Old Point Financial (OPOF) 10-Q 16 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 05, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,097,102

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 12,577	$ 13,424
Interest-bearing due from banks		144,321	164,073
Federal funds sold		1,405	10,425
Cash and cash equivalents		158,303	187,922
Securities available-for-sale, at fair value		238,023	234,321
Restricted securities, at cost		1,389	1,034
Loans held for sale		2,010	3,287
Loans, net	[1]	845,714	833,661
Premises and equipment, net		31,472	32,134
Premises and equipment, held for sale		1,216	871
Bank-owned life insurance		28,370	28,168
Goodwill		1,650	1,650
Core deposit intangible, net		264	275
Other assets		16,974	14,832
Total assets		1,325,385	1,338,155
Deposits:
Noninterest-bearing deposits		385,150	421,531
Savings deposits		628,770	586,450
Time deposits		164,969	169,118
Total deposits		1,178,889	1,177,099
Overnight repurchase agreements		3,528	4,536
Federal Reserve Bank borrowings		0	480
Long term borrowings		29,440	29,407
Accrued expenses and other liabilities		5,429	5,815
Total liabilities		1,217,286	1,217,337
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,118,193 and 5,239,707 shares outstanding (includes 30,283 and 38,435 of nonvested restricted stock, respectively)		25,439	26,006
Additional paid-in capital		19,082	21,458
Retained earnings		73,036	71,679
Accumulated other comprehensive (loss) income, net		(9,458)	1,675
Total stockholders' equity		108,099	120,818
Total liabilities and stockholders' equity		$ 1,325,385	$ 1,338,155
[1]	Net deferred loan fees totaled $790 thousand and $1.3 million at March 31, 2022 and December 31, 2021, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2022	Dec. 31, 2021
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)	5,118,193	5,239,707
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)	30,283	38,435

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest and Dividend Income:
Loans, including fees	$ 9,184	$ 9,954
Due from banks	73	43
Federal funds sold	1	0
Securities:
Taxable	989	770
Tax-exempt	209	181
Dividends and interest on all other securities	14	30
Total interest and dividend income	10,470	10,978
Interest Expense:
Checking and savings deposits	176	215
Time deposits	361	584
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	1	23
Long term borrowings	295	0
Total interest expense	833	822
Net interest income	9,637	10,156
Provision for loan losses	101	150
Net interest income after provision for loan losses	9,536	10,006
Noninterest Income:
Bank-owned life insurance income	231	226
Mortgage banking income	220	1,188
Total noninterest income	3,515	4,134
Noninterest Expense:
Salaries and employee benefits	6,422	6,227
Occupancy and equipment	1,161	1,202
Data processing	1,090	1,043
Customer development	93	78
Professional services	630	545
Employee professional development	264	141
Other taxes	213	251
ATM and other losses	14	139
Other operating expenses	826	932
Total noninterest expense	10,713	10,558
Income before income taxes	2,338	3,582
Income tax expense	307	570
Net income	$ 2,031	$ 3,012
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,186,354	5,224,501
Net income per share of common stock (in dollars per share)	$ 0.39	$ 0.58
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,186,431	5,224,501
Net income per share of common stock (in dollars per share)	$ 0.39	$ 0.58
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 1,072	$ 1,027
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	722	649
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	1,053	987
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 217	$ 57

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Comprehensive (Loss) Income [Abstract]
Net income	$ 2,031	$ 3,012
Other comprehensive loss, net of tax
Net unrealized loss on available-for-sale securities	(11,133)	(1,694)
Other comprehensive loss, net of tax	(11,133)	(1,694)
Comprehensive (loss) income	$ (9,102)	$ 1,318

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, 2020	$ 25,972	$ 21,245	$ 65,859	$ 4,069	$ 117,145
Beginning Balance (in shares) at Dec. 31, 2020	5,194,443
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	3,012	0	3,012
Other comprehensive loss, net of tax	0	0	0	(1,694)	(1,694)
Employee Stock Purchase Plan share issuance	$ 7	18	0	0	25
Employee Stock Purchase Plan share issuance (in shares)	1,276
Stock-based compensation expense	$ 0	61	0	0	61
Cash dividends	0	0	(626)	0	(626)
Ending Balance at Mar. 31, 2021	$ 25,979	21,324	68,245	2,375	117,923
Ending Balance (in shares) at Mar. 31, 2021	5,195,719
Beginning Balance at Dec. 31, 2021	$ 26,006	21,458	71,679	1,675	$ 120,818
Beginning Balance (in shares) at Dec. 31, 2021	5,201,272				5,239,707
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	2,031	0	$ 2,031
Other comprehensive loss, net of tax	0	0	0	(11,133)	(11,133)
Employee Stock Purchase Plan share issuance	$ 7	27	0	0	34
Employee Stock Purchase Plan share issuance (in shares)	1,481
Common stock purchased	$ (615)	(2,433)	0	0	$ (3,048)
Common stock purchased (in shares)	(122,995)				(122,995)
Restricted stock vested	$ 41	(41)	0	0	$ 0
Restricted stock vested (in shares)	8,152
Stock-based compensation expense	$ 0	71	0	0	71
Cash dividends	0	0	(674)	0	(674)
Ending Balance at Mar. 31, 2022	$ 25,439	$ 19,082	$ 73,036	$ (9,458)	$ 108,099
Ending Balance (in shares) at Mar. 31, 2022	5,087,910				5,118,193

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.13	$ 0.12

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,031	$ 3,012
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	514	538
Amortization of right of use lease asset	82	104
Accretion related to acquisition, net	(12)	(4)
Amortization of subordinated debt issuance costs	33	0
Provision for loan losses	101	150	$ 794
Net amortization of securities	288	205
Decrease in loans held for sale, net	1,277	5,122
Income from bank owned life insurance	(231)	(226)
Stock compensation expense	71	61
Deferred tax (benefit)	0	(12)
Decrease (increase) in other assets	764	(425)
(Decrease) increase in accrued expenses and other liabilities	(386)	5,667
Net cash provided by operating activities	4,532	14,192
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(26,118)	(16,008)
Proceeds from (purchase) redemption of restricted securities, net	(355)	334
Proceeds from maturities and calls of available-for-sale securities	1,000	400
Proceeds from sales of available-for-sale securities	2,450	1,300
Paydowns on available-for-sale securities	4,586	3,850
Net (decrease) increase in loans held for investment	(12,131)	28,624
Purchases of premises and equipment	(197)	(126)
Net cash (used in) provided by investing activities	(30,765)	18,374
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease) increase in noninterest-bearing deposits	(36,381)	24,477
Increase in savings deposits	42,320	26,406
Decrease in time deposits	(4,149)	(6,561)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(1,008)	(1,765)
Repayment of Federal Reserve Bank borrowings	(480)	(17,555)
Proceeds from ESPP issuance	34	25
Repurchase of common stock	(3,048)	0
Cash dividends paid on common stock	(674)	(626)
Net cash (used in) provided by financing activities	(3,386)	24,401
Net (decrease) increase in cash and cash equivalents	(29,619)	56,967
Cash and cash equivalents at beginning of period	187,922	120,437	120,437
Cash and cash equivalents at end of period	158,303	177,404	$ 187,922
Cash payments for:
Interest	1,101	891
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized (loss) gain on securities available-for-sale	(14,093)	(2,144)
Former bank property transferred from fixed assets to held for sale assets	345	902
Right of use lease asset and liability	$ 0	$ 1,277

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2022
Description of Business and Summary of Significant Accounting Policies [Abstract]
Description of Business and Summary of Significant Accounting Policies	Note 1. Description of Business and Summary of Significant Accounting Policies THE COMPANY Old Point Financial Corporation (NASDAQ: OPOF) (the Company) is a holding company that conducts substantially all of its operations through two wholly-owned subsidiaries, the Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). As of March 31, 2022, the Bank had 14 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers, including mortgage loan products offered through Old Point Mortgage. A full array of insurance products is also offered through Old Point Insurance, LLC in partnership with Morgan Marrow Company. Trust offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of the Company, the Bank, and Trust. All significant intercompany balances and transactions have been eliminated in consolidation. BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with U.S. GAAP for interim financial information. All significant intercompany balances and transactions have been eliminated. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial position at March 31, 2022 and December 31, 2021, the statements of income, comprehensive income (loss), and changes in stockholders' equity for the three months ended March 31, 2022 and 2021, and the statements of cash flows for the three months ended March 31, 2022 and 2021. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's 2021 Form 10-K. Certain previously reported amounts have been reclassified to conform to current period presentation, none of which were material in nature. ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities 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 . 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 . In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU No. 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU No. 2016-13) that introduced the current expected credit losses (CECL) model. The amendments eliminate the accounting guidance for troubled debt restructurings (TDRs) by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs. An entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU No. 2016-13, ASU No. 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For entities that have not yet adopted ASU No. 2016-13, the effective dates for ASU No. 2022-02 are the same as the effective dates in ASU No. 2016-13. Early adoption is permitted if an entity has adopted ASU No. 2016-13. An entity may elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU No. 2022-02 will have on its consolidated financial statements. Other accounting standards that have been adopted by the Company or issued by the FASB or other standards-setting bodies have not or are not currently expected to have a material effect on the Company’s financial position, results of operations or cash flows.

Securities

Securities	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Securities	Note 2. Securities Amortized costs and fair values, with gross unrealized gains and losses, of securities available-for-sale as of the dates indicated are as follows: March 31, 2022 (Dollars in thousands) Amortized Gross Gross Fair Value U.S. Treasury securities $ 19,182 $ - $ (1,287 ) $ 17,895 Obligations of U.S. Government agencies 37,941 17 (711 ) 37,247 Obligations of state and political subdivisions 72,566 249 (5,059 ) 67,756 Mortgage-backed securities 90,968 101 (4,494 ) 86,575 Money market investments 1,147 - - 1,147 Corporate bonds and other securities 28,191 25 (813 ) 27,403 $ 249,995 $ 392 $ (12,364 ) $ 238,023 December 31, 2021 (Dollars in thousands) Amortized Cost Gross Unrealized Gross Unrealized Fair 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 The amortized cost and fair value of securities by contractual maturity are shown below. March 31, 2022 (Dollars in thousands) Amortized Fair Value Due in one year or less $ 200 $ 197 Due after one year through five years 16,646 16,333 Due after five through ten years 77,566 73,703 Due after ten years 154,436 146,643 Other securities, restricted 1,147 1,147 $ 249,995 $ 238,023 The Company did not realize any gains or losses on the sale of investment securities during the three months ended March 31, 2022 and 2021, respectively. The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses that are deemed to be temporarily impaired as of March 31, 2022 and December 31, 2021, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of the dates indicated: March 31, 2022 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value U.S. Treasury securities $ 1,287 $ 17,895 $ - $ - $ 1,287 $ 17,895 Obligations of U.S. Government agencies 643 28,149 68 4,668 711 32,817 Obligations of state and political subdivisions 4,628 52,989 431 3,820 5,059 56,809 Mortgage-backed securities 3,733 62,853 761 7,408 4,494 70,261 Corporate bonds and other securities 761 18,189 52 948 813 19,137 Total securities available-for-sale $ 11,052 $ 180,075 $ 1,312 $ 16,844 $ 12,364 $ 196,919 December 31, 2021 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair 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 policitcal 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 The number of investments in an unrealized loss position as of March 31, 2022 and December 31, 2021 were 139 and 72, respectively. Certain investments within the Company’s portfolio had unrealized losses for more than twelve months at March 31, 2022 and December 31, 2021, as shown in the tables above. The primary cause of the temporary impairments in the Company’s investment security portfolio was increases in market interest rates. The Company concluded that no other-than-temporary impairment existed in its securities portfolio at March 31, 2022, and no other-than-temporary impairment loss has been recognized in net income during the first quarter of 2022, based primarily on the following: (i) changes in fair value were caused primarily by fluctuations in interest rates, (ii) there were no securities with unrealized losses that were significant relative to their carrying amounts, (iii) securities with unrealized losses had generally high credit quality, (iv) the Company intends to hold these investments until recovery of its investment and it is more-likely-than-not that the Company will not be required to sell these investments before a recovery of its investment, and (v) issuers have continued to make timely payments of principal and interest. Restricted Stock The restricted security category is comprised of stock in the Federal Home Loan Bank of Atlanta (FHLB), the Federal Reserve Bank (FRB), and Community Bankers' Bank (CBB). These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, FHLB, FRB, and CBB stock 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 the Allowance for Loa

Loans and the Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2022
Loans and the Allowance for Loan Losses [Abstract]
Loans and the Allowance for Loan Losses	Note 3. Loans and the Allowance for Loan Losses The following is a summary of the balances in each class of the Company’s portfolio of loans held for investment as of the dates indicated: (dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 127,674 $ 130,776 Commercial - owner occupied 198,334 198,413 Commercial - non-owner occupied 196,653 184,190 Multifamily 26,727 19,050 Construction 64,502 58,440 Second mortgages 7,346 7,877 Equity lines of credit 51,077 48,665 Total mortgage loans on real estate 672,313 647,411 Commercial and industrial loans 58,886 68,690 Consumer automobile loans 85,551 85,023 Other consumer loans 32,150 33,418 Other (1) 6,334 8,984 Total loans, net of deferred fees 855,234 843,526 Less: Allowance for loan losses 9,520 9,865 Loans, net of allowance and deferred fees (2) $ 845,714 $ 833,661 (1) Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $119 thousand and $304 thousand at March 31, 2022 and December 31, 2021, respectively. (2) Net deferred loan fees totaled $790 thousand and $1.3 million at March 31, 2022 and December 31, 2021, respectively. 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: Loans are of acceptable risk. • Other Assets Especially Mentioned (OAEM): Loans have potential weaknesses that deserve management’s close attention. • Substandard: Loans reflect significant deficiencies due to several adverse trends of a financial, economic or managerial nature. • Doubtful: Loans have all the weaknesses inherent in a substandard loan with added characteristics that make collection or liquidation in full based on currently existing facts, conditions and values highly questionable or improbable. • Loss: Loans have been identified for charge-off because they are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. The following tables present credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of March 31 2022 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 127,510 $ - $ 164 $ - $ 127,674 Commercial - owner occupied 194,624 1,599 2,111 - 198,334 Commercial - non-owner occupied 195,729 266 658 - 196,653 Multifamily 26,727 - - - 26,727 Construction 62,968 536 998 - 64,502 Second mortgages 7,346 - - - 7,346 Equity lines of credit 51,077 - - - 51,077 Total mortgage loans on real estate $ 665,981 $ 2,401 $ 3,931 $ - $ 672,313 Commercial and industrial loans 58,631 - 255 - 58,886 Consumer automobile loans 85,531 - 20 - 85,551 Other consumer loans 32,150 - - - 32,150 Other 6,334 - - - 6,334 Total $ 848,627 $ 2,401 $ 4,206 $ - $ 855,234 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 As of March 31, 2022 and December 31, 2021, the Company did not have any loans internally classified as Doubtful or Loss. 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 March 31, 2022 (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 $ 809 $ - $ - $ 164 $ 126,701 $ 127,674 Commercial - owner occupied - - - 2,111 196,223 198,334 Commercial - non-owner occupied - - - 659 195,994 196,653 Multifamily - - - - 26,727 26,727 Construction - - - 998 63,504 64,502 Second mortgages 23 - - - 7,323 7,346 Equity lines of credit 51 - - - 51,026 51,077 Total mortgage loans on real estate $ 883 $ - $ - $ 3,932 $ 667,498 $ 672,313 Commercial and industrial loans - 4 - 255 58,627 58,886 Consumer automobile loans 1,408 68 199 - 83,876 85,551 Other consumer loans 891 28 415 - 30,816 32,150 Other 36 3 10 - 6,285 6,334 Total $ 3,218 $ 103 $ 624 $ 4,187 $ 847,102 $ 855,234 (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 $409 thousand at March 31, 2022. 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. Although the portions of the student loan portfolios that are 90 days or more past due would normally be considered impaired, the Company does not include these loans in its impairment analysis. Because the federal government has provided guarantees of repayment of these student loans in an amount ranging from 97% to 98% of the total principal and interest of the loans as of March 31, 2022, management does not expect significant increases in delinquencies of these loans to have a material effect on the Company. NONACCRUAL LOANS The Company generally places commercial and industrial 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 cost recovery method, until it qualifies for return to accrual status or is charged off. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class (dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 164 $ 191 Commercial - owner occupied 2,111 - Commercial - non-owner occupied 659 113 Construction and land development 998 - Total mortgage loans on real estate 3,932 304 Commercial and industrial loans 255 174 Total $ 4,187 $ 478 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: Three Months Ended March 31, (dollars in thousand) 2022 2021 Interest income that would have been recorded under original loan terms $ 75 $ 11 Actual interest income recorded for the period 4 2 Reduction in interest income on nonaccrual loans $ 71 $ 9 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 the three months ended March 31, 2022 and 2021. At March 31, 2022 and 2021, the Company had no outstanding commitments to disburse additional funds on any TDR. The Company had no loans secured by residential 1 - 4 family real estate in the process of foreclosure at March 31, 2022 and 2021. In the three months ended March 31, 2022 and 2021, there were no defaulting TDRs where the default occurred within twelve months of restructuring. The Company considers a TDR in default when any of the following occurs: the loan, as restructured, becomes 90 days or more past due; the loan is moved to nonaccrual status following the restructure; the loan is restructured again under terms that would qualify it as a TDR if it were not already so classified; or any portion of the loan is charged off. All TDRs are factored into the determination of the allowance for loan losses and included in the impaired loan analysis, as discussed below. IMPAIRED LOANS A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest when due from the borrower in accordance with the contractual terms of the loan. 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 a specific allocation in the allowance 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 cash basis method. For financial statement purposes, the recorded investment in the loan is the actual principal balance reduced by partial charge-offs and 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 these partial charge-offs did not occur and 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. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class For the Three Months Ended As of March 31, 2022 March 31, 2022 (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 $ 301 $ - $ 296 $ 28 $ 298 $ 2 Commercial 4,752 4,290 399 1 4,716 - Construction 1,078 998 78 1 1,077 - Second mortgages 125 - 123 3 124 1 Total mortgage loans on real estate 6,256 5,288 896 33 6,215 3 Commercial and industrial loans 403 404 - - 404 3 Other consumer loans 7 5 - - 6 - Total $ 6,666 $ 5,697 $ 896 $ 33 $ 6,625 $ 6 Impaired Loans by Class 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 ALLOWANCE FOR LOAN LOSSES Management has an established methodology to determine the adequacy of the allowance for loan losses that assesses the risks and probable losses inherent in the loan portfolio. The Company segments the loan portfolio into categories as defined by Schedule RC-C of the Federal Financial Institutions Examination Council Consolidated Reports of Condition and Income Form 041 (Call Report). Loans are segmented into the following pools: commercial, real estate-construction, real estate-mortgage, consumer and other loans. The Company also sub-segments the real estate-mortgage segment into six classes: residential 1-4 family, commercial real estate - owner occupied, commercial real estate - non-owner occupied, multifamily, second mortgages and equity lines of credit. The Company uses an internally developed risk evaluation model in the estimation of the credit risk process. The model and assumptions used to determine the allowance are independently validated and reviewed to ensure that the theoretical foundation, assumptions, data integrity, computational processes and reporting practices are appropriate and properly documented. Each portfolio segment has risk characteristics as follows: • Commercial and industrial: Commercial and industrial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. • Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. • Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. • Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. • Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Consumer 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 March 31, 2022 and December 31, 2021 management used eight twelve-quarter migration periods. Management also provides an allocated component of the allowance for loans that are specifically identified as impaired, and are individually analyzed for impairment. An allocated allowance is established when the present 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. 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 past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions (including uncertainties associated with the COVID-19 pandemic), trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. Given the timing of the outbreak in the United States of the COVID-19 pandemic 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 the first quarter of 2022 and 2021 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 total allowance reflects management’s estimate of losses inherent in the loan portfolio at the balance sheet date. The Company considers the allowance for loan losses of $9.5 million adequate to cover estimable and probable loan losses inherent in the loan portfolio at March 31, 2022. The following tables present, 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 Three Months ended March 31 2022 (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 $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Charge-offs (296 ) - - - (307 ) (97 ) - (700 ) Recoveries 77 - 30 - 116 31 - 254 Provision for loan losses 72 45 14 (187 ) 170 (13 ) - 101 Ending Balance $ 536 $ 504 $ 2,434 $ 4,600 $ 1,341 $ 105 $ - $ 9,520 Individually evaluated for impairment $ - $ 1 $ 31 $ 1 $ - $ - $ - $ 33 Collectively evaluated for impairment 536 503 2,403 4,599 1,341 105 - 9,487 Ending Balance $ 536 $ 504 $ 2,434 $ 4,600 $ 1,341 $ 105 $ - $ 9,520 Loans Balances: Individually evaluated for impairment 404 1,076 419 4,689 5 - - 6,593 Collectively evaluated for impairment 58,482 63,426 212,405 390,298 117,696 6,334 - 848,641 Ending Balance $ 58,886 $ 64,502 $ 212,824 $ 394,987 $ 117,701 $ 6,334 $ - $ 855,234 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile 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 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Leases

Leases	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	Note 4. Leases 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. 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 right-of-use asset and lease liability are included in other assets other liabilities The following tables present information about the Company’s leases: (dollars in thousands) March 31, 2022 Lease liabilities $ 960 Right-of-use assets $ 935 Weighted average remaining lease term 3.39 years Weighted average discount rate 1.73 % Three Months Ended March 31, Lease cost 2022 2021 Operating lease cost $ 82 $ 104 Total lease cost $ 82 $ 104 Cash paid for amounts included in the measurement of lease liabilities $ 84 $ 139 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 March 31, 2022 Nine months ending December 31, 2022 $ 255 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 $ 1,006 Discount (46 ) Lease liabilities $ 960

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	3 Months Ended
	Mar. 31, 2022
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	Note 5. Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both March 31, 2022 and December 31, 2021. 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 $1.8 million and $1.9 million at March 31, 2022 and December 31, 2021, respectively. The expected terms of these investments and the related tax benefits run through 2033. There were no additional capital calls expected for the funds at March 31, 2022. The table below summarizes the tax credits and other tax benefits recognized by the Company related to these investments during the periods indicated: Three Months Ended 2022 2021 Tax credits and other benefits Amortization of operating losses $ 51 $ 49 Tax benefit of operating losses* 11 10 Tax credits 89 94 Total tax benefits $ 100 $ 104 * Computed using a 21% tax rate.

Borrowings

Borrowings	3 Months Ended
	Mar. 31, 2022
Borrowings [Abstract]
Borrowings	Note 6. 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 March 31, 2022 and December 31, 2021, the remaining credit available from these lines totaled $115.0 million, respectively. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $399.0 million and $391.3 as of March 31, 2022 and December 31, 2021, respectively. SHORT-TERM BORROWINGS The following table presents total short-term borrowings as of the dates indicated: (dollar in thousands) March 31, 2022 December 31, 2021 Overnight repurchase agreements $ 3,528 $ 4,536 Total short-term borrowings $ 3,528 $ 4,536 Maximum month-end outstanding balance $ 3,735 $ 12,239 Average outstanding balance during the period $ 4,227 $ 7,293 Average interest rate (year-to-date) 0.07 % 0.10 % Average interest rate at end of period 0.07 % 0.10 % LONG-TERM BORROWINGS At March 31, 2022 the Company had fully repaid the borrowings under the FRB’s PPPLF. At December 31, the Company had outstanding in long-term borrowings under the PPPLF. 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

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 7. 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 March 31, 2022 and December 31, 2021: March 31, December 31, (dollars in thousands) 2022 2021 Commitments to extend credit: Home equity lines of credit $ 80,187 $ 71,751 Commercial real estate, construction and development loans committed but not funded 53,197 42,683 Other lines of credit (principally commercial) 60,414 52,695 Total $ 193,798 $ 167,129 Letters of credit $ 3,611 $ 3,617

Share-Based Compensation

Share-Based Compensation	3 Months Ended
	Mar. 31, 2022
Share-Based Compensation [Abstract]
Share-Based Compensation	Note 8. 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 March 31, 2022 only restricted stock has been granted under the Incentive Stock Plan. Restricted stock activity for the three months ended March 31, 2022 is summarized below: Shares Weighted Average Grant Date Fair Value Nonvested, January 1, 2022 38,435 $ 20.49 Issued - - Vested (8,152 ) 21.68 Forfeited - - Nonvested, March 31, 2022 30,283 $ 20.17 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.31 years. There was no restricted stock granted during the three months ended March 31, 2022 and 2021, respectively. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $278 thousand as of March 31, 2022 and $216 thousand as of March 31, 2021. Stock-based compensation expense was $71 thousand and $61 thousand for the three months ended March 31, 2022 and 2021, 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 was set at 5% for 2021 and for the first three months of 2022. Total stock purchases under the ESPP amounted to 1,481 shares during the three months ended March 31, 2022. At March 31, 2022, the Company had 226,062 remaining shares reserved for issuance under the ESPP.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Share	3 Months Ended
	Mar. 31, 2022
Stockholders' Equity and Earnings per Share [Abstract]
Stockholders' Equity and Earnings per Share	Note 9. Stockholders’ Equity and Earnings per Share STOCKHOLDERS’ EQUITY – Accumulated Other Comprehensive Income (Loss) The following table presents information on amounts reclassified out of accumulated other comprehensive income (loss), by category, during the periods indicated: Three Months Ended Affected Line Item on (dollars in thousands) 2022 2021 Available-for-sale securities Realized gains on sales of securities $ - $ - Gain on sale of available-for-sale securities, net Tax effect - - Income tax expense $ - $ - The following tables present the changes in accumulated other comprehensive income (loss), by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive Income (Loss) Three Months Ended March 31, 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (11,133 ) (11,133 ) Balance at end of period $ (9,458 ) $ (9,458 ) Three Months Ended March 31, 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (1,694 ) (1,694 ) Balance at end of period $ 2,375 $ 2,375 The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated. Three Months Ended March 31, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (14,093 ) $ (2,960 ) $ (11,133 ) Total change in accumulated other comprehensive income, net $ (14,093 ) $ (2,960 ) $ (11,133 ) Three Months Ended March 31, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (2,144 ) $ (450 ) $ (1,694 ) Total change in accumulated other comprehensive income, net $ (2,144 ) $ (450 ) $ (1,694 ) 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 three months ended March 31, 2022 and 2021: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount Three Months Ended March 31 2022 Net income, basic $ 2,031 5,186 $ 0.39 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 2,031 5,186 $ 0.39 Three Months Ended March 31 2021 Net income, basic $ 3,012 5,225 $ 0.58 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,012 5,225 $ 0.58 The Company had no antidilutive shares outstanding in the three months ended March 31, 2022 and 2021, respectively. Nonvested 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. The Company has a share repurchase program which was authorized by the Board of Directors in October 2021 to repurchase up to of the Company’s issued and outstanding common stock through November During the quarter of 122,995 shares, for an aggregate purchase price of , were repurchased by the Company under this plan.

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2022
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 10. Fair Value Measurements 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, 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 sources. The first source is the Company’s bond accounting service provider, which uses a model to determine 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 Company recognizes IRLCs at fair value. Fair value of IRLCs is based on either (i) the price of the underlying loans obtained from an investor for loans that will be delivered on a best efforts basis or (ii) the observable price for individual loans traded in the secondary market for loans that will be delivered on a mandatory basis. All of the Company’s IRLCs are classified as Level 2. The Company recognizes interest rate swaps at fair value. The Company has contracted with a third party vendor to provide valuations for these interest rate swaps using standard valuation techniques. All of the Company’s interest rate swaps on loans are classified as Level 2. 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 March 31, 2022 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets: Available-for-sale securities U.S. Treasury securities $ 17,895 $ - $ 17,895 $ - Obligations of U.S. Government agencies 37,247 - 37,247 - Obligations of state and political subdivisions 67,756 - 67,756 - Mortgage-backed securities 86,575 - 86,575 - Money market investments 1,147 - 1,147 - Corporate bonds and other securities 27,403 - 27,403 - Total available-for-sale securities 238,023 - 238,023 - Derivatives Interest rate lock 76 - 76 - Interest rate swap on loans 377 - 377 - Total assets $ 238,476 $ - $ 238,476 $ - Liabilities: Derivatives Interest rate swap on loans 377 - 377 - Total liabilities $ 377 $ - $ 377 $ - Fair Value Measurements at December 31, 2021 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs 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 $ - 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 and interest when due from the borrower in accordance with 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. 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 rather than at a market rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the tables below. Carrying Value at March 31, 2022 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Loans Loans held for sale $ 2,010 $ - $ 2,010 $ - Carrying Value at December 31, 2021 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Mortgage loans on real estate: Commercial loans $ 87 $ - $ - $ 87 Total $ 87 $ - $ - $ 87 Loans Loans held for sale $ 3,287 $ - $ 3,287 $ - The following tables display the quantitative information about Level 3 Fair Value Measurements as of the dates indicated. Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2021 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Commercial loans $ 87 Market comparables Selling costs 0.00% -8.00% (7.00 %) 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 March 31, 2022 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 158,303 $ 158,303 $ - $ - Securities available-for-sale 238,023 - 238,023 - Restricted securities 1,389 - 1,389 - Loans held for sale 2,010 - 2,010 - Loans, net of allowances for loan losses 845,714 - - 835,035 Derivatives Interest rate lock 76 - 76 - Interest rate swap on loans 377 - 377 - Bank owned life insurance 28,370 - 28,370 - Accrued interest receivable 3,230 - 3,230 - Liabilities Deposits $ 1,178,889 $ - $ 1,181,358 $ - Overnight repurchase agreements 3,528 - 3,528 - Long term borrowings 29,440 - 29,088 - Derivatives Interest rate swap on loans 377 - 377 - Accrued interest payable 392 - 392 - Fair Value Measurements at December 31, 2021 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical 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 -

Segment Reporting

Segment Reporting	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Segment Reporting	Note 11. 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, the Parent). Revenues from the Bank’s operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Trust’s operating revenues consist principally of income from fiduciary and asset management fees. The Parent’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 three months ended March 31, 2022 and 2021 follows: Three Months Ended March 31, 2022 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 10,456 $ 14 $ 850 $ (850 ) $ 10,470 Income from fiduciary activities - 1,072 - - 1,072 Other income 2,179 279 50 (65 ) 2,443 Total operating income 12,635 1,365 900 (915 ) 13,985 Expenses Interest expense 538 - 295 - 833 Provision for loan losses 101 - - - 101 Salaries and employee benefits 5,429 848 145 - 6,422 Other expenses 3,888 294 174 (65 ) 4,291 Total operating expenses 9,956 1,142 614 (65 ) 11,647 Income before taxes 2,679 223 286 (850 ) 2,338 Income tax expense (benefit) 377 48 (118 ) - 307 Net income $ 2,302 $ 175 $ 404 $ (850 ) $ 2,031 Capital expenditures $ 197 $ - $ - $ - $ 197 Total assets $ 1,317,803 $ 7,125 $ 137,819 $ (137,362 ) $ 1,325,385 Three Months Ended March 31, 2021 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 10,973 $ 5 $ 3,148 $ (3,148 ) $ 10,978 Income from fiduciary activities - 1,027 - - 1,027 Other income 2,866 256 50 (65 ) 3,107 Total operating income 13,839 1,288 3,198 (3,213 ) 15,112 Expenses Interest expense 818 - 4 - 822 Provision for loan losses 150 - - - 150 Salaries and employee benefits 5,320 743 164 - 6,227 Other expenses 4,063 279 54 (65 ) 4,331 Total operating expenses 10,351 1,022 222 (65 ) 11,530 Income before taxes 3,488 266 2,976 (3,148 ) 3,582 Income tax expense (benefit) 550 56 (36 ) - 570 Net income $ 2,938 $ 210 $ 3,012 $ (3,148 ) $ 3,012 Capital expenditures $ 121 $ 5 $ - $ - $ 126 Total assets $ 1,250,353 $ 7,003 $ 117,956 $ (117,674 ) $ 1,257,638 The accounting policies of the segments are the same as those described in the summary of significant accounting policies reported in the Company’s 2021 Annual Report on Form 10-K. The Company evaluates performance based on profit or loss from operations before income taxes, not including nonrecurring gains or losses.

Description of Business and S_2

Description of Business and Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2022
Description of Business and Summary of Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of the Company, the Bank, and Trust. All significant intercompany balances and transactions have been eliminated in consolidation.
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with U.S. GAAP for interim financial information. All significant intercompany balances and transactions have been eliminated. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial position at March 31, 2022 and December 31, 2021, the statements of income, comprehensive income (loss), and changes in stockholders' equity for the three months ended March 31, 2022 and 2021, and the statements of cash flows for the three months ended March 31, 2022 and 2021. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's 2021 Form 10-K. Certain previously reported amounts have been reclassified to conform to current period presentation, none of which were material in nature.
ESTIMATES	ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities 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 .
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 . In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU No. 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU No. 2016-13) that introduced the current expected credit losses (CECL) model. The amendments eliminate the accounting guidance for troubled debt restructurings (TDRs) by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs. An entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU No. 2016-13, ASU No. 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For entities that have not yet adopted ASU No. 2016-13, the effective dates for ASU No. 2022-02 are the same as the effective dates in ASU No. 2016-13. Early adoption is permitted if an entity has adopted ASU No. 2016-13. An entity may elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU No. 2022-02 will have on its consolidated financial statements. Other accounting standards that have been adopted by the Company or issued by the FASB or other standards-setting bodies have not or are not currently expected to have a material effect on the Company’s financial position, results of operations or cash flows.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Amortized Cost and Fair Value, with Gross Unrealized Gains and Losses of Securities Available-for-Sale	Amortized costs and fair values, with gross unrealized gains and losses, of securities available-for-sale as of the dates indicated are as follows: March 31, 2022 (Dollars in thousands) Amortized Gross Gross Fair Value U.S. Treasury securities $ 19,182 $ - $ (1,287 ) $ 17,895 Obligations of U.S. Government agencies 37,941 17 (711 ) 37,247 Obligations of state and political subdivisions 72,566 249 (5,059 ) 67,756 Mortgage-backed securities 90,968 101 (4,494 ) 86,575 Money market investments 1,147 - - 1,147 Corporate bonds and other securities 28,191 25 (813 ) 27,403 $ 249,995 $ 392 $ (12,364 ) $ 238,023 December 31, 2021 (Dollars in thousands) Amortized Cost Gross Unrealized Gross Unrealized Fair 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
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities by contractual maturity are shown below. March 31, 2022 (Dollars in thousands) Amortized Fair Value Due in one year or less $ 200 $ 197 Due after one year through five years 16,646 16,333 Due after five through ten years 77,566 73,703 Due after ten years 154,436 146,643 Other securities, restricted 1,147 1,147 $ 249,995 $ 238,023
Available-for-Sale Securities, Continuous Unrealized Loss Position	The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses that are deemed to be temporarily impaired as of March 31, 2022 and December 31, 2021, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of the dates indicated: March 31, 2022 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value U.S. Treasury securities $ 1,287 $ 17,895 $ - $ - $ 1,287 $ 17,895 Obligations of U.S. Government agencies 643 28,149 68 4,668 711 32,817 Obligations of state and political subdivisions 4,628 52,989 431 3,820 5,059 56,809 Mortgage-backed securities 3,733 62,853 761 7,408 4,494 70,261 Corporate bonds and other securities 761 18,189 52 948 813 19,137 Total securities available-for-sale $ 11,052 $ 180,075 $ 1,312 $ 16,844 $ 12,364 $ 196,919 December 31, 2021 Less than 12 months 12 months or more Total (Dollars in thousands) Gross Unrealized Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair 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 policitcal 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

Loans and the Allowance for L_2

Loans and the Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Loans and the 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 portfolio of loans held for investment as of the dates indicated: (dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 127,674 $ 130,776 Commercial - owner occupied 198,334 198,413 Commercial - non-owner occupied 196,653 184,190 Multifamily 26,727 19,050 Construction 64,502 58,440 Second mortgages 7,346 7,877 Equity lines of credit 51,077 48,665 Total mortgage loans on real estate 672,313 647,411 Commercial and industrial loans 58,886 68,690 Consumer automobile loans 85,551 85,023 Other consumer loans 32,150 33,418 Other (1) 6,334 8,984 Total loans, net of deferred fees 855,234 843,526 Less: Allowance for loan losses 9,520 9,865 Loans, net of allowance and deferred fees (2) $ 845,714 $ 833,661 (1) Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $119 thousand and $304 thousand at March 31, 2022 and December 31, 2021, respectively. (2) Net deferred loan fees totaled $790 thousand and $1.3 million at March 31, 2022 and December 31, 2021, respectively.
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 March 31 2022 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 127,510 $ - $ 164 $ - $ 127,674 Commercial - owner occupied 194,624 1,599 2,111 - 198,334 Commercial - non-owner occupied 195,729 266 658 - 196,653 Multifamily 26,727 - - - 26,727 Construction 62,968 536 998 - 64,502 Second mortgages 7,346 - - - 7,346 Equity lines of credit 51,077 - - - 51,077 Total mortgage loans on real estate $ 665,981 $ 2,401 $ 3,931 $ - $ 672,313 Commercial and industrial loans 58,631 - 255 - 58,886 Consumer automobile loans 85,531 - 20 - 85,551 Other consumer loans 32,150 - - - 32,150 Other 6,334 - - - 6,334 Total $ 848,627 $ 2,401 $ 4,206 $ - $ 855,234 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
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 March 31, 2022 (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 $ 809 $ - $ - $ 164 $ 126,701 $ 127,674 Commercial - owner occupied - - - 2,111 196,223 198,334 Commercial - non-owner occupied - - - 659 195,994 196,653 Multifamily - - - - 26,727 26,727 Construction - - - 998 63,504 64,502 Second mortgages 23 - - - 7,323 7,346 Equity lines of credit 51 - - - 51,026 51,077 Total mortgage loans on real estate $ 883 $ - $ - $ 3,932 $ 667,498 $ 672,313 Commercial and industrial loans - 4 - 255 58,627 58,886 Consumer automobile loans 1,408 68 199 - 83,876 85,551 Other consumer loans 891 28 415 - 30,816 32,150 Other 36 3 10 - 6,285 6,334 Total $ 3,218 $ 103 $ 624 $ 4,187 $ 847,102 $ 855,234 (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 $409 thousand at March 31, 2022. 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.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class (dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 164 $ 191 Commercial - owner occupied 2,111 - Commercial - non-owner occupied 659 113 Construction and land development 998 - Total mortgage loans on real estate 3,932 304 Commercial and industrial loans 255 174 Total $ 4,187 $ 478
Interest Income to be Earned Under 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: Three Months Ended March 31, (dollars in thousand) 2022 2021 Interest income that would have been recorded under original loan terms $ 75 $ 11 Actual interest income recorded for the period 4 2 Reduction in interest income on nonaccrual loans $ 71 $ 9
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 with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class For the Three Months Ended As of March 31, 2022 March 31, 2022 (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 $ 301 $ - $ 296 $ 28 $ 298 $ 2 Commercial 4,752 4,290 399 1 4,716 - Construction 1,078 998 78 1 1,077 - Second mortgages 125 - 123 3 124 1 Total mortgage loans on real estate 6,256 5,288 896 33 6,215 3 Commercial and industrial loans 403 404 - - 404 3 Other consumer loans 7 5 - - 6 - Total $ 6,666 $ 5,697 $ 896 $ 33 $ 6,625 $ 6 Impaired Loans by Class 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
Allowance for Loan Losses by Segment	The following tables present, 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 Three Months ended March 31 2022 (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 $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Charge-offs (296 ) - - - (307 ) (97 ) - (700 ) Recoveries 77 - 30 - 116 31 - 254 Provision for loan losses 72 45 14 (187 ) 170 (13 ) - 101 Ending Balance $ 536 $ 504 $ 2,434 $ 4,600 $ 1,341 $ 105 $ - $ 9,520 Individually evaluated for impairment $ - $ 1 $ 31 $ 1 $ - $ - $ - $ 33 Collectively evaluated for impairment 536 503 2,403 4,599 1,341 105 - 9,487 Ending Balance $ 536 $ 504 $ 2,434 $ 4,600 $ 1,341 $ 105 $ - $ 9,520 Loans Balances: Individually evaluated for impairment 404 1,076 419 4,689 5 - - 6,593 Collectively evaluated for impairment 58,482 63,426 212,405 390,298 117,696 6,334 - 848,641 Ending Balance $ 58,886 $ 64,502 $ 212,824 $ 394,987 $ 117,701 $ 6,334 $ - $ 855,234 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile 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 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Information about Leases	The following tables present information about the Company’s leases: (dollars in thousands) March 31, 2022 Lease liabilities $ 960 Right-of-use assets $ 935 Weighted average remaining lease term 3.39 years Weighted average discount rate 1.73 %
Lease Cost	Three Months Ended March 31, Lease cost 2022 2021 Operating lease cost $ 82 $ 104 Total lease cost $ 82 $ 104 Cash paid for amounts included in the measurement of lease liabilities $ 84 $ 139
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 March 31, 2022 Nine months ending December 31, 2022 $ 255 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 $ 1,006 Discount (46 ) Lease liabilities $ 960

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	3 Months Ended
	Mar. 31, 2022
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 related to these investments during the periods indicated: Three Months Ended 2022 2021 Tax credits and other benefits Amortization of operating losses $ 51 $ 49 Tax benefit of operating losses* 11 10 Tax credits 89 94 Total tax benefits $ 100 $ 104 * Computed using a 21% tax rate.

Borrowings (Tables)

Borrowings (Tables)	3 Months Ended
	Mar. 31, 2022
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollar in thousands) March 31, 2022 December 31, 2021 Overnight repurchase agreements $ 3,528 $ 4,536 Total short-term borrowings $ 3,528 $ 4,536 Maximum month-end outstanding balance $ 3,735 $ 12,239 Average outstanding balance during the period $ 4,227 $ 7,293 Average interest rate (year-to-date) 0.07 % 0.10 % Average interest rate at end of period 0.07 % 0.10 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: March 31, December 31, (dollars in thousands) 2022 2021 Commitments to extend credit: Home equity lines of credit $ 80,187 $ 71,751 Commercial real estate, construction and development loans committed but not funded 53,197 42,683 Other lines of credit (principally commercial) 60,414 52,695 Total $ 193,798 $ 167,129 Letters of credit $ 3,611 $ 3,617

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2022
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the three months ended March 31, 2022 is summarized below: Shares Weighted Average Grant Date Fair Value Nonvested, January 1, 2022 38,435 $ 20.49 Issued - - Vested (8,152 ) 21.68 Forfeited - - Nonvested, March 31, 2022 30,283 $ 20.17

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Share (Tables)	3 Months Ended
	Mar. 31, 2022
Stockholders' Equity and Earnings per Share [Abstract]
Amounts Reclassified Out of Accumulated Other Comprehensive Income (Loss), by Category	The following table presents information on amounts reclassified out of accumulated other comprehensive income (loss), by category, during the periods indicated: Three Months Ended Affected Line Item on (dollars in thousands) 2022 2021 Available-for-sale securities Realized gains on sales of securities $ - $ - Gain on sale of available-for-sale securities, net Tax effect - - Income tax expense $ - $ -
Changes in Accumulated Other Comprehensive Income (Loss), by Category	The following tables present the changes in accumulated other comprehensive income (loss), by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive Income (Loss) Three Months Ended March 31, 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (11,133 ) (11,133 ) Balance at end of period $ (9,458 ) $ (9,458 ) Three Months Ended March 31, 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (1,694 ) (1,694 ) Balance at end of period $ 2,375 $ 2,375
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated. Three Months Ended March 31, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (14,093 ) $ (2,960 ) $ (11,133 ) Total change in accumulated other comprehensive income, net $ (14,093 ) $ (2,960 ) $ (11,133 ) Three Months Ended March 31, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (2,144 ) $ (450 ) $ (1,694 ) Total change in accumulated other comprehensive income, net $ (2,144 ) $ (450 ) $ (1,694 )
Computation of Earnings Per Share	The following is a reconciliation of the denominators of the basic and diluted EPS computations for the three months ended March 31, 2022 and 2021: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount Three Months Ended March 31 2022 Net income, basic $ 2,031 5,186 $ 0.39 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 2,031 5,186 $ 0.39 Three Months Ended March 31 2021 Net income, basic $ 3,012 5,225 $ 0.58 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,012 5,225 $ 0.58

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets: Available-for-sale securities U.S. Treasury securities $ 17,895 $ - $ 17,895 $ - Obligations of U.S. Government agencies 37,247 - 37,247 - Obligations of state and political subdivisions 67,756 - 67,756 - Mortgage-backed securities 86,575 - 86,575 - Money market investments 1,147 - 1,147 - Corporate bonds and other securities 27,403 - 27,403 - Total available-for-sale securities 238,023 - 238,023 - Derivatives Interest rate lock 76 - 76 - Interest rate swap on loans 377 - 377 - Total assets $ 238,476 $ - $ 238,476 $ - Liabilities: Derivatives Interest rate swap on loans 377 - 377 - Total liabilities $ 377 $ - $ 377 $ - Fair Value Measurements at December 31, 2021 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs 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 $ -
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 rather than at a market rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the tables below. Carrying Value at March 31, 2022 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Loans Loans held for sale $ 2,010 $ - $ 2,010 $ - Carrying Value at December 31, 2021 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Mortgage loans on real estate: Commercial loans $ 87 $ - $ - $ 87 Total $ 87 $ - $ - $ 87 Loans Loans held for sale $ 3,287 $ - $ 3,287 $ -
Fair Value Inputs, Assets, Quantitative Information	The following tables display the quantitative information about Level 3 Fair Value Measurements as of the dates indicated. Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 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 March 31, 2022 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 158,303 $ 158,303 $ - $ - Securities available-for-sale 238,023 - 238,023 - Restricted securities 1,389 - 1,389 - Loans held for sale 2,010 - 2,010 - Loans, net of allowances for loan losses 845,714 - - 835,035 Derivatives Interest rate lock 76 - 76 - Interest rate swap on loans 377 - 377 - Bank owned life insurance 28,370 - 28,370 - Accrued interest receivable 3,230 - 3,230 - Liabilities Deposits $ 1,178,889 $ - $ 1,181,358 $ - Overnight repurchase agreements 3,528 - 3,528 - Long term borrowings 29,440 - 29,088 - Derivatives Interest rate swap on loans 377 - 377 - Accrued interest payable 392 - 392 - Fair Value Measurements at December 31, 2021 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical 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 -

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
	Mar. 31, 2022
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 three months ended March 31, 2022 and 2021 follows: Three Months Ended March 31, 2022 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 10,456 $ 14 $ 850 $ (850 ) $ 10,470 Income from fiduciary activities - 1,072 - - 1,072 Other income 2,179 279 50 (65 ) 2,443 Total operating income 12,635 1,365 900 (915 ) 13,985 Expenses Interest expense 538 - 295 - 833 Provision for loan losses 101 - - - 101 Salaries and employee benefits 5,429 848 145 - 6,422 Other expenses 3,888 294 174 (65 ) 4,291 Total operating expenses 9,956 1,142 614 (65 ) 11,647 Income before taxes 2,679 223 286 (850 ) 2,338 Income tax expense (benefit) 377 48 (118 ) - 307 Net income $ 2,302 $ 175 $ 404 $ (850 ) $ 2,031 Capital expenditures $ 197 $ - $ - $ - $ 197 Total assets $ 1,317,803 $ 7,125 $ 137,819 $ (137,362 ) $ 1,325,385 Three Months Ended March 31, 2021 (dollars in thousands) Bank Trust Unconsolidated Parent Eliminations Consolidated Revenues Interest and dividend income $ 10,973 $ 5 $ 3,148 $ (3,148 ) $ 10,978 Income from fiduciary activities - 1,027 - - 1,027 Other income 2,866 256 50 (65 ) 3,107 Total operating income 13,839 1,288 3,198 (3,213 ) 15,112 Expenses Interest expense 818 - 4 - 822 Provision for loan losses 150 - - - 150 Salaries and employee benefits 5,320 743 164 - 6,227 Other expenses 4,063 279 54 (65 ) 4,331 Total operating expenses 10,351 1,022 222 (65 ) 11,530 Income before taxes 3,488 266 2,976 (3,148 ) 3,582 Income tax expense (benefit) 550 56 (36 ) - 570 Net income $ 2,938 $ 210 $ 3,012 $ (3,148 ) $ 3,012 Capital expenditures $ 121 $ 5 $ - $ - $ 126 Total assets $ 1,250,353 $ 7,003 $ 117,956 $ (117,674 ) $ 1,257,638

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies (Details)	Mar. 31, 2022SubsidiaryBranch
THE COMPANY [Abstract]
Number of subsidiaries | Subsidiary	2
Number of branch offices | Branch	14

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)Security	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)Security
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 249,995		$ 232,200
Gross unrealized gains	392		3,632
Gross unrealized (losses)	(12,364)		(1,511)
Fair value	238,023		234,321
Impairment charges recorded through income on securities	0
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	200
Due after one year through five years	16,646
Due after five through ten years	77,566
Due after ten years	154,436
Other securities, restricted	1,147
Total securities	249,995		232,200
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	197
Due after one year through five years	16,333
Due after five through ten years	73,703
Due after ten years	146,643
Other securities, restricted	1,147
Total securities	238,023		234,321
Securities Available-for-sale [Abstract]
Net realized gains (losses)	0	$ 0
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	11,052		1,281
More Than Twelve Months	1,312		230
Total	12,364		1,511
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	180,075		100,473
More Than Twelve Months	16,844		11,492
Total	$ 196,919		$ 111,965
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	139		72
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 19,182		$ 15,052
Gross unrealized gains	0		0
Gross unrealized (losses)	(1,287)		(148)
Fair value	17,895		14,904
Available-for-Sale, Amortized Cost [Abstract]
Total securities	19,182		15,052
Available-for-Sale, Fair Value [Abstract]
Total securities	17,895		14,904
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	1,287		148
More Than Twelve Months	0		0
Total	1,287		148
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	17,895		14,904
More Than Twelve Months	0		0
Total	17,895		14,904
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	37,941		38,651
Gross unrealized gains	17		75
Gross unrealized (losses)	(711)		(168)
Fair value	37,247		38,558
Available-for-Sale, Amortized Cost [Abstract]
Total securities	37,941		38,651
Available-for-Sale, Fair Value [Abstract]
Total securities	37,247		38,558
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	643		131
More Than Twelve Months	68		37
Total	711		168
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	28,149		19,181
More Than Twelve Months	4,668		5,042
Total	32,817		24,223
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	72,566		64,132
Gross unrealized gains	249		1,948
Gross unrealized (losses)	(5,059)		(277)
Fair value	67,756		65,803
Available-for-Sale, Amortized Cost [Abstract]
Total securities	72,566		64,132
Available-for-Sale, Fair Value [Abstract]
Total securities	67,756		65,803
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	4,628		277
More Than Twelve Months	431		0
Total	5,059		277
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	52,989		20,673
More Than Twelve Months	3,820		0
Total	56,809		20,673
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	90,968		88,511
Gross unrealized gains	101		1,348
Gross unrealized (losses)	(4,494)		(801)
Fair value	86,575		89,058
Available-for-Sale, Amortized Cost [Abstract]
Total securities	90,968		88,511
Available-for-Sale, Fair Value [Abstract]
Total securities	86,575		89,058
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	3,733		608
More Than Twelve Months	761		193
Total	4,494		801
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	62,853		35,882
More Than Twelve Months	7,408		6,450
Total	70,261		42,332
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	1,147		2,413
Gross unrealized gains	0		0
Gross unrealized (losses)	0		0
Fair value	1,147		2,413
Available-for-Sale, Amortized Cost [Abstract]
Total securities	1,147		2,413
Available-for-Sale, Fair Value [Abstract]
Total securities	1,147		2,413
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized cost	28,191		23,441
Gross unrealized gains	25		261
Gross unrealized (losses)	(813)		(117)
Fair value	27,403		23,585
Available-for-Sale, Amortized Cost [Abstract]
Total securities	28,191		23,441
Available-for-Sale, Fair Value [Abstract]
Total securities	27,403		23,585
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	761		117
More Than Twelve Months	52		0
Total	813		117
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	18,189		9,833
More Than Twelve Months	948		0
Total	$ 19,137		$ 9,833

Loans and the Allowance for L_3

Loans and the Allowance for Loan Losses, Outstanding Loans By Segment Type (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		$ 855,234	$ 843,526
Less: Allowance for loan losses		9,520	9,865
Loans, net of allowance and deferred fees	[1]	845,714	833,661
Overdrawn deposit accounts, excluding internal use accounts		119	304
Net deferred loan fees		790	1,300
Mortgage Loans on Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		672,313	647,411
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		127,674	130,776
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		394,987	382,603
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		198,334	198,413
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		196,653	184,190
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		26,727	19,050
Mortgage Loans on Real Estate [Member] | Construction [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		64,502	58,440
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		7,346	7,877
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		51,077	48,665
Commercial [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		58,886	68,690
Commercial [Member] | Commercial and Industrial Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		58,886	68,690
Consumer [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees	[2]	117,701	118,441
Consumer [Member] | Consumer Automobile Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		85,551	85,023
Consumer [Member] | Other Consumer Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		32,150	33,418
Other [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees	[3]	$ 6,334	$ 8,984
[1]	Net deferred loan fees totaled $790 thousand and $1.3 million at March 31, 2022 and December 31, 2021, respectively.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $119 thousand and $304 thousand at March 31, 2022 and December 31, 2021, respectively.

Loans and the Allowance for L_4

Loans and the Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Gross loan receivables		$ 855,234	$ 843,526
Pass [Member]
Receivables [Abstract]
Gross loan receivables		848,627	837,670
OAEM [Member]
Receivables [Abstract]
Gross loan receivables		2,401	1,440
Substandard [Member]
Receivables [Abstract]
Gross loan receivables		4,206	4,416
Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Gross loan receivables		672,313	647,411
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		665,981	642,005
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		2,401	1,440
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		3,931	3,966
Mortgage Loans on Real Estate [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Gross loan receivables		127,674	130,776
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		127,510	130,584
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		164	192
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Receivables [Abstract]
Gross loan receivables		394,987	382,603
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Receivables [Abstract]
Gross loan receivables		198,334	198,413
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		194,624	195,512
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		1,599	788
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		2,111	2,113
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Receivables [Abstract]
Gross loan receivables		196,653	184,190
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		195,729	183,093
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		266	434
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		658	663
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Receivables [Abstract]
Gross loan receivables		26,727	19,050
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		26,727	19,050
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Gross loan receivables		64,502	58,440
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		62,968	57,224
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		536	218
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		998	998
Mortgage Loans on Real Estate [Member] | Construction [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Gross loan receivables		7,346	7,877
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		7,346	7,877
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Receivables [Abstract]
Gross loan receivables		51,077	48,665
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		51,077	48,665
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Commercial [Member]
Receivables [Abstract]
Gross loan receivables		58,886	68,690
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Gross loan receivables		58,886	68,690
Commercial [Member] | Commercial and Industrial Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		58,631	68,261
Commercial [Member] | Commercial and Industrial Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Commercial [Member] | Commercial and Industrial Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		255	429
Commercial [Member] | Commercial and Industrial Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Consumer [Member]
Receivables [Abstract]
Gross loan receivables	[1]	117,701	118,441
Consumer [Member] | Consumer Automobile Loans [Member]
Receivables [Abstract]
Gross loan receivables		85,551	85,023
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		85,531	85,002
Consumer [Member] | Consumer Automobile Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Consumer [Member] | Consumer Automobile Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		20	21
Consumer [Member] | Consumer Automobile Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Consumer [Member] | Other Consumer Loan [Member]
Receivables [Abstract]
Gross loan receivables		32,150	33,418
Consumer [Member] | Other Consumer Loan [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		32,150	33,418
Consumer [Member] | Other Consumer Loan [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Consumer [Member] | Other Consumer Loan [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Consumer [Member] | Other Consumer Loan [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Other [Member]
Receivables [Abstract]
Gross loan receivables	[2]	6,334	8,984
Other [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		6,334	8,984
Other [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Other [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Other [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		$ 0	$ 0
[1]	The consumer segment includes consumer automobile loans.
[2]	Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $119 thousand and $304 thousand at March 31, 2022 and December 31, 2021, respectively.

Loans and the Allowance for L_5

Loans and the Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Loans, Aging [Abstract]
Loans		$ 855,234		$ 843,526
Nonaccrual	[1]	4,187		478
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	4,187		478
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		75	$ 11
Actual interest income recorded for the period		4	2
Reduction in interest income on non accrual loans		71	$ 9
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3,218		2,361
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		103		560
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		624		1,025
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	847,102		839,102
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Loans		$ 409		$ 1,400
Guaranteed Student Loans [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97.00%		97.00%
Guaranteed Student Loans [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		98.00%		100.00%
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%
Guaranteed Student Loans [Member] | 90 or More Days Past Due [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		98.00%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		$ 672,313		$ 647,411
Nonaccrual	[1]	3,932		304
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	3,932		304
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		883		195
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	667,498		646,912
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		127,674		130,776
Nonaccrual	[1]	164		191
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	164		191
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		809		120
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	126,701		130,465
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		198,334		198,413
Nonaccrual	[1]	2,111		0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	2,111		0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	196,223		198,413
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		196,653		184,190
Nonaccrual	[1]	659		113
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	659		113
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	195,994		184,077
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		26,727		19,050
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 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	26,727		19,050
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans, Aging [Abstract]
Loans		64,502		58,440
Nonaccrual	[1]	998		0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	998		0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Construction [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	63,504		58,440
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Nonaccrual		998		0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		998		0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		7,346		7,877
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 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		23		24
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	7,323		7,853
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		51,077		48,665
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 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		51		51
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	51,026		48,614
Commercial [Member] | Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		58,886		68,690
Nonaccrual	[1]	255		174
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	255		174
Commercial [Member] | Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		37
Commercial [Member] | Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		4		0
Commercial [Member] | Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0		169
Commercial [Member] | Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	58,627		68,310
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		85,551		85,023
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 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,408		814
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		68		118
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		199		296
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	83,876		83,795
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		32,150		33,418
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 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		891		1,284
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		28		439
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		415		550
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	30,816		31,145
Other [Member]
Loans, Aging [Abstract]
Loans		6,334		8,984
Nonaccrual	[1]	0		0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	0		0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		36		31
Other [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3		3
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		10		10
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	$ 6,285		$ 8,940
[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 the Allowance for L_6

Loans and the Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)Contract	Mar. 31, 2021USD ($)Contract	Dec. 31, 2021USD ($)
Receivables [Abstract]
Number of modifications | Contract	0	0
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

Loans and the Allowance for L_7

Loans and the Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Unpaid Principal Balance	$ 6,666	$ 1,367
Recorded Investment, Without Valuation Allowance	5,697	289
Recorded Investment, With Valuation Allowance	896	1,012
Associated Allowance	33	128
Average Recorded Investment	6,625	1,324
Interest Income Recognized	6	34
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	6,256	1,170
Recorded Investment, Without Valuation Allowance	5,288	282
Recorded Investment, With Valuation Allowance	896	838
Associated Allowance	33	41
Average Recorded Investment	6,215	1,135
Interest Income Recognized	3	17
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	301	353
Recorded Investment, Without Valuation Allowance	0	25
Recorded Investment, With Valuation Allowance	296	300
Associated Allowance	28	30
Average Recorded Investment	298	328
Interest Income Recognized	2	7
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	4,752	610
Recorded Investment, Without Valuation Allowance	4,290	178
Recorded Investment, With Valuation Allowance	399	413
Associated Allowance	1	8
Average Recorded Investment	4,716	601
Interest Income Recognized	0	1
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	1,078	80
Recorded Investment, Without Valuation Allowance	998	79
Recorded Investment, With Valuation Allowance	78	0
Associated Allowance	1	0
Average Recorded Investment	1,077	80
Interest Income Recognized	0	4
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Unpaid Principal Balance	125	127
Recorded Investment, Without Valuation Allowance	0	0
Recorded Investment, With Valuation Allowance	123	125
Associated Allowance	3	3
Average Recorded Investment	124	126
Interest Income Recognized	1	5
Commercial [Member] | Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	403	188
Recorded Investment, Without Valuation Allowance	404	0
Recorded Investment, With Valuation Allowance	0	174
Associated Allowance	0	87
Average Recorded Investment	404	181
Interest Income Recognized	3	17
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	7	9
Recorded Investment, Without Valuation Allowance	5	7
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	6	8
Interest Income Recognized	$ 0	$ 0

Loans and the Allowance for L_8

Loans and the Allowance for Loan Losses, Activity In Period (Details) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2022USD ($)Periodqtr	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)Period
Changes in Accounting Methodology [Abstract]
Number of migration periods | Period		8		8
Number of quarters remains on each migration period | qtr		12
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		$ 9,865	$ 9,541	$ 9,541
Charges-offs		(700)		(1,119)
Recoveries		254		649
Provision for loan losses		101	150	794
Ending Balance		9,520		9,865
Individually evaluated for impairment		33		128
Collectively evaluated for impairment		9,487		9,737
Ending Balance		9,520		9,865
Loan Balances [Abstract]
Individually evaluated for impairment		6,593		1,301
Collectively evaluated for impairment		848,641		842,225
Ending Balance		855,234		843,526
Commercial and Industrial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		683	650	650
Charges-offs		(296)		(27)
Recoveries		77		41
Provision for loan losses		72		19
Ending Balance		536		683
Individually evaluated for impairment		0		87
Collectively evaluated for impairment		536		596
Ending Balance		536		683
Loan Balances [Abstract]
Individually evaluated for impairment		404		174
Collectively evaluated for impairment		58,482		68,516
Ending Balance		58,886		68,690
Real Estate [Member]
Loan Balances [Abstract]
Ending Balance		672,313		647,411
Real Estate [Member] | Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		459	339	339
Charges-offs		0		0
Recoveries		0		0
Provision for loan losses		45		120
Ending Balance		504		459
Individually evaluated for impairment		1		0
Collectively evaluated for impairment		503		459
Ending Balance		504		459
Loan Balances [Abstract]
Individually evaluated for impairment		1,076		79
Collectively evaluated for impairment		63,426		58,361
Ending Balance		64,502		58,440
Real Estate [Member] | Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[1]	2,390	2,560	2,560
Charges-offs	[1]	0		(14)
Recoveries	[1]	30		76
Provision for loan losses	[1]	14		(232)
Ending Balance	[1]	2,434		2,390
Individually evaluated for impairment	[1]	31		33
Collectively evaluated for impairment	[1]	2,403		2,357
Ending Balance	[1]	2,434		2,390
Loan Balances [Abstract]
Individually evaluated for impairment	[1]	419		450
Collectively evaluated for impairment	[1]	212,405		205,918
Ending Balance	[1]	212,824		206,368
Real Estate [Member] | Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		4,787	4,434	4,434
Charges-offs		0		0
Recoveries		0		44
Provision for loan losses		(187)		309
Ending Balance		4,600		4,787
Individually evaluated for impairment		1		8
Collectively evaluated for impairment		4,599		4,779
Ending Balance		4,600		4,787
Loan Balances [Abstract]
Individually evaluated for impairment		4,689		591
Collectively evaluated for impairment		390,298		382,012
Ending Balance		394,987		382,603
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[2]	1,362	1,302	1,302
Charges-offs	[2]	(307)		(800)
Recoveries	[2]	116		390
Provision for loan losses	[2]	170		470
Ending Balance	[2]	1,341		1,362
Individually evaluated for impairment	[2]	0		0
Collectively evaluated for impairment	[2]	1,341		1,362
Ending Balance	[2]	1,341		1,362
Loan Balances [Abstract]
Individually evaluated for impairment	[2]	5		7
Collectively evaluated for impairment	[2]	117,696		118,434
Ending Balance	[2]	117,701		118,441
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		184	123	123
Charges-offs		(97)		(278)
Recoveries		31		98
Provision for loan losses		(13)		241
Ending Balance		105		184
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		105		184
Ending Balance		105		184
Loan Balances [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		6,334		8,984
Ending Balance	[3]	6,334		8,984
Unallocated [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		0	$ 133	133
Charges-offs		0		0
Recoveries		0		0
Provision for loan losses		0		(133)
Ending Balance		0		0
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		0		0
Ending Balance		0		0
Loan Balances [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		0		0
Ending Balance		$ 0		$ 0
[1]	The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit.
[2]	The consumer segment includes consumer automobile loans.
[3]	Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $119 thousand and $304 thousand at March 31, 2022 and December 31, 2021, respectively.

Leases, Consolidated Balance Sh

Leases, Consolidated Balance Sheets (Details)	3 Months Ended
	Mar. 31, 2022Lease
Assets and Liabilities, Lessee [Abstract]
Number of new leases	0

Leases, Long-term Lease Agreeme

Leases, Long-term Lease Agreements Classified as Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Information about Leases [Abstract]
Lease liabilities	$ 960
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities
Right of use assets	$ 935
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets
Weighted average remaining lease term	3 years 4 months 20 days
Weighted average discount rate	1.73%
Lease cost [Abstract]
Operating lease cost	$ 82	$ 104
Total lease cost	82	104
Cash paid for amounts included in the measurement of lease liabilities	84	$ 139
Lease payments due [Abstract]
Nine months ending December 31, 2022	255
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	1,006
Discount	(46)
Lease liabilities	$ 960

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2022USD ($)Fund	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4		4
Low-income housing investment		$ 1,800		$ 1,900
Additional committed capital calls expected		0
Tax credits and other benefits [Abstract]
Amortization of operating losses		51	$ 49
Tax benefit of operating losses	[1]	11	10
Tax credits		89	94
Total tax benefits		$ 100	$ 104
Effective income tax rate		21.00%
[1]	Computed using a 21% tax rate.

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands	Jul. 14, 2021	Mar. 31, 2022	Dec. 31, 2021
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 115,000	$ 115,000
Available credit with FHLB		399,000	391,300
Short-Term Borrowings [Abstract]
Overnight repurchase agreements		3,528	4,536
Total short-term borrowings		3,528	4,536
Maximum month-end outstanding balance		3,735	12,239
Average outstanding balance during the period		$ 4,227	$ 7,293
Average interest rate (year-to-date)		0.07%	0.10%
Average interest rate at end of period		0.07%	0.10%
Long-Term Borrowings [Abstract]
Federal Reserve Bank Borrowings		$ 0	$ 480
Minimum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period		1 day
Maximum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period		4 days
Paycheck Protection Program Liquidity Facility [Member]
Long-Term Borrowings [Abstract]
Federal Reserve Bank Borrowings			$ 480
The Notes [Member] | Subordinated Notes [Member]
Long-Term Borrowings [Abstract]
Long term borrowings, net of issuance costs	$ 29,400
Principal amount	$ 30,000
Loan maturity date	Dec. 31, 2031
Interest rate	3.50%
Fixed interest rate, period	5 years
The Notes [Member] | Subordinated Notes [Member] | SOFR [Member]
Long-Term Borrowings [Abstract]
Term of variable rate	3 months
Debt instrument, variable rate	2.86%

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 193,798	$ 167,129
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	80,187	71,751
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	53,197	42,683
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	60,414	52,695
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 3,611	$ 3,617

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 71	$ 61
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	38,435
Issued (in shares)	0
Vested (in shares)	(8,152)
Forfeited (in shares)	0
Nonvested balance at end of period (in shares)	30,283		38,435
Weighted Average Grant Date Fair Value [Abstract]
Non-vested balance at beginning of period (in dollars per share)	$ 20.49
Issued (in dollars per share)	0
Vested (in dollars per share)	21.68
Forfeited (in dollars per share)	0
Non-vested balance at end of period (in dollars per share)	$ 20.17		$ 20.49
Weighted-average remaining vesting period for recognition	1 year 3 months 21 days
Fair value of restricted stock granted	$ 0	0
Unrecognized stock-based compensation expense	$ 278	$ 216
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)	1,481
Shares reserved for issuance (in shares)	226,062
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 Share, Amounts Reclassified Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Available-for-sale securities [Abstract]
Realized gains on sales of securities	$ 0	$ 0
Tax effect	0	0
Total	$ 0	$ 0

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Stockholders Equity Note [Abstract]
Beginning Balance	$ 120,818	$ 117,145
Ending Balance	108,099	117,923
Other comprehensive income, pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax	(14,093)	(2,144)
Total change in accumulated other comprehensive income, net, pretax	(14,093)	(2,144)
Other Comprehensive Income, Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	(2,960)	(450)
Total change in accumulated other comprehensive income, net, tax effect	(2,960)	(450)
Other Comprehensive Income, Net of Tax [Abstract]
Net unrealized gain (loss) on available-for-sale securities	(11,133)	(1,694)
Other comprehensive loss, net of tax	(11,133)	(1,694)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	1,675	4,069
Net other comprehensive loss	(11,133)	(1,694)
Ending Balance	(9,458)	2,375
Accumulated Other Comprehensive Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	1,675	4,069
Net other comprehensive loss	(11,133)	(1,694)
Ending Balance	(9,458)	2,375
Other Comprehensive Income, Net of Tax [Abstract]
Other comprehensive loss, net of tax	$ (11,133)	$ (1,694)

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Share, Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Oct. 31, 2021
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 2,031	$ 3,012
Net Income Available to Common Stockholders, Diluted	$ 2,031	$ 3,012
Weighted Average Common Shares, Basic (in shares)	5,186,354	5,224,501
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0
Weighted Average Common Shares, Diluted (in shares)	5,186,431	5,224,501
Earnings Per Share, Basic (in dollars per share)	$ 0.39	$ 0.58
Earnings Per Share, Diluted (in dollars per share)	$ 0.39	$ 0.58
Earnings Per Share [Abstract]
Percentage of repurchase of common stock			10.00%
Common stock purchased (in shares)	122,995
Common stock purchased	$ 3,048
Stock Options [Member]
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Debt securities, available-for-sale	$ 238,023	$ 234,321
Derivative [Abstract]
Loans, net of allowances for loan losses	845,714	833,661
Loans held for sale	2,010	3,287
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	17,895	14,904
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	37,247	38,558
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	67,756	65,803
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	86,575	89,058
Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,147	2,413
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	76	43
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	377	181
Derivative [Abstract]
Derivative Liabilities	377	181
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	238,023	234,321
Derivatives [Abstract]
Total assets	238,476	234,545
Derivative [Abstract]
Total liabilities	377	181
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	17,895	14,904
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	37,247	38,558
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	67,756	65,803
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	86,575	89,058
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,147	2,413
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	27,403	23,585
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	76	43
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	377	181
Derivative [Abstract]
Derivative Liabilities	377	181
Nonrecurring [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses		87
Loans held for sale	2,010	3,287
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]
Debt 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	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivatives [Abstract]
Total assets	0	0
Derivative [Abstract]
Total liabilities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt 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	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	0
Derivative [Abstract]
Derivative Liabilities	0	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]
Debt securities, available-for-sale	238,023	234,321
Derivative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	2,010	3,287
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	76	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	377	181
Derivative [Abstract]
Derivative Liabilities	377	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	238,023	234,321
Derivatives [Abstract]
Total assets	238,476	234,545
Derivative [Abstract]
Total liabilities	377	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	17,895	14,904
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	37,247	38,558
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	67,756	65,803
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	86,575	89,058
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,147	2,413
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	27,403	23,585
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	76	43
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	377	181
Derivative [Abstract]
Derivative Liabilities	377	181
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Loans, net of allowances for loan losses		0
Loans held for sale	2,010	3,287
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]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
Loans, net of allowances for loan losses	835,035	834,693
Loans held for sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivatives [Abstract]
Total assets	0	0
Derivative [Abstract]
Total liabilities	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	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 Values and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and cash equivalents	$ 158,303	$ 187,922
Securities available-for-sale, at fair value	238,023	234,321
Restricted securities	1,389	1,034
Loans held for sale	2,010	3,287
Loans, net of allowances for loan losses	845,714	833,661
Derivatives [Abstract]
Bank owned life insurance	28,370	28,168
Accrued interest receivable	3,230	3,339
Liabilities [Abstract]
Deposits	1,178,889	1,177,099
Overnight repurchase agreements	3,528	4,536
Federal Reserve Bank borrowings		480
Long term borrowings	29,440	29,407
Derivative [Abstract]
Accrued interest payable	392	693
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivatives assets	76	43
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	377	181
Derivative [Abstract]
Derivative liabilities	377	181
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	158,303	187,922
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
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	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	0	0
Derivative [Abstract]
Derivative liabilities	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	238,023	234,321
Restricted securities	1,389	1,034
Loans held for sale	2,010	3,287
Loans, net of allowances for loan losses	0	0
Derivatives [Abstract]
Bank owned life insurance	28,370	28,168
Accrued interest receivable	3,230	3,339
Liabilities [Abstract]
Deposits	1,181,358	1,179,631
Overnight repurchase agreements	3,528	4,536
Federal Reserve Bank borrowings		480
Long term borrowings	29,088	29,657
Derivative [Abstract]
Accrued interest payable	392	693
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivatives assets	76	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	377	181
Derivative [Abstract]
Derivative liabilities	377	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	835,035	834,693
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
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	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivatives assets	0	0
Derivative [Abstract]
Derivative liabilities	$ 0	$ 0

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022USD ($)Segment	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment	3
Revenues [Abstract]
Interest and dividend income	$ 10,470	$ 10,978
Total operating income	13,985	15,112
Expenses [Abstract]
Interest expense	833	822
Provision for loan losses	101	150	$ 794
Salaries and employee benefits	6,422	6,227
Other expenses	4,291	4,331
Total operating expenses	11,647	11,530
Income before income taxes	2,338	3,582
Income tax expense (benefit)	307	570
Net income	2,031	3,012
Capital expenditures	197	126
Total assets	1,325,385	1,257,638	$ 1,338,155
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,072	1,027
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,443	3,107
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	10,456	10,973
Total operating income	12,635	13,839
Expenses [Abstract]
Interest expense	538	818
Provision for loan losses	101	150
Salaries and employee benefits	5,429	5,320
Other expenses	3,888	4,063
Total operating expenses	9,956	10,351
Income before income taxes	2,679	3,488
Income tax expense (benefit)	377	550
Net income	2,302	2,938
Capital expenditures	197	121
Total assets	1,317,803	1,250,353
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	2,179	2,866
Operating Segments [Member] | Trust [Member]
Revenues [Abstract]
Interest and dividend income	14	5
Total operating income	1,365	1,288
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	848	743
Other expenses	294	279
Total operating expenses	1,142	1,022
Income before income taxes	223	266
Income tax expense (benefit)	48	56
Net income	175	210
Capital expenditures	0	5
Total assets	7,125	7,003
Operating Segments [Member] | Trust [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,072	1,027
Operating Segments [Member] | Trust [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	279	256
Operating Segments [Member] | Unconsolidated Parent [Member]
Revenues [Abstract]
Interest and dividend income	850	3,148
Total operating income	900	3,198
Expenses [Abstract]
Interest expense	295	4
Provision for loan losses	0	0
Salaries and employee benefits	145	164
Other expenses	174	54
Total operating expenses	614	222
Income before income taxes	286	2,976
Income tax expense (benefit)	(118)	(36)
Net income	404	3,012
Capital expenditures	0	0
Total assets	137,819	117,956
Operating Segments [Member] | Unconsolidated Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Unconsolidated Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	50	50
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(850)	(3,148)
Total operating income	(915)	(3,213)
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(65)	(65)
Total operating expenses	(65)	(65)
Income before income taxes	(850)	(3,148)
Income tax expense (benefit)	0	0
Net income	(850)	(3,148)
Capital expenditures	0	0
Total assets	(137,362)	(117,674)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (65)	$ (65)