Old Point Financial (OPOF) 10-Q 14 Aug 23 2023 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2023	Aug. 01, 2023
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2023
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q2
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value
Trading Symbol	OPOF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,037,275

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 21,262	$ 15,670
Interest-bearing due from banks	32,092	3,580
Federal funds sold	809	0
Cash and cash equivalents	54,163	19,250
Securities available-for-sale, at fair value	210,561	225,518
Restricted securities, at cost	4,559	3,434
Loans held for sale	1,017	421
Loans, net	1,082,965	1,016,559
Premises and equipment, net	30,403	31,008
Premises and equipment, held for sale	344	987
Bank-owned life insurance	34,563	34,049
Goodwill	1,650	1,650
Core deposit intangible, net	209	231
Other assets	22,625	22,228
Total assets	1,443,059	1,355,335
Deposits:
Noninterest-bearing deposits	344,696	418,582
Savings deposits	626,285	584,527
Time deposits	257,734	152,910
Total deposits	1,228,715	1,156,019
Overnight repurchase agreements	4,500	4,987
Federal funds purchased and other short-term borrowings	0	11,378
Federal Home Loan Bank advances	69,450	46,100
Long term borrowings	29,603	29,538
Accrued expenses and other liabilities	8,249	8,579
Total liabilities	1,340,517	1,256,601
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,037,275 and 4,999,083 shares outstanding (includes 59,999 and 46,989 of nonvested restricted stock, respectively)	24,886	24,761
Additional paid-in capital	16,777	16,593
Retained earnings	80,636	78,147
Accumulated other comprehensive loss, net	(19,757)	(20,767)
Total stockholders' equity	102,542	98,734
Total liabilities and stockholders' equity	$ 1,443,059	$ 1,355,335

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 2023	Dec. 31, 2022
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares outstanding (in shares)	5,037,275	4,999,083
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	59,999	46,989

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest and Dividend Income:
Loans, including fees	$ 14,185	$ 9,483	$ 27,226	$ 18,667
Due from banks	93	208	157	281
Federal funds sold	9	6	15	7
Securities:
Taxable	1,772	1,123	3,536	2,112
Tax-exempt	209	251	421	460
Dividends and interest on all other securities	79	14	145	28
Total interest and dividend income	16,347	11,085	31,500	21,555
Interest Expense:
Checking and savings deposits	1,569	148	2,423	324
Time deposits	1,419	320	1,956	681
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	2	1	39	2
Federal Home Loan Bank advances	963	0	1,580	0
Long term borrowings	295	295	590	590
Total interest expense	4,248	764	6,588	1,597
Net interest income	12,099	10,321	24,912	19,958
Provision for credit losses	361	570	737	671
Net interest income after provision for credit losses	11,738	9,751	24,175	19,287
Noninterest Income:
Bank-owned life insurance income	259	195	513	426
Mortgage banking income	112	113	207	333
Loss on sale of available-for-sale securities, net	(164)	0	(164)	0
Loss on sale of repossessed assets	(69)	0	(69)	0
Gain on sale of fixed assets	200	0	200	0
Total noninterest income	3,477	3,500	6,898	7,015
Noninterest Expense:
Salaries and employee benefits	8,043	6,611	15,406	13,033
Occupancy and equipment	1,255	1,143	2,450	2,304
Data processing	1,264	1,151	2,443	2,241
Customer development	101	69	214	162
Professional services	756	638	1,429	1,268
Employee professional development	289	275	523	539
Other taxes	234	212	447	425
ATM and other losses	154	100	409	114
Other operating expenses	1,051	891	1,994	1,717
Total noninterest expense	13,147	11,090	25,315	21,803
Income before income taxes	2,068	2,161	5,758	4,499
Income tax expense	266	269	873	576
Net income	$ 1,802	$ 1,892	$ 4,885	$ 3,923
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,023,305	5,086,957	5,011,481	5,136,380
Net income per share of common stock (in dollars per share)	$ 0.36	$ 0.37	$ 0.97	$ 0.76
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,023,603	5,087,038	5,011,697	5,136,459
Net income per share of common stock (in dollars per share)	$ 0.36	$ 0.37	$ 0.97	$ 0.76
Fiduciary and Asset Management Fees [Member]
Noninterest Income:
Noninterest revenue	$ 1,154	$ 1,061	$ 2,270	$ 2,133
Service Charges on Deposit Accounts [Member]
Noninterest Income:
Noninterest revenue	793	761	1,546	1,483
Other Service Charges, Commissions and Fees [Member]
Noninterest Income:
Noninterest revenue	1,027	1,143	2,136	2,196
Other Operating Income [Member]
Noninterest Income:
Noninterest revenue	$ 165	$ 227	$ 259	$ 444

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net income	$ 1,802	$ 1,892	$ 4,885	$ 3,923
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	(1,452)	(6,392)	880	(17,525)
Reclassification for loss included in net income	130	0	130	0
Other comprehensive income (loss), net of tax	(1,322)	(6,392)	1,010	(17,525)
Comprehensive income (loss)	$ 480	$ (4,500)	$ 5,895	$ (13,602)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Common Stock [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Additional Paid-in Capital [Member]	Additional Paid-in Capital [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Retained Earnings [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Accumulated Other Comprehensive Income (Loss) [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning Balance at Dec. 31, 2021	$ 26,006		$ 21,458		$ 71,679		$ 1,675		$ 120,818
Beginning Balance (in shares) at Dec. 31, 2021	5,201,272
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		3,923		0		3,923
Other comprehensive income (loss), net of tax	0		0		0		(17,525)		(17,525)
Employee Stock Purchase Plan share issuance	$ 14		52		0		0		66
Employee Stock Purchase Plan share issuance (in shares)	2,815
Common stock purchased	$ (995)		(3,975)		0		0		(4,970)
Common stock purchased (in shares)	(199,095)
Restricted stock vested	$ 66		(66)		0		0		0
Restricted stock vested (in shares)	13,152
Stock-based compensation expense	$ 0		174		0		0		174
Cash dividends	0		0		(1,336)		0		(1,336)
Ending Balance at Jun. 30, 2022	$ 25,091		17,643		74,266		(15,850)		101,150
Ending Balance (in shares) at Jun. 30, 2022	5,018,144
Beginning Balance at Mar. 31, 2022	$ 25,439		19,082		73,036		(9,458)		108,099
Beginning Balance (in shares) at Mar. 31, 2022	5,087,910
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		1,892		0		1,892
Other comprehensive income (loss), net of tax	0		0		0		(6,392)		(6,392)
Employee Stock Purchase Plan share issuance	$ 7		25		0		0		32
Employee Stock Purchase Plan share issuance (in shares)	1,334
Common stock purchased	$ (380)		(1,542)		0		0		(1,922)
Common stock purchased (in shares)	(76,100)
Restricted stock vested	$ 25		(25)		0		0		0
Restricted stock vested (in shares)	5,000
Stock-based compensation expense	$ 0		103		0		0		103
Cash dividends	0		0		(662)		0		(662)
Ending Balance at Jun. 30, 2022	$ 25,091		17,643		74,266		(15,850)		101,150
Ending Balance (in shares) at Jun. 30, 2022	5,018,144
Beginning Balance at Dec. 31, 2022	$ 24,761		16,593		78,147		(20,767)		$ 98,734
Beginning Balance (ASC 326 [Member]) at Dec. 31, 2022		$ 0		$ 0		$ (991)		$ 0		$ (991)
Beginning Balance (in shares) at Dec. 31, 2022	4,952,094								4,999,083
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		4,885		0		$ 4,885
Other comprehensive income (loss), net of tax	0		0		0		1,010		1,010
Employee Stock Purchase Plan share issuance	$ 15		46		0		0		61
Employee Stock Purchase Plan share issuance (in shares)	3,179
Restricted stock vested	$ 110		(110)		0		0		0
Restricted stock vested (in shares)	22,003
Stock-based compensation expense	$ 0		248		0		0		248
Cash dividends	0		0		(1,405)		0		(1,405)
Ending Balance at Jun. 30, 2023	$ 24,886		16,777		80,636		(19,757)		$ 102,542
Ending Balance (in shares) at Jun. 30, 2023	4,977,276								5,037,275
Beginning Balance at Mar. 31, 2023	$ 24,767		16,727		79,539		(18,435)		$ 102,598
Beginning Balance (in shares) at Mar. 31, 2023	4,953,342
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]						ASC 326 [Member]
Net income	$ 0		0		1,802		0		1,802
Other comprehensive income (loss), net of tax	0		0		0		(1,322)		(1,322)
Employee Stock Purchase Plan share issuance	$ 9		19		0		0		28
Employee Stock Purchase Plan share issuance (in shares)	1,931
Restricted stock vested	$ 110		(110)		0		0		0
Restricted stock vested (in shares)	22,003
Stock-based compensation expense	$ 0		141		0		0		141
Cash dividends	0		0		(705)		0		(705)
Ending Balance at Jun. 30, 2023	$ 24,886		$ 16,777		$ 80,636		$ (19,757)		$ 102,542
Ending Balance (in shares) at Jun. 30, 2023	4,977,276								5,037,275

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.14	$ 0.13	$ 0.28	$ 0.26

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 4,885	$ 3,923
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,092	1,013
Amortization of right of use lease asset	202	159
Accretion related to acquisition, net	22	(1)
Amortization of subordinated debt issuance costs	65	65
Provision for credit losses	737	671
Loss on sale of securities, net	164	0
Net amortization of securities	383	616
(Increase) Decrease in loans held for sale, net	(596)	1,962
Net gain on disposal of premises and equipment	(200)	0
Net gain on write-down/sale of repossessed assets	69	0
Income from bank owned life insurance	(513)	(426)
Stock compensation expense	248	174
(Increase) decrease in other assets	(938)	800
(Decrease) increase in accrued expenses and other liabilities	(540)	1,069
Net cash provided by operating activities	5,080	10,025
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(2,367)	(41,537)
Purchase of redemption of restricted securities, net	(1,125)	(355)
Proceeds from maturities and calls of available-for-sale securities	0	1,200
Proceeds from sales of available-for-sale securities	10,438	3,200
Paydowns on available-for-sale securities	7,618	9,302
Net increase in loans held for investment	(67,920)	(71,363)
Purchases of premises and equipment	(487)	(601)
Proceeds from sale of premises and equipment	839	0
Net cash used in investing activities	(53,004)	(100,154)
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease) increase in noninterest-bearing deposits	(73,886)	12,718
Increase (decrease) in savings deposits	41,758	(6,411)
Increase (decrease) in time deposits	104,824	(10,412)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(11,865)	(152)
Increase in Federal Home Loan Bank advances	307,850	0
Repayment of Federal Home Loan Bank advances	(284,500)	0
Repayment of Federal Reserve Bank borrowings	0	(480)
Proceeds from ESPP issuance	61	66
Repurchase of common stock	0	(4,970)
Cash dividends paid on common stock	(1,405)	(1,336)
Net cash provided by (used in) financing activities	82,837	(10,977)
Net increase (decrease) in cash and cash equivalents	34,913	(101,106)
Cash and cash equivalents at beginning of period	19,250	187,922
Cash and cash equivalents at end of period	54,163	86,816
Cash payments for:
Interest	5,646	1,583
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain (loss) gain on securities available-for-sale	1,279	(22,185)
Former bank property transferred from fixed assets to held for sale assets	0	345
Impact of adoption of ASC 326	$ 991	$ 0

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2023
Description of Business and Summary of Significant Accounting Policies [Abstract]
Description of Business and Summary of Significant Accounting Policies	Note 1. Description of Business and Summary of Significant Accounting Policies THE COMPANY Headquartered in Hampton, Virginia, Old Point Financial Corporation (NASDAQ: OPOF) (the Company) is a holding company that conducts substantially all of its operations through two wholly-owned subsidiaries, the Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Wealth) 30, 2023, 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 BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with U.S. GAAP for interim financial information. All significant intercompany balances and transactions have been eliminated. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial position at June 30, 2023 30, 2023 30, 2023 These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s 2022 Form 10-K. Certain previously reported amounts have been reclassified to conform to current period presentation, none of which were material in nature. ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated balance sheets and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the ACL . ADOPTION OF NEW ACCOUNTING STANDARDS On January 1, 2023, the Company adopted ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”, as amended, which replaces the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (CECL) model, which requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates.. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to unfunded credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 modified the impairment for available-for-sale debt securities, requiring credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities management does not intend to sell or believes that it is more likely than not they will be required to sell. It also modified the measurement principles for modifications of loans to borrowers experiencing financial difficulty, including how the allowance for credit losses (ACL) is measured for such loans. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet (OBS) credit exposures. Results for reporting periods beginning after January 1, 2023 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP. As a result of adopting ASC 326, the Company recorded a net decrease to retained earnings of $991 thousand. The Company adopted ASC 326 using the prospective transition approach for debt securities. The adoption did not affect the carrying value of debt securities or the amount of unrealized gains and losses recorded in accumulated other comprehensive loss. Upon adoption of ASC 326, the Company did not have any securities included in its portfolio where OTTI had previously been recognized or that required an ACL. The following table illustrates the impact of ASC 326. December 31, 2022 January 1, 2023 (dollars in thousands) As Previously Reported (Incurred Loss) Impact of CECL Adoption As Reported Under CECL Assets Loans Commercial and Industrial $ 673 $ (11 ) $ 662 Real Estate Construction 552 19 571 Real Estate Mortgage 2,575 87 2,662 Real Estate Commercial 4,499 1,048 5,547 Consumer 2,065 (365 ) 1,700 Other 162 (137 ) 25 Allowance for credit losses on loans 10,526 641 11,167 Liabilities: Allowance for credit losses on unfunded credit exposure 51 350 401 Total Allowance for Credit Losses $ 10,577 $ 991 $ 11,568 The following accounting policies have been updated in connection with the adoption of ASC 326 and apply to periods beginning after December 31, 2022. Loans Held for Investment The Company makes commercial, consumer, and mortgage loans to customers. The Company’s recorded investment in loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally is reported at the unpaid principal balances adjusted for charges-offs, unearned discounts, any deferred fees or costs on originated loans, and the allowance for credit losses. Interest on loans is acc The past due status of a loan is based on the contractual due date of the most delinquent payment due. Commercial loans are generally placed on nonaccrual status when the collection of principal or interest is 90 days or more past due, or earlier, if the full and timely collection of interest or principal becomes uncertain In the ordinary course of business, the Company has entered into commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the Consolidated Balance Sheets when they are funded. Allowance for Credit Losses on Loans The provision for credit losses on loans charged to operations is an amount sufficient to bring the allowance to an estimated balance that management considers adequate to absorb expected credit losses in the Company’s loan portfolio. The ACLL is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Amortized cost is the principal balance outstanding, net of any purchase premiums and discounts and net of any deferred loan fees and costs. The ACLL represents management’s estimate of credit losses over the remaining life of the loan portfolio. Loans are charged off against the ACLL when management believes the loan balance is no longer collectible. Subsequent recoveries of previously charged off amounts are recorded as increases to the ACLL. Management’s determination of the adequacy of the ACLL is based on an evaluation of the composition of the loan portfolio, the value and adequacy of collateral, current economic conditions, historical loan loss experience, reasonable and supportable forecasts, and other risk factors. The ACLL is estimated by pooling loans by call code and similar risk characteristics and applying a loan-level discounted cash flows method for all loans except for its automobile, farmland, and consumer portfolios. For automobile, farmland, and consumer portfolios, the Company has elected to pool those loans based on similar risk characteristics to determine the ACLL using the remaining life method. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The Company utilizes a forecast period of one year and then reverts to the mean of historical loss rates on a straight-line basis over the following one-year period. The Company considers economic forecasts and recession probabilities from highly recognized third-parties to inform the model for loss estimation. For instance, the Company considers the National unemployment rate as an external economic variable in developing the ACLL. The quantitative ACLL estimate is sensitive to changes in the unemployment rate forecast over a one-year reasonable and supportable period, with the commercial loan portfolio being the most sensitive to fluctuations in unemployment. Because current economic conditions and forecasts can change and future events are inherently difficult to predict, the anticipated amount of estimated credit losses on loans and therefore the appropriateness of the ACLL, could change significantly. It is difficult to estimate how potential changes in any one economic factor or input might affect the overall ACLL because changes in those factors and inputs may not occur at the same rate and may not be consistent across all loan types. Additionally, changes in factors and inputs may be directionally inconsistent, such that improvement in one factor may offset deterioration in others. Management also considers qualitative factors when estimating loan losses to take into account model limitations. While management uses available information to estimate expected losses on loans, future changes in the ACLL may be necessary based on changes in portfolio composition, portfolio credit quality, and/or economic conditions. Loans that do not share risk characteristics are evaluated on an individual basis. The individual reserve component relates to loans that have shown substantial credit deterioration as measured by risk rating and/or delinquency status. In addition, the Company has elected the practical expedient that would include loans for individual assessment consideration if the repayment of the loan is expected substantially through the operation or sale of collateral because the borrower is experiencing financial difficulty. Where the source of repayment is the sale of collateral, the ACLL is based on the fair value of the underlying collateral, less selling costs, compared to the amortized cost basis of the loan. If the ACLL is based on the operation of the collateral, the reserve is calculated based on the fair value of the collateral calculated as the present value of expected cash flows from the operation of the collateral, compared to the amortized cost basis. If the Company determines that the value of a collateral dependent loan is less than the recorded investment in the loan, the Company charges off the deficiency if it is determined that such amount is deemed to be a confirmed loss. Typically, a loss is confirmed when the Company is moving towards foreclosure (or final disposition). Reserve for Unfunded Commitments The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit unless that obligation is unconditionally cancellable by the Company. The rese rve for unfunded commitments is adjusted as a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on co Accrued Interest Receivable The Company has elected to exclude accrued interest from the amortized cost basis in its determination of the ACLL, as well as elected the policy to write-off accrued interest receivable directly through the reversal of interest income. Accrued interest receivable totaled $3.1 million on loans held for investment at June 30, 2023 Allowance for Credit Losses – Available-For-Sale Securities Investments in debt securities are classified as either held to maturity, available-for-sale, or trading, based on management’s intent. Currently all of the Company’s debt securities are classified as available-for-sale. Available-for-sale debt securities are carried at estimated fair value with the corresponding unrealized gains and losses recognized in other comprehensive income (loss). Gains or losses are recognized in net income on the trade date using the amortized cost of the specific security sold. Purchase premiums are recognized in interest income using the effective interest rate method over the period from purchase to maturity or, for callable securities, the earliest call date, and purchase discounts are recognized in the same manner from purchase to maturity. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell if met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income (loss). Changes in the allowance for credit losses are recorded as a credit loss expense or reversal. Losses are charged against the allowance when management believe the uncollectability of an available-for-sale security is confirmed or when either of the criteria regarding interest or requirement to sell is met. Accrued interest receivable on available-for-sale securities is excluded from the estimate of credit losses. Other accounting standards that have been adopted by the Company or issued by the FASB or other standards-setting bodies have not or are not currently expected to have a material effect on the Company’s financial position, results of operations or cash flows.

Securities

Securities	6 Months Ended
	Jun. 30, 2023
Securities [Abstract]
Securities	Note 2. Securities On January 1, 2023, the Company adopted ASC 326, which made changes to the accounting for available-for-sale debt securities whereby credit losses should be presented as an allowance, rather than as a write-down when management does not intend to sell and does not believe that it is more likely than not they will be required to sell prior to maturity. For further discussion on the Company’s accounting policies and policy elections related to the accounting standard update refer to Note 1. All securities information presented as of June 30, 2023, is in accordance with ASC 326. All securities information presented prior to June 30, 2023 is in accordance with previous applicable GAAP. See information regarding the Company’s prior accounting policies in Note 1. Significant Accounting Policies in the Company’s 2022 Form 10-K Amortized costs and fair values, with gross unrealized gains and losses, of securities available-for-sale as of the dates indicated were as follows: June 30, 2023 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,083 $ - $ (283 ) $ 3,800 Obligations of U.S. Government agencies 38,984 70 (829 ) 38,225 Obligations of state and political subdivisions 65,890 13 (9,369 ) 56,534 Mortgage-backed securities 96,790 - (10,762 ) 86,028 Money market investments 1,833 - - 1,833 Corporate bonds and other securities 27,990 - (3,849 ) 24,141 $ 235,570 $ 83 $ (25,092 ) $ 210,561 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 The amortized cost and fair value of securities by contractual maturity are shown below. June 30, 2023 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 1,860 $ 1,816 Due after one year through five years 15,025 14,212 Due after five through ten years 64,652 55,890 Due after ten years 152,200 136,810 Other securities, restricted 1,833 1,833 $ 235,570 $ 210,561 The following table shows realized gains or losses on the sale of investment securities during the three and six months ended June 30, 2023 and 2022, respectively. Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2023 2022 2023 2022 Securities Available-for-sale Realized losses on sales of securities (164 ) - $ (164 ) $ - Net realized loss $ (164 ) $ - $ (164 ) $ - The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an allowance for credit losses has not been recorded as of June 30, 2023 and that are deemed to be temporarily impaired as of December 31, 2022, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of the dates indicated: June 30, 2023 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value Securities U.S. Treasury securities $ - $ - $ 283 $ 3,800 $ 283 $ 3,800 2 Obligations of U.S. Government agencies 17 5,215 812 27,186 829 32,401 44 Obligations of state and political subdivisions 286 1,521 9,083 54,013 9,369 55,534 52 Mortgage-backed securities 532 12,139 10,230 73,888 10,762 86,027 43 Corporate bonds and other securities 231 2,259 3,618 20,882 3,849 23,141 25 Total securities available-for-sale $ 1,066 $ 21,134 $ 24,026 $ 179,769 $ 25,092 $ 200,903 166 December 31, 2022 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value Securities U.S. Treasury securities $ 342 $ 7,671 $ - $ - $ 342 $ 7,671 4 Obligations of U.S. Government agencies 258 13,873 975 22,851 1,233 36,724 43 Obligations of state and political subdivisions 5,386 33,720 5,721 23,856 11,107 57,576 56 Mortgage-backed securities 4,157 52,717 6,804 36,196 10,961 88,913 38 Corporate bonds and other securities 1,084 12,906 1,571 11,429 2,655 24,335 21 Total securities available-for-sale $ 11,227 $ 120,887 $ 15,071 $ 94,332 $ 26,298 $ 215,219 162 The number of investments in an unrealized loss position as of June and December were and respectively. The Company concluded no allowance for credit loss should be recognized 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 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 inter est. 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 Restricted Stock The restricted stock category is comprised of stock in FHLB, FRB, and CBB. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, FHLB, FRB, and CBB stock are carried at cost and evaluated for impairment. When evaluating these stocks for impairment, their value is determined based on the ultimate recoverability of the par value rather than by recognizing temporary declines in value. Restricted stock is viewed as a long-term investment and management believes that the Company has the ability and the intent to hold this stock until its value is recovered.

Loans and the Allowance for Cre

Loans and the Allowance for Credit Losses on Loans	6 Months Ended
	Jun. 30, 2023
Loans and the Allowance for Credit Losses on Loans [Abstract]
Loans and the Allowance for Credit Losses on Loans	Note 3. Loans and the Allowance for Credit Losses on Loans On January 1, 2023, the Company adopted ASC 326. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables. For further discussion on the Company’s accounting policies and policy elections related to the accounting standard update refer to Note 1 Description of Business and Summary of Significant Accounting Policies. All loan information presented as of June 30, 2023 is in accordance with ASC 326. All loan information presented prior to June 30, 2023 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: June 30, December 31, (dollars in thousands) 2023 2022 Mortgage loans on real estate: Residential 1-4 family $ 182,129 $ 169,248 Commercial - owner occupied 166,703 184,586 Commercial - non-owner occupied 274,453 245,277 Multifamily 32,329 26,675 Construction and land development 94,421 77,944 Second mortgages 9,631 8,828 Equity lines of credit 53,844 54,340 Total mortgage loans on real estate 813,510 766,898 Commercial and industrial loans 74,663 72,578 Consumer automobile loans 181,939 163,018 Other consumer loans 21,155 22,251 Other (1) 3,349 2,340 Total loans, net of deferred fees (2) 1,094,616 1,027,085 Less: Allowance for credit losses on loans 11,651 10,526 Loans, net of allowance and deferred fees (2) $ 1,082,965 $ 1,016,559 (1) Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $243 thousand and $269 thousand at June 30, 2023 and December 31, 2022, respectively. (2) Net deferred loan fees totaled $1.3 million on June 30, 2023 and $1.0 million on December 31, 2022. 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. The following table shows the aging of the Company’s loan portfolio, by class, at June 30, 2023. Age Analysis of Past Due Loans as of June 30, 2023 (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 $ - $ - $ 350 $ 148 $ 181,631 $ 182,129 Commercial - owner occupied - - - - 166,703 166,703 Commercial - non-owner occupied - - - - 274,453 274,453 Multifamily - - - - 32,329 32,329 Construction and land development - - - 87 94,334 94,421 Second mortgages - - - - 9,631 9,631 Equity lines of credit 56 47 - - 53,741 53,844 Total mortgage loans on real estate $ 56 $ 47 $ 350 $ 235 $ 812,822 $ 813,510 Commercial and industrial loans 358 236 494 - 73,575 74,663 Consumer automobile loans 1,452 296 286 - 179,905 181,939 Other consumer loans 128 232 78 - 20,717 21,155 Other 31 - - - 3,318 3,349 Total $ 2,025 $ 811 $ 1,208 $ 235 $ 1,090,337 $ 1,094,616 (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. The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2023 as well as the amortized cost basis of loans on nonaccrual status and loans past due 90 days and accruing as of June 30, 2023 by class of loan. Nonaccrual (dollars in thousands) January 1, 2023 June 30, 2023 Nonaccrual with no ACLL 90 Days and still Accruing Mortgage loans on real estate: Residential 1-4 family $ 154 $ 148 $ - $ 350 Construction and land development 945 87 87 - Equity lines of credit - - - - Total mortgage loans on real estate 1,099 235 87 350 Commercial and industrial loans 144 - - 494 Consumer automobile loans - - - 286 Other consumer loans - - - 78 Total $ 1,243 $ 235 $ 87 $ 1,208 The Company’s loan portfolio may include certain loans modified, 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 closely monitors the performance of modified loans to understand the effectiveness of modification efforts. Upon the determination that all or a portion of a modified loan is uncollectible, that amount is charged against the allowance for credit losses. The Company did not grant any such modifications during the second quarter or first six months of 2023. Allowance for Credit Losses on Loans ACLL is a material estimate for the Company. The Company estimates its ACLL on a quarterly basis. The Company models the ACLL using two primary segments, Commercial and Consumer. Within each segment, loan classes are • Commercial • Consumer Each portfolio class has risk characteristics as follows: • Commercial and industrial: • Real estate-construction and land development: • Real estate-commercial: • Real estate-mortgage: • Consumer loans: • Other loans: The following tables presents the activity in the ACLL by portfolio class for the six months ended June 30, 2023. ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS For the Six Months ended June 30, 2023 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for credit losses on loans: Balance, beginning $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Day 1 impact of adoption of CECL (11 ) 19 87 1,048 (365 ) (137 ) - 641 Charge-offs (51 ) - - - (534 ) (169 ) - (754 ) Recoveries 12 - 20 - 312 21 - 365 Provision for credit losses 43 136 198 162 112 228 (6 ) 873 Ending Balance $ 666 $ 707 $ 2,880 $ 5,709 $ 1,590 $ 99 $ - $ 11,651 Individually evaluated $ - $ - $ 16 $ - $ - $ - $ - $ 16 Collectively evaluated 666 707 2,864 5,709 1,590 99 - 11,635 Ending Balance $ 666 $ 707 $ 2,880 $ 5,709 $ 1,590 $ 99 $ - $ 11,651 Loans Balances: Individually evaluated - 160 421 - - - - 581 Collectively evaluated 74,663 94,261 277,512 441,156 203,094 3,349 - 1,094,035 Ending Balance $ 74,663 $ 94,421 $ 277,933 $ 441,156 $ 203,094 $ 3,349 $ - $ 1,094,616 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans. The following table presents a breakdown of the provision for credit losses for the periods indicated. Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2023 2022 2023 2022 Provision for credit losses: Provision for loans $ 310 $ 570 $ 873 $ 671 Provision (recovery) for unfunded commitments 51 - (136 ) - Total $ 361 $ 570 $ 737 $ 671 Credit Quality Indicators Credit quality indicators are utilized to help estimate the collectability of each loan. Consumer loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. While other credit quality indicators are evaluated and analyzed as part of the Company’s credit risk management activities, the Company uses internally-assigned risk grades as the primary indicator to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company’s internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company’s internally assigned risk grades are as follows: • Pass: Loans are of acceptable risk. • Other Assets Especially Mentioned (OAEM): Loans have potential weaknesses that deserve management’s close attention. • Substandard: Loans reflect significant deficiencies due to several adverse trends of a financial, economic or managerial nature. • Doubtful: Loans have all the weaknesses inherent in a substandard loan with added characteristics that make collection or liquidation in full based on currently existing facts, conditions and values highly questionable or improbable. • Loss: Loans have been identified for charge-off because they are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated: June 30, 2023 Term Loans Amortized Cost Basis by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Total Construction and land development Pass $ 21,278 $ 40,516 $ 23,996 $ 4,706 $ 305 $ 3,402 $ 131 $ 94,334 OAEM - - - - - - - - Substandard - - - - - 87 - 87 Total Construction $ 21,278 $ 40,516 $ 23,996 $ 4,706 $ 305 $ 3,489 $ 131 $ 94,421 Commercial Real Estate - Owner Occupied Pass $ 1,628 $ 32,346 $ 36,824 $ 14,141 $ 12,892 $ 62,658 $ 1,346 $ 161,835 OAEM - - - - 255 4,613 - 4,868 Substandard - - - - - - - - Total Commercial Real Estate - Owner Occupied $ 1,628 $ 32,346 $ 36,824 $ 14,141 $ 13,147 $ 67,271 $ 1,346 $ 166,703 Commercial Real Estate - Non-Owner Occupied Pass $ 23,058 $ 55,511 $ 86,192 $ 39,858 $ 11,541 $ 58,278 $ 15 $ 274,453 OAEM - - - - - - - - Substandard - - - - - - - - Total Commercial Real Estate - Non-Owner Occupied $ 23,058 $ 55,511 $ 86,192 $ 39,858 $ 11,541 $ 58,278 $ 15 $ 274,453 Commercial and Industrial Pass $ 14,941 $ 33,202 $ 5,569 $ 3,070 $ 4,729 $ 154 $ 12,998 $ 74,663 OAEM - - - - - - - - Substandard - - - - - - - - Total Commercial and Industrial $ 14,941 $ 33,202 $ 5,569 $ 3,070 $ 4,729 $ 154 $ 12,998 $ 74,663 Multifamily Real Estate Pass $ 9,724 $ 3,774 $ 2,185 $ 792 $ 6,061 $ 7,018 $ 2,775 $ 32,329 OAEM - - - - - - - - Substandard - - - - - - - - Total Multifamily Real Estate $ 9,724 $ 3,774 $ 2,185 $ 792 $ 6,061 $ 7,018 $ 2,775 $ 32,329 Residential 1-4 Family Pass $ 19,258 $ 35,860 $ 40,145 $ 27,618 $ 13,685 $ 55,485 $ 53,212 $ 245,263 OAEM - - - - - - - - Substandard - - - 193 - 148 - 341 Total Residential 1-4 Family $ 19,258 $ 35,860 $ 40,145 $ 27,811 $ 13,685 $ 55,633 $ 53,212 $ 245,604 Consumer - Automobile Pass $ 48,565 $ 101,291 $ 16,637 $ 5,616 $ 2,501 $ 7,329 $ - $ 181,939 OAEM - - - - - - - - Substandard - - - - - - - - Total Consumer - Automobile $ 48,565 $ 101,291 $ 16,637 $ 5,616 $ 2,501 $ 7,329 $ - $ 181,939 Consumer - Other Pass $ 321 $ 1,583 $ 589 $ 169 $ 345 $ 15,936 $ 2,212 $ 21,155 OAEM - - - - - - - - Substandard - - - - - - - - Total Consumer - Other $ 321 $ 1,583 $ 589 $ 169 $ 345 $ 15,936 $ 2,212 $ 21,155 Other Pass $ 2,453 $ - $ 309 $ - $ - $ 587 $ - $ 3,349 OAEM - - - - - - - - Substandard - - - - - - - - Total Other $ 2,453 $ - $ 309 $ - $ - $ 587 $ - $ 3,349 Total Loans Pass $ 141,226 $ 304,083 $ 212,446 $ 95,970 $ 52,059 $ 210,847 $ 72,689 $ 1,089,320 OAEM - - - - 255 4,613 - 4,868 Substandard - - - 193 - 235 - 428 Total Loans $ 141,226 $ 304,083 $ 212,446 $ 96,163 $ 52,314 $ 215,695 $ 72,689 $ 1,094,616 The following table details the current period gross charge-offs of loans by year of origination as of June 30, 2023: June 30, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and Industrial $ - $ 51 $ - $ - $ - $ - $ - $ 51 Consumer - Automobile - 265 142 45 18 49 - 519 Consumer - Other - - 5 - 3 7 - 15 Other (1) 147 22 - - - - - 169 Total $ 147 $ 338 $ 147 $ 45 $ 21 $ 56 $ - $ 754 (1) Gross charge-offs of other loans for the first six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023. As of June 30, 2023, the Company had no collateral dependent loans for which repayment was expected to be derived substantially through the operation or sale of the collateral and where the borrower is experiencing financial difficulty. Prior to the adoption of ASC 326 The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2022. 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 and land development - - - 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. As of December 31, 2022, the Company measured the amount of impairment by evaluating loans either in their collective homogenous pools or individually. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the period presented. The average balances are calculated based on daily average balances. Impaired Loans by Class 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 The following tables present credit quality exposures by internally assigned risk ratings as of December 31, 2022: 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 The following tables presents the activity in the ACLL by portfolio segment for the year ended December 31, 2022. 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 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.

Leases

Leases	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
Leases	Note 4. Leases Lease liabilities represent the Company’s obligation to make lease payments and are presented at each reporting date as the net present value of the remaining contractual cash flows. Cash flows are discounted at the Company’s incremental borrowing rate in effect at the commencement date of the lease. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. The Company’s long-term lease agreements are classified as operating leases. Certain of these leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liabilities to the extent the options are reasonably assured of being exercised. The lease agreements do not provide for residual value guarantees and have no restrictions or covenants that would impact dividends or require incurring additional financial obligations. The right-of-use asset and lease liability are included in other assets other liabilities (dollars in thousands) June 30, 2023 Lease liabilities $ 1,451 Right-of-use assets $ 1,377 Weighted average remaining lease term 3.91 years Weighted average discount rate 2.94 % Three Months Ended June 30, Six Months June 30, Lease cost 2023 2022 2023 2022 Operating lease cost $ 101 $ 82 $ 202 $ 164 Total lease cost $ 101 $ 82 $ 202 $ 164 Cash paid for amounts included in the measurement of lease liabilities $ 112 $ 85 $ 203 $ 169 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 June 30, 2023 Six months ending December 31, 2023 $ 214 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 $ 1,554 Discount (103 ) Lease liabilities $ 1,451

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	6 Months Ended
	Jun. 30, 2023
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	Note 5. Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both June 30, 2023 and December 31, 2022. 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 $1.2 million and $1.4 million at June 30, 2023 and December 31, 2022, respectively. The expected terms of these investments and the related tax benefits run through 2033. There were no additional capital calls expected for the funds at June 30, 2023. The table below summarizes the tax credits and other tax benefits recognized by the Company related to these investments during the periods indicated: Three Months Ended Six June 30 June 30 Affected Line Item on (dollars in thousands) 2023 2022 2023 2022 Consolidated Income Statement Tax credits and other benefits Amortization of operating losses $ 92 $ 51 $ 184 $ 102 ATM and other losses Tax benefit of operating losses* 19 11 39 21 Income tax expense Tax credits 78 89 155 178 Income tax expense Total tax benefits $ 97 $ 100 $ 194 $ 199 * Computed using a 21% tax rate.

Borrowings

Borrowings	6 Months Ended
	Jun. 30, 2023
Borrowings [Abstract]
Borrowings	Note 6. 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 June 30, 2023 and December 31, 2022, the remaining credit available from these lines totaled $100.0 million and $103.6 million, respectively. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $352.9 million and $346.5 as of June 30, 2023 and December 31, 2022, respectively. The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) June 30, 2023 December 31, 2022 Federal funds purchased $ - $ 11,378 Overnight repurchase agreements 4,500 4,987 Federal Home Loan Bank advances 49,450 46,100 Total short-term borrowings $ 53,950 $ 62,465 Maximum month-end outstanding balance $ 96,142 $ 62,465 Average outstanding balance during the period $ 62,730 $ 11,776 Average interest rate (year-to-date) 4.60 % 2.34 % Average interest rate at end of period 4.99 % 4.58 % Long-Term Borrowings The Company had a long-term FHLB advance totaling $20.0 million outstanding at June 30, 2023 with a scheduled maturity of April 14, 2025 and a rate of 4.28%. The Company did not have any long-term FHLB advances at December 31, 2022 On July 14, 2021, the Company completed the issuance of $29.4 million, net of issuance costs, or $30.0 million in aggregate principal amount of subordinated notes (the Notes) due in 2031

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2023
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 7. Commitments and Contingencies Credit-Related Financial Instruments The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. The following financial instruments whose contract amounts represent credit risk were outstanding at June 30, 2023 and December 31, 2022: June 30, December 31, (dollars in thousands) 2023 2022 Commitments to extend credit: Home equity lines of credit $ 93,264 $ 87,722 Commercial real estate, construction and development loans committed but not funded 85,998 67,107 Other lines of credit (principally commercial) 48,629 51,742 Total $ 227,891 $ 206,571 Letters of credit $ 776 $ 904

Share-Based Compensation

Share-Based Compensation	6 Months Ended
	Jun. 30, 2023
Share-Based Compensation [Abstract]
Share-Based Compensation	Note 8. Share-Based Compensation The Company has adopted an employee stock purchase plan and offers share-based compensation through its equity compensation plan. Share-based compensation arrangements may include stock options, restricted and unrestricted stock awards, restricted stock units, performance units and stock appreciation rights. Accounting standards require all share-based payments to employees and non-employee directors to be valued using a fair value method on the date of grant and to be expensed based on that fair value over the applicable vesting period. The Company accounts for forfeitures during the vesting period as they occur. The 2016 Incentive Stock Plan (the Incentive Stock Plan) permits the issuance of up to 300,000 shares of common stock for awards to key employees and non-employee directors of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock appreciation rights, stock awards and performance units. As of June 30, 2023 only restricted stock has been granted under the Incentive Stock Plan. Restricted stock activity for the three months ended June 30, 2023 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2023 46,989 $ 22.49 Issued 35,013 17.20 Vested (22,003 ) 19.86 Forfeited - - Nonvested, June 30, 2023 59,999 $ 20.37 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.91 years. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $848 thousand as of June 30, 2023 and $663 thousand as of June 30, 2022. Stock-based compensation expense was $141 thousand and $103 thousand for the three months ended June 30, 2023 and 2022, respectively and $248 thousand and $174 thousand for the six months ended June 30, 2023 Under the Company’s Employee Stock Purchase Plan (ESPP), substantially all employees of the Company and its subsidiaries can authorize a specific payroll deduction from their base compensation for the periodic purchase of the Company’s common stock. Shares of stock are issued quarterly at a discount to the market price of the Company’s stock on the day of purchase, which can range from 0-15% and was set at 5% for 2022 and for the first six months of 2023. Total stock purchases under the ESPP amounted to 3,179 shares during the six months ended June 30, 2023. At June 30, 2023, the Company had 218,599 remaining shares reserved for issuance under the ESPP.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	6 Months Ended
	Jun. 30, 2023
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings per Common Share	Note 9. Stockholders’ Equity and Earnings per Common Share Stockholders’ Equity – Accumulated Other Comprehensive Income (Loss) The following tables present amounts reclassified out of accumulated other comprehensive income (loss), by category, during the periods indicated: Three Months Ended Six Months Ended June 30, June 30, Affected Line Item on Consolidated Statement of Income (dollars in thousands) 2023 2022 2023 2022 Available-for-sale securities Realized loss on sale of securities $ (164 ) $ - $ (164 ) $ - Loss on sale of available-for-sale securities, net Tax effect (34 ) - (34 ) - Income tax benefit $ (130 ) $ - $ (130 ) $ - The following tables present the changes in accumulated other comprehensive income (loss), by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Three Months Ended June 30 2023 Balance at beginning of period $ (18,435 ) $ (18,435 ) Net other comprehensive loss (1,322 ) (1,322 ) Balance at end of period $ (19,757 ) $ (19,757 ) Three Months Ended June 30 2022 Balance at beginning of period $ (9,458 ) $ (9,458 ) Net other comprehensive loss (6,392 ) (6,392 ) Balance at end of period $ (15,850 ) $ (15,850 ) (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Six June 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive income 1,010 1,010 Balance at end of period $ (19,757 ) $ (19,757 ) Six June 30 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (17,525 ) (17,525 ) Balance at end of period $ (15,850 ) $ (15,850 ) The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,838 ) $ (386 ) $ (1,452 ) Reclassification adjustment for losses recognized in income 164 (34 ) 130 (1,674 ) (420 ) (1,322 ) Total change in accumulated other comprehensive loss, net $ (1,674 ) $ (420 ) $ (1,322 ) Three Months Ended June 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (8,091 ) $ (1,699 ) $ (6,392 ) Total change in accumulated other comprehensive loss, net $ (8,091 ) $ (1,699 ) $ (6,392 ) Six Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,114 $ 234 $ 880 Reclassification adjustment for losses recognized in income 164 (34 ) 130 1,278 200 1,010 Total change in accumulated other comprehensive income, net $ 1,278 $ 200 $ 1,010 Six Months Ended June 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (22,183 ) $ (4,658 ) $ (17,525 ) Total change in accumulated other comprehensive loss, net $ (22,183 ) $ (4,658 ) $ (17,525 ) Earnings Per Common Share Basic EPS is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the weighted average number of common shares outstanding during the period, including the effect of dilutive potential common shares attributable to the ESPP. The following is a reconciliation of the denominators of the basic and diluted EPS computations for the three and six months ended June 30, 2023 and 2022: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Three Months Ended June 30 2023 Net income, basic $ 1,802 5,023 $ 0.36 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 1,802 5,024 $ 0.36 Three Months Ended June 30 2022 Net income, basic $ 1,892 5,087 $ 0.37 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 1,892 5,087 $ 0.37 Six June 30 2023 Net income, basic $ 4,885 5,011 $ 0.97 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 4,885 5,012 $ 0.97 Six June 30 2022 Net income, basic $ 3,923 5,136 $ 0.76 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,923 5,136 $ 0.76 The Company had no antidilutive shares outstanding in the three and six months ended June 30, 2023 and 2022, respectively. Nonvested restricted common shares, which carry all rights and privileges of a common share with respect to the stock, including the right to vote, were included in the basic and diluted per common share calculations.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2023
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 10. Fair Value Measurements The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the “Fair Value Measurements and Disclosures” topics of FASB ASU No. 2010-06, FASB ASU No. 2011-04, and FASB ASU No. 2016-01, the fair value of a financial instrument is the price that would be received in the sale of an asset or transfer of a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimate of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market for the asset or liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value can be a reasonable point within a range that is most representative of fair value under current market conditions. In estimating the fair value of assets and liabilities, the Company relies mainly on two 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 June 30, 2023 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets: Available-for-sale securities U.S. Treasury securities $ 3,800 $ - $ 3,800 $ - Obligations of U.S. Government agencies 38,225 - 38,225 - Obligations of state and political subdivisions 56,534 - 56,534 - Mortgage-backed securities 86,028 - 86,028 - Money market investments 1,833 - 1,833 - Corporate bonds and other securities 24,141 - 24,141 - Total available-for-sale securities 210,561 - 210,561 - Derivatives Interest rate lock 30 - 30 - Interest rate swap on loans 1,508 - 1,508 - Total assets $ 212,099 $ - $ 212,099 $ - Liabilities: Derivatives Interest rate swap on loans 1,508 - 1,508 - Total liabilities $ 1,508 $ - $ 1,508 $ - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Available-for-sale securities U.S. Treasury securities $ 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 $ - 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. 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 estimated costs to sell at the date of foreclosure. Initial fair value is based upon appraisals the Company obtains from independent licensed appraisers. Subsequent to foreclosure, management periodically performs valuations of the foreclosed assets based on updated appraisals, general market conditions, recent sales of similar properties, length of time the properties have been held, and the ability and intent with regard to continued ownership of the properties. The Company may incur additional write-downs of foreclosed assets to fair value less estimated costs to sell if valuations indicate a further deterioration in market conditions. As such, the Company records OREO as a nonrecurring fair value measurement classified as Level 3. At June 30, 2023 and December 31, 2022 there was no OREO that was measured at fair value. Loans Held For Sale Loans held for sale are carried at the lower of cost or fair value. These loans currently consist of residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). Gains and losses on the sale of loans are reported on a separate line item on the Company’s Consolidated Statements of Income. The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan’s expected future cash flows, discounted at the loan’s effective interest rate rather than at a market rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the tables below. Carrying Value at June 30, 2023 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Loans Loans held for sale $ 1,017 $ - $ 1,017 $ - Carrying Value at December 31, 2022 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Mortgage loans on real estate: Construction $ 110 $ - $ - $ 110 Total $ 110 $ - $ - $ 110 Loans Loans held for sale $ 421 $ - $ 421 $ - The following table displays quantitative information about Level 3 Fair Value Measurements as of December 31, 2022. 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 $ 110 Market comparables Selling costs 3.00% -8.00% (7.25 %) 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 June 30, 2023 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 54,163 $ 54,163 $ - $ - Securities available-for-sale 210,561 - 210,561 - Restricted securities 4,559 - 4,559 - Loans held for sale 1,017 - 1,017 - Loans, net 1,082,965 - - 1,039,358 Derivatives Interest rate lock 30 - 30 - Interest rate swap on loans 1,508 - 1,508 - Bank owned life insurance 34,563 - 34,563 - Accrued interest receivable 4,426 - 4,426 - Liabilities Deposits $ 1,228,715 $ - $ 1,228,032 $ - Overnight repurchase agreements 4,500 - 4,500 - Federal Home Loan Bank advances 69,450 - 69,450 - Long term borrowings 29,603 - 24,686 - Derivatives Interest rate swap on loans 1,508 - 1,508 - Accrued interest payable 1,711 - 1,711 - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 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 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 $ - $ 1,156,019 $ - Federal funds purchased 11,378 - 11,378 - Overnight repurchase agreements 4,987 - 4,987 - Federal Reserve Bank borrowings 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 -

Segment Reporting

Segment Reporting	6 Months Ended
	Jun. 30, 2023
Segment Reporting [Abstract]
Segment Reporting	Note 11. Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, 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 three and six months ended June 30, 2023 and 2022 follows: Three Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 16,312 $ 35 $ 2,296 $ (2,296 ) $ 16,347 Income from fiduciary activities - 1,154 - - 1,154 Other income 2,139 200 50 (66 ) 2,323 Total operating income 18,451 1,389 2,346 (2,362 ) 19,824 Expenses Interest expense 3,953 - 295 - 4,248 Provision for credit losses 361 - - - 361 Salaries and employee benefits 6,745 1,099 199 - 8,043 Other expenses 4,648 341 181 (66 ) 5,104 Total operating expenses 15,707 1,440 675 (66 ) 17,756 Income before taxes 2,744 (51) 1,671 (2,296 ) 2,068 Income tax expense (benefit) 406 (9) (131 ) - 266 Net income $ 2,338 $ (42) $ 1,802 $ (2,296 ) $ 1,802 Capital expenditures $ 357 $ - $ - $ - $ 357 Total assets $ 1,434,600 $ 7,016 $ 132,503 $ (131,060 ) $ 1,443,059 Three Months Ended June 30, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 11,068 $ 17 $ 2,381 $ (2,381 ) $ 11,085 Income from fiduciary activities - 1,061 - - 1,061 Other income 2,130 325 50 (66 ) 2,439 Total operating income 13,198 1,403 2,431 (2,447 ) 14,585 Expenses Interest expense 469 - 295 - 764 Provision for credit losses 570 - - - 570 Salaries and employee benefits 5,542 893 176 - 6,611 Other expenses 4,062 285 198 (66 ) 4,479 Total operating expenses 10,643 1,178 669 (66 ) 12,424 Income before taxes 2,555 225 1,762 (2,381 ) 2,161 Income tax expense (benefit) 352 47 (130 ) - 269 Net income $ 2,203 $ 178 $ 1,892 $ (2,381 ) $ 1,892 Capital expenditures $ 404 $ - $ - $ - $ 404 Total assets $ 1,306,972 $ 7,283 $ 131,174 $ (130,545 ) $ 1,314,884 Six Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 31,433 $ 67 $ 5,801 $ (5,801 ) $ 31,500 Income from fiduciary activities - 2,270 - - 2,270 Other income 4,205 454 100 (131 ) 4,628 Total operating income 35,638 2,791 5,901 (5,932 ) 38,398 Expenses Interest expense 5,998 - 590 - 6,588 Provision for credit losses 737 - - - 737 Salaries and employee benefits 12,830 2,173 403 - 15,406 Other expenses 9,129 645 266 (131 ) 9,909 Total operating expenses 28,694 2,818 1,259 (131 ) 32,640 Income before taxes 6,944 (27 ) 4,642 (5,801 ) 5,758 Income tax expense (benefit) 1,119 (3 ) (243 ) - 873 Net income $ 5,825 $ (24 ) $ 4,885 $ (5,801 ) $ 4,885 Capital expenditures $ 487 $ - $ - $ - $ 487 Total assets $ 1,434,600 $ 7,016 $ 132,503 $ (131,060 ) $ 1,443,059 Six Months Ended June 30, 2022 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 21,524 $ 31 $ 4,858 $ (4,858 ) $ 21,555 Income from fiduciary activities - 2,133 - - 2,133 Other income 4,309 604 100 (131 ) 4,882 Total operating income 25,833 2,768 4,958 (4,989 ) 28,570 Expenses Interest expense 1,007 - 590 - 1,597 Provision for credit losses 671 - - - 671 Salaries and employee benefits 10,971 1,741 321 - 13,033 Other expenses 7,950 579 372 (131 ) 8,770 Total operating expenses 20,599 2,320 1,283 (131 ) 24,071 Income before taxes 5,234 448 3,675 (4,858 ) 4,499 Income tax expense (benefit) 729 95 (248 ) - 576 Net income $ 4,505 $ 353 $ 3,923 $ (4,858 ) $ 3,923 Capital expenditures $ 601 $ - $ - $ - $ 601 Total assets $ 1,306,972 $ 7,283 $ 131,174 $ (130,545 ) $ 1,314,884 The accounting policies of the segments are the same as those described in the summary of significant accounting policies reported in the Company’s 2022 Form 10-K. The Company evaluates performance based on profit or loss from operations before income taxes, not including nonrecurring gains or losses.

Description of Business and S_2

Description of Business and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2023
Description of Business and Summary of Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of the Company, and its wholly-owned subsidiaries, the Bank and Wealth
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with U.S. GAAP for interim financial information. All significant intercompany balances and transactions have been eliminated. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial position at June 30, 2023 30, 2023 30, 2023 These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s 2022 Form 10-K. Certain previously reported amounts have been reclassified to conform to current period presentation, none of which were material in nature.
ESTIMATES	ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated balance sheets and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the ACL .
ADOPTION OF NEW ACCOUNTING STANDARDS	ADOPTION OF NEW ACCOUNTING STANDARDS On January 1, 2023, the Company adopted ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”, as amended, which replaces the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (CECL) model, which requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates.. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to unfunded credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 modified the impairment for available-for-sale debt securities, requiring credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities management does not intend to sell or believes that it is more likely than not they will be required to sell. It also modified the measurement principles for modifications of loans to borrowers experiencing financial difficulty, including how the allowance for credit losses (ACL) is measured for such loans. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet (OBS) credit exposures. Results for reporting periods beginning after January 1, 2023 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP. As a result of adopting ASC 326, the Company recorded a net decrease to retained earnings of $991 thousand. The Company adopted ASC 326 using the prospective transition approach for debt securities. The adoption did not affect the carrying value of debt securities or the amount of unrealized gains and losses recorded in accumulated other comprehensive loss. Upon adoption of ASC 326, the Company did not have any securities included in its portfolio where OTTI had previously been recognized or that required an ACL. The following table illustrates the impact of ASC 326. December 31, 2022 January 1, 2023 (dollars in thousands) As Previously Reported (Incurred Loss) Impact of CECL Adoption As Reported Under CECL Assets Loans Commercial and Industrial $ 673 $ (11 ) $ 662 Real Estate Construction 552 19 571 Real Estate Mortgage 2,575 87 2,662 Real Estate Commercial 4,499 1,048 5,547 Consumer 2,065 (365 ) 1,700 Other 162 (137 ) 25 Allowance for credit losses on loans 10,526 641 11,167 Liabilities: Allowance for credit losses on unfunded credit exposure 51 350 401 Total Allowance for Credit Losses $ 10,577 $ 991 $ 11,568 The following accounting policies have been updated in connection with the adoption of ASC 326 and apply to periods beginning after December 31, 2022.
Loans Held for Investment	Loans Held for Investment The Company makes commercial, consumer, and mortgage loans to customers. The Company’s recorded investment in loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally is reported at the unpaid principal balances adjusted for charges-offs, unearned discounts, any deferred fees or costs on originated loans, and the allowance for credit losses. Interest on loans is acc The past due status of a loan is based on the contractual due date of the most delinquent payment due. Commercial loans are generally placed on nonaccrual status when the collection of principal or interest is 90 days or more past due, or earlier, if the full and timely collection of interest or principal becomes uncertain In the ordinary course of business, the Company has entered into commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the Consolidated Balance Sheets when they are funded.
Allowance for Credit Losses on Loans	Allowance for Credit Losses on Loans The provision for credit losses on loans charged to operations is an amount sufficient to bring the allowance to an estimated balance that management considers adequate to absorb expected credit losses in the Company’s loan portfolio. The ACLL is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Amortized cost is the principal balance outstanding, net of any purchase premiums and discounts and net of any deferred loan fees and costs. The ACLL represents management’s estimate of credit losses over the remaining life of the loan portfolio. Loans are charged off against the ACLL when management believes the loan balance is no longer collectible. Subsequent recoveries of previously charged off amounts are recorded as increases to the ACLL. Management’s determination of the adequacy of the ACLL is based on an evaluation of the composition of the loan portfolio, the value and adequacy of collateral, current economic conditions, historical loan loss experience, reasonable and supportable forecasts, and other risk factors. The ACLL is estimated by pooling loans by call code and similar risk characteristics and applying a loan-level discounted cash flows method for all loans except for its automobile, farmland, and consumer portfolios. For automobile, farmland, and consumer portfolios, the Company has elected to pool those loans based on similar risk characteristics to determine the ACLL using the remaining life method. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The Company utilizes a forecast period of one year and then reverts to the mean of historical loss rates on a straight-line basis over the following one-year period. The Company considers economic forecasts and recession probabilities from highly recognized third-parties to inform the model for loss estimation. For instance, the Company considers the National unemployment rate as an external economic variable in developing the ACLL. The quantitative ACLL estimate is sensitive to changes in the unemployment rate forecast over a one-year reasonable and supportable period, with the commercial loan portfolio being the most sensitive to fluctuations in unemployment. Because current economic conditions and forecasts can change and future events are inherently difficult to predict, the anticipated amount of estimated credit losses on loans and therefore the appropriateness of the ACLL, could change significantly. It is difficult to estimate how potential changes in any one economic factor or input might affect the overall ACLL because changes in those factors and inputs may not occur at the same rate and may not be consistent across all loan types. Additionally, changes in factors and inputs may be directionally inconsistent, such that improvement in one factor may offset deterioration in others. Management also considers qualitative factors when estimating loan losses to take into account model limitations. While management uses available information to estimate expected losses on loans, future changes in the ACLL may be necessary based on changes in portfolio composition, portfolio credit quality, and/or economic conditions. Loans that do not share risk characteristics are evaluated on an individual basis. The individual reserve component relates to loans that have shown substantial credit deterioration as measured by risk rating and/or delinquency status. In addition, the Company has elected the practical expedient that would include loans for individual assessment consideration if the repayment of the loan is expected substantially through the operation or sale of collateral because the borrower is experiencing financial difficulty. Where the source of repayment is the sale of collateral, the ACLL is based on the fair value of the underlying collateral, less selling costs, compared to the amortized cost basis of the loan. If the ACLL is based on the operation of the collateral, the reserve is calculated based on the fair value of the collateral calculated as the present value of expected cash flows from the operation of the collateral, compared to the amortized cost basis. If the Company determines that the value of a collateral dependent loan is less than the recorded investment in the loan, the Company charges off the deficiency if it is determined that such amount is deemed to be a confirmed loss. Typically, a loss is confirmed when the Company is moving towards foreclosure (or final disposition).
Reserve for Unfunded Commitments	Reserve for Unfunded Commitments The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit unless that obligation is unconditionally cancellable by the Company. The rese rve for unfunded commitments is adjusted as a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on co
Accrued Interest Receivable	Accrued Interest Receivable The Company has elected to exclude accrued interest from the amortized cost basis in its determination of the ACLL, as well as elected the policy to write-off accrued interest receivable directly through the reversal of interest income. Accrued interest receivable totaled $3.1 million on loans held for investment at June 30, 2023
Allowance for Credit Losses - Available-For-Sale Securities	Allowance for Credit Losses – Available-For-Sale Securities Investments in debt securities are classified as either held to maturity, available-for-sale, or trading, based on management’s intent. Currently all of the Company’s debt securities are classified as available-for-sale. Available-for-sale debt securities are carried at estimated fair value with the corresponding unrealized gains and losses recognized in other comprehensive income (loss). Gains or losses are recognized in net income on the trade date using the amortized cost of the specific security sold. Purchase premiums are recognized in interest income using the effective interest rate method over the period from purchase to maturity or, for callable securities, the earliest call date, and purchase discounts are recognized in the same manner from purchase to maturity. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell if met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income (loss). Changes in the allowance for credit losses are recorded as a credit loss expense or reversal. Losses are charged against the allowance when management believe the uncollectability of an available-for-sale security is confirmed or when either of the criteria regarding interest or requirement to sell is met. Accrued interest receivable on available-for-sale securities is excluded from the estimate of credit losses. 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.

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies (Tables)	6 Months Ended
	Jun. 30, 2023
Description of Business and Summary of Significant Accounting Policies [Abstract]
Impact of ASC 326 Adoption	The following table illustrates the impact of ASC 326. December 31, 2022 January 1, 2023 (dollars in thousands) As Previously Reported (Incurred Loss) Impact of CECL Adoption As Reported Under CECL Assets Loans Commercial and Industrial $ 673 $ (11 ) $ 662 Real Estate Construction 552 19 571 Real Estate Mortgage 2,575 87 2,662 Real Estate Commercial 4,499 1,048 5,547 Consumer 2,065 (365 ) 1,700 Other 162 (137 ) 25 Allowance for credit losses on loans 10,526 641 11,167 Liabilities: Allowance for credit losses on unfunded credit exposure 51 350 401 Total Allowance for Credit Losses $ 10,577 $ 991 $ 11,568

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2023
Securities [Abstract]
Amortized Cost and Fair Value, with Gross Unrealized Gains and Losses of Securities Available-for-Sale	Amortized costs and fair values, with gross unrealized gains and losses, of securities available-for-sale as of the dates indicated were as follows: June 30, 2023 Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,083 $ - $ (283 ) $ 3,800 Obligations of U.S. Government agencies 38,984 70 (829 ) 38,225 Obligations of state and political subdivisions 65,890 13 (9,369 ) 56,534 Mortgage-backed securities 96,790 - (10,762 ) 86,028 Money market investments 1,833 - - 1,833 Corporate bonds and other securities 27,990 - (3,849 ) 24,141 $ 235,570 $ 83 $ (25,092 ) $ 210,561 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
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities by contractual maturity are shown below. June 30, 2023 Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 1,860 $ 1,816 Due after one year through five years 15,025 14,212 Due after five through ten years 64,652 55,890 Due after ten years 152,200 136,810 Other securities, restricted 1,833 1,833 $ 235,570 $ 210,561
Net Realized Gains or Losses on Sale of Investments	The following table shows realized gains or losses on the sale of investment securities during the three and six months ended June 30, 2023 and 2022, respectively. Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2023 2022 2023 2022 Securities Available-for-sale Realized losses on sales of securities (164 ) - $ (164 ) $ - Net realized loss $ (164 ) $ - $ (164 ) $ -
Available-for-Sale Securities, Continuous Unrealized Loss Position	The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an allowance for credit losses has not been recorded as of June 30, 2023 and that are deemed to be temporarily impaired as of December 31, 2022, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of the dates indicated: June 30, 2023 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value Securities U.S. Treasury securities $ - $ - $ 283 $ 3,800 $ 283 $ 3,800 2 Obligations of U.S. Government agencies 17 5,215 812 27,186 829 32,401 44 Obligations of state and political subdivisions 286 1,521 9,083 54,013 9,369 55,534 52 Mortgage-backed securities 532 12,139 10,230 73,888 10,762 86,027 43 Corporate bonds and other securities 231 2,259 3,618 20,882 3,849 23,141 25 Total securities available-for-sale $ 1,066 $ 21,134 $ 24,026 $ 179,769 $ 25,092 $ 200,903 166 December 31, 2022 Less than 12 months 12 months or more Total Gross Gross Gross Number Unrealized Fair Unrealized Fair Unrealized Fair of (Dollars in thousands) Losses Value Losses Value Losses Value Securities U.S. Treasury securities $ 342 $ 7,671 $ - $ - $ 342 $ 7,671 4 Obligations of U.S. Government agencies 258 13,873 975 22,851 1,233 36,724 43 Obligations of state and political subdivisions 5,386 33,720 5,721 23,856 11,107 57,576 56 Mortgage-backed securities 4,157 52,717 6,804 36,196 10,961 88,913 38 Corporate bonds and other securities 1,084 12,906 1,571 11,429 2,655 24,335 21 Total securities available-for-sale $ 11,227 $ 120,887 $ 15,071 $ 94,332 $ 26,298 $ 215,219 162

Loans and the Allowance for C_2

Loans and the Allowance for Credit Losses on Loans (Tables)	6 Months Ended
	Jun. 30, 2023
Loans and the Allowance for Credit Losses on Loans [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: June 30, December 31, (dollars in thousands) 2023 2022 Mortgage loans on real estate: Residential 1-4 family $ 182,129 $ 169,248 Commercial - owner occupied 166,703 184,586 Commercial - non-owner occupied 274,453 245,277 Multifamily 32,329 26,675 Construction and land development 94,421 77,944 Second mortgages 9,631 8,828 Equity lines of credit 53,844 54,340 Total mortgage loans on real estate 813,510 766,898 Commercial and industrial loans 74,663 72,578 Consumer automobile loans 181,939 163,018 Other consumer loans 21,155 22,251 Other (1) 3,349 2,340 Total loans, net of deferred fees (2) 1,094,616 1,027,085 Less: Allowance for credit losses on loans 11,651 10,526 Loans, net of allowance and deferred fees (2) $ 1,082,965 $ 1,016,559 (1) Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts, excluding internal use accounts, totaled $243 thousand and $269 thousand at June 30, 2023 and December 31, 2022, respectively. (2) Net deferred loan fees totaled $1.3 million on June 30, 2023 and $1.0 million on December 31, 2022.
Past Due Loans	The following table shows the aging of the Company’s loan portfolio, by class, at June 30, 2023. Age Analysis of Past Due Loans as of June 30, 2023 (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 $ - $ - $ 350 $ 148 $ 181,631 $ 182,129 Commercial - owner occupied - - - - 166,703 166,703 Commercial - non-owner occupied - - - - 274,453 274,453 Multifamily - - - - 32,329 32,329 Construction and land development - - - 87 94,334 94,421 Second mortgages - - - - 9,631 9,631 Equity lines of credit 56 47 - - 53,741 53,844 Total mortgage loans on real estate $ 56 $ 47 $ 350 $ 235 $ 812,822 $ 813,510 Commercial and industrial loans 358 236 494 - 73,575 74,663 Consumer automobile loans 1,452 296 286 - 179,905 181,939 Other consumer loans 128 232 78 - 20,717 21,155 Other 31 - - - 3,318 3,349 Total $ 2,025 $ 811 $ 1,208 $ 235 $ 1,090,337 $ 1,094,616 (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. The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2022. 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 and land development - - - 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.
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due	The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2023 as well as the amortized cost basis of loans on nonaccrual status and loans past due 90 days and accruing as of June 30, 2023 by class of loan. Nonaccrual (dollars in thousands) January 1, 2023 June 30, 2023 Nonaccrual with no ACLL 90 Days and still Accruing Mortgage loans on real estate: Residential 1-4 family $ 154 $ 148 $ - $ 350 Construction and land development 945 87 87 - Equity lines of credit - - - - Total mortgage loans on real estate 1,099 235 87 350 Commercial and industrial loans 144 - - 494 Consumer automobile loans - - - 286 Other consumer loans - - - 78 Total $ 1,243 $ 235 $ 87 $ 1,208
Allowance for Credit Losses by Segment	The following tables presents the activity in the ACLL by portfolio class for the six months ended June 30, 2023. ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS For the Six Months ended June 30, 2023 (Dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial Consumer (2) Other Unallocated Total Allowance for credit losses on loans: Balance, beginning $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Day 1 impact of adoption of CECL (11 ) 19 87 1,048 (365 ) (137 ) - 641 Charge-offs (51 ) - - - (534 ) (169 ) - (754 ) Recoveries 12 - 20 - 312 21 - 365 Provision for credit losses 43 136 198 162 112 228 (6 ) 873 Ending Balance $ 666 $ 707 $ 2,880 $ 5,709 $ 1,590 $ 99 $ - $ 11,651 Individually evaluated $ - $ - $ 16 $ - $ - $ - $ - $ 16 Collectively evaluated 666 707 2,864 5,709 1,590 99 - 11,635 Ending Balance $ 666 $ 707 $ 2,880 $ 5,709 $ 1,590 $ 99 $ - $ 11,651 Loans Balances: Individually evaluated - 160 421 - - - - 581 Collectively evaluated 74,663 94,261 277,512 441,156 203,094 3,349 - 1,094,035 Ending Balance $ 74,663 $ 94,421 $ 277,933 $ 441,156 $ 203,094 $ 3,349 $ - $ 1,094,616 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans. The following tables presents the activity in the ACLL by portfolio segment for the year ended December 31, 2022. 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 (1) The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit. (2) The consumer segment includes consumer automobile loans.
Breakdown of Provision for Credit Losses	The following table presents a breakdown of the provision for credit losses for the periods indicated. Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2023 2022 2023 2022 Provision for credit losses: Provision for loans $ 310 $ 570 $ 873 $ 671 Provision (recovery) for unfunded commitments 51 - (136 ) - Total $ 361 $ 570 $ 737 $ 671
Risk Category Loans by Class of Loans	The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated: June 30, 2023 Term Loans Amortized Cost Basis by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Total Construction and land development Pass $ 21,278 $ 40,516 $ 23,996 $ 4,706 $ 305 $ 3,402 $ 131 $ 94,334 OAEM - - - - - - - - Substandard - - - - - 87 - 87 Total Construction $ 21,278 $ 40,516 $ 23,996 $ 4,706 $ 305 $ 3,489 $ 131 $ 94,421 Commercial Real Estate - Owner Occupied Pass $ 1,628 $ 32,346 $ 36,824 $ 14,141 $ 12,892 $ 62,658 $ 1,346 $ 161,835 OAEM - - - - 255 4,613 - 4,868 Substandard - - - - - - - - Total Commercial Real Estate - Owner Occupied $ 1,628 $ 32,346 $ 36,824 $ 14,141 $ 13,147 $ 67,271 $ 1,346 $ 166,703 Commercial Real Estate - Non-Owner Occupied Pass $ 23,058 $ 55,511 $ 86,192 $ 39,858 $ 11,541 $ 58,278 $ 15 $ 274,453 OAEM - - - - - - - - Substandard - - - - - - - - Total Commercial Real Estate - Non-Owner Occupied $ 23,058 $ 55,511 $ 86,192 $ 39,858 $ 11,541 $ 58,278 $ 15 $ 274,453 Commercial and Industrial Pass $ 14,941 $ 33,202 $ 5,569 $ 3,070 $ 4,729 $ 154 $ 12,998 $ 74,663 OAEM - - - - - - - - Substandard - - - - - - - - Total Commercial and Industrial $ 14,941 $ 33,202 $ 5,569 $ 3,070 $ 4,729 $ 154 $ 12,998 $ 74,663 Multifamily Real Estate Pass $ 9,724 $ 3,774 $ 2,185 $ 792 $ 6,061 $ 7,018 $ 2,775 $ 32,329 OAEM - - - - - - - - Substandard - - - - - - - - Total Multifamily Real Estate $ 9,724 $ 3,774 $ 2,185 $ 792 $ 6,061 $ 7,018 $ 2,775 $ 32,329 Residential 1-4 Family Pass $ 19,258 $ 35,860 $ 40,145 $ 27,618 $ 13,685 $ 55,485 $ 53,212 $ 245,263 OAEM - - - - - - - - Substandard - - - 193 - 148 - 341 Total Residential 1-4 Family $ 19,258 $ 35,860 $ 40,145 $ 27,811 $ 13,685 $ 55,633 $ 53,212 $ 245,604 Consumer - Automobile Pass $ 48,565 $ 101,291 $ 16,637 $ 5,616 $ 2,501 $ 7,329 $ - $ 181,939 OAEM - - - - - - - - Substandard - - - - - - - - Total Consumer - Automobile $ 48,565 $ 101,291 $ 16,637 $ 5,616 $ 2,501 $ 7,329 $ - $ 181,939 Consumer - Other Pass $ 321 $ 1,583 $ 589 $ 169 $ 345 $ 15,936 $ 2,212 $ 21,155 OAEM - - - - - - - - Substandard - - - - - - - - Total Consumer - Other $ 321 $ 1,583 $ 589 $ 169 $ 345 $ 15,936 $ 2,212 $ 21,155 Other Pass $ 2,453 $ - $ 309 $ - $ - $ 587 $ - $ 3,349 OAEM - - - - - - - - Substandard - - - - - - - - Total Other $ 2,453 $ - $ 309 $ - $ - $ 587 $ - $ 3,349 Total Loans Pass $ 141,226 $ 304,083 $ 212,446 $ 95,970 $ 52,059 $ 210,847 $ 72,689 $ 1,089,320 OAEM - - - - 255 4,613 - 4,868 Substandard - - - 193 - 235 - 428 Total Loans $ 141,226 $ 304,083 $ 212,446 $ 96,163 $ 52,314 $ 215,695 $ 72,689 $ 1,094,616 The following table details the current period gross charge-offs of loans by year of origination as of June 30, 2023: June 30, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and Industrial $ - $ 51 $ - $ - $ - $ - $ - $ 51 Consumer - Automobile - 265 142 45 18 49 - 519 Consumer - Other - - 5 - 3 7 - 15 Other (1) 147 22 - - - - - 169 Total $ 147 $ 338 $ 147 $ 45 $ 21 $ 56 $ - $ 754 (1) Gross charge-offs of other loans for the first six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023. The following tables present credit quality exposures by internally assigned risk ratings as of December 31, 2022: 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
Impaired Loans by Class	As of December 31, 2022, the Company measured the amount of impairment by evaluating loans either in their collective homogenous pools or individually. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the period presented. The average balances are calculated based on daily average balances. Impaired Loans by Class 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

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
Information About Leases	The right-of-use asset and lease liability are included in other assets other liabilities (dollars in thousands) June 30, 2023 Lease liabilities $ 1,451 Right-of-use assets $ 1,377 Weighted average remaining lease term 3.91 years Weighted average discount rate 2.94 %
Lease Cost	Three Months Ended June 30, Six Months June 30, Lease cost 2023 2022 2023 2022 Operating lease cost $ 101 $ 82 $ 202 $ 164 Total lease cost $ 101 $ 82 $ 202 $ 164 Cash paid for amounts included in the measurement of lease liabilities $ 112 $ 85 $ 203 $ 169
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 June 30, 2023 Six months ending December 31, 2023 $ 214 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 $ 1,554 Discount (103 ) Lease liabilities $ 1,451

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	6 Months Ended
	Jun. 30, 2023
Low-Income Housing Tax Credits [Abstract]
Tax Credits and Other Tax Benefits Recognized Related to Investments	The table below summarizes the tax credits and other tax benefits recognized by the Company related to these investments during the periods indicated: Three Months Ended Six June 30 June 30 Affected Line Item on (dollars in thousands) 2023 2022 2023 2022 Consolidated Income Statement Tax credits and other benefits Amortization of operating losses $ 92 $ 51 $ 184 $ 102 ATM and other losses Tax benefit of operating losses* 19 11 39 21 Income tax expense Tax credits 78 89 155 178 Income tax expense Total tax benefits $ 97 $ 100 $ 194 $ 199 * Computed using a 21% tax rate.

Borrowings (Tables)

Borrowings (Tables)	6 Months Ended
	Jun. 30, 2023
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) June 30, 2023 December 31, 2022 Federal funds purchased $ - $ 11,378 Overnight repurchase agreements 4,500 4,987 Federal Home Loan Bank advances 49,450 46,100 Total short-term borrowings $ 53,950 $ 62,465 Maximum month-end outstanding balance $ 96,142 $ 62,465 Average outstanding balance during the period $ 62,730 $ 11,776 Average interest rate (year-to-date) 4.60 % 2.34 % Average interest rate at end of period 4.99 % 4.58 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2023
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 June 30, 2023 and December 31, 2022: June 30, December 31, (dollars in thousands) 2023 2022 Commitments to extend credit: Home equity lines of credit $ 93,264 $ 87,722 Commercial real estate, construction and development loans committed but not funded 85,998 67,107 Other lines of credit (principally commercial) 48,629 51,742 Total $ 227,891 $ 206,571 Letters of credit $ 776 $ 904

Share-Based Compensation (Table

Share-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2023
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the three months ended June 30, 2023 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, January 1, 2023 46,989 $ 22.49 Issued 35,013 17.20 Vested (22,003 ) 19.86 Forfeited - - Nonvested, June 30, 2023 59,999 $ 20.37

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	6 Months Ended
	Jun. 30, 2023
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts Reclassified Out of Accumulated Other Comprehensive Loss, by Category	The following tables present amounts reclassified out of accumulated other comprehensive income (loss), by category, during the periods indicated: Three Months Ended Six Months Ended June 30, June 30, Affected Line Item on Consolidated Statement of Income (dollars in thousands) 2023 2022 2023 2022 Available-for-sale securities Realized loss on sale of securities $ (164 ) $ - $ (164 ) $ - Loss on sale of available-for-sale securities, net Tax effect (34 ) - (34 ) - Income tax benefit $ (130 ) $ - $ (130 ) $ -
Changes in Accumulated Other Comprehensive Income (Loss), by Category	The following tables present the changes in accumulated other comprehensive income (loss), by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Three Months Ended June 30 2023 Balance at beginning of period $ (18,435 ) $ (18,435 ) Net other comprehensive loss (1,322 ) (1,322 ) Balance at end of period $ (19,757 ) $ (19,757 ) Three Months Ended June 30 2022 Balance at beginning of period $ (9,458 ) $ (9,458 ) Net other comprehensive loss (6,392 ) (6,392 ) Balance at end of period $ (15,850 ) $ (15,850 ) (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Six June 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive income 1,010 1,010 Balance at end of period $ (19,757 ) $ (19,757 ) Six June 30 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (17,525 ) (17,525 ) Balance at end of period $ (15,850 ) $ (15,850 )
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,838 ) $ (386 ) $ (1,452 ) Reclassification adjustment for losses recognized in income 164 (34 ) 130 (1,674 ) (420 ) (1,322 ) Total change in accumulated other comprehensive loss, net $ (1,674 ) $ (420 ) $ (1,322 ) Three Months Ended June 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (8,091 ) $ (1,699 ) $ (6,392 ) Total change in accumulated other comprehensive loss, net $ (8,091 ) $ (1,699 ) $ (6,392 ) Six Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,114 $ 234 $ 880 Reclassification adjustment for losses recognized in income 164 (34 ) 130 1,278 200 1,010 Total change in accumulated other comprehensive income, net $ 1,278 $ 200 $ 1,010 Six Months Ended June 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (22,183 ) $ (4,658 ) $ (17,525 ) Total change in accumulated other comprehensive loss, net $ (22,183 ) $ (4,658 ) $ (17,525 ) Earnings Per Common Share
Computation of Earnings Per Share	The following is a reconciliation of the denominators of the basic and diluted EPS computations for the three and six months ended June 30, 2023 and 2022: (dollars in thousands except per share data) Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Three Months Ended June 30 2023 Net income, basic $ 1,802 5,023 $ 0.36 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 1,802 5,024 $ 0.36 Three Months Ended June 30 2022 Net income, basic $ 1,892 5,087 $ 0.37 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 1,892 5,087 $ 0.37 Six June 30 2023 Net income, basic $ 4,885 5,011 $ 0.97 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 4,885 5,012 $ 0.97 Six June 30 2022 Net income, basic $ 3,923 5,136 $ 0.76 Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,923 5,136 $ 0.76

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2023
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 June 30, 2023 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets: Available-for-sale securities U.S. Treasury securities $ 3,800 $ - $ 3,800 $ - Obligations of U.S. Government agencies 38,225 - 38,225 - Obligations of state and political subdivisions 56,534 - 56,534 - Mortgage-backed securities 86,028 - 86,028 - Money market investments 1,833 - 1,833 - Corporate bonds and other securities 24,141 - 24,141 - Total available-for-sale securities 210,561 - 210,561 - Derivatives Interest rate lock 30 - 30 - Interest rate swap on loans 1,508 - 1,508 - Total assets $ 212,099 $ - $ 212,099 $ - Liabilities: Derivatives Interest rate swap on loans 1,508 - 1,508 - Total liabilities $ 1,508 $ - $ 1,508 $ - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Balance Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Available-for-sale securities U.S. Treasury securities $ 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 $ -
Assets Measured at Fair Value on Nonrecurring Basis	The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan’s expected future cash flows, discounted at the loan’s effective interest rate rather than at a market rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the tables below. Carrying Value at June 30, 2023 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Loans Loans held for sale $ 1,017 $ - $ 1,017 $ - Carrying Value at December 31, 2022 (dollars in thousands) Fair Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans Mortgage loans on real estate: Construction $ 110 $ - $ - $ 110 Total $ 110 $ - $ - $ 110 Loans Loans held for sale $ 421 $ - $ 421 $ -
Fair Value Inputs, Assets, Quantitative Information	The following table displays quantitative information about Level 3 Fair Value Measurements as of December 31, 2022. 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 $ 110 Market comparables Selling costs 3.00% -8.00% (7.25 %)
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 June 30, 2023 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 54,163 $ 54,163 $ - $ - Securities available-for-sale 210,561 - 210,561 - Restricted securities 4,559 - 4,559 - Loans held for sale 1,017 - 1,017 - Loans, net 1,082,965 - - 1,039,358 Derivatives Interest rate lock 30 - 30 - Interest rate swap on loans 1,508 - 1,508 - Bank owned life insurance 34,563 - 34,563 - Accrued interest receivable 4,426 - 4,426 - Liabilities Deposits $ 1,228,715 $ - $ 1,228,032 $ - Overnight repurchase agreements 4,500 - 4,500 - Federal Home Loan Bank advances 69,450 - 69,450 - Long term borrowings 29,603 - 24,686 - Derivatives Interest rate swap on loans 1,508 - 1,508 - Accrued interest payable 1,711 - 1,711 - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Significant Other Observable Inputs Significant Unobservable Inputs Assets Cash and cash equivalents $ 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 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 $ - $ 1,156,019 $ - Federal funds purchased 11,378 - 11,378 - Overnight repurchase agreements 4,987 - 4,987 - Federal Reserve Bank borrowings 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 -

Segment Reporting (Tables)

Segment Reporting (Tables)	6 Months Ended
	Jun. 30, 2023
Segment Reporting [Abstract]
Reconciliation of Assets and Revenues from Segment to Consolidated	Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the three and six months ended June 30, 2023 and 2022 follows: Three Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 16,312 $ 35 $ 2,296 $ (2,296 ) $ 16,347 Income from fiduciary activities - 1,154 - - 1,154 Other income 2,139 200 50 (66 ) 2,323 Total operating income 18,451 1,389 2,346 (2,362 ) 19,824 Expenses Interest expense 3,953 - 295 - 4,248 Provision for credit losses 361 - - - 361 Salaries and employee benefits 6,745 1,099 199 - 8,043 Other expenses 4,648 341 181 (66 ) 5,104 Total operating expenses 15,707 1,440 675 (66 ) 17,756 Income before taxes 2,744 (51) 1,671 (2,296 ) 2,068 Income tax expense (benefit) 406 (9) (131 ) - 266 Net income $ 2,338 $ (42) $ 1,802 $ (2,296 ) $ 1,802 Capital expenditures $ 357 $ - $ - $ - $ 357 Total assets $ 1,434,600 $ 7,016 $ 132,503 $ (131,060 ) $ 1,443,059 Three Months Ended June 30, 2022 (dollars in thousands) Bank Wealth Management Parent Eliminations Consolidated Revenues Interest and dividend income $ 11,068 $ 17 $ 2,381 $ (2,381 ) $ 11,085 Income from fiduciary activities - 1,061 - - 1,061 Other income 2,130 325 50 (66 ) 2,439 Total operating income 13,198 1,403 2,431 (2,447 ) 14,585 Expenses Interest expense 469 - 295 - 764 Provision for credit losses 570 - - - 570 Salaries and employee benefits 5,542 893 176 - 6,611 Other expenses 4,062 285 198 (66 ) 4,479 Total operating expenses 10,643 1,178 669 (66 ) 12,424 Income before taxes 2,555 225 1,762 (2,381 ) 2,161 Income tax expense (benefit) 352 47 (130 ) - 269 Net income $ 2,203 $ 178 $ 1,892 $ (2,381 ) $ 1,892 Capital expenditures $ 404 $ - $ - $ - $ 404 Total assets $ 1,306,972 $ 7,283 $ 131,174 $ (130,545 ) $ 1,314,884 Six Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 31,433 $ 67 $ 5,801 $ (5,801 ) $ 31,500 Income from fiduciary activities - 2,270 - - 2,270 Other income 4,205 454 100 (131 ) 4,628 Total operating income 35,638 2,791 5,901 (5,932 ) 38,398 Expenses Interest expense 5,998 - 590 - 6,588 Provision for credit losses 737 - - - 737 Salaries and employee benefits 12,830 2,173 403 - 15,406 Other expenses 9,129 645 266 (131 ) 9,909 Total operating expenses 28,694 2,818 1,259 (131 ) 32,640 Income before taxes 6,944 (27 ) 4,642 (5,801 ) 5,758 Income tax expense (benefit) 1,119 (3 ) (243 ) - 873 Net income $ 5,825 $ (24 ) $ 4,885 $ (5,801 ) $ 4,885 Capital expenditures $ 487 $ - $ - $ - $ 487 Total assets $ 1,434,600 $ 7,016 $ 132,503 $ (131,060 ) $ 1,443,059 Six Months Ended June 30, 2022 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 21,524 $ 31 $ 4,858 $ (4,858 ) $ 21,555 Income from fiduciary activities - 2,133 - - 2,133 Other income 4,309 604 100 (131 ) 4,882 Total operating income 25,833 2,768 4,958 (4,989 ) 28,570 Expenses Interest expense 1,007 - 590 - 1,597 Provision for credit losses 671 - - - 671 Salaries and employee benefits 10,971 1,741 321 - 13,033 Other expenses 7,950 579 372 (131 ) 8,770 Total operating expenses 20,599 2,320 1,283 (131 ) 24,071 Income before taxes 5,234 448 3,675 (4,858 ) 4,499 Income tax expense (benefit) 729 95 (248 ) - 576 Net income $ 4,505 $ 353 $ 3,923 $ (4,858 ) $ 3,923 Capital expenditures $ 601 $ - $ - $ - $ 601 Total assets $ 1,306,972 $ 7,283 $ 131,174 $ (130,545 ) $ 1,314,884

Description of Business and S_4

Description of Business and Summary of Significant Accounting Policies, The Company (Details)	Jun. 30, 2023 Branch Subsidiary
THE COMPANY [Abstract]
Number of wholly-owned subsidiaries | Subsidiary	2
Number of branch offices | Branch	14

Description of Business and S_5

Description of Business and Summary of Significant Accounting Policies, Impact of ASU 326 Adoption (Details) - USD ($) $ in Thousands		Jun. 30, 2023	Dec. 31, 2022	Dec. 31, 2021
Impact of ASU 326 Adoption [Abstract]
Net decrease to retained earnings		$ (80,636)	$ (78,147)
Allowance for Credit Losses		11,651	10,526	$ 9,865
Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses		666	673	683
Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses		707	552	459
Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses	[1]	2,880	2,575	2,390
Real Estate [Member] | Commercial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses		5,709	4,499	4,787
Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses	[2]	1,590	2,065	1,362
Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses		99	156	184
Unfunded Credit Exposure [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses		0	6	$ 0
Accounting Standards Update 2016-13 [Member]
Impact of ASU 326 Adoption [Abstract]
Total Allowance for Credit Losses			11,568
Accounting Standards Update 2016-13 [Member] | Unfunded Credit Exposure [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on unfunded credit exposure			401
Accounting Standards Update 2016-13 [Member] | Loans [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			11,167
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			662
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			571
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			2,662
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Real Estate [Member] | Commercial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			5,547
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			1,700
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			25
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member]
Impact of ASU 326 Adoption [Abstract]
Total Allowance for Credit Losses			10,577
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Unfunded Credit Exposure [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on unfunded credit exposure			51
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			10,526
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member] | Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			673
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member] | Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			552
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member] | Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			2,575
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member] | Real Estate [Member] | Commercial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			4,499
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member] | Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			2,065
Accounting Standards Update 2016-13 [Member] | Previously Reported [Member] | Loans [Member] | Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			162
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member]
Impact of ASU 326 Adoption [Abstract]
Net decrease to retained earnings		$ (991)
Allowance for Credit Losses			641
Total Allowance for Credit Losses			991
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			(11)
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			19
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses	[1]		87
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Real Estate [Member] | Commercial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			1,048
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses	[2]		(365)
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			(137)
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Unfunded Credit Exposure [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			0
Allowance for credit losses on unfunded credit exposure			350
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			641
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member] | Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			(11)
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member] | Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			19
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member] | Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			87
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member] | Real Estate [Member] | Commercial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			1,048
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member] | Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			(365)
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member] | Loans [Member] | Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for Credit Losses			$ (137)
[1]The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit.[2]The consumer segment includes consumer automobile loans.

Description of Business and S_6

Description of Business and Summary of Significant Accounting Policies, Loans Held for Investment (Details)	6 Months Ended
	Jun. 30, 2023
Commercial Loans [Member]
Financing Receivable, Past Due [Line Items]
Contractually past due period for loans determined to be non-accrual status	90 days
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Contractually past due period for loans determined to be non-accrual status	120 days

Description of Business and S_7

Description of Business and Summary of Significant Accounting Policies, Allowance for Credit Losses on Loans (Details)	6 Months Ended
	Jun. 30, 2023
Description of Business and Summary of Significant Accounting Policies [Abstract]
Term of reasonable and supportable economic forecast period	1 year
Term of straight line reversion period	1 year

Description of Business and S_8

Description of Business and Summary of Significant Accounting Policies, Accrued Interest Receivable (Details) $ in Millions	Jun. 30, 2023 USD ($)
Description of Business and Summary of Significant Accounting Policies [Abstract]
Accrued interest receivable, included in other assets	$ 3.1

Securities, Amortized Costs and

Securities, Amortized Costs and Fair Values with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 235,570	$ 251,806
Gross unrealized gains	83	10
Gross unrealized (losses)	(25,092)	(26,298)
Fair value	210,561	225,518
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	4,083	8,013
Gross unrealized gains	0	0
Gross unrealized (losses)	(283)	(342)
Fair value	3,800	7,671
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	38,984	43,622
Gross unrealized gains	70	10
Gross unrealized (losses)	(829)	(1,233)
Fair value	38,225	42,399
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	65,890	70,491
Gross unrealized gains	13	0
Gross unrealized (losses)	(9,369)	(11,107)
Fair value	56,534	59,384
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	96,790	99,874
Gross unrealized gains	0	0
Gross unrealized (losses)	(10,762)	(10,961)
Fair value	86,028	88,913
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	1,833	1,816
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	1,833	1,816
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	27,990	27,990
Gross unrealized gains	0	0
Gross unrealized (losses)	(3,849)	(2,655)
Fair value	$ 24,141	$ 25,335

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 1,860
Due after one year through five years	15,025
Due after five through ten years	64,652
Due after ten years	152,200
Other securities, restricted	1,833
Amortized Cost	235,570	$ 251,806
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	1,816
Due after one year through five years	14,212
Due after five through ten years	55,890
Due after ten years	136,810
Other securities, restricted	1,833
Fair Value	$ 210,561	$ 225,518

Securities, Net Realized Gains

Securities, Net Realized Gains or Losses on Sale of Investments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Securities Available-for-sale [Abstract]
Realized losses on sales of securities	$ (164)	$ 0	$ (164)	$ 0
Net realized loss	$ (164)	$ 0	$ (164)	$ 0

Securities, Individual Securiti

Securities, Individual Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Jun. 30, 2023 USD ($) Security	Dec. 31, 2022 USD ($) Security
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 1,066	$ 11,227
12 months or more	24,026	15,071
Total	25,092	26,298
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	21,134	120,887
12 months or more	179,769	94,332
Total	$ 200,903	$ 215,219
Number of securities | Security	166	162
Securities Available-for-Sale, Number of Securities [Abstract]
Allowance for credit loss	$ 0	$ 0
U.S. Treasury Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	0	342
12 months or more	283	0
Total	283	342
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	7,671
12 months or more	3,800	0
Total	$ 3,800	$ 7,671
Number of securities | Security	2	4
Obligations of U.S. Government Agencies [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 17	$ 258
12 months or more	812	975
Total	829	1,233
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	5,215	13,873
12 months or more	27,186	22,851
Total	$ 32,401	$ 36,724
Number of securities | Security	44	43
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 286	$ 5,386
12 months or more	9,083	5,721
Total	9,369	11,107
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	1,521	33,720
12 months or more	54,013	23,856
Total	$ 55,534	$ 57,576
Number of securities | Security	52	56
Mortgage-backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 532	$ 4,157
12 months or more	10,230	6,804
Total	10,762	10,961
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	12,139	52,717
12 months or more	73,888	36,196
Total	$ 86,027	$ 88,913
Number of securities | Security	43	38
Corporate Bonds and Other Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 231	$ 1,084
12 months or more	3,618	1,571
Total	3,849	2,655
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	2,259	12,906
12 months or more	20,882	11,429
Total	$ 23,141	$ 24,335
Number of securities | Security	25	21

Loans and the Allowance for C_3

Loans and the Allowance for Credit Losses on Loans, Outstanding Loans By Segment Type (Details) - USD ($) $ in Thousands		Jun. 30, 2023	Dec. 31, 2022	Dec. 31, 2021
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[1]	$ 1,094,616	$ 1,027,085
Less: Allowance for credit losses on loans		11,651	10,526	$ 9,865
Loans, net of allowance and deferred fees	[1]	1,082,965	1,016,559
Overdrawn deposit accounts, excluding internal use accounts		243	269
Net deferred loan fees		1,300	1,000
Mortgage Loans on Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		813,510	766,898
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		182,129	169,248
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		441,156	429,863
Less: Allowance for credit losses on loans		5,709	4,499	4,787
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		166,703	184,586
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		274,453	245,277
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		32,329	26,675
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		94,421	77,944
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		9,631	8,828
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		53,844	54,340
Commercial and Industrial Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		74,663	72,578
Less: Allowance for credit losses on loans		666	673	683
Consumer [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[2]	203,094	185,269
Less: Allowance for credit losses on loans	[2]	1,590	2,065	1,362
Consumer [Member] | Consumer Automobile Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		181,939	163,018
Consumer [Member] | Other Consumer Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		21,155	22,251
Other [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[3]	3,349	2,340
Less: Allowance for credit losses on loans		99	$ 156	$ 184
Overdrawn deposit accounts, excluding internal use accounts		$ 147
[1]Net deferred loan fees totaled $1.3 million on June 30, 2023 and $1.0 million on December 31, 2022.[2]The consumer segment includes consumer automobile loans.[3]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $243 thousand and $269 thousand at June 30, 2023 and December 31, 2022, respectively.

Loans and the Allowance for C_4

Loans and the Allowance for Credit Losses on Loans, Past Due (Details) - USD ($) $ in Thousands		Jun. 30, 2023	Dec. 31, 2022
Loans, Aging [Abstract]
Loans	[1]	$ 1,094,616	$ 1,027,085
Nonaccrual	[2]	235	1,243
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2,025	2,842
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		811	1,165
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,208	840
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	1,090,337	1,020,995
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		813,510	766,898
Nonaccrual	[2]	235	1,099
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		56	591
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		47	288
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		350	525
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	812,822	764,395
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		182,129	169,248
Nonaccrual	[2]	148	154
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	290
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		350	525
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	181,631	168,279
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Loans, Aging [Abstract]
Loans		441,156	429,863
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		166,703	184,586
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	20
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	166,703	184,566
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		274,453	245,277
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	206
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	274,453	245,071
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		32,329	26,675
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	32,329	26,675
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Loans		94,421	77,944
Nonaccrual	[2]	87	945
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	94,334	76,999
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		9,631	8,828
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	19
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	9,631	8,809
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		53,844	54,340
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		56	56
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		47	288
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	53,741	53,996
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		74,663	72,578
Nonaccrual	[2]	0	144
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		358	221
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		236	284
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		494	23
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	73,575	71,906
Consumer [Member]
Loans, Aging [Abstract]
Loans	[4]	203,094	185,269
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		181,939	163,018
Nonaccrual	[2]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,452	1,538
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		296	221
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		286	212
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	179,905	161,047
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		21,155	22,251
Nonaccrual	[2]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		128	445
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		232	372
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		78	80
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	20,717	21,354
Other [Member]
Loans, Aging [Abstract]
Loans	[5]	3,349	2,340
Nonaccrual	[2]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		31	47
Other [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	$ 3,318	$ 2,293
[1]Net deferred loan fees totaled $1.3 million on June 30, 2023 and $1.0 million on December 31, 2022.[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.[3]For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.[4]The consumer segment includes consumer automobile loans.[5]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $243 thousand and $269 thousand at June 30, 2023 and December 31, 2022, respectively.

Loans and the Allowance for C_5

Loans and the Allowance for Credit Losses on Loans, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands		Jun. 30, 2023	Dec. 31, 2022
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	$ 235	$ 1,243
Nonaccrual with no ACLL		87
90 Days and still Accruing		1,208
Mortgage Loans on Real Estate [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	235	1,099
Nonaccrual with no ACLL		87
90 Days and still Accruing		350
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	148	154
Nonaccrual with no ACLL		0
90 Days and still Accruing		350
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	87	945
Nonaccrual with no ACLL		87
90 Days and still Accruing		0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		0
90 Days and still Accruing		0
Commercial and Industrial Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	0	144
Nonaccrual with no ACLL		0
90 Days and still Accruing		494
Consumer [Member] | Consumer Automobile Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		0
90 Days and still Accruing		286
Consumer [Member] | Other Consumer Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	0	$ 0
Nonaccrual with no ACLL		0
90 Days and still Accruing		$ 78
[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 the Allowance for C_6

Loans and the Allowance for Credit Losses on Loans, Allowance for Credit Losses (Details) $ in Thousands		3 Months Ended		6 Months Ended			12 Months Ended
		Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) Segment		Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Loans and the Allowance for Credit Losses on Loans [Abstract]
Number of primary segments | Segment				2
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				$ 10,526		$ 9,865	$ 9,865
Charge-offs				(754)			(2,022)
Recoveries				365			977
Provision for credit losses		$ 310	$ 570	873		671	1,706
Ending Balance		11,651		11,651			10,526
Individually evaluated for impairment		16		16			30
Collectively evaluated for impairment		11,635		11,635			10,496
Ending Balance		11,651		11,651			10,526
Loans Balances [Abstract]
Individually evaluated for impairment		581		581			1,856
Collectively evaluated for impairment		1,094,035		1,094,035			1,025,229
Ending Balance	[1]	1,094,616		1,094,616			1,027,085
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				641
Ending Balance							641
Ending Balance							641
Commercial and Industrial Loans [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				673		683	683
Charge-offs				(51)			(297)
Recoveries				12			134
Provision for credit losses				43			153
Ending Balance		666		666			673
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		666		666			673
Ending Balance		666		666			673
Loans Balances [Abstract]
Individually evaluated for impairment		0		0			144
Collectively evaluated for impairment		74,663		74,663			72,434
Ending Balance		74,663		74,663			72,578
Commercial and Industrial Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				(11)
Ending Balance							(11)
Ending Balance							(11)
Real Estate [Member]
Loans Balances [Abstract]
Ending Balance		813,510		813,510			766,898
Real Estate [Member] | Construction [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				552		459	459
Charge-offs				0			0
Recoveries				0			0
Provision for credit losses				136			93
Ending Balance		707		707			552
Individually evaluated for impairment		0		0			6
Collectively evaluated for impairment		707		707			546
Ending Balance		707		707			552
Loans Balances [Abstract]
Individually evaluated for impairment		160		160			1,020
Collectively evaluated for impairment		94,261		94,261			76,924
Ending Balance		94,421		94,421			77,944
Real Estate [Member] | Construction [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				19
Ending Balance							19
Ending Balance							19
Real Estate [Member] | Mortgage [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[2]			2,575		2,390	2,390
Charge-offs	[2]			0			(25)
Recoveries	[2]			20			61
Provision for credit losses	[2]			198			149
Ending Balance	[2]	2,880		2,880			2,575
Individually evaluated for impairment	[2]	16		16			21
Collectively evaluated for impairment	[2]	2,864		2,864			2,554
Ending Balance	[2]	2,880		2,880			2,575
Loans Balances [Abstract]
Individually evaluated for impairment	[2]	421		421			279
Collectively evaluated for impairment	[2]	277,512		277,512			258,812
Ending Balance	[2]	277,933		277,933			259,091
Real Estate [Member] | Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[2]			87
Ending Balance	[2]						87
Ending Balance	[2]						87
Real Estate [Member] | Commercial [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				4,499		4,787	4,787
Charge-offs				0			0
Recoveries				0			22
Provision for credit losses				162			(310)
Ending Balance		5,709		5,709			4,499
Individually evaluated for impairment		0		0			3
Collectively evaluated for impairment		5,709		5,709			4,496
Ending Balance		5,709		5,709			4,499
Loans Balances [Abstract]
Individually evaluated for impairment		0		0			413
Collectively evaluated for impairment		441,156		441,156			429,450
Ending Balance		441,156		441,156			429,863
Real Estate [Member] | Commercial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				1,048
Ending Balance							1,048
Ending Balance							1,048
Consumer [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[3]			2,065		1,362	1,362
Charge-offs	[3]			(534)			(1,368)
Recoveries	[3]			312			648
Provision for credit losses	[3]			112			1,423
Ending Balance	[3]	1,590		1,590			2,065
Individually evaluated for impairment	[3]	0		0			0
Collectively evaluated for impairment	[3]	1,590		1,590			2,065
Ending Balance	[3]	1,590		1,590			2,065
Loans Balances [Abstract]
Individually evaluated for impairment	[3]	0		0			0
Collectively evaluated for impairment	[3]	203,094		203,094			185,269
Ending Balance	[3]	203,094		203,094			185,269
Consumer [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[3]			(365)
Ending Balance	[3]						(365)
Ending Balance	[3]						(365)
Other [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				156		184	184
Charge-offs				(169)	[4]		(332)
Recoveries				21			112
Provision for credit losses				228			192
Ending Balance		99		99			156
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		99		99			156
Ending Balance		99		99			156
Loans Balances [Abstract]
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		3,349		3,349			2,340
Ending Balance	[5]	3,349		3,349			2,340
Other [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				(137)
Ending Balance							(137)
Ending Balance							(137)
Unallocated [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				6		$ 0	0
Charge-offs				0			0
Recoveries				0			0
Provision for credit losses				(6)			6
Ending Balance		0		0			6
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		0		0			6
Ending Balance		0		0			6
Loans Balances [Abstract]
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		0		0			0
Ending Balance		$ 0		0			0
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				$ 0
Ending Balance							0
Ending Balance							$ 0
[1]Net deferred loan fees totaled $1.3 million on June 30, 2023 and $1.0 million on December 31, 2022.[2]The real estate-mortgage segment includes residential 1 – 4 family, multi-family, second mortgages and equity lines of credit.[3]The consumer segment includes consumer automobile loans.[4]Gross charge-offs of other loans for the first six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023.[5]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $243 thousand and $269 thousand at June 30, 2023 and December 31, 2022, respectively.

Loans and the Allowance for C_7

Loans and the Allowance for Credit Losses on Loans, Breakdown of Provision for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Provision for Credit Losses [Abstract]
Provision for loans	$ 310	$ 570	$ 873	$ 671	$ 1,706
Provision (recovery) for unfunded commitments	51	0	(136)	0
Total	$ 361	$ 570	$ 737	$ 671

Loans and the Allowance for C_8

Loans and the Allowance for Credit Losses on Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands		6 Months Ended		12 Months Ended
		Jun. 30, 2023		Dec. 31, 2022
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		$ 141,226
2022		304,083
2021		212,446
2020		96,163
2019		52,314
Prior		215,695
Revolving Loans		72,689
Total Loans	[1]	1,094,616		$ 1,027,085
Current Period Charge-offs by Origination Year [Abstract]
2023		147
2022		338
2021		147
2020		45
2019		21
Prior		56
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		754		2,022
Demand deposit overdrafts		243		269
Receivables [Abstract]
Gross loan receivables				1,027,085
Collateral [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans		0
Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		141,226
2022		304,083
2021		212,446
2020		95,970
2019		52,059
Prior		210,847
Revolving Loans		72,689
Total Loans		1,089,320
Receivables [Abstract]
Gross loan receivables				1,025,277
OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		255
Prior		4,613
Revolving Loans		0
Total Loans		4,868
Receivables [Abstract]
Gross loan receivables				285
Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		193
2019		0
Prior		235
Revolving Loans		0
Total Loans		428
Receivables [Abstract]
Gross loan receivables				1,523
Mortgage Loans on Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans		813,510		766,898
Receivables [Abstract]
Gross loan receivables				766,898
Mortgage Loans on Real Estate [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables				765,514
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables				285
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables				1,099
Mortgage Loans on Real Estate [Member] | Construction [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans		94,421		77,944
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs		0		0
Receivables [Abstract]
Gross loan receivables				77,944
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables				76,999
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables				945
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		21,278
2022		40,516
2021		23,996
2020		4,706
2019		305
Prior		3,489
Revolving Loans		131
Total Loans		94,421		77,944
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		21,278
2022		40,516
2021		23,996
2020		4,706
2019		305
Prior		3,402
Revolving Loans		131
Total Loans		94,334
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		87
Revolving Loans		0
Total Loans		87
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans		441,156		429,863
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs		0		0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		1,628
2022		32,346
2021		36,824
2020		14,141
2019		13,147
Prior		67,271
Revolving Loans		1,346
Total Loans		166,703		184,586
Receivables [Abstract]
Gross loan receivables				184,586
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		1,628
2022		32,346
2021		36,824
2020		14,141
2019		12,892
Prior		62,658
Revolving Loans		1,346
Total Loans		161,835
Receivables [Abstract]
Gross loan receivables				184,301
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		255
Prior		4,613
Revolving Loans		0
Total Loans		4,868
Receivables [Abstract]
Gross loan receivables				285
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		23,058
2022		55,511
2021		86,192
2020		39,858
2019		11,541
Prior		58,278
Revolving Loans		15
Total Loans		274,453		245,277
Receivables [Abstract]
Gross loan receivables				245,277
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		23,058
2022		55,511
2021		86,192
2020		39,858
2019		11,541
Prior		58,278
Revolving Loans		15
Total Loans		274,453
Receivables [Abstract]
Gross loan receivables				245,277
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		9,724
2022		3,774
2021		2,185
2020		792
2019		6,061
Prior		7,018
Revolving Loans		2,775
Total Loans		32,329		26,675
Receivables [Abstract]
Gross loan receivables				26,675
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		9,724
2022		3,774
2021		2,185
2020		792
2019		6,061
Prior		7,018
Revolving Loans		2,775
Total Loans		32,329
Receivables [Abstract]
Gross loan receivables				26,675
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		19,258
2022		35,860
2021		40,145
2020		27,811
2019		13,685
Prior		55,633
Revolving Loans		53,212
Total Loans		245,604
Receivables [Abstract]
Gross loan receivables				169,248
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		19,258
2022		35,860
2021		40,145
2020		27,618
2019		13,685
Prior		55,485
Revolving Loans		53,212
Total Loans		245,263
Receivables [Abstract]
Gross loan receivables				169,094
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		193
2019		0
Prior		148
Revolving Loans		0
Total Loans		341
Receivables [Abstract]
Gross loan receivables				154
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans		9,631		8,828
Receivables [Abstract]
Gross loan receivables				8,828
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables				8,828
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans		53,844		54,340
Receivables [Abstract]
Gross loan receivables				54,340
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Pass [Member]
Receivables [Abstract]
Gross loan receivables				54,340
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | OAEM [Member]
Receivables [Abstract]
Gross loan receivables				0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Substandard [Member]
Receivables [Abstract]
Gross loan receivables				0
Commercial and Industrial Loans [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		14,941
2022		33,202
2021		5,569
2020		3,070
2019		4,729
Prior		154
Revolving Loans		12,998
Total Loans		74,663		72,578
Current Period Charge-offs by Origination Year [Abstract]
2023		0
2022		51
2021		0
2020		0
2019		0
Prior		0
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		51		297
Receivables [Abstract]
Gross loan receivables				72,578
Commercial and Industrial Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		14,941
2022		33,202
2021		5,569
2020		3,070
2019		4,729
Prior		154
Revolving Loans		12,998
Total Loans		74,663
Receivables [Abstract]
Gross loan receivables				72,434
Commercial and Industrial Loans [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Commercial and Industrial Loans [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				144
Consumer [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total Loans	[2]	203,094		185,269
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs	[2]	534		1,368
Consumer [Member] | Consumer Automobile [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		48,565
2022		101,291
2021		16,637
2020		5,616
2019		2,501
Prior		7,329
Revolving Loans		0
Total Loans		181,939		163,018
Current Period Charge-offs by Origination Year [Abstract]
2023		0
2022		265
2021		142
2020		45
2019		18
Prior		49
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		519
Receivables [Abstract]
Gross loan receivables				163,018
Consumer [Member] | Consumer Automobile [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		48,565
2022		101,291
2021		16,637
2020		5,616
2019		2,501
Prior		7,329
Revolving Loans		0
Total Loans		181,939
Receivables [Abstract]
Gross loan receivables				162,738
Consumer [Member] | Consumer Automobile [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Consumer [Member] | Consumer Automobile [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				280
Consumer [Member] | Other Consumer Loans [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		321
2022		1,583
2021		589
2020		169
2019		345
Prior		15,936
Revolving Loans		2,212
Total Loans		21,155		22,251
Current Period Charge-offs by Origination Year [Abstract]
2023		0
2022		0
2021		5
2020		0
2019		3
Prior		7
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		15
Receivables [Abstract]
Gross loan receivables				22,251
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		321
2022		1,583
2021		589
2020		169
2019		345
Prior		15,936
Revolving Loans		2,212
Total Loans		21,155
Receivables [Abstract]
Gross loan receivables				22,251
Consumer [Member] | Other Consumer Loans [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Consumer [Member] | Other Consumer Loans [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Other [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		2,453
2022		0
2021		309
2020		0
2019		0
Prior		587
Revolving Loans		0
Total Loans	[3]	3,349		2,340
Current Period Charge-offs by Origination Year [Abstract]
2023	[4]	147
2022	[4]	22
2021	[4]	0
2020	[4]	0
2019	[4]	0
Prior	[4]	0
Revolving Loans Amortized Cost Basis	[4]	0
Current period gross charge-offs		169	[4]	332
Demand deposit overdrafts		147
Receivables [Abstract]
Gross loan receivables				2,340
Other [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		2,453
2022		0
2021		309
2020		0
2019		0
Prior		587
Revolving Loans		0
Total Loans		3,349
Receivables [Abstract]
Gross loan receivables				2,340
Other [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		0
Receivables [Abstract]
Gross loan receivables				0
Other [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		0
2020		0
2019		0
Prior		0
Revolving Loans		0
Total Loans		$ 0
Receivables [Abstract]
Gross loan receivables				$ 0
[1]Net deferred loan fees totaled $1.3 million on June 30, 2023 and $1.0 million on December 31, 2022.[2]The consumer segment includes consumer automobile loans.[3]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $243 thousand and $269 thousand at June 30, 2023 and December 31, 2022, respectively.[4]Gross charge-offs of other loans for the first six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023.

Loans and the Allowance for C_9

Loans and the Allowance for Credit Losses on Loans, Impaired Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Receivables [Abstract]
Unpaid Principal Balance	$ 2,180
Recorded Investment, Without Valuation Allowance	1,072
Recorded Investment, With Valuation Allowance	784
Associated Allowance	30
Average Recorded Investment	2,054
Interest Income Recognized	15
Mortgage Loans on Real Estate [Member]
Receivables [Abstract]
Unpaid Principal Balance	2,036
Recorded Investment, Without Valuation Allowance	928
Recorded Investment, With Valuation Allowance	784
Associated Allowance	30
Average Recorded Investment	1,910
Interest Income Recognized	10
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Receivables [Abstract]
Unpaid Principal Balance	285
Recorded Investment, Without Valuation Allowance	44
Recorded Investment, With Valuation Allowance	235
Associated Allowance	21
Average Recorded Investment	282
Interest Income Recognized	7
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Receivables [Abstract]
Unpaid Principal Balance	430
Recorded Investment, Without Valuation Allowance	55
Recorded Investment, With Valuation Allowance	358
Associated Allowance	3
Average Recorded Investment	420
Interest Income Recognized	0
Mortgage Loans on Real Estate [Member] | Construction [Member]
Receivables [Abstract]
Unpaid Principal Balance	1,321
Recorded Investment, Without Valuation Allowance	829
Recorded Investment, With Valuation Allowance	191
Associated Allowance	6
Average Recorded Investment	1,208
Interest Income Recognized	3
Commercial and Industrial Loans [Member]
Receivables [Abstract]
Unpaid Principal Balance	144
Recorded Investment, Without Valuation Allowance	144
Recorded Investment, With Valuation Allowance	0
Associated Allowance	0
Average Recorded Investment	144
Interest Income Recognized	$ 5

Leases, Information About Lease

Leases, Information About Leases (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2023 USD ($) Lease
Assets and Liabilities, Lessee [Abstract]
Number of new leases | Lease	0
Information about Leases [Abstract]
Lease liabilities	$ 1,451
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities
Right-of-use assets	$ 1,377
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets
Weighted average remaining lease term	3 years 10 months 28 days
Weighted average discount rate	2.94%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Lease cost [Abstract]
Operating lease cost	$ 101	$ 82	$ 202	$ 164
Total lease cost	101	82	202	164
Cash paid for amounts included in the measurement of lease liabilities	$ 112	$ 85	$ 203	$ 169

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) $ in Thousands	Jun. 30, 2023 USD ($)
Lease payments due [Abstract]
Six months ending December 31, 2023	$ 214
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	1,554
Discount	(103)
Lease liabilities	$ 1,451

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2023 USD ($) Fund	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) Fund	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($) Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4		4		4
Low-income housing investment		$ 1,200		$ 1,200		$ 1,400
Additional committed capital calls expected		0		0
Tax credits and other benefits [Abstract]
Amortization of operating losses		92	$ 51	184	$ 102
Tax benefit of operating losses	[1]	19	11	39	21
Tax credits		78	89	155	178
Total tax benefits		$ 97	$ 100	$ 194	$ 199
Effective income tax rate				21%
[1]Computed using a 21% tax rate.

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
	Jul. 14, 2021	Jun. 30, 2023	Dec. 31, 2022
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 100,000	$ 103,600
Available credit with FHLB		352,900	346,500
Short-Term Borrowings [Abstract]
Federal funds purchased		0	11,378
Overnight repurchase agreements		4,500	4,987
Federal Home Loan Bank advances		49,450	46,100
Total short-term borrowings		53,950	62,465
Maximum month-end outstanding balance		96,142	62,465
Average outstanding balance during the period		$ 62,730	$ 11,776
Average interest rate (year-to-date)		4.60%	2.34%
Average interest rate at end of period		4.99%	4.58%
Minimum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period		1 day
Maximum [Member]
Borrowings and FHLB Advances [Abstract]
Overnight repurchase agreements maturity period		4 days
Federal Home Loan Bank Advances [Member]
Long-Term Borrowings [Abstract]
Long term borrowings, net of issuance costs		$ 20,000	$ 0
Loan maturity date		Apr. 14, 2025
Interest rate		4.28%
The Notes [Member] | Subordinated Notes [Member]
Long-Term Borrowings [Abstract]
Long term borrowings, net of issuance costs	$ 29,400
Principal amount	$ 30,000
Loan maturity date	Dec. 31, 2031
Interest rate	3.50%
Fixed interest rate, period	5 years
The Notes [Member] | Subordinated Notes [Member] | SOFR [Member]
Long-Term Borrowings [Abstract]
Term of variable rate	3 months
Debt instrument, basis spread on variable rate	2.86%

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 227,891	$ 206,571
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	93,264	87,722
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	85,998	67,107
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	48,629	51,742
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 776	$ 904

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 141	$ 103	$ 248	$ 174
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)			46,989
Issued (in shares)			35,013
Vested (in shares)			(22,003)
Forfeited (in shares)			0
Nonvested balance at end of period (in shares)	59,999		59,999		46,989
Weighted Average Grant Date Fair Value [Abstract]
Non-vested balance at beginning of period (in dollars per share)			$ 22.49
Issued (in dollars per share)			17.2
Vested (in dollars per share)			19.86
Forfeited (in dollars per share)			0
Non-vested balance at end of period (in dollars per share)	$ 20.37		$ 20.37		$ 22.49
Weighted-average remaining vesting period for recognition			1 year 10 months 28 days
Unrecognized stock-based compensation expense	$ 848	$ 663	$ 848	$ 663
2016 Stock Incentive Plan [Member]
Incentive Stock Plan [Abstract]
Shares available for grant (in shares)	300,000		300,000
ESPP [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase			5%
Total stock purchases under the plan (in shares)			3,179
Shares reserved for issuance (in shares)	218,599		218,599
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	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Available-for-sale securities [Abstract]
Realized loss on sale of securities	$ (164)	$ 0	$ (164)	$ 0
Tax effect	(34)	0	(34)	0
Total	$ (130)	$ 0	$ (130)	$ 0

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Stockholders Equity Note [Abstract]
Beginning Balance	$ 102,598	$ 108,099	$ 98,734	$ 120,818
Ending Balance	102,542	101,150	102,542	101,150
Other comprehensive income (Loss), pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax	(1,838)	(8,091)	1,114	(22,183)
Reclassification adjustment for losses recognized in income, pretax	164	0	164	0
Total change in accumulated other comprehensive income (loss), net, pretax	(1,674)	(8,091)	1,278	(22,183)
Other Comprehensive Income (Loss), Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	(386)	(1,699)	234	(4,658)
Reclassification adjustment for losses recognized in income, tax effect	(34)	0	(34)	0
Total change in accumulated other comprehensive income (loss), net, tax effect	(420)	(1,699)	200	(4,658)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Net unrealized gains (losses) on available-for-sale securities	(1,452)	(6,392)	880	(17,525)
Reclassification adjustment for losses recognized in income, net of tax	130	0	130	0
Other comprehensive income (loss), net of tax	(1,322)	(6,392)	1,010	(17,525)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(18,435)	(9,458)	(20,767)	1,675
Net other comprehensive income (loss)	(1,322)	(6,392)	1,010	(17,525)
Ending Balance	(19,757)	(15,850)	(19,757)	(15,850)
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(18,435)	(9,458)	(20,767)	1,675
Net other comprehensive income (loss)	(1,322)	(6,392)	1,010	(17,525)
Ending Balance	(19,757)	(15,850)	(19,757)	(15,850)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Other comprehensive income (loss), net of tax	$ (1,322)	$ (6,392)	$ 1,010	$ (17,525)

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Computation of earnings per share [Abstract]
Net Income Available to Common Stockholders, Basic	$ 1,802	$ 1,892	$ 4,885	$ 3,923
Net Income Available to Common Stockholders, Diluted	$ 1,802	$ 1,892	$ 4,885	$ 3,923
Weighted Average Common Shares, Basic (in shares)	5,023,305	5,086,957	5,011,481	5,136,380
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0	0	0
Weighted Average Common Shares, Diluted (in shares)	5,023,603	5,087,038	5,011,697	5,136,459
Earnings Per Share, Basic (in dollars per share)	$ 0.36	$ 0.37	$ 0.97	$ 0.76
Earnings Per Share, Diluted (in dollars per share)	$ 0.36	$ 0.37	$ 0.97	$ 0.76
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0	0	0

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) $ in Thousands	Jun. 30, 2023 USD ($) Source	Dec. 31, 2022 USD ($)
Fair Value Measurements [Abstract]
Number of models used for estimating fair value of assets and liabilities | Source	2
Assets [Abstract]
Debt securities, available-for-sale	$ 210,561	$ 225,518
Derivative [Abstract]
Loans held for sale	1,017	421
Other real estate owned	0	0
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,800	7,671
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	38,225	42,399
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	56,534	59,384
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	86,028	88,913
Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,833	1,816
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	30	23
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,508	1,447
Derivative [Abstract]
Derivative Liabilities	1,508	1,447
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	210,561	225,518
Derivatives [Abstract]
Total assets	212,099	226,988
Derivative [Abstract]
Total liabilities	1,508	1,447
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,800	7,671
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	38,225	42,399
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	56,534	59,384
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	86,028	88,913
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,833	1,816
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	24,141	25,335
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	30	23
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,508	1,447
Derivative [Abstract]
Derivative Liabilities	1,508	1,447
Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		110
Loans held for sale	1,017	421
Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans		110
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
Loans held for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivatives [Abstract]
Total assets	0	0
Derivative [Abstract]
Total liabilities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		0
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
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Debt securities, available-for-sale	210,561	225,518
Derivative [Abstract]
Loans held for sale	1,017	421
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	30	23
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,508	1,447
Derivative [Abstract]
Derivative Liabilities	1,508	1,447
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	210,561	225,518
Derivatives [Abstract]
Total assets	212,099	226,988
Derivative [Abstract]
Total liabilities	1,508	1,447
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,800	7,671
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	38,225	42,399
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	56,534	59,384
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	86,028	88,913
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,833	1,816
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	24,141	25,335
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	30	23
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,508	1,447
Derivative [Abstract]
Derivative Liabilities	1,508	1,447
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		0
Loans held for sale	1,017	421
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans		0
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
Loans held for sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivatives [Abstract]
Total assets	0	0
Derivative [Abstract]
Total liabilities	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		110
Loans held for sale	$ 0	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans		$ 110

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Construction [Member] - Market Comparables [Member] $ in Thousands	Dec. 31, 2022 USD ($)
Selling Costs [Member] | Minimum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.03
Selling Costs [Member] | Maximum [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.08
Selling Costs [Member] | Weighted Average [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Measurement Input	0.0725
Fair Value, Nonrecurring [Member]
Investments, Fair Value Disclosure [Abstract]
Impaired Loans Fair Value	$ 110

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Values and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Assets [Abstract]
Cash and cash equivalents	$ 54,163	$ 19,250
Securities available-for-sale, at fair value	210,561	225,518
Restricted securities	4,559	3,434
Loans held for sale	1,017	421
Loans, net	1,082,965	1,016,559
Bank owned life insurance	34,563	34,049
Accrued interest receivable	4,426	4,253
Liabilities [Abstract]
Deposits	1,228,715	1,156,019
Federal funds purchased		11,378
Overnight repurchase agreements	4,500	4,987
Federal Home Loan Bank advances	69,450
Federal Reserve Bank borrowings		46,100
Long term borrowings	29,603	29,538
Accrued interest payable	1,711	834
Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	30	23
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,508	1,447
Liabilities [Abstract]
Derivative	1,508	1,447
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	54,163	19,250
Securities available-for-sale, at fair value	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net	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
Federal Reserve Bank borrowings		0
Long term borrowings	0	0
Accrued interest payable	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	0	0
Liabilities [Abstract]
Derivative	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	210,561	225,518
Restricted securities	4,559	3,434
Loans held for sale	1,017	421
Loans, net	0	0
Bank owned life insurance	34,563	34,049
Accrued interest receivable	4,426	4,253
Liabilities [Abstract]
Deposits	1,228,032	1,156,019
Federal funds purchased		11,378
Overnight repurchase agreements	4,500	4,987
Federal Home Loan Bank advances	69,450
Federal Reserve Bank borrowings		46,100
Long term borrowings	24,686	25,539
Accrued interest payable	1,711	834
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	30	23
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,508	1,447
Liabilities [Abstract]
Derivative	1,508	1,447
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net	1,039,358	996,807
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
Federal Reserve Bank borrowings		0
Long term borrowings	0	0
Accrued interest payable	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	0	0
Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	0	0
Liabilities [Abstract]
Derivative	$ 0	$ 0

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) Segment	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment			3
Revenues [Abstract]
Interest and dividend income	$ 16,347	$ 11,085	$ 31,500	$ 21,555
Total operating income	19,824	14,585	38,398	28,570
Expenses [Abstract]
Interest expense	4,248	764	6,588	1,597
Provision for credit losses	361	570	737	671
Salaries and employee benefits	8,043	6,611	15,406	13,033
Other expenses	5,104	4,479	9,909	8,770
Total operating expenses	17,756	12,424	32,640	24,071
Income before income taxes	2,068	2,161	5,758	4,499
Income tax expense (benefit)	266	269	873	576
Net income	1,802	1,892	4,885	3,923
Capital expenditures	357	404	487	601
Total assets	1,443,059	1,314,884	1,443,059	1,314,884	$ 1,355,335
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,154	1,061	2,270	2,133
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,323	2,439	4,628	4,882
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	16,312	11,068	31,433	21,524
Total operating income	18,451	13,198	35,638	25,833
Expenses [Abstract]
Interest expense	3,953	469	5,998	1,007
Provision for credit losses	361	570	737	671
Salaries and employee benefits	6,745	5,542	12,830	10,971
Other expenses	4,648	4,062	9,129	7,950
Total operating expenses	15,707	10,643	28,694	20,599
Income before income taxes	2,744	2,555	6,944	5,234
Income tax expense (benefit)	406	352	1,119	729
Net income	2,338	2,203	5,825	4,505
Capital expenditures	357	404	487	601
Total assets	1,434,600	1,306,972	1,434,600	1,306,972
Operating Segments [Member] | Bank [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Bank [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,139	2,130	4,205	4,309
Operating Segments [Member] | Wealth Management [Member]
Revenues [Abstract]
Interest and dividend income	35	17	67	31
Total operating income	1,389	1,403	2,791	2,768
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	1,099	893	2,173	1,741
Other expenses	341	285	645	579
Total operating expenses	1,440	1,178	2,818	2,320
Income before income taxes	(51)	225	(27)	448
Income tax expense (benefit)	(9)	47	(3)	95
Net income	(42)	178	(24)	353
Capital expenditures	0	0	0	0
Total assets	7,016	7,283	7,016	7,283
Operating Segments [Member] | Wealth Management [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,154	1,061	2,270	2,133
Operating Segments [Member] | Wealth Management [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	200	325	454	604
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	2,296	2,381	5,801	4,858
Total operating income	2,346	2,431	5,901	4,958
Expenses [Abstract]
Interest expense	295	295	590	590
Provision for credit losses	0	0	0	0
Salaries and employee benefits	199	176	403	321
Other expenses	181	198	266	372
Total operating expenses	675	669	1,259	1,283
Income before income taxes	1,671	1,762	4,642	3,675
Income tax expense (benefit)	(131)	(130)	(243)	(248)
Net income	1,802	1,892	4,885	3,923
Capital expenditures	0	0	0	0
Total assets	132,503	131,174	132,503	131,174
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	50	50	100	100
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(2,296)	(2,381)	(5,801)	(4,858)
Total operating income	(2,362)	(2,447)	(5,932)	(4,989)
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	0	0	0	0
Other expenses	(66)	(66)	(131)	(131)
Total operating expenses	(66)	(66)	(131)	(131)
Income before income taxes	(2,296)	(2,381)	(5,801)	(4,858)
Income tax expense (benefit)	0	0	0	0
Net income	(2,296)	(2,381)	(5,801)	(4,858)
Capital expenditures	0	0	0	0
Total assets	(131,060)	(130,545)	(131,060)	(130,545)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (66)	$ (66)	$ (131)	$ (131)