Old Point Financial (OPOF) 10-K 31 Mar 23 2022 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2022	Mar. 15, 2023	Jun. 30, 2022
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value
Trading Symbol	OPOF
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	false
Entity Shell Company	false
Entity Public Float			$ 84,754,161
Entity Common Stock, Shares Outstanding		5,000,331
Auditor Firm ID	613
Auditor Name	Yount, Hyde & Barbour, P.C.
Auditor Location	Richmond, Virginia

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 15,670	$ 13,424
Interest-bearing due from banks		3,580	164,073
Federal funds sold		0	10,425
Cash and cash equivalents		19,250	187,922
Securities available-for-sale, at fair value		225,518	234,321
Restricted securities, at cost		3,434	1,034
Loans held for sale		421	3,287
Loans, net	[1]	1,016,559	833,661
Premises and equipment, net		31,008	32,134
Premises and equipment, held for sale		987	871
Bank-owned life insurance		34,049	28,168
Goodwill		1,650	1,650
Core deposit intangible, net		231	275
Other assets		22,228	14,832
Total assets		1,355,335	1,338,155
Deposits:
Noninterest-bearing deposits		418,582	421,531
Savings deposits		584,527	586,450
Time deposits		152,910	169,118
Total deposits		1,156,019	1,177,099
Overnight repurchase agreements		4,987	4,536
Federal funds purchased and other short-term borrowings		11,378	0
Federal Home Loan Bank advances		46,100	0
Federal Reserve Bank borrowings		0	480
Long term borrowings		29,538	29,407
Accrued expenses and other liabilities		8,579	5,815
Total liabilities		1,256,601	1,217,337
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 4,999,083 and 5,239,707 shares outstanding (includes 46,989 and 38,435 of nonvested restricted stock, respectively)		24,761	26,006
Additional paid-in capital		16,593	21,458
Retained earnings		78,147	71,679
Accumulated other comprehensive (loss) income, net		(20,767)	1,675
Total stockholders' equity		98,734	120,818
Total liabilities and stockholders' equity		$ 1,355,335	$ 1,338,155
[1]Net deferred loan costs totaled $1.0 million and $1.3 million at December 31, 2022 and December 31, 2021, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2022	Dec. 31, 2021
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares outstanding (in shares)	4,999,083	5,239,707
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	46,989	38,435

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Interest and Dividend Income:
Loans, including fees	$ 41,407	$ 37,912
Due from banks	598	230
Federal funds sold	21	3
Securities:
Taxable	4,936	3,284
Tax-exempt	994	753
Dividends and interest on all other securities	87	70
Total interest and dividend income	48,043	42,252
Interest Expense:
Checking and savings deposits	746	938
Time deposits	1,403	1,941
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	69	35
Long term borrowings	1,180	544
Federal Home Loan Bank advances	207	0
Total interest expense	3,605	3,458
Net interest income	44,438	38,794
Provision for loan losses	1,706	794
Net interest income after provision for loan losses	42,732	38,000
Noninterest Income:
Bank-owned life insurance income	909	1,014
Mortgage banking income	497	2,280
Loss on sale of available-for-sale securities, net	(1,870)	0
Gain on sale of fixed assets	1,690	0
Total noninterest income	13,505	14,885
Noninterest Expense:
Salaries and employee benefits	27,055	25,361
Occupancy and equipment	4,720	4,694
Data processing	4,630	4,557
Customer development	473	370
Professional services	2,673	2,521
Employee professional development	991	719
Other taxes	849	794
ATM and other losses	535	504
Other operating expenses	3,729	3,629
Total noninterest expense	45,655	43,149
Income before income taxes	10,582	9,736
Income tax expense	1,474	1,296
Net income	$ 9,108	$ 8,440
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,071,130	5,238,318
Net income per share of common stock (in dollars per share)	$ 1.8	$ 1.61
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,071,169	5,238,352
Net income per share of common stock (in dollars per share)	$ 1.8	$ 1.61
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 4,097	$ 4,198
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	3,069	2,697
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	4,383	4,338
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 730	$ 358

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive (Loss) Income [Abstract]
Net income	$ 9,108	$ 8,440
Other comprehensive loss, net of tax
Net unrealized loss on available-for-sale securities	(23,919)	(2,394)
Reclassification for loss included in net income	1,477	0
Other comprehensive loss, net of tax	(22,442)	(2,394)
Comprehensive (loss) income	$ (13,334)	$ 6,046

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	8,440	0	8,440
Other comprehensive loss, net of tax	0	0	0	(2,394)	(2,394)
Employee Stock Purchase Plan share issuance	$ 24	79	0	0	103
Employee Stock Purchase Plan share issuance (in shares)	4,908
Common stock purchased	$ (33)	(117)	0	0	(150)
Common stock purchased (in shares)	(6,600)
Restricted stock vested	$ 43	(43)	0	0	0
Restricted stock vested (in shares)	8,521
Stock-based compensation expense	$ 0	294	0	0	294
Cash dividends	0	0	(2,620)	0	(2,620)
Ending Balance at Dec. 31, 2021	$ 26,006	21,458	71,679	1,675	$ 120,818
Ending Balance (in shares) at Dec. 31, 2021	5,201,272				5,239,707
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	9,108	0	$ 9,108
Other comprehensive loss, net of tax	0	0	0	(22,442)	(22,442)
Employee Stock Purchase Plan share issuance	$ 29	100	0	0	129
Employee Stock Purchase Plan share issuance (in shares)	5,765
Common stock purchased	$ (1,340)	(5,315)	0	0	(6,655)
Common stock purchased (in shares)	(268,095)
Restricted stock vested	$ 66	(66)	0	0	0
Restricted stock vested (in shares)	13,152
Stock-based compensation expense	$ 0	416	0	0	416
Cash dividends	0	0	(2,640)	0	(2,640)
Ending Balance at Dec. 31, 2022	$ 24,761	$ 16,593	$ 78,147	$ (20,767)	$ 98,734
Ending Balance (in shares) at Dec. 31, 2022	4,952,094				4,999,083

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.52	$ 0.5

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 9,108	$ 8,440
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,073	2,091
Amortization of right of use lease asset	350	347
Accretion related to acquisition, net	21	(2)
Amortization of subordinated debt issuance costs	131	60
Provision for loan losses	1,706	794
Gain on sale of securities, net	1,870	0
Net amortization of securities	1,193	989
Decrease in loans held for sale, net	2,866	11,126
Net (gain) loss on disposal of premises and equipment	(1,690)	0
Income from bank owned life insurance	(909)	(1,014)
Stock compensation expense	416	294
Deferred tax expense	(51)	275
Increase in other assets	(1,371)	(748)
Increase in accrued expenses and other liabilities	1,852	524
Net cash provided by operating activities	17,565	23,176
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(71,218)	(90,070)
(Purchase of) proceeds from redemption of restricted securities, net	(2,400)	333
Proceeds from maturities and calls of available-for-sale securities	5,750	11,780
Proceeds from sales of available-for-sale securities	26,000	6,880
Paydowns on available-for-sale securities	16,799	19,479
Net increase in loans held for investment	(123,110)	(7,650)
Purchases of loans held for investment	(68,216)	0
Proceeds from sale of loans held for investment	7,328	0
Proceeds from sales of other real estate owned	986	0
Purchases of bank-owned life insurance	(5,000)	0
Purchases of premises and equipment	(1,354)	(1,514)
Proceeds from sale of premises and equipment	995	31
Net cash used in investing activities	(213,440)	(60,731)
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease) increase in noninterest-bearing deposits	(2,949)	60,929
(Decrease) increase in savings deposits	(1,923)	73,514
Decrease in time deposits	(16,208)	(24,580)
Increase (decrease) in federal funds purchased, repurchase agreements and other borrowings, net	11,829	(3,433)
Increase in Federal Home Loan Bank advances	118,100	0
Repayment of Federal Home Loan Bank advances	(72,000)	0
Repayment of Federal Reserve Bank borrowings	(480)	(28,070)
Increase in long term borrowings	0	29,347
Proceeds from ESPP issuance	129	103
Repurchase of common stock	(6,655)	(150)
Cash dividends paid on common stock	(2,640)	(2,620)
Net cash provided by financing activities	27,203	105,040
Net (decrease) increase in cash and cash equivalents	(168,672)	67,485
Cash and cash equivalents at beginning of period	187,922	120,437
Cash and cash equivalents at end of period	19,250	187,922
Cash payments for:
Interest	3,333	3,149
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized (loss) gain on securities available-for-sale	(28,409)	(3,030)
Loans transferred to repossessed assets	279	0
Former bank property transferred from fixed assets to held for sale assets	345	902
Right of use lease asset and liability	911	0
Receivable for BOLI death benefit	$ 0	$ 1,232

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Significant Accounting Policies [Abstract]
Significant Accounting Policies	NOTE 1. Significant Accounting Policies THE COMPANY Headquartered in Hampton, Virginia, Old Point Financial Corporation (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). The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2022, the Bank had 14 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers, including mortgage loan products offered through Old Point Mortgage. A full array of insurance products is also offered through Old Point Insurance, LLC in partnership with Morgan Marrow Company. Wealth 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 and its wholly-owned subsidiaries, the Bank and Wealth. All significant intercompany balances and transactions have been eliminated in consolidation. BASIS OF PRESENTATION In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated balance sheets and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and evaluation of goodwill for impairment. In the opinion of management, all adjustments, consisting only of normal recurring adjustments, which are necessary for a fair presentation of the results of operations in these financial statements, have been made. SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company’s activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 2. The types of lending that the Company engages in are included in Note 3. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2022 and 2021, there were $534.5 million and $460.1 million, or 52.0% and 54.5%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. Refer to Note 3 for further detail. CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days. The Bank is typically required to maintain cash reserve balances on hand or with the Federal Reserve Bank (FRB). At December 31, 2022, there was no minimum reserve requirement as a result of a rule adopted by the FRB in March 2020 eliminating the reserve requirement. INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost. SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as held-to-maturity and recorded at amortized cost. Securities not classified as held-to-maturity, excluding equity securities with readily determinable fair values which are recorded at fair value through the income statement, are classified as available-for-sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income (loss). Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company has no trading securities. Impairment of debt securities occurs when the fair value of a security is less than its amortized cost. For debt securities, impairment is considered other-than-temporary and recognized in its entirety in net income if either (i) the Company intends to sell the security or (ii) it is more-likely-than-not the Company will be required to sell the security before recovery of its amortized cost basis. If, however, the Company does not intend to sell the security and it is not more-likely-than-not that the Company will be required to sell the security before recovery, the Company must determine what portion of the impairment is attributable to a credit loss, which occurs when the amortized cost basis of the security exceeds the present value of the cash flows expected to be collected from the security. If there is no credit loss, there is no other-than-temporary impairment. If there is a credit loss, other-than-temporary impairment exists, and the credit loss must be recognized in net income and the remaining portion of impairment must be recognized in other comprehensive income (loss). The Company regularly reviews unrealized losses in its investments in securities based on criteria including the extent to which market value is below amortized cost, the duration of that market decline, the financial health of and specific prospects for the issuer, the Company’s best estimate of the present value of cash flows expected to be collected from debt securities, the Company’s intention with regard to holding the security to maturity and the likelihood that the Company would be required to sell the security before recovery. RESTRICTED SECURITIES, AT COST The Company, as a member of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of both the FRB and the FHLB. The Company also has an investment in the capital stock of Community Bankers’ Bank (CBB). Based on the redemption provisions of these investments, the stocks have no quoted market value, are carried at cost and are listed as restricted securities. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FRB, FHLB, and CBB stock. LOANS HELD FOR SALE The Company records loans held for sale using the lower of cost or fair value. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Any changes in the application of lower of cost or market accounting of loans held for sale is recorded as a component of “Mortgage banking income” within the Company’s Consolidated Statements of Income. LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company’s loans are secured by real estate, including real estate construction loans, real estate commercial loans, and real estate mortgage loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company’s debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. PAYCHECK PROTECTION PROGRAM Beginning in April 2020, the Company originated loans under the Paycheck Protection Program (PPP) of the Small Business Administration (SBA). PPP loans are fully guaranteed by the SBA, and in some cases borrowers may be eligible to obtain forgiveness of the loans, in which case loans would be repaid by the SBA. As repayment of the PPP loans is guaranteed by the SBA, the Company does not recognize a reserve for PPP loans in its allowance for loan losses. The Company received fees from the SBA of one percent to five percent of the principal amount of each loan originated under the PPP. Fees received from the SBA are recognized net of direct origination costs in interest income over the life of the related loans. Recognition of fees related to PPP loans is dependent upon the timing of ultimate repayment or forgiveness. Aggregate fees from the SBA of $4.7 million, net of direct costs, will be recognized in interest income over the life of the loans, of which $10 thousand remains unrecognized as of December 31, 2022. In 2022, 2021 and 2020, the Company recognized $699 thousand, $3.2 million, and $813 thousand in net loan fees related to PPP loans in interest income on loans in the Consolidated Statement of Income, respectively. NONACCRUALS, PAST DUES AND CHARGE-OFFS The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan agreement, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual status or charged off. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: • Management determines the asset to be uncollectible; • Repayment is deemed to be protracted beyond reasonable time frames; • The asset has been classified as a loss by either the internal loan review process or external examiners; • The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or • The loan is 120 days or more past due unless the loan is both well secured and in the process of collection. ALLOWANCE FOR LOAN LOSSES The ALLL is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a troubled debt restructuring (TDR) (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. Each portfolio segment has risk characteristics as follows: • Commercial and industrial: • Real estate-construction: • Real estate-mortgage • Real estate-commercial: • Consumer loans: • Other loans: Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2022 and 2021 management used eight twelve-quarter migration periods. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions (including uncertainties associated with the COVID-19 pandemic), trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in gain on other real estate owned on the Consolidated Statements of Income. BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other operating income on the Consolidated Statements of Income. PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years. OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded. STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, “Compensation -- Stock Compensation”) requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. REVENUE RECOGNITION: INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, “Income Taxes”). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of both positive and negative evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2022 or 2021. EARNINGS PER COMMON SHARE Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method. Nonvested restricted stock shares are included in the calculation of basic earnings per common share due to their rights to voting and dividends. WEALTH ASSETS AND INCOME Securities and other property held by Wealth in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements. DERIVATIVE FINANCIAL INSTRUMENTS The Company recognizes derivative financial instruments at fair value as either an other asset or other liability in the Consolidated Balance Sheets. The Company’s derivative financial instruments include interest rate swaps with certain qualifying commercial loan customers and dealer counterparties and interest rate contracts arising from mortgage banking activities, including interest rate lock commitments (IRLCs) on mortgage loans and related forward sales of mortgage loans. The change in fair value of these instruments is reported as noninterest income. ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2022 and 2021 was $202 thousand and $217 thousand, respectively. COMPREHENSIVE (LOSS) INCOME Comprehensive (loss) income consists of net income and other comprehensive (loss) income, net of tax. Other comprehensive (loss) income, net of tax includes unrealized gains and losses on securities available-for-sale which is also recognized a separate component of equity. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. RECENT SIGNIFICANT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-13, “ Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,” Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments Financial Instruments – Credit Losses (Topic 326): Targeted Transition Relief Financial instruments—Credit losses (Topic 326), Derivatives and hedging (Topic 815), and Leases (Topic 842)—Effective dates, Codification Improvements to Topic 326, Financial Instruments— Credit Losses, Financial Instruments-Credit Losses (Topic 326) and Leases (Topic 842), Codification Improvements to Financial Instruments “Financial Instruments – Credit Losses (Topic 326) - Troubled Debt Restructurings and Vintage Disclosures” The amendments of ASC 326, upon adoption, are to 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 established a working group to prepare for and implement changes related to ASC 326. This working group gathered historical loan loss data for purposes of evaluating appropriate portfolio segmentation and modeling methods under the standard related to the allowance for credit losses on loans, 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 and engaged a vendor to assist in modeling expected lifetime losses under ASC 326. The Company expects to primarily utilize discounted cash flow methods for estimating the allowance for credit losses on loans and has implemented policies for developing that estimate. The Company is also implementing changes to its policies and procedures related to measuring impairment of available for sale securities and does not expect a significant effect on the carrying value of the Company’s available for sale securities as a result of the adoption of ASC 326. The adoption of ASC 326 and related changes in the Company’s accounting policies will result in significant changes to the Company’s consolidated financial statements, including differences in the timing of recognizing changes to the allowance for credit losses, and will include expanded disclosures about the allowance for credit losses, charge-offs and recoveries of loans, and certain loan modifications. The adoption of the standard also results in changes in the Company’s internal controls over financial reporting related to the allowance for credit losses. Upon adoption, transition adjustments will be made to record an increase in the reported balance of loans and the allowance for credit losses on loans, recognize a liability for credit losses on commitments to extend credit, and reduce total equity of both the Company and the Bank, which will result in a reduction of regulatory capital of the Bank. The final cumulative effect of the transition adjustments is still subject to completion by the Company but is estimated to reduce opening retained earnings on January 1, 2023 by a reasonable range of $1 million to $2 million. In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848) – Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” Subsequently, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. This guidance provides temporary, optional expedients and exceptions to ease the potential burden in accounting for modifications of loan contracts, borrowings, and other transactions related to reference rate reform associated with the LIBOR transition if certain criteria are met. The amendments are effective as of March 12, 2020 through December 31, 2024 and can be adopted at an instrument level. These modifications have not had and are not expected to have a material impact on the 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 Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2022
Securities Portfolio [Abstract]
Securities Portfolio	NOTE 2. Securities Portfolio The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 8,013 $ - $ (342 ) $ 7,671 Obligations of U.S. Government agencies 43,622 10 (1,233 ) 42,399 Obligations of state and political subdivisions 70,491 - (11,107 ) 59,384 Mortgage-backed securities 99,874 - (10,961 ) 88,913 Money market investments 1,816 - - 1,816 Corporate bonds and other securities 27,990 - (2,655 ) 25,335 $ 251,806 $ 10 $ (26,298 ) $ 225,518 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 Securities with a fair value of $82.6 million and $59.3 million at December 31, 2022 and 2021, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase, FHLB advances and for other purposes required or permitted by law. At December 31, 2022, the Company held no securities of any single issuer (excluding U.S. Government agencies) with a book value that exceeded 10 percent of stockholders’ equity. The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2022 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 890 $ 872 Due after one year through five years 19,927 18,976 Due after five through ten years 64,098 56,164 Due after ten years 165,075 147,690 Other securities, restricted 1,816 1,816 $ 251,806 $ 225,518 The following table provides information about securities sold in the years ended December 31: Years Ended December 31, (Dollars in thousands) 2022 2021 Securities Available-for-sale Realized losses on sales of securities $ (1,870 ) $ - Net realized loss $ (1,870 ) $ - OTHER-THAN-TEMPORARILY IMPAIRED SECURITIES Management assesses whether the Company intends to sell or it is more-likely-than-not that the Company will be required to sell a security before recovery of its amortized cost basis less any current-period credit losses. For debt securities that are considered other-than-temporarily impaired and that the Company does not intend to sell and will not be required to sell prior to recovery of the amortized cost basis, the Company separates the amount of the impairment into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security’s amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security’s fair value and the present value of expected future cash flows is due to factors that are not credit related and is recognized in accumulated other comprehensive (loss) income on the consolidated balance sheets. The present value of expected future cash flows is determined using the best-estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best-estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds, and structural support, including subordination and guarantees. The Company has a process in place to identify debt securities that could potentially have a credit or interest-rate related impairment that is other than temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts, and cash flow projections as indicators of credit issues. On a quarterly basis, management reviews all securities to determine whether an other-than-temporary decline in value exists and whether losses should be recognized. Management considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (a) the extent and length of time the fair value has been below cost; (b) the reasons for the decline in value; (c) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (d) for fixed maturity securities, the Company’s intent to sell a security or whether it is more-likely-than-not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity and for equity securities, the Company’s ability and intent to hold the security for a period of time that allows for the recovery in value. Securities in an unrealized loss position at December 31,2022, by duration of the period of unrealized loss, are shown below. December 31, 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 $ 342 $ 7,671 $ - $ - $ 342 $ 7,671 Obligations of U.S. Government agencies 258 13,873 975 22,851 1,233 36,724 Obligations of state and political subdivisions 5,386 33,720 5,721 23,856 11,107 57,576 Mortgage-backed securities 4,157 52,717 6,804 36,196 10,961 88,913 Corporate bonds and other securities 1,084 12,906 1,571 11,429 2,655 24,335 Total securities available-for-sale $ 11,227 $ 120,887 $ 15,071 $ 94,332 $ 26,298 $ 215,219 There were 162 debt securities totaling $215.2 million of aggregate fair value considered temporarily impaired at December 31, 2022. The primary cause of the temporary impairments in the Company’s investments in debt securities was increases in market interest rates. The Company concluded that no other-than-temporary impairment existed in its securities portfolio at December 31, 2022, and no other- than-temporary impairment loss has been recognized in net income, based primarily on the fact that changes in fair value were caused primarily by increases in interest rates, securities with unrealized losses had generally high credit quality, the Company intends to hold these investments in debt securities to maturity, it is more-likely-than-not that the Company will not be required to sell these investments before a recovery of its investment, and issuers have continued to make timely payments of principal and interest. Additionally, the Company’s mortgage-backed securities are entirely issued by either U.S. government agencies or U.S. government sponsored enterprises. Collectively, these entities provide a guarantee, which is either explicitly or implicitly supported by the full faith and credit of the U.S. government, that investors in such mortgage-backed securities will receive timely principal and interest payments. Securities in an unrealized loss position at December 31,2021, by duration of the period of unrealized loss, are shown below. 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 Company has determined that these securities are temporarily impaired at December 31, 2022 and 2021 for the reasons set out below: Mortgage-backed securities. Obligations of state and political subdivisions. Corporate bonds. Restricted Stock The restricted stock category is comprised of FHLB, FRB, and CBB stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, these investments are carried at cost and evaluated for impairment. When evaluating these stocks for impairment, their value is determined based on the ultimate recoverability of the par value rather than by recognizing temporary declines in value. Restricted stock is viewed as a long-term investment and management believes that the Company has the ability and the intent to hold this stock until its value is recovered.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2022
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	NOTE 3. Loans and 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: December 31, (dollars in thousands) 2022 2021 Mortgage loans on real estate: Residential 1-4 family $ 169,248 $ 130,776 Commercial - owner occupied 184,586 198,413 Commercial - non-owner occupied 245,277 184,190 Multifamily 26,675 19,050 Construction 77,944 58,440 Second mortgages 8,828 7,877 Equity lines of credit 54,340 48,665 Total mortgage loans on real estate 766,898 647,411 Commercial and industrial loans 72,578 68,690 Consumer automobile loans 163,018 85,023 Other consumer loans 22,251 33,418 Other (1) 2,340 8,984 Total loans, net of deferred fees 1,027,085 843,526 Less: Allowance for loan losses 10,526 9,865 Loans, net of allowance and deferred fees (2) $ 1,016,559 $ 833,661 (1) Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $269 thousand and $304 thousand at December 31, 2022 and 2021, respectively. (2) Net deferred loan costs totaled $1.0 million and $1.3 million at December 31, 2022 and December 31, 2021, respectively. CREDIT QUALITY INFORMATION The Company uses internally-assigned risk grades to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company’s internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company’s internally assigned risk grades are as follows: • Pass: • Other Assets Especially Mentioned (OAEM): • Substandard: • Doubtful: • Loss: The following tables present credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2022 (dollars in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 169,094 $ - $ 154 $ 169,248 Commercial - owner occupied 184,301 285 - 184,586 Commercial - non-owner occupied 245,277 - - 245,277 Multifamily 26,675 - - 26,675 Construction 76,999 - 945 77,944 Second mortgages 8,828 - - 8,828 Equity lines of credit 54,340 - - 54,340 Total mortgage loans on real estate $ 765,514 $ 285 $ 1,099 $ 766,898 Commercial and industrial loans 72,434 - 144 72,578 Consumer automobile loans 162,738 - 280 163,018 Other consumer loans 22,251 - - 22,251 Other 2,340 - - 2,340 Total $ 1,025,277 $ 285 $ 1,523 $ 1,027,085 Credit Quality Information As of December 31, 2021 (dollars in thousands) Pass OAEM Substandard 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 December 31, 2022 and 2021 the Company did not have any loans internally classified as Loss or Doubtful. AGE ANALYSIS OF PAST DUE LOANS BY CLASS All classes of loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Interest and fees continue to accrue on past due loans until the date the loan is placed in nonaccrual status, if applicable. The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Age Analysis of Past Due Loans as of December 31, 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 $ 290 $ - $ 525 $ 154 $ 168,279 $ 169,248 Commercial - owner occupied 20 - - - 184,566 184,586 Commercial - non-owner occupied 206 - - - 245,071 245,277 Multifamily - - - - 26,675 26,675 Construction - - - 945 76,999 77,944 Second mortgages 19 - - - 8,809 8,828 Equity lines of credit 56 288 - - 53,996 54,340 Total mortgage loans on real estate $ 591 $ 288 $ 525 $ 1,099 $ 764,395 $ 766,898 Commercial and industrial loans 221 284 23 144 71,906 72,578 Consumer automobile loans 1,538 221 212 - 161,047 163,018 Other consumer loans 445 372 80 - 21,354 22,251 Other 47 - - - 2,293 2,340 Total $ 2,842 $ 1,165 $ 840 $ 1,243 $ 1,020,995 $ 1,027,085 (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 nonaccrual column and not also in its respective past due column. In the table above, the past due totals include student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $38 thousand million at December 31, 2022. Age Analysis of Past Due Loans as of December 31, 2021 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 120 $ - $ - $ 191 $ 130,465 $ 130,776 Commercial - owner occupied - - - - 198,413 198,413 Commercial - non-owner occupied - - - 113 184,077 184,190 Multifamily - - - - 19,050 19,050 Construction - - - - 58,440 58,440 Second mortgages 24 - - - 7,853 7,877 Equity lines of credit 51 - - - 48,614 48,665 Total mortgage loans on real estate $ 195 $ - $ - $ 304 $ 646,912 $ 647,411 Commercial and industrial loans 37 - 169 174 68,310 68,690 Consumer automobile loans 814 118 296 - 83,795 85,023 Other consumer loans 1,284 439 550 - 31,145 33,418 Other 31 3 10 - 8,940 8,984 Total $ 2,361 $ 560 $ 1,025 $ 478 $ 839,102 $ 843,526 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. (2) For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccrual 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 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: (dollars in thousands) December 31, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 154 $ 191 Commercial - non-owner occupied - 113 Construction and land development 945 - Total mortgage loans on real estate 1,099 304 Commercial and industrial loans 144 174 Total $ 1,243 $ 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: Years Ended December 31, (dollars in thousands) 2022 2021 Interest income that would have been recorded under original loan terms $ 111 $ 11 Actual interest income recorded for the period 15 2 Reduction in interest income on nonaccrual loans $ 96 $ 9 TROUBLED DEBT RESTRUCTURINGS The Company’s loan portfolio may include certain loans classified as TDRs, where economic concessions have been granted to borrowers who are experiencing financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The Company defines a TDR as nonperforming if the TDR is in nonaccrual status or is 90 days or more past due and still accruing interest at the report date. When the Company modifies a loan, management evaluates any possible impairment as discussed further below under Impaired Loans. There were no new TDRs in 2022 or 2021. At December 31, 2022 and 2021, the Company had no outstanding commitments to disburse additional funds on any TDR. There were no loans secured by residential 1 - 4 family real estate that were in the process of foreclosure at December 31, 2022 and 2021, respectively. In the years ended December 31, 2022 and 2021 there were no defaulting TDRs where the default occurred within twelve months of restructuring. The Company considers a TDR in default when any of the following occurs: the loan, as restructured, becomes 90 days or more past due; the loan is moved to nonaccrual status following the restructure; the loan is restructured again under terms that would qualify it as a TDR if it were not already so classified; or any portion of the loan is charged off. All TDRs are factored into the determination of the allowance for loan losses and included in the impaired loan analysis, as discussed below. IMPAIRED LOANS A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans include nonperforming loans and loans modified in a TDR. When management identifies a loan as impaired, the impairment is measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the sole or remaining source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, when foreclosure is probable, instead of the discounted cash flows. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost recovery method. For financial statement purposes, the recorded investment in the loan is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash basis method. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans, exclusive of purchased credit-impaired loans, with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. For the Year Ended As of December 31, 2022 December 31, 2022 (Dollars in thousands) Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 285 $ 44 $ 235 $ 21 $ 282 $ 7 Commercial 430 55 358 3 420 - Construction 1,321 829 191 6 1,208 3 Total mortgage loans on real estate 2,036 928 784 30 1,910 10 Commercial and industrial loans 144 144 - - 144 5 Total $ 2,180 $ 1,072 $ 784 $ 30 $ 2,054 $ 15 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 Loans are either individually evaluated for impairment or pooled with like loans and collectively evaluated for impairment. Also, various qualitative factors are applied to each segment of the loan portfolio. The allowance for loan losses is the accumulation of these components. Management’s estimate is based on certain observable, historical data and other factors that management believes are most reflective of the underlying credit losses being estimated. Management provides an allocated component of the allowance for loans that are individually evaluated for impairment. An allocated allowance is established when the discounted value of expected future cash flows from the impaired loan (or the collateral value or observable market price of the impaired loan) is lower than the carrying value of that loan. This allocation represents the sum of management’s estimated losses on each loan. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors , additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions (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. ALLOWANCE FOR LOAN LOSSES BY SEGMENT The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. For the Year ended December 31, 2022 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for loan losses: Balance, beginning $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Charge-offs (297 ) - (25 ) - (1,368 ) (332 ) - (2,022 ) Recoveries 134 - 61 22 648 112 - 977 Provision for loan losses 153 93 149 (310 ) 1,423 192 6 1,706 Ending Balance $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Individually evaluated for impairment $ - $ 6 $ 21 $ 3 $ - $ - $ - $ 30 Collectively evaluated for impairment 673 546 2,554 4,496 2,065 156 6 10,496 Ending Balance $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Loans Balances: Individually evaluated for impairment 144 1,020 279 413 - - - 1,856 Collectively evaluated for impairment 72,434 76,924 258,812 429,450 185,269 2,340 - 1,025,229 Ending Balance $ 72,578 $ 77,944 $ 259,091 $ 429,863 $ 185,269 $ 2,340 $ - $ 1,027,085 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 included residential 1-4 family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2022
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 4. Premises and Equipment Premises and equipment consisted of the following: Years Ended December 31, (dollars in thousands) 2022 2021 Land $ 7,062 $ 7,270 Buildings 34,187 36,418 Construction in process 335 279 Leashold improvements 1,130 867 Furniture, fixtures and equipment 22,867 21,991 65,581 66,825 Less accumulated depreciation and amortization 34,573 34,691 Balance at end of year $ 31,008 $ 32,134 Depreciation expense was $2.1 million for each of the years ended December 31, 2022 and 2021.

Leases

Leases	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Leases	NOTE 5. 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 if the rate implicit in the lease is unattainable. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. The Company’s long-term lease agreements are classified as operating leases. Certain of these leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liabilities to the extent the options are reasonably assured of being exercised. The lease agreements do not provide for residual value guarantees and have no restrictions or covenants that would impact dividends or require incurring additional financial obligations. The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2022 Lease liabilities $ 1,632 Right-of-use assets $ 1,579 Weighted average remaining lease term 4.24 years Weighted average discount rate 2.87 % Years Ended December 31, Lease cost 2022 2021 Operating lease cost $ 349 $ 347 Total lease cost $ 349 $ 347 Cash paid for amounts included in the measurement of lease liabilities $ 344 $ 351 A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: As of Lease payments due December 31, 2022 Twelve months ending December 31, 2023 $ 418 Twelve months ending December 31, 2024 436 Twelve months ending December 31, 2025 395 Twelve months ending December 31, 2026 278 Thereafter 231 Total undiscounted cash flows $ 1,758 Discount (126 ) Lease liabilities $ 1,632 The aggregate rental expense of premises and equipment was $415 thousand and $470 thousand for years ended December 31, 2022 and 2021, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2022
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	NOTE 6. Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both December 31, 2022 and December 31, 2021. The general purpose of these funds is to encourage and assist participants in investing in low-income residential rental properties located in the Commonwealth of Virginia, develop and implement strategies to maintain projects as low-income housing, deliver Federal Low Income Housing Credits to investors, allocate tax losses and other possible tax benefits to investors, and preserve and protect project assets. The investments in these funds were recorded as other assets on the consolidated balance sheets and were $1.4 million and $1.9 million at December 31, 2022 and December 31, 2021, respectively. The expected terms of these investments and the related tax benefits run through 2033. There were no additional committed capital calls as of December 31, 2022 or 2021. During the years ended December 31, 2022 and 2021, the Company recognized amortization expense of $425 thousand and $410 thousand, respectively, which was included within noninterest expense on the Consolidated Statements of Income. The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Year Ended December 31, (dollars in thousands) 2022 2021 Tax credits and other benefits Amortization of operating losses $ 425 $ 410 Tax benefit of operating losses* 89 86 Tax credits 349 361 Total tax benefits $ 438 $ 447 * Computed using a 21% tax rate.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	NOTE 7. Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2022 and 2021 was $47.3 million and $39.9 million, respectively. As of December 31, 2022, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2022 the scheduled maturities of time deposits are as follows: (dollars in thousands) 2023 $ 84,075 2024 46,425 2025 9,056 2026 5,471 2027 7,883 Balance at end of year $ 152,910

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2022
Borrowings [Abstract]
Borrowings	NOTE 8. Borrowings Short-Term Borrowings The Company classifies all borrowings that will mature within a year from the date on which the Company enters into them as short-term borrowings. Short-term borrowings sources consist of federal funds purchased, overnight repurchase agreements (which are secured transactions with customers that generally mature within one The Company maintains federal funds lines with several correspondent banks to address short-term borrowing needs. At December 31, 2022 and 2021 the 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 $346.5 million and $391.3 million as of December 31, 2022 and December 31, 2021, respectively. The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) December 31, 2022 December 31, 2021 Federal funds purchased $ 11,378 $ - Overnight repurchase agreements 4,987 4,536 Federal Home Loan Bank advances 46,100 - Total short-term borrowings $ 62,465 $ 4,536 Maximum month-end outstanding balance $ 62,465 $ 12,239 Average outstanding balance during the period $ 11,776 $ 7,293 Average interest rate (year-to-date) 2.34 % 0.10 % Average interest rate at end of period 4.58 % 0.10 % Long-Term Borrowings At December 31, 2022 the Company had fully repaid the borrowings under the FRB’s PPPLF. At December 31, 2021 the Company had $480 thousand 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

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2022
Share-Based Compensation [Abstract]
Share-Based Compensation	NOTE 9. 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 December 31, 2022, only restricted stock had been granted under the Incentive Stock Plan. Restricted stock activity for the year ended December 31, 2022 is summarized below. Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2022 38,435 $ 20.49 Issued 21,706 25.70 Vested (13,152 ) 21.93 Forfeited - - Nonvested, December 31, 2022 46,989 $ 22.49 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.44 years. The fair value of restricted stock granted during the year ended December 31, 2022 and 2021 was $558 thousand and $403 thousand, respectively. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $493 thousand as of December 31, 2022 and $351 thousand as of December 31, 2021. Stock-based compensation expense was $416 thousand and $294 thousand for the years ended December 31, 2022 and 2021, respectively. Under the Company’s Employee Stock Purchase Plan (ESPP), substantially all employees of the Company and its subsidiaries can authorize a specific payroll deduction from their base compensation for the periodic purchase of the Company’s common stock. Shares of stock are issued quarterly at a discount to the market price of the Company’s stock on the day of purchase, which can range from 0-15% and for 2022 and 2021 was set at 5%. Total stock purchases under the ESPP amounted to 5,765 shares during 2022 and 4,908 shares during 2021. At December 31, 2022, the Company had 221,778 remaining shares reserved for issuance under the ESPP.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2022
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	NOTE 10. Stockholders’ Equity and Earnings per Common Share STOCKHOLDERS’ EQUITY—ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended (dollars in thousands) December 31, Affected Line Item on Consolidated Statement of Income 2022 2021 Available-for-sale securities Realized loss on sale of securities $ (1,870 ) $ - Loss on sale of available-for-sale securities, net Tax effect (393 ) - Income tax benefit $ (1,477 ) $ - The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Year Ended December 31, 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (22,442 ) (22,442 ) Balance at end of period $ (20,767 ) $ (20,767 ) Year Ended December 31, 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (2,394 ) (2,394 ) Balance at end of period $ 1,675 $ 1,675 The following table presents the change in each component of accumulated other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (30,382 ) $ 6,463 $ (23,919 ) Reclassification adjustment for losses recognized in income 1,870 (393 ) 1,477 (28,512 ) 6,070 (22,442 ) Total change in accumulated other comprehensive income, net $ (28,512 ) $ 6,070 $ (22,442 ) Year Ended December 31, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,030 ) $ (636 ) $ (2,394 ) Total change in accumulated other comprehensive income, net $ (3,030 ) $ (636 ) $ (2,394 ) EARNINGS PER COMMON SHARE Basic EPS is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the weighted average number of common shares outstanding during the period, including the effect of dilutive potential common shares attributable to the ESPP. The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2022 and 2021: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount Year Ended December 31, 2022 Net income, basic $ 9,108 5,071 $ 1.80 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 9,108 5,071 $ 1.80 Year Ended December 31, 2021 Net income, basic $ 8,440 5,238 $ 1.61 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 8,440 5,238 $ 1.61 The Company had no antidilutive shares in 2022 or 2021. Non-vested restricted common shares, which carry all rights and privileges of a common share with respect to the stock, including the right to vote, were included in the basic and diluted per common share calculations.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2022
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 11. Related Party Transactions In the ordinary course of business, the Company has granted loans to principal stockholders, executive officers and directors and their affiliates. These loans were made on substantially the same terms and conditions, including interest rates, collateral and repayment terms, as those prevailing at the same time for comparable transactions with unrelated persons, and, in the opinion of management and the Company’s board of directors, do not involve more than normal risk or present other unfavorable features. None of the principal stockholders, executive officers or directors had direct or indirect loans exceeding 10 percent of stockholders’ equity at December 31, 2022. Annual activity consisted of the following: (dollars in thousands) 2022 2021 Balance, beginning of year $ 1,889 $ 4,220 Additions 1,092 1,822 Reductions (257 ) (4,153 ) Balance, end of year $ 2,724 $ 1,889 Deposits from related parties held by the Company at December 31, 2022 and 2021 amounted to $24.5 million and $19.8 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	NOTE 12. Income Taxes The components of income tax expense for the current and prior year-ends are as follows: (dollars in thousands) 2022 2021 Current income tax expense $ 1,525 $ 1,021 Deferred income tax (benefit) expense (51 ) 275 Reported income tax expense $ 1,474 $ 1,296 A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, (dollars in thousands) 2022 2021 Expected tax expense $ 2,222 $ 2,045 Low-income housing tax credit (349 ) (361 ) Tax-exempt interest, net (220 ) (192 ) Bank-owned life insurance (191 ) (213 ) Other, net 12 17 Reported tax expense $ 1,474 $ 1,296 The effective tax rates for 2022 and 2021 were 13.9% and 13.3%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2022 2021 Deferred tax assets: Allowance for loan losses $ 2,211 $ 2,072 Nonaccrual loans 9 10 Acquisition accounting - 5 Net operating losses 574 609 Investments in pass-through entities 320 267 Securities available-for-sale 5,520 - Stock awards 117 116 Other accrued compensation 498 386 Deferred loan fees and costs 217 270 Lease liability 343 219 Other 11 61 $ 9,820 $ 4,015 Deferred tax liabilities: Premises and equipment $ 606 $ 481 Acquisition accounting 49 58 Right of use asset 332 214 Securities available-for-sale - 445 987 1,198 Net deferred tax assets $ 8,833 $ 2,817 The Company files income tax returns in the U.S. federal jurisdiction and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2019.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies [Abstract]
Commitments and Contingencies	NOTE 13. Commitments and Contingencies CREDIT-RELATED FINANCIAL INSTRUMENTS The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. The following financial instruments whose contract amounts represent credit risk were outstanding at: December 31, December 31, (dollars in thousands) 2022 2021 Commitments to extend credit: Home equity lines of credit $ 87,722 $ 71,751 Commercial real estate, construction and development loans committed but not funded 67,107 42,683 Other lines of credit (principally commercial) 51,742 52,695 Total $ 206,571 $ 167,129 Letters of credit $ 904 $ 3,617 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extensions of credit is based on management’s credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit are not collateralized and usually do not contain a specified maturity date, and ultimately may or may not be drawn upon to the total extent to which the Company is committed. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company holds various collateral supporting those commitments for which collateral is deemed necessary. LEGAL CONTINGENCIES Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company’s Consolidated Financial Statements.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2022
Fair Value Measurements [Abstract]
Fair Value Measurements	NOTE 14. Fair Value Measurements DETERMINATION OF FAIR VALUE The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the “Fair Value Measurements and Disclosures” topics of FASB ASU No. 2010-06 and FASB ASU No. 2011-04, and FASB ASU No. 2016-01, the fair value of a financial instrument is the price that would be received in the sale of an asset or transfer of a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimate of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market for the asset or liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value can be a reasonable point within a range that is most representative of fair value under current market conditions. In estimating the fair value of assets and liabilities, the Company relies mainly on two models. The first model, used by the Company’s bond accounting service provider, determines the fair value of securities. Securities are priced based on an evaluation of observable market data, including benchmark yield curves, reported trades, broker/dealer quotes, and issuer spreads. Pricing is also impacted by credit information about the issuer, perceived market movements, and current news events impacting the individual sectors. The second source is a third party vendor the Company utilizes to provide fair value exit pricing for loans and interest bearing deposits in accordance with guidance. In accordance with ASC 820, “Fair Value Measurements and Disclosures,” the Company groups its financial assets and financial liabilities generally measured at fair value into three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2 – Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation. An instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS Debt securities with readily determinable fair values that are classified as “available-for-sale” are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company’s available-for-sale securities are considered to be Level 2 securities. The 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 December 31, 2022 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance Assets: Available-for-sale securities U.S. Treasury securities $ 7,671 $ - $ 7,671 $ - Obligations of U.S. Government agencies 42,399 - 42,399 - Obligations of state and political subdivisions 59,384 - 59,384 - Mortgage-backed securities 88,913 - 88,913 - Money market investments 1,816 - 1,816 - Corporate bonds and other securities 25,335 - 25,335 - Total available-for-sale securities 225,518 - 225,518 - Derivatives Interest rate lock 23 - 23 - Interest rate swap on loans 1,447 - 1,447 - Total assets $ 226,988 $ - $ 226,988 $ - Liabilities: Derivatives Interest rate swap on loans 1,447 - 1,447 - Total liabilities $ 1,447 $ - $ 1,447 $ - Fair Value Measurements at December 31, 2021 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance 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 or interest when due according to the contractual terms of the loan agreement. The measurement of fair value and loss associated with impaired loans can be based on the observable market price of the loan, the fair value of the collateral securing the loan, or the present value of the loan’s expected future cash flows, discounted at the loan’s effective interest rate rather than at a market rate. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable, with the vast majority of the collateral in real estate. The value of real estate collateral is determined utilizing an income, market, or cost valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company. In the case of loans with lower balances, the Company may obtain a real estate evaluation instead of an appraisal. Evaluations utilize many of the same techniques as appraisals, and are typically performed by independent appraisers. Once received, appraisals and evaluations are reviewed by trained staff independent of the lending function to verify consistency and reasonability. Appraisals and evaluations are based on significant unobservable inputs, including but not limited to: adjustments made to comparable properties, judgments about the condition of the subject property, the availability and suitability of comparable properties, capitalization rates, projected income of the subject or comparable properties, vacancy rates, projected depreciation rates, and the state of the local and regional economy. The Company may also elect to make additional reductions in the collateral value based on management’s best judgment, which represents another source of unobservable inputs. Because of the subjective nature of collateral valuation, impaired loans are considered Level 3. Impaired loans may be secured by collateral other than real estate. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business’ financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivable collateral are based on financial statement balances or aging reports (Level 3). If a loan is not collateral-dependent, its impairment may be measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate. Because the loan is discounted at its effective rate of interest, rather than at a market rate, the loan is not considered to be held at fair value and is not included in the tables below. Collateral-dependent impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as part of the provision for loan losses on the Consolidated Statements of Income. 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 tables present the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan’s expected future cash flows, discounted at the loan’s effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the tables below. Carrying Value at December 31, 2022 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Mortgage loans on real estate: Construction $ 110 $ - $ - $ 110 Total $ 110 $ - $ - $ 110 Loans Loans held for sale $ 421 $ - $ 421 $ - Carrying Value at December 31, 2021 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans 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 quantitative information about Level 3 Fair Value Measurements as of December 31, 2022 and 2021, respectively: Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2022 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Construction loans $ 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 %) FASB ASC 825, “Financial Instruments,” requires disclosure about fair value of financial instruments and excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company’s assets. The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of December 31, 2022 and December 31, 2021. For short-term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between origination of the instrument and its expected realization. For non-marketable equity securities such as FHLB and FRB stock, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government-supported institution or to another member institution. For financial liabilities such as noninterest-bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity. Fair values for December 31, 2022 and 2021 are estimated under the exit price notion in accordance with ASU No. 2016-01, “Recognition and Measurement of Financial Assets and Financial Liabilities.” The estimated fair values, and related carrying or notional amounts, of the Company’s financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 19,250 $ 19,250 $ - $ - Securities available-for-sale 225,518 - 225,518 - Restricted securities 3,434 - 3,434 - Loans held for sale 421 - 421 - Loans, net of allowances for loan losses 1,016,559 - - 996,807 Derivatives Interest rate lock 23 - 23 - Interest rate swap on loans 1,447 - 1,447 - Bank owned life insurance 34,049 - 34,049 - Accrued interest receivable 4,253 - 4,253 - Liabilities Deposits $ 1,156,019 $ - $ 1,156,547 $ - Federal funds purchased 11,378 - 11,378 - Overnight repurchase agreements 4,987 - 4,987 - Federal Home Loan Bank advances 46,100 - 46,100 - Long term borrowings 29,538 - 25,539 - Derivatives Interest rate swap on loans 1,447 - 1,447 - Accrued interest payable 834 - 834 - Fair Value Measurements at December 31, 2021 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 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 -

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2022
Regulatory Matters [Abstract]
Regulatory Matters	NOTE 15. Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can cause certain mandatory and possibly additional discretionary actions to be initiated by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Federal banking regulations also impose regulatory capital requirements on bank holding companies. Under the small bank holding company policy statement of the FRB, which applies to certain bank holding companies with consolidated total assets of less than $3 billion, the Company is not subject to regulatory capital requirements. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios of total, Tier 1, and common equity tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. The terms Tier 1 and common equity tier 1 capital, risk-weighted assets and average assets, as used in this note, are as defined in the applicable regulations. Management believes, as of December 31, 2022 and 2021, that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2022, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, common equity tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios as of December 31, 2022 and 2021 are presented in the table below. 2022 2021 Regulatory Regulatory Minimums December 31, 2022 Minimums December 31, 2021 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 10.80 % 4.500 % 12.57 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 10.80 % 6.000 % 12.57 % Tier 1 Leverage to Average Assets 4.000 % 9.43 % 4.000 % 9.09 % Total Capital to Risk-Weighted Assets 8.000 % 11.70 % 8.000 % 13.61 % Capital Conservation Buffer 2.500 % 3.70 % 2.500 % 5.61 % Risk-Weighted Assets (in thousands) $ 1,177,600 $ 952,218 The approval of the Comptroller is required if the total of all dividends declared by a national bank in any calendar year exceeds the bank’s net profits for that year combined with its retained net profits for the preceding two calendar years. Under this formula, the Bank and Wealth can distribute as dividends to the Company in 2023, without approval of the Comptroller, $13.3 million plus an additional amount equal to the Bank’s and Wealth’s retained net profits for 2023 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Segment Reporting	NOTE 16. Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, the Wealth, and the Company (for purposes of this Note, the Parent). Revenues from the Bank’s operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Wealth’s operating revenues consist principally of income from fiduciary and asset management fees. The Parent’s revenues are mainly interest and dividends received from the Bank and Wealth. The Company has no other segments. The Company’s reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: Year Ended December 31, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 47,963 $ 80 $ 10,873 $ (10,873 ) $ 48,043 Income from fiduciary activities - 4,097 - - 4,097 Other income 8,307 1,162 200 (261 ) 9,408 Total operating income 56,270 5,339 11,073 (11,134 ) 61,548 Expenses Interest expense 2,424 - 1,181 - 3,605 Provision for loan losses 1,706 - - - 1,706 Salaries and employee benefits 22,751 3,613 691 - 27,055 Other expenses 17,135 1,164 562 (261 ) 18,600 Total operating expenses 44,016 4,777 2,434 (261 ) 50,966 Income before taxes 12,254 562 8,639 (10,873 ) 10,582 Income tax expense (benefit) 1,822 121 (469 ) - 1,474 Net income $ 10,432 $ 441 $ 9,108 $ (10,873 ) $ 9,108 Capital expenditures $ 1,341 $ 13 $ - $ - $ 1,354 Total assets $ 1,347,151 $ 7,048 $ 128,849 $ (127,713 ) $ 1,355,335 Year Ended December 31, 2021 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 42,226 $ 26 $ 9,643 $ (9,643 ) $ 42,252 Income from fiduciary activities - 4,198 - - 4,198 Other income 9,681 1,067 201 (262 ) 10,687 Total operating income 51,907 5,291 9,844 (9,905 ) 57,137 Expenses Interest expense 2,909 - 549 - 3,458 Provision for loan losses 794 - - - 794 Salaries and employee benefits 21,682 3,012 667 - 25,361 Other expenses 16,412 1,131 507 (262 ) 17,788 Total operating expenses 41,797 4,143 1,723 (262 ) 47,401 Income before taxes 10,110 1,148 8,121 (9,643 ) 9,736 Income tax expense (benefit) 1,372 243 (319 ) - 1,296 Net income $ 8,738 $ 905 $ 8,440 $ (9,643 ) $ 8,440 Capital expenditures $ 1,473 $ 41 $ - $ - $ 1,514 Total assets $ 1,330,337 $ 7,227 $ 150,943 $ (150,352 ) $ 1,338,155 The accounting policies of the segments are the same as those described in the summary of significant accounting policies. The Company evaluates performance based on profit or loss from operations before income taxes not including nonrecurring gains or losses. Both the Parent and Wealth maintain deposit accounts with the Bank, on terms substantially similar to those available to other customers. These transactions are eliminated to reach consolidated totals. The Company operates in one geographical area and does not have a single external customer from which it derives 10 percent or more of its revenues.

Condensed Financial Statements

Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2022
Condensed Financial Statements of Parent Company [Abstract]
Condensed Financial Statements of Parent Company	NOTE 17. Condensed Financial Statements of Parent Company Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: Balance Sheets December 31, (dollars in thousands) 2022 2021 Assets Cash and cash equivalents $ 12,255 $ 20,012 Securities available-for-sale - - Investment in common stock of subsidiaries 115,303 130,123 Other assets 1,291 808 Total assets $ 128,849 $ 150,943 Liabilities and Stockholders’ Equity Other borrowings $ 29,538 $ 29,407 Other liability 577 718 Common stock 24,761 26,006 Additional paid-in capital 16,593 21,458 Retained earnings 78,147 71,679 Accumulated other comprehensive income (loss) (20,767 ) 1,675 Total liabilities and stockholders’ equity $ 128,849 $ 150,943 Statements of Income Years Ended December 31, (dollars in thousands) 2022 2021 Income: Dividends from subsidiary $ 3,250 $ 3,975 Other income 200 201 Total income 3,450 4,176 Expenses: Salary and benefits 691 667 Subordinated debt 1,181 549 Legal expenses 298 274 Service fees 142 146 Other operating expenses 122 87 Total expenses 2,434 1,723 Income before income taxes and equity in undistributed net income of subsidiaries 1,016 2,453 Income tax benefit (469 ) (319 ) 1,485 2,772 Equity in undistributed net income of subsidiaries 7,623 5,668 Net income $ 9,108 $ 8,440 Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2022 2021 Cash flows from operating activities: Net income $ 9,108 $ 8,440 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (7,623 ) (5,668 ) Amortization of subordinated debt issuance costs 131 60 Stock compensation expense 37 32 Increase in other assets (104 ) (40 ) (Decrease) increase in other liabilities (140 ) 655 Net cash provided by operating activities 1,409 3,479 Cash flows from investing activities: Cash distributed to subsidiary - (10,000 ) Net cash used in investing activities - (10,000 ) Cash flows from financing activities: Proceeds from sale of stock 129 103 Proceeds from borrowings - 29,347 Repayment of borrowings - (1,350 ) Repurchase and retirement of common stock (6,655 ) (150 ) Cash dividends paid on common stock (2,640 ) (2,620 ) Net cash provided by (used in) financing activities (9,166 ) 25,330 Net increase (decrease) in cash and cash equivalents (7,757 ) 18,809 Cash and cash equivalents at beginning of year 20,012 1,203 Cash and cash equivalents at end of year $ 12,255 $ 20,012

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries, the Bank and Wealth. All significant intercompany balances and transactions have been eliminated in consolidation.
BASIS OF PRESENTATION	BASIS OF PRESENTATION In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated balance sheets and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and evaluation of goodwill for impairment. In the opinion of management, all adjustments, consisting only of normal recurring adjustments, which are necessary for a fair presentation of the results of operations in these financial statements, have been made.
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company’s activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 2. The types of lending that the Company engages in are included in Note 3. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2022 and 2021, there were $534.5 million and $460.1 million, or 52.0% and 54.5%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. Refer to Note 3 for further detail.
CASH AND CASH EQUIVALENTS	CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days. The Bank is typically required to maintain cash reserve balances on hand or with the Federal Reserve Bank (FRB). At December 31, 2022, there was no minimum reserve requirement as a result of a rule adopted by the FRB in March 2020 eliminating the reserve requirement.
INTEREST-BEARING DEPOSITS IN BANKS	INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost.
SECURITIES	SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as held-to-maturity and recorded at amortized cost. Securities not classified as held-to-maturity, excluding equity securities with readily determinable fair values which are recorded at fair value through the income statement, are classified as available-for-sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income (loss). Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company has no trading securities. Impairment of debt securities occurs when the fair value of a security is less than its amortized cost. For debt securities, impairment is considered other-than-temporary and recognized in its entirety in net income if either (i) the Company intends to sell the security or (ii) it is more-likely-than-not the Company will be required to sell the security before recovery of its amortized cost basis. If, however, the Company does not intend to sell the security and it is not more-likely-than-not that the Company will be required to sell the security before recovery, the Company must determine what portion of the impairment is attributable to a credit loss, which occurs when the amortized cost basis of the security exceeds the present value of the cash flows expected to be collected from the security. If there is no credit loss, there is no other-than-temporary impairment. If there is a credit loss, other-than-temporary impairment exists, and the credit loss must be recognized in net income and the remaining portion of impairment must be recognized in other comprehensive income (loss). The Company regularly reviews unrealized losses in its investments in securities based on criteria including the extent to which market value is below amortized cost, the duration of that market decline, the financial health of and specific prospects for the issuer, the Company’s best estimate of the present value of cash flows expected to be collected from debt securities, the Company’s intention with regard to holding the security to maturity and the likelihood that the Company would be required to sell the security before recovery.
RESTRICTED SECURITIES, AT COST	RESTRICTED SECURITIES, AT COST The Company, as a member of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of both the FRB and the FHLB. The Company also has an investment in the capital stock of Community Bankers’ Bank (CBB). Based on the redemption provisions of these investments, the stocks have no quoted market value, are carried at cost and are listed as restricted securities. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FRB, FHLB, and CBB stock.
LOANS HELD FOR SALE	LOANS HELD FOR SALE The Company records loans held for sale using the lower of cost or fair value. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Any changes in the application of lower of cost or market accounting of loans held for sale is recorded as a component of “Mortgage banking income” within the Company’s Consolidated Statements of Income.
LOANS	LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company’s loans are secured by real estate, including real estate construction loans, real estate commercial loans, and real estate mortgage loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company’s debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
PAYCHECK PROTECTION PROGRAM	PAYCHECK PROTECTION PROGRAM Beginning in April 2020, the Company originated loans under the Paycheck Protection Program (PPP) of the Small Business Administration (SBA). PPP loans are fully guaranteed by the SBA, and in some cases borrowers may be eligible to obtain forgiveness of the loans, in which case loans would be repaid by the SBA. As repayment of the PPP loans is guaranteed by the SBA, the Company does not recognize a reserve for PPP loans in its allowance for loan losses. The Company received fees from the SBA of one percent to five percent of the principal amount of each loan originated under the PPP. Fees received from the SBA are recognized net of direct origination costs in interest income over the life of the related loans. Recognition of fees related to PPP loans is dependent upon the timing of ultimate repayment or forgiveness. Aggregate fees from the SBA of $4.7 million, net of direct costs, will be recognized in interest income over the life of the loans, of which $10 thousand remains unrecognized as of December 31, 2022. In 2022, 2021 and 2020, the Company recognized $699 thousand, $3.2 million, and $813 thousand in net loan fees related to PPP loans in interest income on loans in the Consolidated Statement of Income, respectively.
NONACCRUALS, PAST DUES AND CHARGE-OFFS	NONACCRUALS, PAST DUES AND CHARGE-OFFS The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan agreement, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual status or charged off. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: • Management determines the asset to be uncollectible; • Repayment is deemed to be protracted beyond reasonable time frames; • The asset has been classified as a loss by either the internal loan review process or external examiners; • The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or • The loan is 120 days or more past due unless the loan is both well secured and in the process of collection.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES The ALLL is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a troubled debt restructuring (TDR) (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. Each portfolio segment has risk characteristics as follows: • Commercial and industrial: • Real estate-construction: • Real estate-mortgage • Real estate-commercial: • Consumer loans: • Other loans: Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2022 and 2021 management used eight twelve-quarter migration periods. Based on credit risk assessments and management’s analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions (including uncertainties associated with the COVID-19 pandemic), trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
OTHER REAL ESTATE OWNED (OREO)	OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in gain on other real estate owned on the Consolidated Statements of Income.
BANK-OWNED LIFE INSURANCE	BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other operating income on the Consolidated Statements of Income.
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years.
OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded.
STOCK COMPENSATION PLANS	STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, “Compensation -- Stock Compensation”) requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards.
REVENUE RECOGNITION	REVENUE RECOGNITION:
INCOME TAXES	INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, “Income Taxes”). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of both positive and negative evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2022 or 2021.
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method. Nonvested restricted stock shares are included in the calculation of basic earnings per common share due to their rights to voting and dividends.
WEALTH ASSETS AND INCOME	WEALTH ASSETS AND INCOME Securities and other property held by Wealth in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements.
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS The Company recognizes derivative financial instruments at fair value as either an other asset or other liability in the Consolidated Balance Sheets. The Company’s derivative financial instruments include interest rate swaps with certain qualifying commercial loan customers and dealer counterparties and interest rate contracts arising from mortgage banking activities, including interest rate lock commitments (IRLCs) on mortgage loans and related forward sales of mortgage loans. The change in fair value of these instruments is reported as noninterest income.
ADVERTISING EXPENSES	ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2022 and 2021 was $202 thousand and $217 thousand, respectively.
COMPREHENSIVE (LOSS) INCOME	COMPREHENSIVE (LOSS) INCOME Comprehensive (loss) income consists of net income and other comprehensive (loss) income, net of tax. Other comprehensive (loss) income, net of tax includes unrealized gains and losses on securities available-for-sale which is also recognized a separate component of equity.
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates.
RECENT SIGNIFICANT ACCOUNTING PRONOUNCEMENTS	RECENT SIGNIFICANT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-13, “ Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,” Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments Financial Instruments – Credit Losses (Topic 326): Targeted Transition Relief Financial instruments—Credit losses (Topic 326), Derivatives and hedging (Topic 815), and Leases (Topic 842)—Effective dates, Codification Improvements to Topic 326, Financial Instruments— Credit Losses, Financial Instruments-Credit Losses (Topic 326) and Leases (Topic 842), Codification Improvements to Financial Instruments “Financial Instruments – Credit Losses (Topic 326) - Troubled Debt Restructurings and Vintage Disclosures” The amendments of ASC 326, upon adoption, are to 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 established a working group to prepare for and implement changes related to ASC 326. This working group gathered historical loan loss data for purposes of evaluating appropriate portfolio segmentation and modeling methods under the standard related to the allowance for credit losses on loans, 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 and engaged a vendor to assist in modeling expected lifetime losses under ASC 326. The Company expects to primarily utilize discounted cash flow methods for estimating the allowance for credit losses on loans and has implemented policies for developing that estimate. The Company is also implementing changes to its policies and procedures related to measuring impairment of available for sale securities and does not expect a significant effect on the carrying value of the Company’s available for sale securities as a result of the adoption of ASC 326. The adoption of ASC 326 and related changes in the Company’s accounting policies will result in significant changes to the Company’s consolidated financial statements, including differences in the timing of recognizing changes to the allowance for credit losses, and will include expanded disclosures about the allowance for credit losses, charge-offs and recoveries of loans, and certain loan modifications. The adoption of the standard also results in changes in the Company’s internal controls over financial reporting related to the allowance for credit losses. Upon adoption, transition adjustments will be made to record an increase in the reported balance of loans and the allowance for credit losses on loans, recognize a liability for credit losses on commitments to extend credit, and reduce total equity of both the Company and the Bank, which will result in a reduction of regulatory capital of the Bank. The final cumulative effect of the transition adjustments is still subject to completion by the Company but is estimated to reduce opening retained earnings on January 1, 2023 by a reasonable range of $1 million to $2 million. In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848) – Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” Subsequently, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. This guidance provides temporary, optional expedients and exceptions to ease the potential burden in accounting for modifications of loan contracts, borrowings, and other transactions related to reference rate reform associated with the LIBOR transition if certain criteria are met. The amendments are effective as of March 12, 2020 through December 31, 2024 and can be adopted at an instrument level. These modifications have not had and are not expected to have a material impact on the 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 Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2022
Securities Portfolio [Abstract]
Amortized Cost and Fair Value, with Gross Unrealized Gains and Losses of Securities Available-for-Sale	The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 8,013 $ - $ (342 ) $ 7,671 Obligations of U.S. Government agencies 43,622 10 (1,233 ) 42,399 Obligations of state and political subdivisions 70,491 - (11,107 ) 59,384 Mortgage-backed securities 99,874 - (10,961 ) 88,913 Money market investments 1,816 - - 1,816 Corporate bonds and other securities 27,990 - (2,655 ) 25,335 $ 251,806 $ 10 $ (26,298 ) $ 225,518 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. December 31, 2022 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 890 $ 872 Due after one year through five years 19,927 18,976 Due after five through ten years 64,098 56,164 Due after ten years 165,075 147,690 Other securities, restricted 1,816 1,816 $ 251,806 $ 225,518
Net Realized Losses on Sale of Investments	The following table provides information about securities sold in the years ended December 31: Years Ended December 31, (Dollars in thousands) 2022 2021 Securities Available-for-sale Realized losses on sales of securities $ (1,870 ) $ - Net realized loss $ (1,870 ) $ -
Available-for-Sale Securities, Unrealized Loss Position	Securities in an unrealized loss position at December 31,2022, by duration of the period of unrealized loss, are shown below. December 31, 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 $ 342 $ 7,671 $ - $ - $ 342 $ 7,671 Obligations of U.S. Government agencies 258 13,873 975 22,851 1,233 36,724 Obligations of state and political subdivisions 5,386 33,720 5,721 23,856 11,107 57,576 Mortgage-backed securities 4,157 52,717 6,804 36,196 10,961 88,913 Corporate bonds and other securities 1,084 12,906 1,571 11,429 2,655 24,335 Total securities available-for-sale $ 11,227 $ 120,887 $ 15,071 $ 94,332 $ 26,298 $ 215,219 Securities in an unrealized loss position at December 31,2021, by duration of the period of unrealized loss, are shown below. 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 Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2022
Loans and Allowance for Loan Losses [Abstract]
Outstanding Loans By Segment Type	The following is a summary of the balances in each class of the Company’s portfolio of loans held for investment as of the dates indicated: December 31, (dollars in thousands) 2022 2021 Mortgage loans on real estate: Residential 1-4 family $ 169,248 $ 130,776 Commercial - owner occupied 184,586 198,413 Commercial - non-owner occupied 245,277 184,190 Multifamily 26,675 19,050 Construction 77,944 58,440 Second mortgages 8,828 7,877 Equity lines of credit 54,340 48,665 Total mortgage loans on real estate 766,898 647,411 Commercial and industrial loans 72,578 68,690 Consumer automobile loans 163,018 85,023 Other consumer loans 22,251 33,418 Other (1) 2,340 8,984 Total loans, net of deferred fees 1,027,085 843,526 Less: Allowance for loan losses 10,526 9,865 Loans, net of allowance and deferred fees (2) $ 1,016,559 $ 833,661 (1) Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $269 thousand and $304 thousand at December 31, 2022 and 2021, respectively. (2) Net deferred loan costs totaled $1.0 million and $1.3 million at December 31, 2022 and December 31, 2021, respectively.
Credit Quality Information	The following tables present credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2022 (dollars in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 169,094 $ - $ 154 $ 169,248 Commercial - owner occupied 184,301 285 - 184,586 Commercial - non-owner occupied 245,277 - - 245,277 Multifamily 26,675 - - 26,675 Construction 76,999 - 945 77,944 Second mortgages 8,828 - - 8,828 Equity lines of credit 54,340 - - 54,340 Total mortgage loans on real estate $ 765,514 $ 285 $ 1,099 $ 766,898 Commercial and industrial loans 72,434 - 144 72,578 Consumer automobile loans 162,738 - 280 163,018 Other consumer loans 22,251 - - 22,251 Other 2,340 - - 2,340 Total $ 1,025,277 $ 285 $ 1,523 $ 1,027,085 Credit Quality Information As of December 31, 2021 (dollars in thousands) Pass OAEM Substandard 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 December 31, 2022 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 290 $ - $ 525 $ 154 $ 168,279 $ 169,248 Commercial - owner occupied 20 - - - 184,566 184,586 Commercial - non-owner occupied 206 - - - 245,071 245,277 Multifamily - - - - 26,675 26,675 Construction - - - 945 76,999 77,944 Second mortgages 19 - - - 8,809 8,828 Equity lines of credit 56 288 - - 53,996 54,340 Total mortgage loans on real estate $ 591 $ 288 $ 525 $ 1,099 $ 764,395 $ 766,898 Commercial and industrial loans 221 284 23 144 71,906 72,578 Consumer automobile loans 1,538 221 212 - 161,047 163,018 Other consumer loans 445 372 80 - 21,354 22,251 Other 47 - - - 2,293 2,340 Total $ 2,842 $ 1,165 $ 840 $ 1,243 $ 1,020,995 $ 1,027,085 (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 nonaccrual column and not also in its respective past due column. In the table above, the past due totals include student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $38 thousand million at December 31, 2022. Age Analysis of Past Due Loans as of December 31, 2021 (dollars in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due and still Accruing Nonaccrual (2) Total Current Loans (1) Total Mortgage loans on real estate: Residential 1-4 family $ 120 $ - $ - $ 191 $ 130,465 $ 130,776 Commercial - owner occupied - - - - 198,413 198,413 Commercial - non-owner occupied - - - 113 184,077 184,190 Multifamily - - - - 19,050 19,050 Construction - - - - 58,440 58,440 Second mortgages 24 - - - 7,853 7,877 Equity lines of credit 51 - - - 48,614 48,665 Total mortgage loans on real estate $ 195 $ - $ - $ 304 $ 646,912 $ 647,411 Commercial and industrial loans 37 - 169 174 68,310 68,690 Consumer automobile loans 814 118 296 - 83,795 85,023 Other consumer loans 1,284 439 550 - 31,145 33,418 Other 31 3 10 - 8,940 8,984 Total $ 2,361 $ 560 $ 1,025 $ 478 $ 839,102 $ 843,526 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. (2) For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccrual column and not also in its respective past due column
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: (dollars in thousands) December 31, 2022 December 31, 2021 Mortgage loans on real estate: Residential 1-4 family $ 154 $ 191 Commercial - non-owner occupied - 113 Construction and land development 945 - Total mortgage loans on real estate 1,099 304 Commercial and industrial loans 144 174 Total $ 1,243 $ 478
Interest Income to be Earned under the Original Terms	The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, (dollars in thousands) 2022 2021 Interest income that would have been recorded under original loan terms $ 111 $ 11 Actual interest income recorded for the period 15 2 Reduction in interest income on nonaccrual loans $ 96 $ 9
Impaired Loans by Class	The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans, exclusive of purchased credit-impaired loans, with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. For the Year Ended As of December 31, 2022 December 31, 2022 (Dollars in thousands) Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 285 $ 44 $ 235 $ 21 $ 282 $ 7 Commercial 430 55 358 3 420 - Construction 1,321 829 191 6 1,208 3 Total mortgage loans on real estate 2,036 928 784 30 1,910 10 Commercial and industrial loans 144 144 - - 144 5 Total $ 2,180 $ 1,072 $ 784 $ 30 $ 2,054 $ 15 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 table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. For the Year ended December 31, 2022 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for loan losses: Balance, beginning $ 683 $ 459 $ 2,390 $ 4,787 $ 1,362 $ 184 $ - $ 9,865 Charge-offs (297 ) - (25 ) - (1,368 ) (332 ) - (2,022 ) Recoveries 134 - 61 22 648 112 - 977 Provision for loan losses 153 93 149 (310 ) 1,423 192 6 1,706 Ending Balance $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Individually evaluated for impairment $ - $ 6 $ 21 $ 3 $ - $ - $ - $ 30 Collectively evaluated for impairment 673 546 2,554 4,496 2,065 156 6 10,496 Ending Balance $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Loans Balances: Individually evaluated for impairment 144 1,020 279 413 - - - 1,856 Collectively evaluated for impairment 72,434 76,924 258,812 429,450 185,269 2,340 - 1,025,229 Ending Balance $ 72,578 $ 77,944 $ 259,091 $ 429,863 $ 185,269 $ 2,340 $ - $ 1,027,085 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 included residential 1-4 family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment consisted of the following: Years Ended December 31, (dollars in thousands) 2022 2021 Land $ 7,062 $ 7,270 Buildings 34,187 36,418 Construction in process 335 279 Leashold improvements 1,130 867 Furniture, fixtures and equipment 22,867 21,991 65,581 66,825 Less accumulated depreciation and amortization 34,573 34,691 Balance at end of year $ 31,008 $ 32,134

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Information About Leases	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2022 Lease liabilities $ 1,632 Right-of-use assets $ 1,579 Weighted average remaining lease term 4.24 years Weighted average discount rate 2.87 %
Lease Cost	Years Ended December 31, Lease cost 2022 2021 Operating lease cost $ 349 $ 347 Total lease cost $ 349 $ 347 Cash paid for amounts included in the measurement of lease liabilities $ 344 $ 351
Maturity of Operating Lease Liabilities	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: As of Lease payments due December 31, 2022 Twelve months ending December 31, 2023 $ 418 Twelve months ending December 31, 2024 436 Twelve months ending December 31, 2025 395 Twelve months ending December 31, 2026 278 Thereafter 231 Total undiscounted cash flows $ 1,758 Discount (126 ) Lease liabilities $ 1,632

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	12 Months Ended
	Dec. 31, 2022
Low-Income Housing Tax Credits [Abstract]
Tax Credits and Other Tax Benefits Recognized Related to Investments	The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Year Ended December 31, (dollars in thousands) 2022 2021 Tax credits and other benefits Amortization of operating losses $ 425 $ 410 Tax benefit of operating losses* 89 86 Tax credits 349 361 Total tax benefits $ 438 $ 447 * Computed using a 21% tax rate.

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Maturities of Time Deposits	At December 31, 2022 the scheduled maturities of time deposits are as follows: (dollars in thousands) 2023 $ 84,075 2024 46,425 2025 9,056 2026 5,471 2027 7,883 Balance at end of year $ 152,910

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) December 31, 2022 December 31, 2021 Federal funds purchased $ 11,378 $ - Overnight repurchase agreements 4,987 4,536 Federal Home Loan Bank advances 46,100 - Total short-term borrowings $ 62,465 $ 4,536 Maximum month-end outstanding balance $ 62,465 $ 12,239 Average outstanding balance during the period $ 11,776 $ 7,293 Average interest rate (year-to-date) 2.34 % 0.10 % Average interest rate at end of period 4.58 % 0.10 %

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the year ended December 31, 2022 is summarized below. Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2022 38,435 $ 20.49 Issued 21,706 25.70 Vested (13,152 ) 21.93 Forfeited - - Nonvested, December 31, 2022 46,989 $ 22.49

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2022
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts Reclassified Out of Accumulated Other Comprehensive Loss, by Category	The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended (dollars in thousands) December 31, Affected Line Item on Consolidated Statement of Income 2022 2021 Available-for-sale securities Realized loss on sale of securities $ (1,870 ) $ - Loss on sale of available-for-sale securities, net Tax effect (393 ) - Income tax benefit $ (1,477 ) $ -
Changes in Accumulated Other Comprehensive Loss, by Category	The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Year Ended December 31, 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (22,442 ) (22,442 ) Balance at end of period $ (20,767 ) $ (20,767 ) Year Ended December 31, 2021 Balance at beginning of period $ 4,069 $ 4,069 Net other comprehensive loss (2,394 ) (2,394 ) Balance at end of period $ 1,675 $ 1,675
Component of Accumulated Other Comprehensive Income on Pre-Tax and After-Tax	The following table presents the change in each component of accumulated other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (30,382 ) $ 6,463 $ (23,919 ) Reclassification adjustment for losses recognized in income 1,870 (393 ) 1,477 (28,512 ) 6,070 (22,442 ) Total change in accumulated other comprehensive income, net $ (28,512 ) $ 6,070 $ (22,442 ) Year Ended December 31, 2021 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,030 ) $ (636 ) $ (2,394 ) Total change in accumulated other comprehensive income, net $ (3,030 ) $ (636 ) $ (2,394 )
Computation of Earnings Per Share	The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2022 and 2021: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount Year Ended December 31, 2022 Net income, basic $ 9,108 5,071 $ 1.80 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 9,108 5,071 $ 1.80 Year Ended December 31, 2021 Net income, basic $ 8,440 5,238 $ 1.61 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 8,440 5,238 $ 1.61

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2022
Related Party Transactions [Abstract]
Annual Activity	Annual activity consisted of the following: (dollars in thousands) 2022 2021 Balance, beginning of year $ 1,889 $ 4,220 Additions 1,092 1,822 Reductions (257 ) (4,153 ) Balance, end of year $ 2,724 $ 1,889

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Components of Income Tax Expense	The components of income tax expense for the current and prior year-ends are as follows: (dollars in thousands) 2022 2021 Current income tax expense $ 1,525 $ 1,021 Deferred income tax (benefit) expense (51 ) 275 Reported income tax expense $ 1,474 $ 1,296
Reconciliation of Federal Income Tax Expense	A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, (dollars in thousands) 2022 2021 Expected tax expense $ 2,222 $ 2,045 Low-income housing tax credit (349 ) (361 ) Tax-exempt interest, net (220 ) (192 ) Bank-owned life insurance (191 ) (213 ) Other, net 12 17 Reported tax expense $ 1,474 $ 1,296
Components of Net Deferred Tax Asset	The components of the net deferred tax asset, included in other assets, are as follows: (dollars in thousands) 2022 2021 Deferred tax assets: Allowance for loan losses $ 2,211 $ 2,072 Nonaccrual loans 9 10 Acquisition accounting - 5 Net operating losses 574 609 Investments in pass-through entities 320 267 Securities available-for-sale 5,520 - Stock awards 117 116 Other accrued compensation 498 386 Deferred loan fees and costs 217 270 Lease liability 343 219 Other 11 61 $ 9,820 $ 4,015 Deferred tax liabilities: Premises and equipment $ 606 $ 481 Acquisition accounting 49 58 Right of use asset 332 214 Securities available-for-sale - 445 987 1,198 Net deferred tax assets $ 8,833 $ 2,817

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amounts Represent Credit Risk	The following financial instruments whose contract amounts represent credit risk were outstanding at: December 31, December 31, (dollars in thousands) 2022 2021 Commitments to extend credit: Home equity lines of credit $ 87,722 $ 71,751 Commercial real estate, construction and development loans committed but not funded 67,107 42,683 Other lines of credit (principally commercial) 51,742 52,695 Total $ 206,571 $ 167,129 Letters of credit $ 904 $ 3,617

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2022 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance Assets: Available-for-sale securities U.S. Treasury securities $ 7,671 $ - $ 7,671 $ - Obligations of U.S. Government agencies 42,399 - 42,399 - Obligations of state and political subdivisions 59,384 - 59,384 - Mortgage-backed securities 88,913 - 88,913 - Money market investments 1,816 - 1,816 - Corporate bonds and other securities 25,335 - 25,335 - Total available-for-sale securities 225,518 - 225,518 - Derivatives Interest rate lock 23 - 23 - Interest rate swap on loans 1,447 - 1,447 - Total assets $ 226,988 $ - $ 226,988 $ - Liabilities: Derivatives Interest rate swap on loans 1,447 - 1,447 - Total liabilities $ 1,447 $ - $ 1,447 $ - Fair Value Measurements at December 31, 2021 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (dollars in thousands) Balance 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 tables present the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan’s expected future cash flows, discounted at the loan’s effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the tables below. Carrying Value at December 31, 2022 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Mortgage loans on real estate: Construction $ 110 $ - $ - $ 110 Total $ 110 $ - $ - $ 110 Loans Loans held for sale $ 421 $ - $ 421 $ - Carrying Value at December 31, 2021 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans 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 quantitative information about Level 3 Fair Value Measurements as of December 31, 2022 and 2021, respectively: Quantitative Information About Level 3 Fair Value Measurements (dollars in thousands) Fair Value at December 31, 2022 Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Construction loans $ 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 December 31, 2022 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 19,250 $ 19,250 $ - $ - Securities available-for-sale 225,518 - 225,518 - Restricted securities 3,434 - 3,434 - Loans held for sale 421 - 421 - Loans, net of allowances for loan losses 1,016,559 - - 996,807 Derivatives Interest rate lock 23 - 23 - Interest rate swap on loans 1,447 - 1,447 - Bank owned life insurance 34,049 - 34,049 - Accrued interest receivable 4,253 - 4,253 - Liabilities Deposits $ 1,156,019 $ - $ 1,156,547 $ - Federal funds purchased 11,378 - 11,378 - Overnight repurchase agreements 4,987 - 4,987 - Federal Home Loan Bank advances 46,100 - 46,100 - Long term borrowings 29,538 - 25,539 - Derivatives Interest rate swap on loans 1,447 - 1,447 - Accrued interest payable 834 - 834 - Fair Value Measurements at December 31, 2021 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 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 -

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	The Bank’s actual capital amounts and ratios as of December 31, 2022 and 2021 are presented in the table below. 2022 2021 Regulatory Regulatory Minimums December 31, 2022 Minimums December 31, 2021 Common Equity Tier 1 Capital to Risk-Weighted Assets 4.500 % 10.80 % 4.500 % 12.57 % Tier 1 Capital to Risk-Weighted Assets 6.000 % 10.80 % 6.000 % 12.57 % Tier 1 Leverage to Average Assets 4.000 % 9.43 % 4.000 % 9.09 % Total Capital to Risk-Weighted Assets 8.000 % 11.70 % 8.000 % 13.61 % Capital Conservation Buffer 2.500 % 3.70 % 2.500 % 5.61 % Risk-Weighted Assets (in thousands) $ 1,177,600 $ 952,218

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Reconciliation of Assets and Revenues from Segment to Consolidated	Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: Year Ended December 31, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 47,963 $ 80 $ 10,873 $ (10,873 ) $ 48,043 Income from fiduciary activities - 4,097 - - 4,097 Other income 8,307 1,162 200 (261 ) 9,408 Total operating income 56,270 5,339 11,073 (11,134 ) 61,548 Expenses Interest expense 2,424 - 1,181 - 3,605 Provision for loan losses 1,706 - - - 1,706 Salaries and employee benefits 22,751 3,613 691 - 27,055 Other expenses 17,135 1,164 562 (261 ) 18,600 Total operating expenses 44,016 4,777 2,434 (261 ) 50,966 Income before taxes 12,254 562 8,639 (10,873 ) 10,582 Income tax expense (benefit) 1,822 121 (469 ) - 1,474 Net income $ 10,432 $ 441 $ 9,108 $ (10,873 ) $ 9,108 Capital expenditures $ 1,341 $ 13 $ - $ - $ 1,354 Total assets $ 1,347,151 $ 7,048 $ 128,849 $ (127,713 ) $ 1,355,335 Year Ended December 31, 2021 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 42,226 $ 26 $ 9,643 $ (9,643 ) $ 42,252 Income from fiduciary activities - 4,198 - - 4,198 Other income 9,681 1,067 201 (262 ) 10,687 Total operating income 51,907 5,291 9,844 (9,905 ) 57,137 Expenses Interest expense 2,909 - 549 - 3,458 Provision for loan losses 794 - - - 794 Salaries and employee benefits 21,682 3,012 667 - 25,361 Other expenses 16,412 1,131 507 (262 ) 17,788 Total operating expenses 41,797 4,143 1,723 (262 ) 47,401 Income before taxes 10,110 1,148 8,121 (9,643 ) 9,736 Income tax expense (benefit) 1,372 243 (319 ) - 1,296 Net income $ 8,738 $ 905 $ 8,440 $ (9,643 ) $ 8,440 Capital expenditures $ 1,473 $ 41 $ - $ - $ 1,514 Total assets $ 1,330,337 $ 7,227 $ 150,943 $ (150,352 ) $ 1,338,155

Condensed Financial Statement_2

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Statements of Parent Company [Abstract]
Balance Sheets	Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: Balance Sheets December 31, (dollars in thousands) 2022 2021 Assets Cash and cash equivalents $ 12,255 $ 20,012 Securities available-for-sale - - Investment in common stock of subsidiaries 115,303 130,123 Other assets 1,291 808 Total assets $ 128,849 $ 150,943 Liabilities and Stockholders’ Equity Other borrowings $ 29,538 $ 29,407 Other liability 577 718 Common stock 24,761 26,006 Additional paid-in capital 16,593 21,458 Retained earnings 78,147 71,679 Accumulated other comprehensive income (loss) (20,767 ) 1,675 Total liabilities and stockholders’ equity $ 128,849 $ 150,943
Statements of Income	Statements of Income Years Ended December 31, (dollars in thousands) 2022 2021 Income: Dividends from subsidiary $ 3,250 $ 3,975 Other income 200 201 Total income 3,450 4,176 Expenses: Salary and benefits 691 667 Subordinated debt 1,181 549 Legal expenses 298 274 Service fees 142 146 Other operating expenses 122 87 Total expenses 2,434 1,723 Income before income taxes and equity in undistributed net income of subsidiaries 1,016 2,453 Income tax benefit (469 ) (319 ) 1,485 2,772 Equity in undistributed net income of subsidiaries 7,623 5,668 Net income $ 9,108 $ 8,440
Statements of Cash Flows	Statements of Cash Flows Years Ended December 31, (dollars in thousands) 2022 2021 Cash flows from operating activities: Net income $ 9,108 $ 8,440 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (7,623 ) (5,668 ) Amortization of subordinated debt issuance costs 131 60 Stock compensation expense 37 32 Increase in other assets (104 ) (40 ) (Decrease) increase in other liabilities (140 ) 655 Net cash provided by operating activities 1,409 3,479 Cash flows from investing activities: Cash distributed to subsidiary - (10,000 ) Net cash used in investing activities - (10,000 ) Cash flows from financing activities: Proceeds from sale of stock 129 103 Proceeds from borrowings - 29,347 Repayment of borrowings - (1,350 ) Repurchase and retirement of common stock (6,655 ) (150 ) Cash dividends paid on common stock (2,640 ) (2,620 ) Net cash provided by (used in) financing activities (9,166 ) 25,330 Net increase (decrease) in cash and cash equivalents (7,757 ) 18,809 Cash and cash equivalents at beginning of year 20,012 1,203 Cash and cash equivalents at end of year $ 12,255 $ 20,012

Significant Accounting Polici_3

Significant Accounting Policies, The Company (Details)	Dec. 31, 2022 Branch Subsidiary
THE COMPANY [Abstract]
Number of wholly-owned subsidiaries | Subsidiary	2
Number of branch offices | Branch	14

Significant Accounting Polici_4

Significant Accounting Policies, Significant Group Concentrations of Credit Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 1,027,085	$ 843,526
Commercial Real Estate [Member] | Lender Concentration Risk [Member] | Commercial Real Estate and Other Customers [Member]
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK [Abstract]
Total loans, net of deferred fees	$ 534,500	$ 460,100
Percentage of concentration risk	52%	54.50%

Significant Accounting Polici_5

Significant Accounting Policies, Interest-bearing Deposits in Banks (Details)	12 Months Ended
	Dec. 31, 2022
INTEREST-BEARING DEPOSITS IN BANKS [Abstract]
Maturity period of interest bearing deposits	1 year

Significant Accounting Polici_6

Significant Accounting Policies, Paycheck Protection Program (Details) - PPP Loans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
PAYCHECK PROTECTION PROGRAM [Abstract]
Aggregate fees from SBA, net of direct cost	$ 4,700
Unrecognized fee amount	10
Recognized fee amount	$ 699	$ 3,200	$ 813
Minimum [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Percentage of fee received from Small Business Administration (SBA)	1%
Maximum [Member]
PAYCHECK PROTECTION PROGRAM [Abstract]
Percentage of fee received from Small Business Administration (SBA)	5%

Significant Accounting Polici_7

Significant Accounting Policies, Allowance for Loan Losses (Details)	Dec. 31, 2022 qtr Period	Dec. 31, 2021 qtr Period
ALLOWANCE FOR LOAN LOSSES [Abstract]
Number of migration periods | Period	8	8
Number of quarters remains on migration period | qtr	12	12

Significant Accounting Polici_8

Significant Accounting Policies, Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2022
Buildings and Equipment [Member] | Minimum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	3 years
Buildings and Equipment [Member] | Maximum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	39 years
Software [Member] | Minimum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	3 years
Software [Member] | Maximum [Member]
PREMISES AND EQUIPMENT [Abstract]
Estimated useful lives	5 years

Significant Accounting Polici_9

Significant Accounting Policies, Income Taxes (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
INCOME TAXES [Abstract]
Uncertain tax positions	$ 0	$ 0

Significant Accounting Polic_10

Significant Accounting Policies, Advertising Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
ADVERTISING EXPENSE [Abstract]
Advertising expense	$ 202	$ 217

Significant Accounting Polic_11

Significant Accounting Policies, Recent Significant Accounting Pronouncements (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Recent Significant Accounting Pronouncements [Abstract]
Retained earnings	$ 78,147	$ 71,679
Cumulative Effect, Adjustment [Member] | ASC 326 [Member] | Minimum [Member]
Recent Significant Accounting Pronouncements [Abstract]
Retained earnings	1,000
Cumulative Effect, Adjustment [Member] | ASC 326 [Member] | Maximum [Member]
Recent Significant Accounting Pronouncements [Abstract]
Retained earnings	$ 2,000

Securities Portfolio, Amortized

Securities Portfolio, Amortized Costs and Fair Values with Gross Unrealized Gains and Losses (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Security	Dec. 31, 2021 USD ($)
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 251,806	$ 232,200
Gross unrealized gains	10	3,632
Gross unrealized (losses)	(26,298)	(1,511)
Fair value	$ 225,518	234,321
Number of securities exceeding ten percent of stockholders' equity | Security	0
Collateral Pledged [Member]
Debt Securities, Available-for-sale [Abstract]
Securities pledged as collateral	$ 82,600	59,300
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	8,013	15,052
Gross unrealized gains	0	0
Gross unrealized (losses)	(342)	(148)
Fair value	7,671	14,904
Obligations of US Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	43,622	38,651
Gross unrealized gains	10	75
Gross unrealized (losses)	(1,233)	(168)
Fair value	42,399	38,558
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	70,491	64,132
Gross unrealized gains	0	1,948
Gross unrealized (losses)	(11,107)	(277)
Fair value	59,384	65,803
Mortgage-Backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	99,874	88,511
Gross unrealized gains	0	1,348
Gross unrealized (losses)	(10,961)	(801)
Fair value	88,913	89,058
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	1,816	2,413
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	1,816	2,413
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	27,990	23,441
Gross unrealized gains	0	261
Gross unrealized (losses)	(2,655)	(117)
Fair value	$ 25,335	$ 23,585

Securities Portfolio, Amortiz_2

Securities Portfolio, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 890
Due after one year through five years	19,927
Due after five through ten years	64,098
Due after ten years	165,075
Other securities, restricted	1,816
Amortized Cost	251,806	$ 232,200
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	872
Due after one year through five years	18,976
Due after five through ten years	56,164
Due after ten years	147,690
Other securities, restricted	1,816
Fair Value	$ 225,518	$ 234,321

Securities Portfolio, Net Reali

Securities Portfolio, Net Realized Losses on Sale of Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Securities Available-for-sale [Abstract]
Realized losses on sales of securities	$ (1,870)	$ 0
Net realized loss	$ (1,870)	$ 0

Securities Portfolio, Securitie

Securities Portfolio, Securities in an Unrealized Loss Position (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Security	Dec. 31, 2021 USD ($)
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than twelve months	$ 11,227	$ 1,281
More than twelve months	15,071	230
Total	26,298	1,511
Securities Available-for-Sale, Fair Value [Abstract]
Less than twelve months	120,887	100,473
More than twelve months	94,332	11,492
Total	$ 215,219	111,965
Securities Available-for-Sale, Number of Securities [Abstract]
Number of investments in and unrealized loss position | Security	162
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 twelve months	342	148
More than twelve months	0	0
Total	342	148
Securities Available-for-Sale, Fair Value [Abstract]
Less than twelve months	7,671	14,904
More than twelve months	0	0
Total	7,671	14,904
Obligations of U.S. Government Agencies [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than twelve months	258	131
More than twelve months	975	37
Total	1,233	168
Securities Available-for-Sale, Fair Value [Abstract]
Less than twelve months	13,873	19,181
More than twelve months	22,851	5,042
Total	36,724	24,223
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than twelve months	5,386	277
More than twelve months	5,721	0
Total	11,107	277
Securities Available-for-Sale, Fair Value [Abstract]
Less than twelve months	33,720	20,673
More than twelve months	23,856	0
Total	57,576	20,673
Mortgage-Backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than twelve months	4,157	608
More than twelve months	6,804	193
Total	10,961	801
Securities Available-for-Sale, Fair Value [Abstract]
Less than twelve months	52,717	35,882
More than twelve months	36,196	6,450
Total	88,913	42,332
Corporate Bonds and Other Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than twelve months	1,084	117
More than twelve months	1,571	0
Total	2,655	117
Securities Available-for-Sale, Fair Value [Abstract]
Less than twelve months	12,906	9,833
More than twelve months	11,429	0
Total	$ 24,335	$ 9,833

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses, Outstanding Loans By Segment Type (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		$ 1,027,085	$ 843,526
Less: Allowance for loan losses		10,526	9,865
Loans, net of allowance and deferred fees	[1]	1,016,559	833,661
Overdrawn accounts, excluding internal use accounts		269	304
Net deferred loan costs		1,000	1,300
Mortgage Loans on Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		766,898	647,411
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		169,248	130,776
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		429,863	382,603
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		184,586	198,413
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		245,277	184,190
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		26,675	19,050
Mortgage Loans on Real Estate [Member] | Construction [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		77,944	58,440
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		8,828	7,877
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		54,340	48,665
Commercial and Industrial Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		72,578	68,690
Consumer [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[2]	185,269	118,441
Consumer [Member] | Consumer Automobile Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		163,018	85,023
Consumer [Member] | Other Consumer Loans [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees		22,251	33,418
Other [Member]
Allowance for Doubtful Accounts Receivable [Roll Forward]
Total loans, net of deferred fees	[3]	$ 2,340	$ 8,984
[1]Net deferred loan costs totaled $1.0 million and $1.3 million at December 31, 2022 and December 31, 2021, respectively.[2]The consumer segment includes consumer automobile loans.[3]Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $269 thousand and $304 thousand at December 31, 2022 and 2021, respectively.

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Gross loans receivable		$ 1,027,085	$ 843,526
Pass [Member]
Receivables [Abstract]
Gross loans receivable		1,025,277	837,670
OAEM [Member]
Receivables [Abstract]
Gross loans receivable		285	1,440
Substandard [Member]
Receivables [Abstract]
Gross loans receivable		1,523	4,416
Loss [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Doubtful [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Gross loans receivable		766,898	647,411
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		765,514	642,005
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		285	1,440
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		1,099	3,966
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Gross loans receivable		169,248	130,776
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		169,094	130,584
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		154	192
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Receivables [Abstract]
Gross loans receivable		429,863	382,603
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Receivables [Abstract]
Gross loans receivable		184,586	198,413
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		184,301	195,512
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		285	788
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	2,113
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Receivables [Abstract]
Gross loans receivable		245,277	184,190
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		245,277	183,093
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	434
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	663
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Receivables [Abstract]
Gross loans receivable		26,675	19,050
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		26,675	19,050
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Gross loans receivable		77,944	58,440
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		76,999	57,224
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	218
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		945	998
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Gross loans receivable		8,828	7,877
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		8,828	7,877
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Receivables [Abstract]
Gross loans receivable		54,340	48,665
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		54,340	48,665
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Commercial and Industrial Loans [Member]
Receivables [Abstract]
Gross loans receivable		72,578	68,690
Commercial and Industrial Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		72,434	68,261
Commercial and Industrial Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Commercial and Industrial Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		144	429
Consumer [Member]
Receivables [Abstract]
Gross loans receivable	[1]	185,269	118,441
Consumer [Member] | Consumer Automobile Loans [Member]
Receivables [Abstract]
Gross loans receivable		163,018	85,023
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		162,738	85,002
Consumer [Member] | Consumer Automobile Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member] | Consumer Automobile Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		280	21
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Gross loans receivable		22,251	33,418
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		22,251	33,418
Consumer [Member] | Other Consumer Loans [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Consumer [Member] | Other Consumer Loans [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member]
Receivables [Abstract]
Gross loans receivable	[2]	2,340	8,984
Other [Member] | Pass [Member]
Receivables [Abstract]
Gross loans receivable		2,340	8,984
Other [Member] | OAEM [Member]
Receivables [Abstract]
Gross loans receivable		0	0
Other [Member] | Substandard [Member]
Receivables [Abstract]
Gross loans receivable		$ 0	$ 0
[1]The consumer segment includes consumer automobile loans.[2]Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $269 thousand and $304 thousand at December 31, 2022 and 2021, respectively.

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Loans, Aging [Abstract]
Total Loans		$ 1,027,085	$ 843,526
Nonaccrual	[1]	1,243	478
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		2,842	2,361
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		1,165	560
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		840	1,025
Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	1,020,995	839,102
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Total Loans		$ 38,000	$ 1,400
Guaranteed Student Loans [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97%	97%
Guaranteed Student Loans [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		98%	100%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Total Loans		$ 766,898	$ 647,411
Nonaccrual	[1]	1,099	304
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		591	195
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		288	0
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		525	0
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	764,395	646,912
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Total Loans		169,248	130,776
Nonaccrual	[1]	154	191
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		290	120
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		525	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	168,279	130,465
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Total Loans		184,586	198,413
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		20	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	184,566	198,413
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Total Loans		245,277	184,190
Nonaccrual	[1]	0	113
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		206	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	245,071	184,077
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Total Loans		26,675	19,050
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	26,675	19,050
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans, Aging [Abstract]
Total Loans		77,944	58,440
Nonaccrual	[1]	945	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	76,999	58,440
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Nonaccrual		945	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Total Loans		8,828	7,877
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		19	24
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	8,809	7,853
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Total Loans		54,340	48,665
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		56	51
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		288	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	53,996	48,614
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Total Loans		72,578	68,690
Nonaccrual	[1]	144	174
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		221	37
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		284	0
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		23	169
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	71,906	68,310
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Total Loans		163,018	85,023
Nonaccrual	[1]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		1,538	814
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		221	118
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		212	296
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	161,047	83,795
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Total Loans		22,251	33,418
Nonaccrual	[1]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		445	1,284
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		372	439
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		80	550
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	21,354	31,145
Other [Member]
Loans, Aging [Abstract]
Total Loans		2,340	8,984
Nonaccrual	[1]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		47	31
Other [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	3
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Loans		0	10
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Total Loans	[2]	$ 2,293	$ 8,940
[1]For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccrual column and not also in its respective past due column.[2]For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Nonaccrual Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	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
Consumer loans classified as a loss, past due threshold		120 days
Loans in nonaccrual status	[1]	$ 1,243	$ 478
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		111	11
Actual interest income recorded for the period		15	2
Reduction in interest income on non accrual loans		$ 96	9
Minimum [Member]
Loans in Nonaccrual Status by Class of Loan [Abstract]
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]	$ 1,099	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]	154	191
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]	0	113
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans in Nonaccrual Status by Class of Loan [Abstract]
Loans in nonaccrual status		945	0
Commercial and Industrial Loans [Member]
Loans in Nonaccrual Status by Class of Loan [Abstract]
Loans in nonaccrual status	[1]	$ 144	$ 174
[1]For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccrual column and not also in its respective past due column.

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Contract	Dec. 31, 2021 USD ($) Contract
Receivables [Abstract]
Number of Modifications | Contract	0	0
Outstanding commitments on TDR's	$ 0	$ 0
Defaulting TDR's within twelve months of restructuring	0	0
Residential 1-4 Family [Member]
Receivables [Abstract]
Loans in process for foreclosure	$ 0	$ 0

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Unpaid Principal Balance	$ 2,180	$ 1,367
Recorded Investment, Without Valuation Allowance	1,072	289
Recorded Investment, With Valuation Allowance	784	1,012
Associated Allowance	30	128
Average Recorded Investment	2,054	1,324
Interest Income Recognized	15	34
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	2,036	1,170
Recorded Investment, Without Valuation Allowance	928	282
Recorded Investment, With Valuation Allowance	784	838
Associated Allowance	30	41
Average Recorded Investment	1,910	1,135
Interest Income Recognized	10	17
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	285	353
Recorded Investment, Without Valuation Allowance	44	25
Recorded Investment, With Valuation Allowance	235	300
Associated Allowance	21	30
Average Recorded Investment	282	328
Interest Income Recognized	7	7
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	430	610
Recorded Investment, Without Valuation Allowance	55	178
Recorded Investment, With Valuation Allowance	358	413
Associated Allowance	3	8
Average Recorded Investment	420	601
Interest Income Recognized	0	1
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	1,321	80
Recorded Investment, Without Valuation Allowance	829	79
Recorded Investment, With Valuation Allowance	191	0
Associated Allowance	6	0
Average Recorded Investment	1,208	80
Interest Income Recognized	3	4
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Receivables [Abstract]
Unpaid Principal Balance		127
Recorded Investment, Without Valuation Allowance		0
Recorded Investment, With Valuation Allowance		125
Associated Allowance		3
Average Recorded Investment		126
Interest Income Recognized	0	5
Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	144	188
Recorded Investment, Without Valuation Allowance	144	0
Recorded Investment, With Valuation Allowance	0	174
Associated Allowance	0	87
Average Recorded Investment	144	181
Interest Income Recognized	$ 5	17
Consumer [Member] | Other Consumer Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance		9
Recorded Investment, Without Valuation Allowance		7
Recorded Investment, With Valuation Allowance		0
Associated Allowance		0
Average Recorded Investment		8
Interest Income Recognized		$ 0

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses, Allowance for Loan Losses (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		$ 9,865	$ 9,541
Charge-offs		(2,022)	(1,119)
Recoveries		977	649
Provision for loan losses		1,706	794
Ending balance		10,526	9,865
Individually evaluated for impairment		30	128
Collectively evaluated for impairment		10,496	9,737
Ending balance		10,526	9,865
Loans Balances [Abstract]
Individually evaluated for impairment		1,856	1,301
Collectively evaluated for impairment		1,025,229	842,225
Ending balance		1,027,085	843,526
Commercial and Industrial Loans [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		683	650
Charge-offs		(297)	(27)
Recoveries		134	41
Provision for loan losses		153	19
Ending balance		673	683
Individually evaluated for impairment		0	87
Collectively evaluated for impairment		673	596
Ending balance		673	683
Loans Balances [Abstract]
Individually evaluated for impairment		144	174
Collectively evaluated for impairment		72,434	68,516
Ending balance		72,578	68,690
Real Estate [Member]
Loans Balances [Abstract]
Ending balance		766,898	647,411
Real Estate [Member] | Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		459	339
Charge-offs		0	0
Recoveries		0	0
Provision for loan losses		93	120
Ending balance		552	459
Individually evaluated for impairment		6	0
Collectively evaluated for impairment		546	459
Ending balance		552	459
Loans Balances [Abstract]
Individually evaluated for impairment		1,020	79
Collectively evaluated for impairment		76,924	58,361
Ending balance		77,944	58,440
Real Estate [Member] | Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[1]	2,390	2,560
Charge-offs	[1]	(25)	(14)
Recoveries	[1]	61	76
Provision for loan losses	[1]	149	(232)
Ending balance	[1]	2,575	2,390
Individually evaluated for impairment	[1]	21	33
Collectively evaluated for impairment	[1]	2,554	2,357
Ending balance	[1]	2,575	2,390
Loans Balances [Abstract]
Individually evaluated for impairment	[1]	279	450
Collectively evaluated for impairment	[1]	258,812	205,918
Ending balance	[1]	259,091	206,368
Real Estate [Member] | Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		4,787	4,434
Charge-offs		0	0
Recoveries		22	44
Provision for loan losses		(310)	309
Ending balance		4,499	4,787
Individually evaluated for impairment		3	8
Collectively evaluated for impairment		4,496	4,779
Ending balance		4,499	4,787
Loans Balances [Abstract]
Individually evaluated for impairment		413	591
Collectively evaluated for impairment		429,450	382,012
Ending balance		429,863	382,603
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	[2]	1,362	1,302
Charge-offs	[2]	(1,368)	(800)
Recoveries	[2]	648	390
Provision for loan losses	[2]	1,423	470
Ending balance	[2]	2,065	1,362
Individually evaluated for impairment	[2]	0	0
Collectively evaluated for impairment	[2]	2,065	1,362
Ending balance	[2]	2,065	1,362
Loans Balances [Abstract]
Individually evaluated for impairment	[2]	0	7
Collectively evaluated for impairment	[2]	185,269	118,434
Ending balance	[2]	185,269	118,441
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		184	123
Charge-offs		(332)	(278)
Recoveries		112	98
Provision for loan losses		192	241
Ending balance		156	184
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		156	184
Ending balance		156	184
Loans Balances [Abstract]
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		2,340	8,984
Ending balance	[3]	2,340	8,984
Unallocated [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance		0	133
Charge-offs		0	0
Recoveries		0	0
Provision for loan losses		6	(133)
Ending balance		6	0
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		6	0
Ending balance		6	0
Loans Balances [Abstract]
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		0	0
Ending balance		$ 0	$ 0
[1]The real estate – mortgage segment included residential 1-4 family, second mortgages and equity lines of credit.[2]The consumer segment includes consumer automobile loans.[3]Overdrawn accounts are reclassified as loans and included in the Other catergory in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $269 thousand and $304 thousand at December 31, 2022 and 2021, respectively.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 65,581	$ 66,825
Less accumulated depreciation and amortization	34,573	34,691
Balance at end of year	31,008	32,134
Depreciation expense	2,073	2,091
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	7,062	7,270
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	34,187	36,418
Construction in Process [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	335	279
Leasehold Improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	1,130	867
Furniture, Fixtures and Equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 22,867	$ 21,991

Leases, Information About Lease

Leases, Information About Leases (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Information about Leases [Abstract]
Lease liabilities	$ 1,632
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities
Right-of-use assets	$ 1,579
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets
Weighted average remaining lease term	4 years 2 months 26 days
Weighted average discount rate	2.87%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Lease cost [Abstract]
Operating lease cost	$ 349	$ 347
Total lease cost	349	347
Cash paid for amounts included in the measurement of lease liabilities	$ 344	$ 351

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Lease payments due [Abstract]
Twelve months ending December 31, 2023	$ 418
Twelve months ending December 31, 2024	436
Twelve months ending December 31, 2025	395
Twelve months ending December 31, 2026	278
Thereafter	231
Total undiscounted cash flows	1,758
Discount	(126)
Lease liabilities	1,632
Rental expense of premises and equipment	$ 415	$ 470

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2022 USD ($) Fund	Dec. 31, 2021 USD ($) Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4	4
Low-income housing investment		$ 1,400	$ 1,900
Additional committed capital calls expected		0	0
Amortization expense		425	410
Tax credits and other benefits [Abstract]
Amortization of operating losses		425	410
Tax benefit of operating losses	[1]	89	86
Tax credits		349	361
Total tax benefits		$ 438	$ 447
Effective income tax rate		21%
[1]Computed using a 21% tax rate.

Deposits (Details)

Deposits (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Customer	Dec. 31, 2021 USD ($)
Deposits [Abstract]
Time deposits threshold	$ 250	$ 250
Aggregate amount of time deposits in denominations of $250 thousand or more	$ 47,300	39,900
Number of single customer relationships that exceeded deposit limit | Customer	0
Percentage of total deposits	5%
Maturities of time deposits [Abstract]
2023	$ 84,075
2024	46,425
2025	9,056
2026	5,471
2027	7,883
Balance at end of year	$ 152,910	$ 169,118

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		12 Months Ended
	Jul. 14, 2021	Dec. 31, 2022	Dec. 31, 2021
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 115,000	$ 115,000
Available credit with FHLB		346,500	391,300
Short-Term Borrowings [Abstract]
Federal funds purchased		11,378	0
Overnight repurchase agreements		4,987	4,536
Federal Home Loan Bank advances		46,100	0
Total short-term borrowings		62,465	4,536
Maximum month-end outstanding balance		62,465	12,239
Average outstanding balance during the period		$ 11,776	$ 7,293
Average interest rate (year-to-date)		2.34%	0.10%
Average interest rate at end of period		4.58%	0.10%
Long-Term Borrowings [Abstract]
Federal Reserve Bank borrowings		$ 0	$ 480
Maximum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period		4 days
Minimum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period		1 day
Paycheck Protection Program Liquidity Facility [Member]
Long-Term Borrowings [Abstract]
Federal Reserve Bank borrowings			$ 480
The Notes [Member] | Subordinated Debt [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 Debt [Member] | SOFR [Member]
Long-Term Borrowings [Abstract]
Term of variable rate		3 months
Debt instrument, basis spread on variable rate	2.86%

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 416	$ 294
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	38,435
Issued (in shares)	21,706
Vested (in shares)	(13,152)
Forfeited (in shares)	0
Nonvested balance at end of period (in shares)	46,989	38,435
Weighted Average Grant Date Fair Value [Abstract]
Nonvested balance at beginning of period (in dollars per share)	$ 20.49
Issued (in dollars per share)	25.7
Vested (in dollars per share)	21.93
Forfeited (in dollars per share)	0
Nonvested balance at end of period (in dollars per share)	$ 22.49	$ 20.49
Weighted-average remaining vesting period for recognition	1 year 5 months 8 days
Fair value of restricted stock granted	$ 558	$ 403
Unrecognized stock-based compensation expense	$ 493	$ 351
2016 Stock Incentive Plan [Member]
Incentive Stock Plan [Abstract]
Shares available for grant (in shares)	300,000
ESPP [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase		5%
Total stock purchases under the plan (in shares)	5,765	4,908
Shares reserved for issuance (in shares)	221,778
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 Common Share, Amounts Reclassified Out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale securities [Abstract]
Realized loss on sale of securities	$ (1,870)	$ 0
Tax effect	(393)	0
Total	$ (1,477)	$ 0

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Stockholders Equity Note [Abstract]
Beginning Balance	$ 120,818	$ 117,145
Ending Balance	98,734	120,818
Other comprehensive income, pretax [Abstract]
Unrealized holding losses arising during the period, pretax	(30,382)	(3,030)
Reclassification adjustment for losses recognized in income, pretax	1,870	0
Total change in accumulated other comprehensive income, net, pretax	(28,512)	(3,030)
Other Comprehensive Income, Tax Effect [Abstract]
Unrealized holding losses arising during the period, tax effect	6,463	(636)
Reclassification adjustment for losses recognized in income, tax effect	(393)	0
Total change in accumulated other comprehensive income, net, tax effect	6,070	(636)
Other Comprehensive Income, Net of Tax [Abstract]
Unrealized holding losses arising during the period, net of tax	(23,919)	(2,394)
Reclassification adjustment for losses recognized in income, net of tax	1,477	0
Other comprehensive loss, net of tax	(22,442)	(2,394)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	1,675	4,069
Net other comprehensive loss	(22,442)	(2,394)
Ending Balance	(20,767)	1,675
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	1,675	4,069
Net other comprehensive loss	(22,442)	(2,394)
Ending Balance	(20,767)	1,675
Other Comprehensive Income, Net of Tax [Abstract]
Other comprehensive loss, net of tax	$ (22,442)	$ (2,394)

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 9,108	$ 8,440
Net Income Available to Common Stockholders, Diluted	$ 9,108	$ 8,440
Weighted Average Common Shares, Basic (in shares)	5,071,130	5,238,318
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0
Weighted Average Common Shares, Diluted (in shares)	5,071,169	5,238,352
Earnings Per Share, Basic (in dollars per share)	$ 1.8	$ 1.61
Earnings Per Share, Diluted (in dollars per share)	$ 1.8	$ 1.61
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related Party Transactions [Abstract]
Direct or indirect loans to principal shareholders, executive officers or directors, maximum	10%
Schedule of Annual activity [Roll Forward]
Balance, beginning of year	$ 1,889	$ 4,220
Additions	1,092	1,822
Reductions	(257)	(4,153)
Balance, end of year	2,724	1,889
Deposits from related parties	$ 24,500	$ 19,800

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Components of income tax expense [Abstract]
Current income tax expense	$ 1,525	$ 1,021
Deferred income tax (benefit) expense	(51)	275
Reported tax expense	1,474	1,296
Reconciliation of expected federal income tax expense [Abstract]
Expected tax expense	2,222	2,045
Low-income housing tax credit	(349)	(361)
Tax-exempt interest, net	(220)	(192)
Bank-owned life insurance	(191)	(213)
Other, net	12	17
Reported tax expense	$ 1,474	$ 1,296
Effective Income Tax Rate Reconciliation [Abstract]
Effective tax rate	13.90%	13.30%
Deferred tax assets [Abstract]
Allowance for loan losses	$ 2,211	$ 2,072
Nonaccrual loans	9	10
Acquisition accounting	0	5
Net operating losses	574	609
Investments in pass-through entities	320	267
Securities available-for-sale	5,520	0
Stock awards	117	116
Other accrued compensation	498	386
Deferred loan fees and costs	217	270
Lease liability	343	219
Other	11	61
Total	9,820	4,015
Deferred tax liabilities [Abstract]
Premises and equipment	606	481
Acquisition accounting	49	58
Right of use asset	332	214
Securities available-for-sale	0	445
Total	987	1,198
Net deferred tax assets	$ 8,833	$ 2,817

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 206,571	$ 167,129
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	87,722	71,751
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	67,107	42,683
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	51,742	52,695
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 904	$ 3,617
Standby Letters of Credit [Member]
Commitments to extend credit [Abstract]
Typical expiration period	1 year

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) $ in Thousands	Dec. 31, 2022 USD ($) Model	Dec. 31, 2021 USD ($)
Fair Value Measurements [Abstract]
Number of models used for estimating fair value of assets and liabilities | Model	2
Assets [Abstract]
Securities available-for-sale	$ 225,518	$ 234,321
Derivative [Abstract]
Loans held for sale	421	3,287
U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	7,671	14,904
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	42,399	38,558
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	59,384	65,803
Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	88,913	89,058
Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	1,816	2,413
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	23	43
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,447	181
Derivative [Abstract]
Derivative Liabilities	1,447	181
Recurring [Member]
Assets [Abstract]
Securities available-for-sale	225,518	234,321
Derivatives [Abstract]
Total assets	226,988	234,545
Derivative [Abstract]
Total liabilities	1,447	181
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	7,671	14,904
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	42,399	38,558
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	59,384	65,803
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	88,913	89,058
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	1,816	2,413
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	25,335	23,585
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	23	43
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,447	181
Derivative [Abstract]
Derivative Liabilities	1,447	181
Nonrecurring [Member]
Derivative [Abstract]
Impaired loans	110	87
Loans held for sale	421	3,287
Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans	110
Nonrecurring [Member] | Commercial and Industrial [Member]
Derivative [Abstract]
Impaired loans		87
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
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]
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]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	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 and Industrial [Member]
Derivative [Abstract]
Impaired loans		0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Securities available-for-sale	225,518	234,321
Derivative [Abstract]
Loans held for sale	421	3,287
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	23	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,447	181
Derivative [Abstract]
Derivative Liabilities	1,447	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets [Abstract]
Securities available-for-sale	225,518	234,321
Derivatives [Abstract]
Total assets	226,988	234,545
Derivative [Abstract]
Total liabilities	1,447	181
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	7,671	14,904
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	42,399	38,558
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	59,384	65,803
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	88,913	89,058
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	1,816	2,413
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	25,335	23,585
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	23	43
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,447	181
Derivative [Abstract]
Derivative Liabilities	1,447	181
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans	0	0
Loans held for sale	421	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 and Industrial [Member]
Derivative [Abstract]
Impaired loans		0
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
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]
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]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	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 and Industrial [Member]
Derivative [Abstract]
Impaired loans		$ 87

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Market Comparables [Member] $ in Thousands	Dec. 31, 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
Nonrecurring [Member] | Construction [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Fair Value	$ 110
Nonrecurring [Member] | Commercial Loan [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Fair Value		$ 87

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Value and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and cash equivalents	$ 19,250	$ 187,922
Securities available-for-sale	225,518	234,321
Restricted securities	3,434	1,034
Loans held for sale	421	3,287
Loans, net of allowances for loan losses	1,016,559	833,661
Bank owned life insurance	34,049	28,168
Accrued interest receivable	4,253	3,339
Liabilities [Abstract]
Deposits	1,156,019	1,177,099
Federal funds purchased	11,378
Overnight repurchase agreements	4,987	4,536
Federal Home Loan Bank advances	46,100	480
Long term borrowings	29,538	29,407
Accrued interest payable	834	693
Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	23	43
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,447	181
Liabilities [Abstract]
Derivative	1,447	181
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	19,250	187,922
Securities available-for-sale	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Federal funds purchased	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0	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	225,518	234,321
Restricted securities	3,434	1,034
Loans held for sale	421	3,287
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	34,049	28,168
Accrued interest receivable	4,253	3,339
Liabilities [Abstract]
Deposits	1,156,547	1,179,631
Federal funds purchased	11,378
Overnight repurchase agreements	4,987	4,536
Federal Home Loan Bank advances	46,100	480
Long term borrowings	25,539	29,657
Accrued interest payable	834	693
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	23	43
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,447	181
Liabilities [Abstract]
Derivative	1,447	181
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net of allowances for loan losses	996,807	834,693
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Federal funds purchased	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0	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

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Common Equity Tier 1 Capital to Risk-Weighted Assets, Regulatory Minimums	0.045	0.045
Common Equity Tier 1 Capital to Risk-Weighted Assets, Ratio	0.108	0.1257
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Tier 1 Capital to Risk-Weighted Assets, Regulatory Minimums	0.06	0.06
Tier 1 Capital to Risk-Weighted Assets, Ratio	0.108	0.1257
Tier 1 Capital to Average Assets, Ratio [Abstract]
Tier 1 Leverage to Average Assets, Regulatory Minimums	0.04	0.04
Tier 1 Leverage to Average Assets, Ratio	0.0943	0.0909
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Total Capital to Risk-Weighted Assets, Regulatory Minimums	0.08	0.08
Total Capital to Risk-Weighted Assets, Ratio	0.117	0.1361
Capital Conservation Buffer, Ratio [Abstract]
Capital Conservation Buffer, Regulatory Minimums	0.025	0.025
Capital Conservation Buffer, Ratio	0.037	0.0561
Risk Weighted Assets	$ 1,177,600	$ 952,218
Amount available for dividend distribution without prior approval from regulatory agency	$ 13,300

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Segment Area	Dec. 31, 2021 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment	3
Revenues [Abstract]
Interest and dividend income	$ 48,043	$ 42,252
Total operating income	61,548	57,137
Expenses [Abstract]
Interest expense	3,605	3,458
Provision for loan losses	1,706	794
Salaries and employee benefits	27,055	25,361
Other expenses	18,600	17,788
Total operating expenses	50,966	47,401
Income before income taxes	10,582	9,736
Income tax expense (benefit)	1,474	1,296
Net income	9,108	8,440
Capital expenditures	1,354	1,514
Total assets	$ 1,355,335	1,338,155
Number of geographical areas in which an entity operates | Area	1
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	$ 4,097	4,198
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	9,408	10,687
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	47,963	42,226
Total operating income	56,270	51,907
Expenses [Abstract]
Interest expense	2,424	2,909
Provision for loan losses	1,706	794
Salaries and employee benefits	22,751	21,682
Other expenses	17,135	16,412
Total operating expenses	44,016	41,797
Income before income taxes	12,254	10,110
Income tax expense (benefit)	1,822	1,372
Net income	10,432	8,738
Capital expenditures	1,341	1,473
Total assets	1,347,151	1,330,337
Operating Segments [Member] | Bank [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Bank [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	8,307	9,681
Operating Segments [Member] | Trust [Member]
Revenues [Abstract]
Interest and dividend income	80	26
Total operating income	5,339	5,291
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	3,613	3,012
Other expenses	1,164	1,131
Total operating expenses	4,777	4,143
Income before income taxes	562	1,148
Income tax expense (benefit)	121	243
Net income	441	905
Capital expenditures	13	41
Total assets	7,048	7,227
Operating Segments [Member] | Trust [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	4,097	4,198
Operating Segments [Member] | Trust [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	1,162	1,067
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	10,873	9,643
Total operating income	11,073	9,844
Expenses [Abstract]
Interest expense	1,181	549
Provision for loan losses	0	0
Salaries and employee benefits	691	667
Other expenses	562	507
Total operating expenses	2,434	1,723
Income before income taxes	8,639	8,121
Income tax expense (benefit)	(469)	(319)
Net income	9,108	8,440
Capital expenditures	0	0
Total assets	128,849	150,943
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	200	201
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(10,873)	(9,643)
Total operating income	(11,134)	(9,905)
Expenses [Abstract]
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(261)	(262)
Total operating expenses	(261)	(262)
Income before income taxes	(10,873)	(9,643)
Income tax expense (benefit)	0	0
Net income	(10,873)	(9,643)
Capital expenditures	0	0
Total assets	(127,713)	(150,352)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (261)	$ (262)

Condensed Financial Statement_3

Condensed Financial Statements of Parent Company, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and cash equivalents	$ 19,250	$ 187,922
Securities available-for-sale	225,518	234,321
Other assets	22,228	14,832
Total assets	1,355,335	1,338,155
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	29,538	29,407
Other liability	8,579	5,815
Common stock	24,761	26,006
Additional paid-in capital	16,593	21,458
Retained earnings	78,147	71,679
Accumulated other comprehensive income (loss)	(20,767)	1,675
Total liabilities and stockholders' equity	1,355,335	1,338,155
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	12,255	20,012
Securities available-for-sale	0	0
Investment in common stock of subsidiaries	115,303	130,123
Other assets	1,291	808
Total assets	128,849	150,943
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	29,538	29,407
Other liability	577	718
Common stock	24,761	26,006
Additional paid-in capital	16,593	21,458
Retained earnings	78,147	71,679
Accumulated other comprehensive income (loss)	(20,767)	1,675
Total liabilities and stockholders' equity	$ 128,849	$ 150,943

Condensed Financial Statement_4

Condensed Financial Statements of Parent Company, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income [Abstract]
Other income	$ 87	$ 70
Total interest and dividend income	48,043	42,252
Expenses [Abstract]
Salary and benefits	27,055	25,361
Legal expenses	2,673	2,521
Other operating expenses	3,729	3,629
Total noninterest expense	45,655	43,149
Income before income taxes	10,582	9,736
Income tax benefit	1,474	1,296
Net income	9,108	8,440
Parent Company [Member]
Income [Abstract]
Dividends from subsidiary	3,250	3,975
Other income	200	201
Total interest and dividend income	3,450	4,176
Expenses [Abstract]
Salary and benefits	691	667
Subordinated debt	1,181	549
Legal expenses	298	274
Service fees	142	146
Other operating expenses	122	87
Total noninterest expense	2,434	1,723
Income before income taxes	1,016	2,453
Income tax benefit	(469)	(319)
Net income before equity in undistributed net income of subsidiaries	1,485	2,772
Equity in undistributed net income of subsidiaries	7,623	5,668
Net income	$ 9,108	$ 8,440

Condensed Financial Statement_5

Condensed Financial Statements of Parent Company, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities [Abstract]
Net income	$ 9,108	$ 8,440
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Amortization of subordinated debt issuance costs	131	60
Stock compensation expense	416	294
Increase in other assets	(1,371)	(748)
Net cash provided by operating activities	17,565	23,176
Cash flows from investing activities [Abstract]
Net cash used in investing activities	(213,440)	(60,731)
Cash flows from financing activities [Abstract]
Repurchase and retirement of common stock	(6,655)	(150)
Cash dividends paid on common stock	(2,640)	(2,620)
Net cash provided by financing activities	27,203	105,040
Net (decrease) increase in cash and cash equivalents	(168,672)	67,485
Cash and cash equivalents at beginning of period	187,922	120,437
Cash and cash equivalents at end of period	19,250	187,922
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income	9,108	8,440
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed net income of subsidiaries	(7,623)	(5,668)
Amortization of subordinated debt issuance costs	131	60
Stock compensation expense	37	32
Increase in other assets	(104)	(40)
(Decrease) increase in other liabilities	(140)	655
Net cash provided by operating activities	1,409	3,479
Cash flows from investing activities [Abstract]
Cash distributed to subsidiary	0	(10,000)
Net cash used in investing activities	0	(10,000)
Cash flows from financing activities [Abstract]
Proceeds from sale of stock	129	103
Proceeds from borrowings	0	29,347
Repayment of borrowings	0	(1,350)
Repurchase and retirement of common stock	(6,655)	(150)
Cash dividends paid on common stock	(2,640)	(2,620)
Net cash provided by financing activities	(9,166)	25,330
Net (decrease) increase in cash and cash equivalents	(7,757)	18,809
Cash and cash equivalents at beginning of period	20,012	1,203
Cash and cash equivalents at end of period	$ 12,255	$ 20,012