Old Point Financial (OPOF) 10-Q 14 Nov 22 2022 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Nov. 01, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
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		4,996,728

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 16,104	$ 13,424
Interest-bearing due from banks		34,376	164,073
Federal funds sold		4,063	10,425
Cash and cash equivalents		54,543	187,922
Securities available-for-sale, at fair value		227,540	234,321
Restricted securities, at cost		1,389	1,034
Loans held for sale		774	3,287
Loans, net	[1]	945,132	833,661
Premises and equipment, net		31,208	32,134
Premises and equipment, held for sale		1,216	871
Bank-owned life insurance		31,293	28,168
Goodwill		1,650	1,650
Core deposit intangible, net		242	275
Other assets		22,019	14,832
Total assets		1,317,006	1,338,155
Deposits:
Noninterest-bearing deposits		437,247	421,531
Savings deposits		592,239	586,450
Time deposits		152,822	169,118
Total deposits		1,182,308	1,177,099
Overnight repurchase agreements		3,981	4,536
Federal Reserve Bank borrowings		0	480
Long term borrowings		29,505	29,407
Accrued expenses and other liabilities		7,700	5,815
Total liabilities		1,223,494	1,217,337
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 4,996,728 and 5,239,707 shares outstanding (includes 46,092 and 38,435 of nonvested restricted stock, respectively)		24,753	26,006
Additional paid-in capital		16,450	21,458
Retained earnings		76,156	71,679
Accumulated other comprehensive (loss) income, net		(23,847)	1,675
Total stockholders' equity		93,512	120,818
Total liabilities and stockholders' equity		$ 1,317,006	$ 1,338,155
[1]Net deferred loan fees totaled $936 thousand and $1.3 million at September 30, 2022 and December 31, 2021, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 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)	4,996,728	5,239,707
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	46,092	38,435

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and Dividend Income:
Loans, including fees	$ 10,506	$ 9,692	$ 29,173	$ 28,460
Due from banks	252	68	533	163
Federal funds sold	11	0	18	0
Securities:
Taxable	1,297	853	3,409	2,414
Tax-exempt	272	186	732	558
Dividends and interest on all other securities	30	16	58	57
Total interest and dividend income	12,368	10,815	33,923	31,652
Interest Expense:
Checking and savings deposits	147	243	471	693
Time deposits	312	441	993	1,536
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	43	3	45	33
Long term borrowings	295	252	885	252
Total interest expense	797	939	2,394	2,514
Net interest income	11,571	9,876	31,529	29,138
Provision for loan losses	402	360	1,073	510
Net interest income after provision for loan losses	11,169	9,516	30,456	28,628
Noninterest Income:
Bank-owned life insurance income	227	195	653	625
Mortgage banking income	86	460	419	2,029
Total noninterest income	3,365	3,606	10,380	11,278
Noninterest Expense:
Salaries and employee benefits	6,821	6,558	19,854	19,012
Occupancy and equipment	1,184	1,185	3,488	3,510
Data processing	1,206	1,187	3,447	3,427
Customer development	136	78	298	225
Professional services	647	625	1,915	1,790
Employee professional development	230	154	769	487
Other taxes	212	186	637	608
ATM and other losses	112	68	226	224
Other operating expenses	1,017	887	2,734	2,738
Total noninterest expense	11,565	10,928	33,368	32,021
Income before income taxes	2,969	2,194	7,468	7,885
Income tax expense	427	286	1,003	1,123
Net income	$ 2,542	$ 1,908	$ 6,465	$ 6,762
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,015,712	5,245,042	5,095,716	5,235,749
Net income per share of common stock (in dollars per share)	$ 0.51	$ 0.36	$ 1.27	$ 1.29
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,015,712	5,245,172	5,095,768	5,235,793
Net income per share of common stock (in dollars per share)	$ 0.51	$ 0.36	$ 1.27	$ 1.29
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 953	$ 1,032	$ 3,086	$ 3,110
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	795	691	2,278	1,997
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	1,143	1,125	3,339	3,275
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 161	$ 103	$ 605	$ 242

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Consolidated Statements of Comprehensive (Loss) Income [Abstract]
Net income	$ 2,542	$ 1,908	$ 6,465	$ 6,762
Other comprehensive loss, net of tax
Net unrealized loss on available-for-sale securities	(7,997)	(497)	(25,522)	(1,495)
Other comprehensive loss, net of tax	(7,997)	(497)	(25,522)	(1,495)
Comprehensive (loss) income	$ (5,455)	$ 1,411	$ (19,057)	$ 5,267

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	6,762	0	6,762
Other comprehensive loss, net of tax	0	0	0	(1,495)	(1,495)
Employee Stock Purchase Plan share issuance	$ 19	60	0	0	79
Employee Stock Purchase Plan share issuance (in shares)	3,775
Restricted stock vested	$ 43	(43)	0	0	0
Restricted stock vested (in shares)	8,521
Stock-based compensation expense	$ 0	214	0	0	214
Cash dividends	0	0	(1,938)	0	(1,938)
Ending Balance at Sep. 30, 2021	$ 26,034	21,476	70,683	2,574	120,767
Ending Balance (in shares) at Sep. 30, 2021	5,206,739
Beginning Balance at Jun. 30, 2021	$ 26,028	21,372	69,457	3,071	119,928
Beginning Balance (in shares) at Jun. 30, 2021	5,205,532
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	1,908	0	1,908
Other comprehensive loss, net of tax	0	0	0	(497)	(497)
Employee Stock Purchase Plan share issuance	$ 6	20	0	0	26
Employee Stock Purchase Plan share issuance (in shares)	1,207
Restricted stock vested	$ 0	0	0	0	0
Restricted stock vested (in shares)	0
Stock-based compensation expense	$ 0	84	0	0	84
Cash dividends	0	0	(682)	0	(682)
Ending Balance at Sep. 30, 2021	$ 26,034	21,476	70,683	2,574	120,767
Ending Balance (in shares) at Sep. 30, 2021	5,206,739
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	6,465	0	$ 6,465
Other comprehensive loss, net of tax	0	0	0	(25,522)	(25,522)
Employee Stock Purchase Plan share issuance	$ 21	78	0	0	99
Employee Stock Purchase Plan share issuance (in shares)	4,307
Common stock purchased	$ (1,340)	(5,315)	0	0	$ (6,655)
Common stock purchased (in shares)	(268,095)				(268,095)
Restricted stock vested	$ 66	(66)	0	0	$ 0
Restricted stock vested (in shares)	13,152
Stock-based compensation expense	$ 0	295	0	0	295
Cash dividends	0	0	(1,988)	0	(1,988)
Ending Balance at Sep. 30, 2022	$ 24,753	16,450	76,156	(23,847)	$ 93,512
Ending Balance (in shares) at Sep. 30, 2022	4,950,636				4,996,728
Beginning Balance at Jun. 30, 2022	$ 25,091	17,643	74,266	(15,850)	$ 101,150
Beginning Balance (in shares) at Jun. 30, 2022	5,018,144
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	2,542	0	2,542
Other comprehensive loss, net of tax	0	0	0	(7,997)	(7,997)
Employee Stock Purchase Plan share issuance	$ 7	26	0	0	33
Employee Stock Purchase Plan share issuance (in shares)	1,492
Common stock purchased	$ (345)	(1,340)	0	0	$ (1,685)
Common stock purchased (in shares)	(69,000)				(69,000)
Restricted stock vested	$ 0	0	0	0	$ 0
Restricted stock vested (in shares)	0
Stock-based compensation expense	$ 0	121	0	0	121
Cash dividends	0	0	(652)	0	(652)
Ending Balance at Sep. 30, 2022	$ 24,753	$ 16,450	$ 76,156	$ (23,847)	$ 93,512
Ending Balance (in shares) at Sep. 30, 2022	4,950,636				4,996,728

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.13	$ 0.13	$ 0.39	$ 0.37

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,542	$ 1,908	$ 6,465	$ 6,762
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization			1,550	1,559
Amortization of right of use lease asset			240	266
Accretion related to acquisition, net			10	(5)
Amortization of subordinated debt issuance costs			98	27
Provision for loan losses	402	360	1,073	510	$ 794
Net amortization of securities			923	709
Decrease in loans held for sale, net			2,513	8,673
Income from bank owned life insurance	(227)	(195)	(653)	(625)
Stock compensation expense			295	214
Deferred tax (benefit)			0	(12)
Increase in other assets			(287)	(560)
Increase in accrued expenses and other liabilities			1,557	94
Net cash provided by operating activities			13,784	17,612
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities			(47,543)	(55,698)
(Purchase of) proceeds from redemption of restricted securities, net			(355)	333
Proceeds from maturities and calls of available-for-sale securities			3,950	8,779
Proceeds from sales of available-for-sale securities			3,950	4,330
Paydowns on available-for-sale securities			13,195	13,957
Net increase in loans held for investment			(112,521)	(4,180)
Purchases of bank-owned life insurance			(2,500)	0
Purchases of premises and equipment	(368)	(370)	(969)	(1,130)
Proceeds from sale of premises and equipment			0	31
Net cash used in investing activities			(142,793)	(33,578)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits			15,716	32,384
Increase in savings deposits			5,789	71,664
Decrease in time deposits			(16,296)	(20,578)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net			(555)	(3,473)
Repayment of Federal Reserve Bank borrowings			(480)	(27,652)
Increase in long term borrowings			0	29,347
Proceeds from ESPP issuance			99	79
Repurchase of common stock			(6,655)	0
Cash dividends paid on common stock			(1,988)	(1,938)
Net cash (used in) provided by financing activities			(4,370)	79,833
Net (decrease) increase in cash and cash equivalents			(133,379)	63,867
Cash and cash equivalents at beginning of period			187,922	120,437	120,437
Cash and cash equivalents at end of period	$ 54,543	$ 184,304	54,543	184,304	$ 187,922
Cash payments for:
Interest			2,609	2,442
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized (loss) gain on securities available-for-sale			(32,307)	(1,892)
Former bank property transferred from fixed assets to held for sale assets			345	902
Right of use lease asset and liability			$ 327	$ 0

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 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. (Wealth Management). As of September 30, 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. Wealth Management 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 Wealth Management 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 September 30, 2022 and December 31, 2021, the statements of income, comprehensive (loss) income, and changes in stockholders’ equity for the three and nine months ended September 30, 2022 and 2021, and the statements of cash flows for the nine months ended September 30, 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 . RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (FASB) issued ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. 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 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 The Company has engaged a vendor to assist in modeling expected lifetime losses under ASC 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 and is continuing to develop and refine an approach to estimating the allowance for credit losses. The adoption of ASC 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, charge-offs and recoveries of loans, and certain loan modifications. The Company has not yet determined an estimate of the effect of these changes, which will be determined based on the facts and circumstances at the time of adoption. 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	9 Months Ended
	Sep. 30, 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: September 30, 2022 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 23,092 $ - $ (2,447 ) $ 20,645 Obligations of U.S. Government agencies 34,885 - (1,077 ) 33,808 Obligations of state and political subdivisions 78,226 - (13,752 ) 64,474 Mortgage-backed securities 91,567 26 (10,670 ) 80,923 Money market investments 1,965 - - 1,965 Corporate bonds and other securities 27,991 - (2,266 ) 25,725 $ 257,726 $ 26 $ (30,212 ) $ 227,540 December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 15,052 $ - $ (148 ) $ 14,904 Obligations of U.S. Government agencies 38,651 75 (168 ) 38,558 Obligations of state and political subdivisions 64,132 1,948 (277 ) 65,803 Mortgage-backed securities 88,511 1,348 (801 ) 89,058 Money market investments 2,413 - - 2,413 Corporate bonds and other securities 23,441 261 (117 ) 23,585 $ 232,200 $ 3,632 $ (1,511 ) $ 234,321 The amortized cost and fair value of securities by contractual maturity are shown below. September 30, 2022 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 200 $ 193 Due after one year through five years 19,953 18,938 Due after five through ten years 85,547 75,346 Due after ten years 150,062 131,098 Other securities, restricted 1,964 1,965 $ 257,726 $ 227,540 The Company did not realize any gains or losses on the sale of investment securities during the nine months ended September 30, 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 September 30, 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: September 30, 2022 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value U.S. Treasury securities $ 1,151 $ 12,898 $ 1,296 $ 7,747 $ 2,447 $ 20,645 Obligations of U.S. Government agencies 596 22,316 481 11,492 1,077 33,808 Obligations of state and political subdivisions 10,427 53,589 3,325 10,040 13,752 63,629 Mortgage-backed securities 5,508 54,188 5,162 25,730 10,670 79,918 Corporate bonds and other securities 1,522 16,719 744 7,005 2,266 23,724 Total securities available-for-sale $ 19,204 $ 159,710 $ 11,008 $ 62,014 $ 30,212 $ 221,724 December 31, 2021 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value U.S. Treasury securities $ 148 $ 14,904 $ - $ - $ 148 $ 14,904 Obligations of U.S. Government agencies 131 19,181 37 5,042 168 24,223 Obligations of state and political subdivisions 277 20,673 - - 277 20,673 Mortgage-backed securities 608 35,882 193 6,450 801 42,332 Corporate bonds and other securities 117 9,833 - - 117 9,833 Total securities available-for-sale $ 1,281 $ 100,473 $ 230 $ 11,492 $ 1,511 $ 111,965 The number of investments in an unrealized loss position as of September and December were and respectively. Certain investments within the Company’s portfolio had unrealized losses for more than months at September and December 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 September and no other-than-temporary impairment loss has been recognized in net income during the months of based primarily on the following: (i) changes in fair value were caused primarily by fluctuations in interest rates, (ii) securities with unrealized losses had generally high credit quality, (iii) 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 (iv) 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	9 Months Ended
	Sep. 30, 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) September 30, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 169,247 $ 130,776 Commercial - owner occupied 207,131 198,413 Commercial - non-owner occupied 202,702 184,190 Multifamily 25,192 19,050 Construction 68,005 58,440 Second mortgages 8,718 7,877 Equity lines of credit 53,228 48,665 Total mortgage loans on real estate 734,223 647,411 Commercial and industrial loans 66,724 68,690 Consumer automobile loans 127,961 85,023 Other consumer loans 23,216 33,418 Other (1) 2,941 8,984 Total loans, net of deferred fees 955,065 843,526 Less: Allowance for loan losses 9,933 9,865 Loans, net of allowance and deferred fees (2) $ 945,132 $ 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 $323 thousand and $304 thousand at September 30, 2022 and December 31, 2021, respectively. (2) Net deferred loan fees totaled $936 thousand and $1.3 million at September 30, 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: • Other Assets Especially Mentioned (OAEM): • Substandard: • Doubtful: • Loss: The following tables present credit quality exposures by internally assigned risk ratings as of the dates indica Credit Quality Information As of September 30 2022 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 169,090 $ - $ 157 $ - $ 169,247 Commercial - owner occupied 204,730 290 2,111 - 207,131 Commercial - non-owner occupied 202,153 - 549 - 202,702 Multifamily 25,192 - - - 25,192 Construction 66,847 - 1,158 - 68,005 Second mortgages 8,718 - - - 8,718 Equity lines of credit 53,228 - - - 53,228 Total mortgage loans on real estate $ 729,958 $ 290 $ 3,975 $ - $ 734,223 Commercial and industrial loans 66,324 - 400 - 66,724 Consumer automobile loans 127,944 - 17 - 127,961 Other consumer loans 23,216 - - - 23,216 Other 2,941 - - - 2,941 Total $ 950,383 $ 290 $ 4,392 $ - $ 955,065 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 September 30, 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 September 30, 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 $ 109 $ 425 $ - $ 157 $ 168,556 $ 169,247 Commercial - owner occupied - 536 - 2,111 204,484 207,131 Commercial - non-owner occupied - - - 549 202,153 202,702 Multifamily - - - - 25,192 25,192 Construction - 87 - 1,158 66,760 68,005 Second mortgages - - - - 8,718 8,718 Equity lines of credit 60 - - - 53,168 53,228 Total mortgage loans on real estate $ 169 $ 1,048 $ - $ 3,975 $ 729,031 $ 734,223 Commercial and industrial loans 7 - 35 400 66,282 66,724 Consumer automobile loans 1,174 152 250 - 126,385 127,961 Other consumer loans 309 173 45 - 22,689 23,216 Other 18 15 - - 2,908 2,941 Total $ 1,677 $ 1,388 $ 330 $ 4,375 $ 947,295 $ 955,065 (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. There were no past due loans guaranteed by the federal government as of September 30, 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. 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) September 30, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 157 $ 191 Commercial - owner occupied 2,111 - Commercial - non-owner occupied 549 113 Construction and land development 1,158 - Total mortgage loans on real estate 3,975 304 Commercial and industrial loans 400 174 Total $ 4,375 $ 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: Nine Months Ended September 30, (dollars in thousands) 2022 2021 Interest income that would have been recorded under original loan terms $ 92 $ 8 Actual interest income recorded for the period 11 2 Reduction in interest income on nonaccrual loans $ 81 $ 6 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 nine months ended September 30, 2022 and 2021. At September 30, 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 September 30, 2022 and 2021. In the three and nine months ended September 30, 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 Nine Months Ended As of September 30, 2022 September 30, 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 $ 290 $ 45 $ 239 $ 35 $ 288 $ 5 Commercial 4,469 3,687 617 7 4,344 - Construction 1,236 998 236 55 1,235 3 Second mortgages - - - - - - Total mortgage loans on real estate 5,995 4,730 1,092 97 5,867 8 Commercial and industrial loans 399 400 - - 399 5 Other consumer loans 3 2 - - 2 - Total $ 6,397 $ 5,132 $ 1,092 $ 97 $ 6,268 $ 13 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: • Real estate-construction: • Real estate-mortgage: • Consumer loans: • Other loans: 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 September 30, 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. 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, increases in market interest rates, and potential effects on credit quality, which may result in 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 $9.9 million adequate to cover estimable and probable loan losses inherent in the loan portfolio at September 30, 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 nine months ended September 30, 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 (297 ) - (25 ) - (1,095 ) (281 ) - (1,698 ) Recoveries 131 - 52 22 389 99 - 693 Provision for loan losses 107 70 190 (464 ) 982 188 - 1,073 Ending Balance $ 624 $ 529 $ 2,607 $ 4,345 $ 1,638 $ 190 $ - $ 9,933 Individually evaluated for impairment $ - $ 55 $ 35 $ 7 $ - $ - $ - $ 97 Collectively evaluated for impairment 624 474 2,572 4,338 1,638 190 - 9,836 Ending Balance $ 624 $ 529 $ 2,607 $ 4,345 $ 1,638 $ 190 $ - $ 9,933 Loans Balances: Individually evaluated for impairment 400 1,234 284 4,304 2 - - 6,224 Collectively evaluated for impairment 66,324 66,771 256,101 405,529 151,175 2,941 - 948,841 Ending Balance $ 66,724 $ 68,005 $ 256,385 $ 409,833 $ 151,177 $ 2,941 $ - $ 955,065 (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	9 Months Ended
	Sep. 30, 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 (dollars in thousands) September 30, 2022 Lease liabilities $ 1,124 Right-of-use assets $ 1,093 Weighted average remaining lease term 3.35 years Weighted average discount rate 2.04 % Three Months Ended September 30, Nine Months Ended September 30, Lease cost 2022 2021 2022 2021 Operating lease cost $ 87 $ 81 $ 251 $ 266 Total lease cost $ 87 $ 81 $ 251 $ 266 Cash paid for amounts included in the measurement of lease liabilities $ 85 $ 82 $ 254 $ 269 A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: As of Lease payments due September 30, 2022 Three months ending December 31, 2022 $ 91 Twelve months ending December 31, 2023 315 Twelve months ending December 31, 2024 310 Twelve months ending December 31, 2025 265 Thereafter 214 Total undiscounted cash flows $ 1,195 Discount (71 ) Lease liabilities $ 1,124

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	9 Months Ended
	Sep. 30, 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 September 30, 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 $1.7 million and $1.9 million at September 30, 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 September 30, 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 Nine Months Ended September 30, September 30, (dollars in thousands) 2022 2021 2022 2021 Tax credits and other benefits Amortization of operating losses $ 51 $ 51 $ 153 $ 151 Tax benefit of operating losses* 11 11 32 32 Tax credits 89 89 267 272 Total tax benefits $ 100 $ 100 $ 299 $ 304 * Computed using a 21% tax rate.

Borrowings

Borrowings	9 Months Ended
	Sep. 30, 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 September 30, 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 $392.1 million and $391.3 as of September 30, 2022 and December 31, 2021, respectively. SHORT-TERM BORROWINGS The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) September 30, 2022 December 31, 2021 Overnight repurchase agreements $ 3,981 $ 4,536 Total short-term borrowings $ 3,981 $ 4,536 Maximum month-end outstanding balance $ 24,134 $ 12,239 Average outstanding balance during the period $ 7,088 $ 7,293 Average interest rate (year-to-date) 0.84 % 0.10 % Average interest rate at end of period 0.05 % 0.10 % LONG-TERM BORROWINGS At September 30, 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	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: September 30, December 31, (dollars in thousands) 2022 2021 Commitments to extend credit: Home equity lines of credit $ 84,467 $ 71,751 Commercial real estate, construction and development loans committed but not funded 71,303 42,683 Other lines of credit (principally commercial) 50,091 52,695 Total $ 205,861 $ 167,129 Letters of credit $ 881 $ 3,617

Share-Based Compensation

Share-Based Compensation	9 Months Ended
	Sep. 30, 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 and non-employee directors 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 September 30, 2022 only restricted stock has been granted under the Incentive Stock Plan. Restricted stock activity for the nine months ended September 30, 2022 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2022 38,435 $ 20.49 Issued 20,809 25.65 Vested (13,152 ) 21.93 Forfeited - - Nonvested, September 30, 2022 46,092 $ 22.41 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.41 years. The fair value of restricted stock granted during the nine months ended September 30, 2022 and 2021 was $534 thousand and $403 thousand, respectively. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $591 thousand as of September 30, 2022 and $411 thousand as of September 30, 2021. Stock-based compensation expense was $121 thousand and $84 thousand for the three months ended September 30, 2022 and 2021, respectively, and $295 thousand and $214 thousand for the nine months ended September 30, 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 nine months of 2022. Total stock purchases under the ESPP amounted to 4,307 shares during the nine months ended September 30, 2022. At September 30, 2022, the Company had 223,236 remaining shares reserved for issuance under the ESPP.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Share	9 Months Ended
	Sep. 30, 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) There were no amounts reclassified out of accumulated other comprehensive income (loss), by category, during the three or nine month periods ended September 30, 2022 or 2021, respectively. 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 (Loss) Income Three Months Ended September 30 2022 Balance at beginning of period $ (15,850 ) $ (15,850 ) Net other comprehensive loss (7,997 ) (7,997 ) Balance at end of period $ (23,847 ) $ (23,847 ) Three Months Ended September 30 2021 Balance at beginning of period $ 3,071 $ 3,071 Net other comprehensive loss (497 ) (497 ) Balance at end of period $ 2,574 $ 2,574 (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Nine September 30 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (25,522 ) (25,522 ) Balance at end of period $ (23,847 ) $ (23,847 ) Nine September 30 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (1,495 ) (1,495 ) Balance at end of period $ 2,574 $ 2,574 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 September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (10,124 ) $ (2,127 ) $ (7,997 ) Total change in accumulated other comprehensive income, net $ (10,124 ) $ (2,127 ) $ (7,997 ) Three Months Ended September 30, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (629 ) $ (132 ) $ (497 ) Total change in accumulated other comprehensive income, net $ (629 ) $ (132 ) $ (497 ) Nine Months Ended September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (32,307 ) $ (6,785 ) $ (25,522 ) Total change in accumulated other comprehensive income, net $ (32,307 ) $ (6,785 ) $ (25,522 ) Nine Months Ended September 30, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,892 ) $ (397 ) $ (1,495 ) Total change in accumulated other comprehensive income, net $ (1,892 ) $ (397 ) $ (1,495 ) 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 and nine months ended September 30, 2022 and 2021: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Three Months Ended September 30 2022 Net income, basic $ 2,542 5,016 $ 0.51 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 2,542 5,016 $ 0.51 Three Months Ended September 30 2021 Net income, basic $ 1,908 5,245 $ 0.36 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 1,908 5,245 $ 0.36 Nine September 30 2022 Net income, basic $ 6,465 5,096 $ 1.27 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 6,465 5,096 $ 1.27 Nine September 30 2021 Net income, basic $ 6,762 5,236 $ 1.29 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 6,762 5,236 $ 1.29 The Company had no antidilutive shares outstanding in the three and nine months ended September 30, 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 (the Repurchase Program) which was authorized by the Board of Directors in October 2021 to repurchase up to 10% of the Company’s issued and outstanding common stock through November During the nine months of 268,095 shares, for an aggregate purchase price of , were repurchased by the Company under the Repurchase Plan, and of these shares, approximately 69,000 shares, for an aggregate purchase price of $1.7 million, were repurchased by the Company during the third quarter of 2022.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 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 on loans 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 September 30, 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 $ 20,645 $ - $ 20,645 $ - Obligations of U.S. Government agencies 33,808 - 33,808 - Obligations of state and political subdivisions 64,474 - 64,474 - Mortgage-backed securities 80,923 - 80,923 - Money market investments 1,965 - 1,965 - Corporate bonds and other securities 25,725 - 25,725 - Total available-for-sale securities 227,540 - 227,540 - Derivatives Interest rate lock 15 - 15 - Interest rate swap on loans 1,585 - 1,585 - Total assets $ 229,140 $ - $ 229,140 $ - Liabilities: Derivatives Interest rate swap on loans 1,585 - 1,585 - Total liabilities $ 1,585 $ - $ 1,585 $ - 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 September 30, 2022 (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: Construction $ 110 $ - $ - $ 110 Total $ 110 $ - $ - $ 110 Loans Loans held for sale $ 774 $ - $ 774 $ - 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 September 30, 2022 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Construction $ 110 Market comparables Selling costs 3.00% -8.00% (7.25 %) 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 September 30, 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 $ 54,543 $ 54,543 $ - $ - Securities available-for-sale 227,540 - 227,540 - Restricted securities 1,389 - 1,389 - Loans held for sale 774 - 774 - Loans, net of allowances for loan losses 945,132 - - 925,965 Derivatives Interest rate lock 15 - 15 - Interest rate swap on loans 1,585 - 1,585 - Bank owned life insurance 31,293 - 31,293 - Accrued interest receivable 3,773 - 3,773 - Liabilities Deposits $ 1,182,308 $ - $ 1,182,220 $ - Overnight repurchase agreements 3,981 - 3,981 - Long term borrowings 29,505 - 25,240 - Derivatives Interest rate swap on loans 1,585 - 1,585 - Accrued interest payable 380 - 380 - 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	9 Months Ended
	Sep. 30, 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 Wealth Management, and the Company (for purposes of this Note, the Parent). Information about reportable segments, and reconciliation of such information to the consolidated financial statements as of and for the three and nine months ended September 30, 2022 and 2021 follows: Three Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 12,347 $ 21 $ 2,968 $ (2,968 ) $ 12,368 Income from fiduciary activities - 953 - - 953 Other income 2,085 342 50 (65 ) 2,412 Total operating income 14,432 1,316 3,018 (3,033 ) 15,733 Expenses Interest expense 502 - 295 - 797 Provision for loan losses 402 - - - 402 Salaries and employee benefits 5,733 902 186 - 6,821 Other expenses 4,413 288 108 (65 ) 4,744 Total operating expenses 11,050 1,190 589 (65 ) 12,764 Income before taxes 3,382 126 2,429 (2,968 ) 2,969 Income tax expense (benefit) 514 27 (114 ) - 427 Net income $ 2,868 $ 99 $ 2,543 $ (2,968 ) $ 2,542 Capital expenditures $ 355 $ 13 $ - $ - $ 368 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 Three Months Ended September 30, 2021 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 10,809 $ 6 $ 2,281 $ (2,281 ) $ 10,815 Income from fiduciary activities - 1,032 - - 1,032 Other income 2,341 249 50 (66 ) 2,574 Total operating income 13,150 1,287 2,331 (2,347 ) 14,421 Expenses Interest expense 688 - 251 - 939 Provision for loan losses 360 - - - 360 Salaries and employee benefits 5,644 746 168 - 6,558 Other expenses 4,077 257 102 (66 ) 4,370 Total operating expenses 10,769 1,003 521 (66 ) 12,227 Income before taxes 2,381 284 1,810 (2,281 ) 2,194 Income tax expense (benefit) 325 59 (98 ) - 286 Net income $ 2,056 $ 225 $ 1,908 $ (2,281 ) $ 1,908 Capital expenditures $ 370 $ - $ - $ - $ 370 Total assets $ 1,304,291 $ 7,222 $ 150,442 $ (150,329 ) $ 1,311,626 Nine Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 33,871 $ 52 $ 7,826 $ (7,826 ) $ 33,923 Income from fiduciary activities - 3,086 - - 3,086 Other income 6,394 946 150 (196 ) 7,294 Total operating income 40,265 4,084 7,976 (8,022 ) 44,303 Expenses Interest expense 1,509 - 885 - 2,394 Provision for loan losses 1,073 - - - 1,073 Salaries and employee benefits 16,704 2,643 507 - 19,854 Other expenses 12,363 867 480 (196 ) 13,514 Total operating expenses 31,649 3,510 1,872 (196 ) 36,835 Income before taxes 8,616 574 6,104 (7,826 ) 7,468 Income tax expense (benefit) 1,243 122 (362 ) - 1,003 Net income $ 7,373 $ 452 $ 6,466 $ (7,826 ) $ 6,465 Capital expenditures $ 956 $ 13 $ - $ - $ 969 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 Nine Months Ended September 30, 2021 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 31,635 $ 17 $ 7,458 $ (7,458 ) $ 31,652 Income from fiduciary activities - 3,110 - - 3,110 Other income 7,426 788 150 (196 ) 8,168 Total operating income 39,061 3,915 7,608 (7,654 ) 42,930 Expenses Interest expense 2,258 - 256 - 2,514 Provision for loan losses 510 - - - 510 Salaries and employee benefits 16,263 2,253 496 - 19,012 Other expenses 12,139 788 278 (196 ) 13,009 Total operating expenses 31,170 3,041 1,030 (196 ) 35,045 Income before taxes 7,891 874 6,578 (7,458 ) 7,885 Income tax expense (benefit) 1,123 184 (184 ) - 1,123 Net income $ 6,768 $ 690 $ 6,762 $ (7,458 ) $ 6,762 Capital expenditures $ 1,089 $ 41 $ - $ - $ 1,130 Total assets $ 1,304,291 $ 7,222 $ 150,442 $ (150,329 ) $ 1,311,626 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)	9 Months Ended
	Sep. 30, 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 Wealth Management
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 September 30, 2022 and December 31, 2021, the statements of income, comprehensive (loss) income, and changes in stockholders’ equity for the three and nine months ended September 30, 2022 and 2021, and the statements of cash flows for the nine months ended September 30, 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 .
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (FASB) issued ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. 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 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 The Company has engaged a vendor to assist in modeling expected lifetime losses under ASC 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 and is continuing to develop and refine an approach to estimating the allowance for credit losses. The adoption of ASC 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, charge-offs and recoveries of loans, and certain loan modifications. The Company has not yet determined an estimate of the effect of these changes, which will be determined based on the facts and circumstances at the time of adoption. 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)	9 Months Ended
	Sep. 30, 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: September 30, 2022 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 23,092 $ - $ (2,447 ) $ 20,645 Obligations of U.S. Government agencies 34,885 - (1,077 ) 33,808 Obligations of state and political subdivisions 78,226 - (13,752 ) 64,474 Mortgage-backed securities 91,567 26 (10,670 ) 80,923 Money market investments 1,965 - - 1,965 Corporate bonds and other securities 27,991 - (2,266 ) 25,725 $ 257,726 $ 26 $ (30,212 ) $ 227,540 December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 15,052 $ - $ (148 ) $ 14,904 Obligations of U.S. Government agencies 38,651 75 (168 ) 38,558 Obligations of state and political subdivisions 64,132 1,948 (277 ) 65,803 Mortgage-backed securities 88,511 1,348 (801 ) 89,058 Money market investments 2,413 - - 2,413 Corporate bonds and other securities 23,441 261 (117 ) 23,585 $ 232,200 $ 3,632 $ (1,511 ) $ 234,321
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities by contractual maturity are shown below. September 30, 2022 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 200 $ 193 Due after one year through five years 19,953 18,938 Due after five through ten years 85,547 75,346 Due after ten years 150,062 131,098 Other securities, restricted 1,964 1,965 $ 257,726 $ 227,540
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 September 30, 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: September 30, 2022 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value U.S. Treasury securities $ 1,151 $ 12,898 $ 1,296 $ 7,747 $ 2,447 $ 20,645 Obligations of U.S. Government agencies 596 22,316 481 11,492 1,077 33,808 Obligations of state and political subdivisions 10,427 53,589 3,325 10,040 13,752 63,629 Mortgage-backed securities 5,508 54,188 5,162 25,730 10,670 79,918 Corporate bonds and other securities 1,522 16,719 744 7,005 2,266 23,724 Total securities available-for-sale $ 19,204 $ 159,710 $ 11,008 $ 62,014 $ 30,212 $ 221,724 December 31, 2021 Less than 12 months 12 months or more Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (Dollars in thousands) Losses Value Losses Value Losses Value U.S. Treasury securities $ 148 $ 14,904 $ - $ - $ 148 $ 14,904 Obligations of U.S. Government agencies 131 19,181 37 5,042 168 24,223 Obligations of state and political subdivisions 277 20,673 - - 277 20,673 Mortgage-backed securities 608 35,882 193 6,450 801 42,332 Corporate bonds and other securities 117 9,833 - - 117 9,833 Total securities available-for-sale $ 1,281 $ 100,473 $ 230 $ 11,492 $ 1,511 $ 111,965

Loans and the Allowance for L_2

Loans and the Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 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) September 30, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 169,247 $ 130,776 Commercial - owner occupied 207,131 198,413 Commercial - non-owner occupied 202,702 184,190 Multifamily 25,192 19,050 Construction 68,005 58,440 Second mortgages 8,718 7,877 Equity lines of credit 53,228 48,665 Total mortgage loans on real estate 734,223 647,411 Commercial and industrial loans 66,724 68,690 Consumer automobile loans 127,961 85,023 Other consumer loans 23,216 33,418 Other (1) 2,941 8,984 Total loans, net of deferred fees 955,065 843,526 Less: Allowance for loan losses 9,933 9,865 Loans, net of allowance and deferred fees (2) $ 945,132 $ 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 $323 thousand and $304 thousand at September 30, 2022 and December 31, 2021, respectively. (2) Net deferred loan fees totaled $936 thousand and $1.3 million at September 30, 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 indica Credit Quality Information As of September 30 2022 (dollars in thousands) Pass OAEM Substandard Doubtful Total Mortgage loans on real estate: Residential 1-4 family $ 169,090 $ - $ 157 $ - $ 169,247 Commercial - owner occupied 204,730 290 2,111 - 207,131 Commercial - non-owner occupied 202,153 - 549 - 202,702 Multifamily 25,192 - - - 25,192 Construction 66,847 - 1,158 - 68,005 Second mortgages 8,718 - - - 8,718 Equity lines of credit 53,228 - - - 53,228 Total mortgage loans on real estate $ 729,958 $ 290 $ 3,975 $ - $ 734,223 Commercial and industrial loans 66,324 - 400 - 66,724 Consumer automobile loans 127,944 - 17 - 127,961 Other consumer loans 23,216 - - - 23,216 Other 2,941 - - - 2,941 Total $ 950,383 $ 290 $ 4,392 $ - $ 955,065 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 September 30, 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 $ 109 $ 425 $ - $ 157 $ 168,556 $ 169,247 Commercial - owner occupied - 536 - 2,111 204,484 207,131 Commercial - non-owner occupied - - - 549 202,153 202,702 Multifamily - - - - 25,192 25,192 Construction - 87 - 1,158 66,760 68,005 Second mortgages - - - - 8,718 8,718 Equity lines of credit 60 - - - 53,168 53,228 Total mortgage loans on real estate $ 169 $ 1,048 $ - $ 3,975 $ 729,031 $ 734,223 Commercial and industrial loans 7 - 35 400 66,282 66,724 Consumer automobile loans 1,174 152 250 - 126,385 127,961 Other consumer loans 309 173 45 - 22,689 23,216 Other 18 15 - - 2,908 2,941 Total $ 1,677 $ 1,388 $ 330 $ 4,375 $ 947,295 $ 955,065 (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. There were no past due loans guaranteed by the federal government as of September 30, 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) September 30, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 157 $ 191 Commercial - owner occupied 2,111 - Commercial - non-owner occupied 549 113 Construction and land development 1,158 - Total mortgage loans on real estate 3,975 304 Commercial and industrial loans 400 174 Total $ 4,375 $ 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: Nine Months Ended September 30, (dollars in thousands) 2022 2021 Interest income that would have been recorded under original loan terms $ 92 $ 8 Actual interest income recorded for the period 11 2 Reduction in interest income on nonaccrual loans $ 81 $ 6
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 Nine Months Ended As of September 30, 2022 September 30, 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 $ 290 $ 45 $ 239 $ 35 $ 288 $ 5 Commercial 4,469 3,687 617 7 4,344 - Construction 1,236 998 236 55 1,235 3 Second mortgages - - - - - - Total mortgage loans on real estate 5,995 4,730 1,092 97 5,867 8 Commercial and industrial loans 399 400 - - 399 5 Other consumer loans 3 2 - - 2 - Total $ 6,397 $ 5,132 $ 1,092 $ 97 $ 6,268 $ 13 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 nine months ended September 30, 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 (297 ) - (25 ) - (1,095 ) (281 ) - (1,698 ) Recoveries 131 - 52 22 389 99 - 693 Provision for loan losses 107 70 190 (464 ) 982 188 - 1,073 Ending Balance $ 624 $ 529 $ 2,607 $ 4,345 $ 1,638 $ 190 $ - $ 9,933 Individually evaluated for impairment $ - $ 55 $ 35 $ 7 $ - $ - $ - $ 97 Collectively evaluated for impairment 624 474 2,572 4,338 1,638 190 - 9,836 Ending Balance $ 624 $ 529 $ 2,607 $ 4,345 $ 1,638 $ 190 $ - $ 9,933 Loans Balances: Individually evaluated for impairment 400 1,234 284 4,304 2 - - 6,224 Collectively evaluated for impairment 66,324 66,771 256,101 405,529 151,175 2,941 - 948,841 Ending Balance $ 66,724 $ 68,005 $ 256,385 $ 409,833 $ 151,177 $ 2,941 $ - $ 955,065 (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)	9 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Information About Leases	The right-of-use asset and lease liability are included in other assets other liabilities (dollars in thousands) September 30, 2022 Lease liabilities $ 1,124 Right-of-use assets $ 1,093 Weighted average remaining lease term 3.35 years Weighted average discount rate 2.04 %
Lease Cost	Three Months Ended September 30, Nine Months Ended September 30, Lease cost 2022 2021 2022 2021 Operating lease cost $ 87 $ 81 $ 251 $ 266 Total lease cost $ 87 $ 81 $ 251 $ 266 Cash paid for amounts included in the measurement of lease liabilities $ 85 $ 82 $ 254 $ 269
Maturity of Operating Lease Liabilities	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: As of Lease payments due September 30, 2022 Three months ending December 31, 2022 $ 91 Twelve months ending December 31, 2023 315 Twelve months ending December 31, 2024 310 Twelve months ending December 31, 2025 265 Thereafter 214 Total undiscounted cash flows $ 1,195 Discount (71 ) Lease liabilities $ 1,124

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	9 Months Ended
	Sep. 30, 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 Nine Months Ended September 30, September 30, (dollars in thousands) 2022 2021 2022 2021 Tax credits and other benefits Amortization of operating losses $ 51 $ 51 $ 153 $ 151 Tax benefit of operating losses* 11 11 32 32 Tax credits 89 89 267 272 Total tax benefits $ 100 $ 100 $ 299 $ 304 * Computed using a 21% tax rate.

Borrowings (Tables)

Borrowings (Tables)	9 Months Ended
	Sep. 30, 2022
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) September 30, 2022 December 31, 2021 Overnight repurchase agreements $ 3,981 $ 4,536 Total short-term borrowings $ 3,981 $ 4,536 Maximum month-end outstanding balance $ 24,134 $ 12,239 Average outstanding balance during the period $ 7,088 $ 7,293 Average interest rate (year-to-date) 0.84 % 0.10 % Average interest rate at end of period 0.05 % 0.10 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: September 30, December 31, (dollars in thousands) 2022 2021 Commitments to extend credit: Home equity lines of credit $ 84,467 $ 71,751 Commercial real estate, construction and development loans committed but not funded 71,303 42,683 Other lines of credit (principally commercial) 50,091 52,695 Total $ 205,861 $ 167,129 Letters of credit $ 881 $ 3,617

Share-Based Compensation (Table

Share-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2022
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the nine months ended September 30, 2022 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2022 38,435 $ 20.49 Issued 20,809 25.65 Vested (13,152 ) 21.93 Forfeited - - Nonvested, September 30, 2022 46,092 $ 22.41

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Share (Tables)	9 Months Ended
	Sep. 30, 2022
Stockholders' Equity and Earnings per Share [Abstract]
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 (Loss) Income Three Months Ended September 30 2022 Balance at beginning of period $ (15,850 ) $ (15,850 ) Net other comprehensive loss (7,997 ) (7,997 ) Balance at end of period $ (23,847 ) $ (23,847 ) Three Months Ended September 30 2021 Balance at beginning of period $ 3,071 $ 3,071 Net other comprehensive loss (497 ) (497 ) Balance at end of period $ 2,574 $ 2,574 (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Nine September 30 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (25,522 ) (25,522 ) Balance at end of period $ (23,847 ) $ (23,847 ) Nine September 30 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (1,495 ) (1,495 ) Balance at end of period $ 2,574 $ 2,574
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 September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (10,124 ) $ (2,127 ) $ (7,997 ) Total change in accumulated other comprehensive income, net $ (10,124 ) $ (2,127 ) $ (7,997 ) Three Months Ended September 30, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (629 ) $ (132 ) $ (497 ) Total change in accumulated other comprehensive income, net $ (629 ) $ (132 ) $ (497 ) Nine Months Ended September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (32,307 ) $ (6,785 ) $ (25,522 ) Total change in accumulated other comprehensive income, net $ (32,307 ) $ (6,785 ) $ (25,522 ) Nine Months Ended September 30, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,892 ) $ (397 ) $ (1,495 ) Total change in accumulated other comprehensive income, net $ (1,892 ) $ (397 ) $ (1,495 )
Computation of Earnings Per Share	The following is a reconciliation of the denominators of the basic and diluted EPS computations for the three and nine months ended September 30, 2022 and 2021: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Three Months Ended September 30 2022 Net income, basic $ 2,542 5,016 $ 0.51 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 2,542 5,016 $ 0.51 Three Months Ended September 30 2021 Net income, basic $ 1,908 5,245 $ 0.36 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 1,908 5,245 $ 0.36 Nine September 30 2022 Net income, basic $ 6,465 5,096 $ 1.27 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 6,465 5,096 $ 1.27 Nine September 30 2021 Net income, basic $ 6,762 5,236 $ 1.29 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 6,762 5,236 $ 1.29

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2022
Fair Value Measurements [Abstract]
Assets and Liabilities 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 September 30, 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 $ 20,645 $ - $ 20,645 $ - Obligations of U.S. Government agencies 33,808 - 33,808 - Obligations of state and political subdivisions 64,474 - 64,474 - Mortgage-backed securities 80,923 - 80,923 - Money market investments 1,965 - 1,965 - Corporate bonds and other securities 25,725 - 25,725 - Total available-for-sale securities 227,540 - 227,540 - Derivatives Interest rate lock 15 - 15 - Interest rate swap on loans 1,585 - 1,585 - Total assets $ 229,140 $ - $ 229,140 $ - Liabilities: Derivatives Interest rate swap on loans 1,585 - 1,585 - Total liabilities $ 1,585 $ - $ 1,585 $ - 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 September 30, 2022 (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: Construction $ 110 $ - $ - $ 110 Total $ 110 $ - $ - $ 110 Loans Loans held for sale $ 774 $ - $ 774 $ - 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 September 30, 2022 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Construction $ 110 Market comparables Selling costs 3.00% -8.00% (7.25 %) 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 September 30, 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 $ 54,543 $ 54,543 $ - $ - Securities available-for-sale 227,540 - 227,540 - Restricted securities 1,389 - 1,389 - Loans held for sale 774 - 774 - Loans, net of allowances for loan losses 945,132 - - 925,965 Derivatives Interest rate lock 15 - 15 - Interest rate swap on loans 1,585 - 1,585 - Bank owned life insurance 31,293 - 31,293 - Accrued interest receivable 3,773 - 3,773 - Liabilities Deposits $ 1,182,308 $ - $ 1,182,220 $ - Overnight repurchase agreements 3,981 - 3,981 - Long term borrowings 29,505 - 25,240 - Derivatives Interest rate swap on loans 1,585 - 1,585 - Accrued interest payable 380 - 380 - 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)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2022 and 2021 follows: Three Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 12,347 $ 21 $ 2,968 $ (2,968 ) $ 12,368 Income from fiduciary activities - 953 - - 953 Other income 2,085 342 50 (65 ) 2,412 Total operating income 14,432 1,316 3,018 (3,033 ) 15,733 Expenses Interest expense 502 - 295 - 797 Provision for loan losses 402 - - - 402 Salaries and employee benefits 5,733 902 186 - 6,821 Other expenses 4,413 288 108 (65 ) 4,744 Total operating expenses 11,050 1,190 589 (65 ) 12,764 Income before taxes 3,382 126 2,429 (2,968 ) 2,969 Income tax expense (benefit) 514 27 (114 ) - 427 Net income $ 2,868 $ 99 $ 2,543 $ (2,968 ) $ 2,542 Capital expenditures $ 355 $ 13 $ - $ - $ 368 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 Three Months Ended September 30, 2021 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 10,809 $ 6 $ 2,281 $ (2,281 ) $ 10,815 Income from fiduciary activities - 1,032 - - 1,032 Other income 2,341 249 50 (66 ) 2,574 Total operating income 13,150 1,287 2,331 (2,347 ) 14,421 Expenses Interest expense 688 - 251 - 939 Provision for loan losses 360 - - - 360 Salaries and employee benefits 5,644 746 168 - 6,558 Other expenses 4,077 257 102 (66 ) 4,370 Total operating expenses 10,769 1,003 521 (66 ) 12,227 Income before taxes 2,381 284 1,810 (2,281 ) 2,194 Income tax expense (benefit) 325 59 (98 ) - 286 Net income $ 2,056 $ 225 $ 1,908 $ (2,281 ) $ 1,908 Capital expenditures $ 370 $ - $ - $ - $ 370 Total assets $ 1,304,291 $ 7,222 $ 150,442 $ (150,329 ) $ 1,311,626 Nine Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 33,871 $ 52 $ 7,826 $ (7,826 ) $ 33,923 Income from fiduciary activities - 3,086 - - 3,086 Other income 6,394 946 150 (196 ) 7,294 Total operating income 40,265 4,084 7,976 (8,022 ) 44,303 Expenses Interest expense 1,509 - 885 - 2,394 Provision for loan losses 1,073 - - - 1,073 Salaries and employee benefits 16,704 2,643 507 - 19,854 Other expenses 12,363 867 480 (196 ) 13,514 Total operating expenses 31,649 3,510 1,872 (196 ) 36,835 Income before taxes 8,616 574 6,104 (7,826 ) 7,468 Income tax expense (benefit) 1,243 122 (362 ) - 1,003 Net income $ 7,373 $ 452 $ 6,466 $ (7,826 ) $ 6,465 Capital expenditures $ 956 $ 13 $ - $ - $ 969 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 Nine Months Ended September 30, 2021 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 31,635 $ 17 $ 7,458 $ (7,458 ) $ 31,652 Income from fiduciary activities - 3,110 - - 3,110 Other income 7,426 788 150 (196 ) 8,168 Total operating income 39,061 3,915 7,608 (7,654 ) 42,930 Expenses Interest expense 2,258 - 256 - 2,514 Provision for loan losses 510 - - - 510 Salaries and employee benefits 16,263 2,253 496 - 19,012 Other expenses 12,139 788 278 (196 ) 13,009 Total operating expenses 31,170 3,041 1,030 (196 ) 35,045 Income before taxes 7,891 874 6,578 (7,458 ) 7,885 Income tax expense (benefit) 1,123 184 (184 ) - 1,123 Net income $ 6,768 $ 690 $ 6,762 $ (7,458 ) $ 6,762 Capital expenditures $ 1,089 $ 41 $ - $ - $ 1,130 Total assets $ 1,304,291 $ 7,222 $ 150,442 $ (150,329 ) $ 1,311,626

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies (Details)	Sep. 30, 2022 Branch Subsidiary
THE COMPANY [Abstract]
Number of wholly-owned subsidiaries | Subsidiary	2
Number of branch offices | Branch	14

Securities, Amortized Costs and

Securities, Amortized Costs and Fair Values with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 257,726	$ 232,200
Gross unrealized gains	26	3,632
Gross unrealized (losses)	(30,212)	(1,511)
Fair value	227,540	234,321
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	23,092	15,052
Gross unrealized gains	0	0
Gross unrealized (losses)	(2,447)	(148)
Fair value	20,645	14,904
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	34,885	38,651
Gross unrealized gains	0	75
Gross unrealized (losses)	(1,077)	(168)
Fair value	33,808	38,558
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	78,226	64,132
Gross unrealized gains	0	1,948
Gross unrealized (losses)	(13,752)	(277)
Fair value	64,474	65,803
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	91,567	88,511
Gross unrealized gains	26	1,348
Gross unrealized (losses)	(10,670)	(801)
Fair value	80,923	89,058
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	1,965	2,413
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	1,965	2,413
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	27,991	23,441
Gross unrealized gains	0	261
Gross unrealized (losses)	(2,266)	(117)
Fair value	$ 25,725	$ 23,585

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 200
Due after one year through five years	19,953
Due after five through ten years	85,547
Due after ten years	150,062
Other securities, restricted	1,964
Amortized Cost	257,726		$ 232,200
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	193
Due after one year through five years	18,938
Due after five through ten years	75,346
Due after ten years	131,098
Other securities, restricted	1,965
Fair Value	227,540		234,321
Securities Available-for-sale [Abstract]
Net realized gains (losses)	0	$ 0
U.S. Treasury Securities [Member]
Available-for-Sale, Amortized Cost [Abstract]
Amortized Cost	23,092		15,052
Available-for-Sale, Fair Value [Abstract]
Fair Value	20,645		14,904
Obligations of U.S. Government Agencies [Member]
Available-for-Sale, Amortized Cost [Abstract]
Amortized Cost	34,885		38,651
Available-for-Sale, Fair Value [Abstract]
Fair Value	33,808		38,558
Obligations of State and Political Subdivisions [Member]
Available-for-Sale, Amortized Cost [Abstract]
Amortized Cost	78,226		64,132
Available-for-Sale, Fair Value [Abstract]
Fair Value	64,474		65,803
Mortgage-backed Securities [Member]
Available-for-Sale, Amortized Cost [Abstract]
Amortized Cost	91,567		88,511
Available-for-Sale, Fair Value [Abstract]
Fair Value	80,923		89,058
Money Market Investments [Member]
Available-for-Sale, Amortized Cost [Abstract]
Amortized Cost	1,965		2,413
Available-for-Sale, Fair Value [Abstract]
Fair Value	1,965		2,413
Corporate Bonds and Other Securities [Member]
Available-for-Sale, Amortized Cost [Abstract]
Amortized Cost	27,991		23,441
Available-for-Sale, Fair Value [Abstract]
Fair Value	$ 25,725		$ 23,585

Securities, Individual Securiti

Securities, Individual Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) Security	Dec. 31, 2021 USD ($) Security
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 19,204	$ 1,281
12 months or more	11,008	230
Total	30,212	1,511
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	159,710	100,473
12 months or more	62,014	11,492
Total	$ 221,724	$ 111,965
Securities Available-for-Sale, Number of Securities [Abstract]
Number of investments in and unrealized loss position | Security	171	72
Other-than-temporary impairment loss has been recognized in net income	$ 0
U.S. Treasury Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	1,151	$ 148
12 months or more	1,296	0
Total	2,447	148
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	12,898	14,904
12 months or more	7,747	0
Total	20,645	14,904
Obligations of U.S. Government Agencies [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	596	131
12 months or more	481	37
Total	1,077	168
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	22,316	19,181
12 months or more	11,492	5,042
Total	33,808	24,223
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	10,427	277
12 months or more	3,325	0
Total	13,752	277
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	53,589	20,673
12 months or more	10,040	0
Total	63,629	20,673
Mortgage-backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	5,508	608
12 months or more	5,162	193
Total	10,670	801
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	54,188	35,882
12 months or more	25,730	6,450
Total	79,918	42,332
Corporate Bonds and Other Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	1,522	117
12 months or more	744	0
Total	2,266	117
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	16,719	9,833
12 months or more	7,005	0
Total	$ 23,724	$ 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		Sep. 30, 2022	Dec. 31, 2021
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		$ 955,065	$ 843,526
Less: Allowance for loan losses		9,933	9,865
Loans, net of allowance and deferred fees	[1]	945,132	833,661
Overdrawn deposit accounts, excluding internal use accounts		323	304
Net deferred loan fees		936	1,300
Mortgage Loans on Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		734,223	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		169,247	130,776
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		409,833	382,603
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		207,131	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		202,702	184,190
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		25,192	19,050
Mortgage Loans on Real Estate [Member] | Construction [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		68,005	58,440
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		8,718	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		53,228	48,665
Commercial and Industrial Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		66,724	68,690
Consumer [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees	[2]	151,177	118,441
Consumer [Member] | Consumer Automobile Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		127,961	85,023
Consumer [Member] | Other Consumer Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees		23,216	33,418
Other [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Loans, net of deferred fees	[3]	$ 2,941	$ 8,984
[1]Net deferred loan fees totaled $936 thousand and $1.3 million at September 30, 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 $323 thousand and $304 thousand at September 30, 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		Sep. 30, 2022	Dec. 31, 2021
Receivables [Abstract]
Gross loan receivables		$ 955,065	$ 843,526
Pass [Member]
Receivables [Abstract]
Gross loan receivables		950,383	837,670
OAEM [Member]
Receivables [Abstract]
Gross loan receivables		290	1,440
Substandard [Member]
Receivables [Abstract]
Gross loan receivables		4,392	4,416
Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Loss [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Gross loan receivables		734,223	647,411
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		729,958	642,005
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		290	1,440
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		3,975	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		169,247	130,776
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		169,090	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		157	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		409,833	382,603
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Receivables [Abstract]
Gross loan receivables		207,131	198,413
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		204,730	195,512
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		290	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		202,702	184,190
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		202,153	183,093
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	434
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		549	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		25,192	19,050
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		25,192	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		68,005	58,440
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		66,847	57,224
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	218
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		1,158	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		8,718	7,877
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		8,718	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		53,228	48,665
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		53,228	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 and Industrial Loans [Member]
Receivables [Abstract]
Gross loan receivables		66,724	68,690
Commercial and Industrial Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		66,324	68,261
Commercial and Industrial Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Commercial and Industrial Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables		400	429
Commercial and Industrial Loans [Member] | Doubtful [Member]
Receivables [Abstract]
Gross loan receivables		0	0
Consumer [Member]
Receivables [Abstract]
Gross loan receivables	[1]	151,177	118,441
Consumer [Member] | Consumer Automobile Loans [Member]
Receivables [Abstract]
Gross loan receivables		127,961	85,023
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		127,944	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		17	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		23,216	33,418
Consumer [Member] | Other Consumer Loan [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		23,216	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]	2,941	8,984
Other [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables		2,941	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 $323 thousand and $304 thousand at September 30, 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		12 Months Ended
		Dec. 31, 2021	Sep. 30, 2022
Loans, Aging [Abstract]
Loans		$ 843,526	$ 955,065
Nonaccrual	[1]	478	4,375
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2,361	1,677
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		560	1,388
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,025	330
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	839,102	947,295
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Loans		$ 1,400	0
Guaranteed Student Loans [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97%
Guaranteed Student Loans [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		100%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		$ 647,411	734,223
Nonaccrual	[1]	304	3,975
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		195	169
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	1,048
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]	646,912	729,031
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		130,776	169,247
Nonaccrual	[1]	191	157
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		120	109
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	425
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]	130,465	168,556
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		198,413	207,131
Nonaccrual	[1]	0	2,111
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	536
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]	198,413	204,484
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		184,190	202,702
Nonaccrual	[1]	113	549
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]	184,077	202,153
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		19,050	25,192
Nonaccrual	[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]	19,050	25,192
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans, Aging [Abstract]
Loans		58,440	68,005
Nonaccrual	[1]	0	1,158
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	87
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]	58,440	66,760
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Nonaccrual		0	1,158
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		7,877	8,718
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		24	0
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]	7,853	8,718
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		48,665	53,228
Nonaccrual	[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	60
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]	48,614	53,168
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		68,690	66,724
Nonaccrual	[1]	174	400
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		37	7
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		169	35
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	68,310	66,282
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		85,023	127,961
Nonaccrual	[1]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		814	1,174
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		118	152
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		296	250
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	83,795	126,385
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		33,418	23,216
Nonaccrual	[1]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,284	309
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		439	173
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		550	45
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	31,145	22,689
Other [Member]
Loans, Aging [Abstract]
Loans		8,984	2,941
Nonaccrual	[1]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		31	18
Other [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3	15
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		10	0
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[2]	$ 8,940	$ 2,908
[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, Nonaccrual Loans (Details) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Loans in nonaccrual status by class of loan [Abstract]
Nonaccrual status commercial and industrial loans, past due threshold		90 days
Nonaccrual status, consumer loans secured by real estate, past due threshold		120 days
Nonaccrual status, consumer loans not secured by real estate, past due threshold		120 days
Loans in nonaccrual status	[1]	$ 4,375		$ 478
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		92	$ 8
Actual interest income recorded for the period		11	2
Reduction in interest income on nonaccrual loans		$ 81	$ 6
Minimum [Member]
Loans in nonaccrual status by class of loan [Abstract]
Consumer loans classified as a loss, past due threshold		120 days
Non-accrual Status, Return to Accrual Status Threshold		6 months
Mortgage Loans on Real Estate [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	$ 3,975		304
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	157		191
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	2,111		0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	549		113
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	1,158		0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		1,158		0
Commercial and Industrial Loans [Member]
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	[1]	$ 400		$ 174
[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.

Loans and the Allowance for L_7

Loans and the Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) Contract	Sep. 30, 2021 USD ($) Contract	Dec. 31, 2021 USD ($)
Receivables [Abstract]
Number of modifications | Contract			0	0
Outstanding commitments on TDR's	$ 0	$ 0	$ 0	$ 0
Defaulting TDR's within twelve months of restructuring	0	$ 0	0	$ 0
Residential 1-4 Family [Member]
Receivables [Abstract]
Loans in process for foreclosure	$ 0		$ 0		$ 0

Loans and the Allowance for L_8

Loans and the Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Receivables [Abstract]
Unpaid Principal Balance	$ 6,397	$ 1,367
Recorded Investment, Without Valuation Allowance	5,132	289
Recorded Investment, With Valuation Allowance	1,092	1,012
Associated Allowance	97	128
Average Recorded Investment	6,268	1,324
Interest Income Recognized	13	34
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	5,995	1,170
Recorded Investment, Without Valuation Allowance	4,730	282
Recorded Investment, With Valuation Allowance	1,092	838
Associated Allowance	97	41
Average Recorded Investment	5,867	1,135
Interest Income Recognized	8	17
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	290	353
Recorded Investment, Without Valuation Allowance	45	25
Recorded Investment, With Valuation Allowance	239	300
Associated Allowance	35	30
Average Recorded Investment	288	328
Interest Income Recognized	5	7
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	4,469	610
Recorded Investment, Without Valuation Allowance	3,687	178
Recorded Investment, With Valuation Allowance	617	413
Associated Allowance	7	8
Average Recorded Investment	4,344	601
Interest Income Recognized	0	1
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	1,236	80
Recorded Investment, Without Valuation Allowance	998	79
Recorded Investment, With Valuation Allowance	236	0
Associated Allowance	55	0
Average Recorded Investment	1,235	80
Interest Income Recognized	3	4
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Unpaid Principal Balance	0	127
Recorded Investment, Without Valuation Allowance	0	0
Recorded Investment, With Valuation Allowance	0	125
Associated Allowance	0	3
Average Recorded Investment	0	126
Interest Income Recognized	0	5
Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	399	188
Recorded Investment, Without Valuation Allowance	400	0
Recorded Investment, With Valuation Allowance	0	174
Associated Allowance	0	87
Average Recorded Investment	399	181
Interest Income Recognized	5	17
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	3	9
Recorded Investment, Without Valuation Allowance	2	7
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	2	8
Interest Income Recognized	$ 0	$ 0

Loans and the Allowance for L_9

Loans and the Allowance for Loan Losses, Allowance for Loan Losses (Details) $ in Thousands		3 Months Ended		9 Months Ended		12 Months Ended
		Sep. 30, 2022 USD ($) qtr	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) Period qtr	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($) Period
Changes in Accounting Methodology [Abstract]
Number of migration periods | Period				8		8
Number of quarters remains on each migration period | qtr		12		12
Allowance for loan losses by segment [Roll Forward]
Beginning Balance				$ 9,865	$ 9,541	$ 9,541
Charges-offs				(1,698)		(1,119)
Recoveries				693		649
Provision for loan losses		$ 402	$ 360	1,073	510	794
Ending Balance		9,933		9,933		9,865
Individually evaluated for impairment		97		97		128
Collectively evaluated for impairment		9,836		9,836		9,737
Ending Balance		9,933		9,933		9,865
Loans Balances [Abstract]
Individually evaluated for impairment		6,224		6,224		1,301
Collectively evaluated for impairment		948,841		948,841		842,225
Ending Balance		955,065		955,065		843,526
Commercial and Industrial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance				683	650	650
Charges-offs				(297)		(27)
Recoveries				131		41
Provision for loan losses				107		19
Ending Balance		624		624		683
Individually evaluated for impairment		0		0		87
Collectively evaluated for impairment		624		624		596
Ending Balance		624		624		683
Loans Balances [Abstract]
Individually evaluated for impairment		400		400		174
Collectively evaluated for impairment		66,324		66,324		68,516
Ending Balance		66,724		66,724		68,690
Real Estate [Member]
Loans Balances [Abstract]
Ending Balance		734,223		734,223		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				70		120
Ending Balance		529		529		459
Individually evaluated for impairment		55		55		0
Collectively evaluated for impairment		474		474		459
Ending Balance		529		529		459
Loans Balances [Abstract]
Individually evaluated for impairment		1,234		1,234		79
Collectively evaluated for impairment		66,771		66,771		58,361
Ending Balance		68,005		68,005		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]			(25)		(14)
Recoveries	[1]			52		76
Provision for loan losses	[1]			190		(232)
Ending Balance	[1]	2,607		2,607		2,390
Individually evaluated for impairment	[1]	35		35		33
Collectively evaluated for impairment	[1]	2,572		2,572		2,357
Ending Balance	[1]	2,607		2,607		2,390
Loans Balances [Abstract]
Individually evaluated for impairment	[1]	284		284		450
Collectively evaluated for impairment	[1]	256,101		256,101		205,918
Ending Balance	[1]	256,385		256,385		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				22		44
Provision for loan losses				(464)		309
Ending Balance		4,345		4,345		4,787
Individually evaluated for impairment		7		7		8
Collectively evaluated for impairment		4,338		4,338		4,779
Ending Balance		4,345		4,345		4,787
Loans Balances [Abstract]
Individually evaluated for impairment		4,304		4,304		591
Collectively evaluated for impairment		405,529		405,529		382,012
Ending Balance		409,833		409,833		382,603
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[2]			1,362	1,302	1,302
Charges-offs	[2]			(1,095)		(800)
Recoveries	[2]			389		390
Provision for loan losses	[2]			982		470
Ending Balance	[2]	1,638		1,638		1,362
Individually evaluated for impairment	[2]	0		0		0
Collectively evaluated for impairment	[2]	1,638		1,638		1,362
Ending Balance	[2]	1,638		1,638		1,362
Loans Balances [Abstract]
Individually evaluated for impairment	[2]	2		2		7
Collectively evaluated for impairment	[2]	151,175		151,175		118,434
Ending Balance	[2]	151,177		151,177		118,441
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance				184	123	123
Charges-offs				(281)		(278)
Recoveries				99		98
Provision for loan losses				188		241
Ending Balance		190		190		184
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		190		190		184
Ending Balance		190		190		184
Loans Balances [Abstract]
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		2,941		2,941		8,984
Ending Balance	[3]	2,941		2,941		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		0
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		0		0		0
Ending Balance		0		0		0
Loans Balances [Abstract]
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		0		0		0
Ending Balance		$ 0		$ 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 $323 thousand and $304 thousand at September 30, 2022 and December 31, 2021, respectively.

Leases, Information About Lease

Leases, Information About Leases (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) Lease
Assets and Liabilities, Lessee [Abstract]
Number of new leases | Lease	1
Information about Leases [Abstract]
Lease liabilities	$ 1,124
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities
Right of use assets	$ 1,093
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets
Weighted average remaining lease term	3 years 4 months 6 days
Weighted average discount rate	2.04%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Lease cost [Abstract]
Operating lease cost	$ 87	$ 81	$ 251	$ 266
Total lease cost	87	81	251	266
Cash paid for amounts included in the measurement of lease liabilities	$ 85	$ 82	$ 254	$ 269

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Lease payments due [Abstract]
Three months ending December 31, 2022	$ 91
Twelve months ending December 31, 2023	315
Twelve months ending December 31, 2024	310
Twelve months ending December 31, 2025	265
Thereafter	214
Total undiscounted cash flows	1,195
Discount	(71)
Lease liabilities	$ 1,124

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2022 USD ($) Fund	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) Fund	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($) Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4		4		4
Low-income housing investment		$ 1,700		$ 1,700		$ 1,900
Additional committed capital calls expected		0		0
Tax credits and other benefits [Abstract]
Amortization of operating losses		51	$ 51	153	$ 151
Tax benefit of operating losses	[1]	11	11	32	32
Tax credits		89	89	267	272
Total tax benefits		$ 100	$ 100	$ 299	$ 304
Effective income tax rate				21%
[1]Computed using a 21% tax rate.

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
	Jul. 14, 2021	Sep. 30, 2022	Dec. 31, 2021
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 115,000	$ 115,000
Available credit with FHLB		392,100	391,300
Short-Term Borrowings [Abstract]
Overnight repurchase agreements		3,981	4,536
Total short-term borrowings		3,981	4,536
Maximum month-end outstanding balance		24,134	12,239
Average outstanding balance during the period		$ 7,088	$ 7,293
Average interest rate (year-to-date)		0.84%	0.10%
Average interest rate at end of period		0.05%	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, basis spread on variable rate	2.86%

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 205,861	$ 167,129
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	84,467	71,751
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	71,303	42,683
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	50,091	52,695
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 881	$ 3,617

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 121	$ 84	$ 295	$ 214
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)			38,435
Issued (in shares)			20,809
Vested (in shares)			(13,152)
Forfeited (in shares)			0
Nonvested balance at end of period (in shares)	46,092		46,092		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)			25.65
Vested (in dollars per share)			21.93
Forfeited (in dollars per share)			0
Non-vested balance at end of period (in dollars per share)	$ 22.41		$ 22.41		$ 20.49
Weighted-average remaining vesting period for recognition			1 year 4 months 28 days
Fair value of restricted stock granted			$ 534	403
Unrecognized stock-based compensation expense	$ 591	$ 411	$ 591	$ 411
2016 Stock Incentive Plan [Member]
Incentive Stock Plan [Abstract]
Shares available for grant (in shares)	300,000		300,000
ESPP [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase			5%
Total stock purchases under the plan (in shares)			4,307
Shares reserved for issuance (in shares)	223,236		223,236
ESPP [Member] | Minimum [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase					0%
ESPP [Member] | Maximum [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase					15%

Stockholders' Equity and Earn_3

Stockholders' Equity and Earnings per Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Stockholders Equity Note [Abstract]
Reclassified out of accumulated other comprehensive income (loss)	$ 0	$ 0	$ 0	$ 0
Beginning Balance	101,150	119,928	120,818	117,145
Ending Balance	93,512	120,767	93,512	120,767
Other comprehensive income, pretax [Abstract]
Unrealized holding losses arising during the period, pretax	(10,124)	(629)	(32,307)	(1,892)
Total change in accumulated other comprehensive income, net, pretax	(10,124)	(629)	(32,307)	(1,892)
Other Comprehensive Income, Tax Effect [Abstract]
Unrealized holding losses arising during the period, tax effect	(2,127)	(132)	(6,785)	(397)
Total change in accumulated other comprehensive income, net, tax effect	(2,127)	(132)	(6,785)	(397)
Other Comprehensive Income, Net of Tax [Abstract]
Net unrealized loss on available-for-sale securities	(7,997)	(497)	(25,522)	(1,495)
Other comprehensive loss, net of tax	(7,997)	(497)	(25,522)	(1,495)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(15,850)	3,071	1,675	4,069
Net other comprehensive loss	(7,997)	(497)	(25,522)	(1,495)
Ending Balance	(23,847)	2,574	(23,847)	2,574
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(15,850)	3,071	1,675	4,069
Net other comprehensive loss	(7,997)	(497)	(25,522)	(1,495)
Ending Balance	(23,847)	2,574	(23,847)	2,574
Other Comprehensive Income, Net of Tax [Abstract]
Other comprehensive loss, net of tax	$ (7,997)	$ (497)	$ (25,522)	$ (1,495)

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Share, Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Oct. 31, 2021
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 2,542	$ 1,908	$ 6,465	$ 6,762
Net Income Available to Common Stockholders, Diluted	$ 2,542	$ 1,908	$ 6,465	$ 6,762
Weighted Average Common Shares, Basic (in shares)	5,015,712	5,245,042	5,095,716	5,235,749
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0	0	0
Weighted Average Common Shares, Diluted (in shares)	5,015,712	5,245,172	5,095,768	5,235,793
Earnings Per Share, Basic (in dollars per share)	$ 0.51	$ 0.36	$ 1.27	$ 1.29
Earnings Per Share, Diluted (in dollars per share)	$ 0.51	$ 0.36	$ 1.27	$ 1.29
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0	0	0
Common stock purchased (in shares)	69,000		268,095
Common stock purchased	$ 1,685		$ 6,655
Maximum [Member]
Earnings Per Share [Abstract]
Percentage of repurchase of common stock					10%

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) $ in Thousands	Sep. 30, 2022 USD ($) Source	Dec. 31, 2021 USD ($)
Fair Value Measurements [Abstract]
Number of sources used for estimating fair value of assets and liabilities | Source	2
Assets [Abstract]
Debt securities, available-for-sale	$ 227,540	$ 234,321
Derivative [Abstract]
Loans held for sale	774	3,287
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	20,645	14,904
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	33,808	38,558
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	64,474	65,803
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	80,923	89,058
Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,965	2,413
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	15	43
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,585	181
Derivative [Abstract]
Derivative Liabilities	1,585	181
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	227,540	234,321
Derivatives [Abstract]
Total assets	229,140	234,545
Derivative [Abstract]
Total liabilities	1,585	181
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	20,645	14,904
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	33,808	38,558
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	64,474	65,803
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	80,923	89,058
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,965	2,413
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	25,725	23,585
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	15	43
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,585	181
Derivative [Abstract]
Derivative Liabilities	1,585	181
Nonrecurring [Member]
Derivative [Abstract]
Impaired loans	110	87
Loans held for sale	774	3,287
Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans	110
Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Impaired loans		87
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
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]
Impaired loans	0	0
Loans held for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Impaired loans		0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Debt securities, available-for-sale	227,540	234,321
Derivative [Abstract]
Loans held for sale	774	3,287
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	15	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,585	181
Derivative [Abstract]
Derivative Liabilities	1,585	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	227,540	234,321
Derivatives [Abstract]
Total assets	229,140	234,545
Derivative [Abstract]
Total liabilities	1,585	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	20,645	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	33,808	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	64,474	65,803
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	80,923	89,058
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,965	2,413
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	25,725	23,585
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	15	43
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,585	181
Derivative [Abstract]
Derivative Liabilities	1,585	181
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans	0	0
Loans held for sale	774	3,287
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Impaired loans		0
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
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]
Impaired loans	110	87
Loans held for sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans	$ 110
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Commercial Loans [Member]
Derivative [Abstract]
Impaired loans		$ 87

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Market Comparables [Member] $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Construction [Member] | Selling Costs [Member] | Minimum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.03
Construction [Member] | Selling Costs [Member] | Maximum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.08
Construction [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.0725
Commercial Loan [Member] | Selling Costs [Member] | Minimum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input		0
Commercial Loan [Member] | Selling Costs [Member] | Maximum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input		0.08
Commercial Loan [Member] | Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input		0.07
Fair Value, Nonrecurring [Member] | Construction [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Fair Value	$ 110
Fair Value, Nonrecurring [Member] | Commercial Loan [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	Sep. 30, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and cash equivalents	$ 54,543	$ 187,922
Securities available-for-sale, at fair value	227,540	234,321
Restricted securities	1,389	1,034
Loans held for sale	774	3,287
Loans, net of allowances for loan losses	945,132	833,661
Bank owned life insurance	31,293	28,168
Accrued interest receivable	3,773	3,339
Liabilities [Abstract]
Deposits	1,182,308	1,177,099
Overnight repurchase agreements	3,981	4,536
Federal Reserve Bank borrowings		480
Long term borrowings	29,505	29,407
Accrued interest payable	380	693
Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	15	43
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,585	181
Liabilities [Abstract]
Derivative	1,585	181
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	54,543	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
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
Accrued interest payable	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	0	0
Liabilities [Abstract]
Derivative	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	227,540	234,321
Restricted securities	1,389	1,034
Loans held for sale	774	3,287
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	31,293	28,168
Accrued interest receivable	3,773	3,339
Liabilities [Abstract]
Deposits	1,182,220	1,179,631
Overnight repurchase agreements	3,981	4,536
Federal Reserve Bank borrowings		480
Long term borrowings	25,240	29,657
Accrued interest payable	380	693
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	15	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,585	181
Liabilities [Abstract]
Derivative	1,585	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	925,965	834,693
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
Accrued interest payable	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	0	0
Liabilities [Abstract]
Derivative	$ 0	$ 0

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) Segment	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment			3
Revenues [Abstract]
Interest and dividend income	$ 12,368	$ 10,815	$ 33,923	$ 31,652
Total operating income	15,733	14,421	44,303	42,930
Expenses [Abstract]
Interest expense	797	939	2,394	2,514
Provision for loan losses	402	360	1,073	510	$ 794
Salaries and employee benefits	6,821	6,558	19,854	19,012
Other expenses	4,744	4,370	13,514	13,009
Total operating expenses	12,764	12,227	36,835	35,045
Income before income taxes	2,969	2,194	7,468	7,885
Income tax expense (benefit)	427	286	1,003	1,123
Net income	2,542	1,908	6,465	6,762
Capital expenditures	368	370	969	1,130
Total assets	1,317,006	1,311,626	1,317,006	1,311,626	$ 1,338,155
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	953	1,032	3,086	3,110
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,412	2,574	7,294	8,168
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	12,347	10,809	33,871	31,635
Total operating income	14,432	13,150	40,265	39,061
Expenses [Abstract]
Interest expense	502	688	1,509	2,258
Provision for loan losses	402	360	1,073	510
Salaries and employee benefits	5,733	5,644	16,704	16,263
Other expenses	4,413	4,077	12,363	12,139
Total operating expenses	11,050	10,769	31,649	31,170
Income before income taxes	3,382	2,381	8,616	7,891
Income tax expense (benefit)	514	325	1,243	1,123
Net income	2,868	2,056	7,373	6,768
Capital expenditures	355	370	956	1,089
Total assets	1,308,759	1,304,291	1,308,759	1,304,291
Operating Segments [Member] | Bank [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Bank [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,085	2,341	6,394	7,426
Operating Segments [Member] | Wealth Management [Member]
Revenues [Abstract]
Interest and dividend income	21	6	52	17
Total operating income	1,316	1,287	4,084	3,915
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for loan losses	0	0	0	0
Salaries and employee benefits	902	746	2,643	2,253
Other expenses	288	257	867	788
Total operating expenses	1,190	1,003	3,510	3,041
Income before income taxes	126	284	574	874
Income tax expense (benefit)	27	59	122	184
Net income	99	225	452	690
Capital expenditures	13	0	13	41
Total assets	7,163	7,222	7,163	7,222
Operating Segments [Member] | Wealth Management [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	953	1,032	3,086	3,110
Operating Segments [Member] | Wealth Management [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	342	249	946	788
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	2,968	2,281	7,826	7,458
Total operating income	3,018	2,331	7,976	7,608
Expenses [Abstract]
Interest expense	295	251	885	256
Provision for loan losses	0	0	0	0
Salaries and employee benefits	186	168	507	496
Other expenses	108	102	480	278
Total operating expenses	589	521	1,872	1,030
Income before income taxes	2,429	1,810	6,104	6,578
Income tax expense (benefit)	(114)	(98)	(362)	(184)
Net income	2,543	1,908	6,466	6,762
Capital expenditures	0	0	0	0
Total assets	123,327	150,442	123,327	150,442
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	50	50	150	150
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(2,968)	(2,281)	(7,826)	(7,458)
Total operating income	(3,033)	(2,347)	(8,022)	(7,654)
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for loan losses	0	0	0	0
Salaries and employee benefits	0	0	0	0
Other expenses	(65)	(66)	(196)	(196)
Total operating expenses	(65)	(66)	(196)	(196)
Income before income taxes	(2,968)	(2,281)	(7,826)	(7,458)
Income tax expense (benefit)	0	0	0	0
Net income	(2,968)	(2,281)	(7,826)	(7,458)
Capital expenditures	0	0	0	0
Total assets	(122,243)	(150,329)	(122,243)	(150,329)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (65)	$ (66)	$ (196)	$ (196)