Real Estate [Member] | Construction [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	58,440	43,644
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Total Loans		7,877	11,178
Nonaccrual	[1]	0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		24	41
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	7,853	11,137
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Total Loans		48,665	50,746
Nonaccrual	[1]	0	0
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]
Total Loans		51	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	48,614	50,746
Commercial [Member] | Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Total Loans		68,690	141,746
Nonaccrual	[1]	174	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	174	0
Commercial [Member] | Commercial and Industrial Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		37	753
Commercial [Member] | Commercial and Industrial Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Commercial [Member] | Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		169	0
Commercial [Member] | Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	68,310	140,993
Consumer [Member]
Loans, Aging [Abstract]
Nonaccrual		0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0	0
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Total Loans		85,023	80,390
Nonaccrual	[1]	0	0
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]
Total Loans		814	1,159
Consumer [Member] | Consumer Automobile Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		118	190
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		296	196
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	83,795	78,845
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Total Loans		33,418	37,978
Nonaccrual	[1]	0	0
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]
Total Loans		1,284	1,120
Consumer [Member] | Other Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		439	555
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		550	548
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	31,145	35,755
Other [Member]
Loans, Aging [Abstract]
Total Loans		8,984	8,067
Nonaccrual	[1]	0	0
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]
Total Loans		31	24
Other [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		3	3
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		10	0
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	$ 8,940	$ 8,040
[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.

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Contract	Dec. 31, 2020USD ($)ContractModification
Receivables [Abstract]
Number of Modifications | Contract	0	3
Number of modifications sold | Modification		2
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	0
COVID-19 [Member]
COVID-19 [Abstract]
Loan modifications	$ 0	$ 7,400

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Receivables [Abstract]
Unpaid Principal Balance	$ 1,367	$ 4,200
Recorded Investment, Without Valuation Allowance	289	1,692
Recorded Investment, With Valuation Allowance	1,012	424
Associated Allowance	128	11
Average Recorded Investment	1,324	3,257
Interest Income Recognized	34	67
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	1,170	4,180
Recorded Investment, Without Valuation Allowance	282	1,672
Recorded Investment, With Valuation Allowance	838	424
Associated Allowance	41	11
Average Recorded Investment	1,135	3,235
Interest Income Recognized	17	66
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	353	474
Recorded Investment, Without Valuation Allowance	25	366
Recorded Investment, With Valuation Allowance	300	87
Associated Allowance	30	1
Average Recorded Investment	328	458
Interest Income Recognized	7	10
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	610	3,490
Recorded Investment, Without Valuation Allowance	178	1,306
Recorded Investment, With Valuation Allowance	413	121
Associated Allowance	8	1
Average Recorded Investment	601	2,559
Interest Income Recognized	1	46
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	80	83
Recorded Investment, Without Valuation Allowance	79	0
Recorded Investment, With Valuation Allowance	0	83
Associated Allowance	0	0
Average Recorded Investment	80	84
Interest Income Recognized	4	5
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Unpaid Principal Balance	127	133
Recorded Investment, Without Valuation Allowance	0	0
Recorded Investment, With Valuation Allowance	125	133
Associated Allowance	3	9
Average Recorded Investment	126	134
Interest Income Recognized	5	5
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	188	6
Recorded Investment, Without Valuation Allowance	0	6
Recorded Investment, With Valuation Allowance	174	0
Associated Allowance	87	0
Average Recorded Investment	181	7
Interest Income Recognized	17	0
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	9	14
Recorded Investment, Without Valuation Allowance	7	14
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	8	15
Interest Income Recognized	$ 0	$ 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, 2021	Dec. 31, 2020
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		$ 9,541	$ 9,660
Charge-offs		(1,119)	(2,005)
Recoveries		649	886
Provision for loan losses		794	1,000
Ending balance		9,865	9,541
Individually evaluated for impairment		128	11
Collectively evaluated for impairment		9,737	9,530
Ending balance		9,865	9,541
Loans Balances [Abstract]
Individually evaluated for impairment		1,301	2,116
Collectively evaluated for impairment		842,225	834,184
Ending balance		843,526	836,300
Commercial and Industrial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		650	1,244
Charge-offs		(27)	(25)
Recoveries		41	47
Provision for loan losses		19	(616)
Ending balance		683	650
Individually evaluated for impairment		87	0
Collectively evaluated for impairment		596	650
Ending balance		683	650
Loans Balances [Abstract]
Individually evaluated for impairment		174	6
Collectively evaluated for impairment		68,516	141,740
Ending balance		68,690	141,746
Real Estate [Member]
Loans Balances [Abstract]
Ending balance		647,411	568,119
Real Estate [Member] | Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		339	258
Charge-offs		0	0
Recoveries		0	10
Provision for loan losses		120	71
Ending balance		459	339
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		459	339
Ending balance		459	339
Loans Balances [Abstract]
Individually evaluated for impairment		79	83
Collectively evaluated for impairment		58,361	43,649
Ending balance		58,440	43,732
Real Estate [Member] | Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[1]	2,560	2,505
Charge-offs	[1]	(14)	(149)
Recoveries	[1]	76	69
Provision for loan losses	[1]	(232)	135
Ending balance	[1]	2,390	2,560
Individually evaluated for impairment	[1]	33	10
Collectively evaluated for impairment	[1]	2,357	2,550
Ending balance	[1]	2,390	2,560
Loans Balances [Abstract]
Individually evaluated for impairment	[1]	450	586
Collectively evaluated for impairment	[1]	205,918	206,950
Ending balance	[1]	206,368	207,536
Real Estate [Member] | Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		4,434	3,663
Charge-offs		0	(654)
Recoveries		44	317
Provision for loan losses		309	1,108
Ending balance		4,787	4,434
Individually evaluated for impairment		8	1
Collectively evaluated for impairment		4,779	4,433
Ending balance		4,787	4,434
Loans Balances [Abstract]
Individually evaluated for impairment		591	1,427
Collectively evaluated for impairment		382,012	315,424
Ending balance		382,603	316,851
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[2]	1,302	1,694
Charge-offs	[2]	(800)	(822)
Recoveries	[2]	390	377
Provision for loan losses	[2]	470	53
Ending balance	[2]	1,362	1,302
Individually evaluated for impairment	[2]	0	0
Collectively evaluated for impairment	[2]	1,362	1,302
Ending balance	[2]	1,362	1,302
Loans Balances [Abstract]
Individually evaluated for impairment	[2]	7	14
Collectively evaluated for impairment	[2]	118,434	118,354
Ending balance	[2]	118,441	118,368
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		123	296
Charge-offs		(278)	(355)
Recoveries		98	66
Provision for loan losses		241	116
Ending balance		184	123
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		184	123
Ending balance		184	123
Loans Balances [Abstract]
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		8,984	8,067
Ending balance	[3]	8,984	8,067
Unallocated [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		133	0
Charge-offs		0	0
Recoveries		0	0
Provision for loan losses		(133)	133
Ending balance		0	133
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		0	133
Ending balance		0	133
Loans Balances [Abstract]
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		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 catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $304 thousand and $271 thousand at December 31, 2021 and 2020, respectively.

Other Real Estate Owned (OREO_2

Other Real Estate Owned (OREO) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Analysis of balance in OREO [Roll Forward]
Balance at beginning of year		$ 0	$ 0
Transfers to OREO due to foreclosure		0	254
Properties sold		0	(254)
Balance at end of year		0	0
Expenses applicable to OREOs [Abstract]
Net gain on sales of real estate		0	62
Operating expenses, net of income	[1]	0	(20)
Total Income		$ 0	$ 42
[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, 2021	Dec. 31, 2020
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 66,825	$ 67,580
Less accumulated depreciation and amortization	34,691	33,967
Balance at end of year	32,134	33,613
Depreciation expense	2,091	2,145
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	7,270	7,709
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	36,418	37,530
Construction in Progress [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	279	239
Leasehold Improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	867	867
Furniture, Fixtures and Equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 21,991	$ 21,235

Leases, Adoption ASU No. 2016-0

Leases, Adoption ASU No. 2016-02 (Details)	12 Months Ended
	Dec. 31, 2021Lease
Assets and Liabilities, Lessee [Abstract]
Number of new leases	0
Number of leases extended	0

Leases, Long-term Lease Agreeme

Leases, Long-term Lease Agreements Calssified as Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Information about Leases [Abstract]
Lease liabilities	$ 1,041
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities
Right-of-use asset	$ 1,017
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets
Weighted average remaining lease term	3 years 7 months 20 days
Weighted average discount rate	1.73%
Lease cost [Abstract]
Operating lease cost	$ 347	$ 380
Total lease cost	347	380
Cash paid for amounts included in the measurement of lease liabilities	351	377
Lease payments due [Abstract]
Twelve months ending December 31, 2022	339
Twelve months ending December 31, 2023	248
Twelve months ending December 31, 2024	240
Twelve months ending December 31, 2025	193
Thereafter	70
Total undiscounted cash flows	1,090
Discount	(49)
Lease liabilities	1,041
Rental expense of premises and equipment	$ 470	$ 415

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2021USD ($)Fund	Dec. 31, 2020USD ($)Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4	4
Low-income housing investment		$ 1,900	$ 2,300
Additional committed capital calls expected		0	18
Amortization expense		410	688
Tax credits and other benefits [Abstract]
Amortization of operating losses		410	688
Tax benefit of operating losses	[1]	86	144
Tax credits		361	419
Total tax benefit		$ 447	$ 563
Effective income tax rate		21.00%
[1]	Computed using a 21% tax rate.

Deposits (Details)

Deposits (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Customer	Dec. 31, 2020USD ($)
Deposits [Abstract]
Time deposits threshold	$ 250
Aggregate amount of time deposits in denominations of $250 thousand or more	$ 39,900	$ 45,400
Number of single customer relationships that exceeded deposit limit | Customer	0
Percentage of total deposits	5.00%
Maturities of time deposits [Abstract]
2022	$ 99,749
2023	39,040
2024	15,095
2025	7,680
2026	7,554
Balance at end of year	$ 169,118	$ 193,698

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands	Jul. 14, 2021	Dec. 31, 2021	Dec. 31, 2020
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 115,000	$ 100,000
Available credit with FHLB		391,300	374,700
Short-Term Borrowings [Abstract]
Overnight repurchase agreements		4,536	6,619
Total short-term borrowings		4,536	6,619
Maximum month-end outstanding balance		12,239	9,080
Average outstanding balance during the period		$ 7,293	$ 21,092
Average interest rate (year-to-date)		0.10%	0.19%
Average interest rate at end of period		0.10%	0.10%
Long-Term Borrowings [Abstract]
Federal Reserve Bank borrowings		$ 480	$ 28,550
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		$ 480	$ 28,600
Loan maturity date		Apr. 30, 2022
Interest rate		0.35%
Citizens Acquisition [Member]
Long-Term Borrowings [Abstract]
Loan maturity date		Apr. 1, 2023
Long term borrowings, net of issuance costs		$ 1,400
Interest rate		2.61%
The Notes [Member] | Subordinated Debt [Member]
Long-Term Borrowings [Abstract]
Loan maturity date	Dec. 31, 2031
Long term borrowings, net of issuance costs	$ 29,400
Interest rate	3.50%
Principal amount	$ 30,000
Fixed interest rate, period	5 years
The Notes [Member] | Subordinated Debt [Member] | SOFR [Member]
Long-Term Borrowings [Abstract]
Term of variable rate	3 months
Debt instrument, variable rate	2.86%

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 294	$ 261
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	29,576
Issued (in shares)	18,048
Vested (in shares)	(8,521)
Forfeited (in shares)	(668)
Nonvested balance at end of period (in shares)	38,435	29,576
Weighted Average Grant Date Fair Value [Abstract]
Nonvested balance at beginning of period (in dollars per share)	$ 18.46
Issued (in dollars per share)	22.35
Vested (in dollars per share)	17.50
Forfeited (in dollars per share)	18.89
Nonvested balance at end of period (in dollars per share)	$ 20.49	$ 18.46
Weighted-average remaining vesting period for recognition	1 year 6 months 3 days
Fair value of restricted stock granted	$ 403	$ 298
Unrecognized stock-based compensation expense	$ 351	$ 254
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)	4,908	5,819
Shares reserved for issuance (in shares)	227,543
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, 2021	Dec. 31, 2020
Available-for-sale securities [Abstract]
Realized gains on sales of securities	$ 0	$ 264
Tax effect	0	55
Total	$ 0	$ 209

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, 2021	Dec. 31, 2020
Stockholders Equity Note [Abstract]
Beginning Balance	$ 117,145	$ 109,756
Ending Balance	120,818	117,145
Other comprehensive income, pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax	(3,030)	5,514
Reclassification adjustment for gains recognized in income, pretax	0	(264)
Total change in accumulated other comprehensive income, net, pretax	(3,030)	5,250
Other Comprehensive Income, Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	(636)	1,157
Reclassification adjustment for gains recognized in income, tax effect	0	(55)
Total change in accumulated other comprehensive income, net, tax effect	(636)	1,102
Other Comprehensive Income, Net of Tax [Abstract]
Unrealized holding gains (losses) arising during the period, net of tax	(2,394)	4,357
Reclassification adjustment for gains recognized in income, net of tax	0	(209)
Other comprehensive income (loss), net of tax	(2,394)	4,148
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	4,069	(79)
Net other comprehensive income (loss)	(2,394)	4,148
Ending Balance	1,675	4,069
Accumulated Other Comprehensive Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	4,069	(79)
Net other comprehensive income (loss)	(2,394)	4,148
Ending Balance	1,675	4,069
Other Comprehensive Income, Net of Tax [Abstract]
Other comprehensive income (loss), net of tax	$ (2,394)	$ 4,148

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, 2021	Dec. 31, 2020
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 8,440	$ 5,389
Net Income Available to Common Stockholders, Diluted	$ 8,440	$ 5,389
Weighted Average Common Shares, Basic (in shares)	5,238,318	5,216,237
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0
Weighted Average Common Shares, Diluted (in shares)	5,238,352	5,216,441
Earnings Per Share, Basic (in dollars per share)	$ 1.61	$ 1.03
Earnings Per Share, Diluted (in dollars per share)	$ 1.61	$ 1.03
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, 2021	Dec. 31, 2020
Related Party Transactions [Abstract]
Direct or indirect loans to principal shareholders, executive officers or directors, maximum	10.00%
Schedule of Annual activity [Roll Forward]
Balance, beginning of year	$ 4,220	$ 3,910
Additions	1,822	3,531
Reductions	(4,153)	(3,221)
Balance, end of year	1,889	4,220
Deposits from related parties	$ 19,800	$ 17,200

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Components of income tax expense [Abstract]
Current income tax expense	$ 1,021	$ 1,155
Deferred income tax expense (benefit)	275	(634)
Reported tax expense	1,296	521
Reconciliation of expected federal income tax expense [Abstract]
Expected tax expense	2,045	1,241
Interest expense on tax-exempt assets	3	5
Low-income housing tax credit	(361)	(413)
Tax-exempt interest, net	(195)	(147)
Bank-owned life insurance	(213)	(176)
Other, net	17	11
Reported tax expense	$ 1,296	$ 521
Effective Income Tax Rate Reconciliation [Abstract]
Effective tax rate	13.30%	8.80%
Deferred tax assets [Abstract]
Allowance for loan losses	$ 2,072	$ 2,017
Nonaccrual loans	10	9
Acquisition accounting	5	14
Net operating losses	609	643
Investments in pass-through entities	267	224
Bank owned life insurance benefit	72	68
Securities available-for-sale	0	0
Stock awards	116	97
Deferred compensation	314	397
Deferred loan fees and costs	270	443
Other	66	55
Total	3,801	3,967
Deferred tax liabilities [Abstract]
Premises and equipment	481	363
Acquisition accounting	58	67
Deferred loan fees and costs	0	0
Securities available-for-sale	445	1,081
Total	984	1,511
Net deferred tax assets	$ 2,817	$ 2,456

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)LetterofCredit	Dec. 31, 2020USD ($)
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 167,129	$ 151,586
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	71,751	66,999
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	42,683	20,258
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	52,695	64,329
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 3,617	$ 4,841
Standby Letters of Credit [Member]
Commitments to extend credit [Abstract]
Typical expiration period	1 year
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	4
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, 2021	Dec. 31, 2020
Assets [Abstract]
Securities available-for-sale	$ 234,321	$ 186,409
Derivative [Abstract]
Loans, net of allowances for loan losses	833,661	826,759
Loans held for sale	3,287	14,413
U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	14,904	7,043
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	38,558	36,696
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	65,803	45,995
Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	89,058	73,501
Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	2,413	4,743
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	43
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	181
Derivative [Abstract]
Derivative Liabilities	181
Recurring [Member]
Assets [Abstract]
Securities available-for-sale	234,321	186,409
Derivatives [Abstract]
Total assets	234,545
Derivative [Abstract]
Total liabilities	181
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	14,904	7,043
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	38,558	36,696
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	65,803	45,995
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	89,058	73,501
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	2,413	4,743
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	23,585	18,431
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	43
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	181
Derivative [Abstract]
Derivative Liabilities	181
Nonrecurring [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	87
Loans held for sale	3,287	14,413
Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	87
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Derivative [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] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0
Derivative [Abstract]
Derivative Liabilities	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Derivatives [Abstract]
Total assets	0
Derivative [Abstract]
Total liabilities	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
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]
Assets [Abstract]
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]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
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]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0
Derivative [Abstract]
Derivative Liabilities	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member]
Derivative [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] | Commercial Loans [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Securities available-for-sale	234,321	186,409
Derivative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	3,287	14,413
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	181
Derivative [Abstract]
Derivative Liabilities	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets [Abstract]
Securities available-for-sale	234,321	186,409
Derivatives [Abstract]
Total assets	234,545
Derivative [Abstract]
Total liabilities	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	14,904	7,043
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	38,558	36,696
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	65,803	45,995
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	89,058	73,501
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	2,413	4,743
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	23,585	18,431
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	43
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	181
Derivative [Abstract]
Derivative Liabilities	181
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	0
Loans held for sale	3,287	14,413
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	0
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Derivative [Abstract]
Loans, net of allowances for loan losses	834,693	825,963
Loans held for sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0
Derivative [Abstract]
Derivative Liabilities	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Derivatives [Abstract]
Total assets	0
Derivative [Abstract]
Total liabilities	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0
Derivative [Abstract]
Derivative Liabilities	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	87
Loans held for sale	0	$ 0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses	$ 87

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Commercial Loan [Member] - Market Comparables [Member] $ in Thousands	Dec. 31, 2021USD ($)
Selling Costs [Member] | Minimum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0
Selling Costs [Member] | Maximum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.0800
Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.0700
Fair Value, Nonrecurring [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Fair Value	$ 87

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Value and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets [Abstract]
Cash and cash equivalents	$ 187,922	$ 120,437
Securities available-for-sale, at fair value	234,321	186,409
Restricted securities	1,034	1,367
Loans held for sale	3,287	14,413
Loans, net of allowances for loan losses	833,661	826,759
Derivatives [Abstract]
Bank owned life insurance	28,168	28,386
Accrued interest receivable	3,339	3,613
Liabilities [Abstract]
Deposits	1,177,099	1,067,236
Overnight repurchase agreements	4,536	6,619
Federal Reserve Bank borrowings	480
Federal Reserve Bank borrowings		28,550
Long term borrowings	29,407	1,350
Derivative [Abstract]
Accrued interest payable	693	384
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivatives assets	43
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	181
Derivative [Abstract]
Derivative liabilities	181
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	187,922	120,437
Securities available-for-sale, at fair value	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net of allowances for loan losses	0	0
Derivatives [Abstract]
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 Reserve Bank borrowings		0
Long term borrowings	0	0
Derivative [Abstract]
Accrued interest payable	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivatives assets	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	0
Derivative [Abstract]
Derivative liabilities	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	234,321	186,409
Restricted securities	1,034	1,367
Loans held for sale	3,287	14,413
Loans, net of allowances for loan losses	0	0
Derivatives [Abstract]
Bank owned life insurance	28,168	28,386
Accrued interest receivable	3,339	3,613
Liabilities [Abstract]
Deposits	1,179,631	1,070,236
Overnight repurchase agreements	4,536	6,619
Federal Reserve Bank borrowings	480
Federal Reserve Bank borrowings		28,550
Long term borrowings	29,657	1,350
Derivative [Abstract]
Accrued interest payable	693	384
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivatives assets	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	181
Derivative [Abstract]
Derivative liabilities	181
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net of allowances for loan losses	834,693	825,963
Derivatives [Abstract]
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 Reserve Bank borrowings		0
Long term borrowings	0	0
Derivative [Abstract]
Accrued interest payable	0	$ 0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivatives assets	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	0
Derivative [Abstract]
Derivative liabilities	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
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	0.1257	0.1169
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	0.1257	0.1169
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	0.0909	0.0856
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	0.1361	0.1277
Capital Conservation Buffer, Ratio [Abstract]
Capital Conservation Buffer, Regulatory Minimums	0.02500	0.02500
Capital Conservation Buffer, Ratio	0.0561	0.0477
Risk Weighted Assets	$ 952,218	$ 890,091
Amount available for dividend distribution without prior approval from regulatory agency	$ 8,300

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)AreaSegment	Dec. 31, 2020USD ($)
Revenues [Abstract]
Interest and dividend income	$ 42,252	$ 40,009
Total operating income	57,137	54,707
Expenses [Abstract]
Interest expense	3,458	5,292
Provision for loan losses	794	1,000
Salaries and employee benefits	25,361	25,512
Other expenses	17,788	16,993
Total operating expenses	47,401	48,797
Income before income taxes	9,736	5,910
Income tax expense (benefit)	1,296	521
Net income	8,440	5,389
Capital expenditures	1,514	924
Total assets	$ 1,338,155	1,226,191
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	$ 4,198	3,877
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	10,687	10,821
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	42,226	39,966
Total operating income	51,907	49,865
Expenses [Abstract]
Interest expense	2,909	5,237
Provision for loan losses	794	1,000
Salaries and employee benefits	21,682	21,652
Other expenses	16,412	15,840
Total operating expenses	41,797	43,729
Income before income taxes	10,110	6,136
Income tax expense (benefit)	1,372	565
Net income	8,738	5,571
Capital expenditures	1,473	901
Total assets	1,330,337	1,218,766
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	9,681	9,899
Operating Segments [Member] | Trust [Member]
Revenues [Abstract]
Interest and dividend income	26	43
Total operating income	5,291	4,903
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	3,012	3,191
Other expenses	1,131	1,078
Total operating expenses	4,143	4,269
Income before income taxes	1,148	634
Income tax expense (benefit)	243	136
Net income	905	498
Capital expenditures	41	23
Total assets	7,227	6,957
Operating Segments [Member] | Trust [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	4,198	3,877
Operating Segments [Member] | Trust [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	1,067	983
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	9,643	6,069
Total operating income	9,844	6,269
Expenses [Abstract]
Interest expense	549	55
Provision for loan losses	0	0
Salaries and employee benefits	667	669
Other expenses	507	336
Total operating expenses	1,723	1,060
Income before income taxes	8,121	5,209
Income tax expense (benefit)	(319)	(180)
Net income	8,440	5,389
Capital expenditures	0	0
Total assets	150,943	118,558
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	201	200
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(9,643)	(6,069)
Total operating income	(9,905)	(6,330)
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(262)	(261)
Total operating expenses	(262)	(261)
Income before income taxes	(9,643)	(6,069)
Income tax expense (benefit)	0	0
Net income	(9,643)	(6,069)
Capital expenditures	0	0
Total assets	(150,352)	(118,090)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (262)	$ (261)

Condensed Financial Statement_3

Condensed Financial Statements of Parent Company, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets [Abstract]
Cash and cash equivalents	$ 187,922	$ 120,437
Securities available-for-sale	234,321	186,409
Other assets	14,832	12,838
Total assets	1,338,155	1,226,191
Liabilities and Stockholders' Equity [Abstract]
Long term borrowings	29,407	1,350
Other liability	5,815	5,291
Common stock	26,006	25,972
Additional paid-in capital	21,458	21,245
Retained earnings	71,679	65,859
Accumulated other comprehensive income (loss)	1,675	4,069
Total liabilities and stockholders' equity	1,338,155	1,226,191
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	20,012	1,203
Securities available-for-sale	0	0
Investment in common stock of subsidiaries	130,123	116,848
Other assets	808	507
Total assets	150,943	118,558
Liabilities and Stockholders' Equity [Abstract]
Long term borrowings	29,407	1,350
Other liability	718	63
Common stock	26,006	25,972
Additional paid-in capital	21,458	21,245
Retained earnings	71,679	65,859
Accumulated other comprehensive income (loss)	1,675	4,069
Total liabilities and stockholders' equity	$ 150,943	$ 118,558

Condensed Financial Statement_4

Condensed Financial Statements of Parent Company, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income [Abstract]
Other income	$ 70	$ 134
Total interest and dividend income	42,252	40,009
Expenses [Abstract]
Salary and benefits	25,361	25,512
Legal expenses	2,521	2,196
Other operating expenses	3,629	3,369
Total noninterest expense	43,149	42,505
Income before income taxes	9,736	5,910
Income tax benefit	1,296	521
Net income	8,440	5,389
Parent Company [Member]
Income [Abstract]
Dividends from subsidiary	3,975	3,425
Other income	201	200
Total interest and dividend income	4,176	3,625
Expenses [Abstract]
Salary and benefits	667	669
Subordinated debt	549	0
Legal expenses	274	108
Service fees	146	135
Other operating expenses	87	148
Total noninterest expense	1,723	1,060
Income before income taxes	2,453	2,565
Income tax benefit	(319)	(180)
Net income before equity in undistributed net income of subsidiaries	2,772	2,745
Equity in undistributed net income of subsidiaries	5,668	2,644
Net income	$ 8,440	$ 5,389

Condensed Financial Statement_5

Condensed Financial Statements of Parent Company, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net income	$ 8,440	$ 5,389
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of subordinated debt issuance costs	60	0
Stock compensation expense	294	261
(Decrease) increase in other assets	(748)	(966)
Net cash provided by (used in) operating activities	23,176	(8,635)
Cash flows from investing activities:
Net cash used in investing activities	(60,731)	(122,241)
Cash flows from financing activities:
Repurchase and retirement of common stock	(150)	0
Cash dividends paid on common stock	(2,620)	(2,505)
Net cash provided by financing activities	105,040	161,448
Net increase in cash and cash equivalents	67,485	30,572
Cash and cash equivalents at beginning of period	120,437	89,865
Cash and cash equivalents at end of period	187,922	120,437
Parent Company [Member]
Cash flows from operating activities:
Net income	8,440	5,389
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(5,668)	(2,644)
Amortization of subordinated debt issuance costs	60	0
Stock compensation expense	32	55
(Decrease) increase in other assets	(40)	8
Increase in other liabilities	655	5
Net cash provided by (used in) operating activities	3,479	2,813
Cash flows from investing activities:
Cash distributed to subsidiary	(10,000)	0
Net cash used in investing activities	(10,000)	0
Cash flows from financing activities:
Proceeds from sale of stock	103	96
Proceeds from borrowings	29,347	0
Repayment of borrowings	(1,350)	(600)
Repurchase and retirement of common stock	(150)	0
Cash dividends paid on common stock	(2,620)	(2,505)
Net cash provided by financing activities	25,330	(3,009)
Net increase in cash and cash equivalents	18,809	(196)
Cash and cash equivalents at beginning of period	1,203	1,399
Cash and cash equivalents at end of period	$ 20,012	$ 1,203