Old Point Financial (OPOF) 10-Q 13 Nov 23 2023 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2023	Nov. 08, 2023
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value per share
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		5,038,066

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 14,501	$ 15,670
Interest-bearing due from banks	62,508	3,580
Federal funds sold	632	0
Cash and cash equivalents	77,641	19,250
Securities available-for-sale, at fair value	200,617	225,518
Restricted securities, at cost	5,176	3,434
Loans held for sale	292	421
Loans, net	1,070,834	1,016,559
Premises and equipment, net	30,262	31,008
Premises and equipment, held for sale	344	987
Bank-owned life insurance	34,826	34,049
Goodwill	1,650	1,650
Core deposit intangible, net	198	231
Other assets	25,223	22,228
Total assets	1,447,063	1,355,335
Deposits:
Noninterest-bearing deposits	348,316	418,582
Savings deposits	619,799	584,527
Time deposits	269,493	152,910
Total deposits	1,237,608	1,156,019
Overnight repurchase agreements	1,323	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	29,636	29,538
Accrued expenses and other liabilities	9,520	8,579
Total liabilities	1,347,537	1,256,601
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,038,066 and 4,999,083 shares outstanding (includes 54,593 and 46,989 of nonvested restricted stock, respectively)	24,917	24,761
Additional paid-in capital	16,957	16,593
Retained earnings	81,292	78,147
Accumulated other comprehensive loss, net	(23,640)	(20,767)
Total stockholders' equity	99,526	98,734
Total liabilities and stockholders' equity	$ 1,447,063	$ 1,355,335

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 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)	5,038,066	4,999,083
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	54,593	46,989

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest and dividend income:
Loans, including fees	$ 14,311	$ 10,506	$ 41,537	$ 29,173
Due from banks	838	252	995	533
Federal funds sold	9	11	24	18
Securities:
Taxable	1,788	1,297	5,324	3,409
Tax-exempt	159	272	580	732
Dividends and interest on all other securities	84	30	229	58
Total interest and dividend income	17,189	12,368	48,689	33,923
Interest expense:
Checking and savings deposits	2,060	147	4,483	471
Time deposits	2,456	312	4,412	993
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	0	43	39	45
Federal Home Loan Bank advances	952	0	2,532	0
Long-term borrowings	295	295	885	885
Total interest expense	5,763	797	12,351	2,394
Net interest income	11,426	11,571	36,338	31,529
Provision for credit losses	505	402	1,242	1,073
Net interest income after provision for credit losses	10,921	11,169	35,096	30,456
Noninterest income:
Bank-owned life insurance income	263	227	776	653
Mortgage banking income	144	86	351	419
Gain (loss) on sale of available-for-sale securities, net	30	0	(134)	0
Loss on sale of repossessed assets	0	0	(69)	0
Gain on sale of fixed assets	0	0	200	0
Total noninterest income	3,482	3,365	10,380	10,380
Noninterest expense:
Salaries and employee benefits	7,830	6,821	23,236	19,854
Occupancy and equipment	1,241	1,184	3,691	3,488
Data processing	1,300	1,206	3,743	3,447
Customer development	159	136	373	298
Professional services	636	647	2,065	1,915
Employee professional development	257	230	780	769
Other taxes	251	212	698	637
ATM and other losses	154	112	563	226
Other operating expenses	1,053	1,017	3,047	2,734
Total noninterest expense	12,881	11,565	38,196	33,368
Income before income taxes	1,522	2,969	7,280	7,468
Income tax expense	160	427	1,033	1,003
Net income	$ 1,362	$ 2,542	$ 6,247	$ 6,465
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,037,558	5,015,712	5,020,269	5,095,716
Net income per share of common stock (in dollars per share)	$ 0.27	$ 0.51	$ 1.24	$ 1.27
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,037,662	5,015,712	5,020,447	5,095,768
Net income per share of common stock (in dollars per share)	$ 0.27	$ 0.51	$ 1.24	$ 1.27
Fiduciary and Asset Management Fees [Member]
Noninterest income:
Noninterest revenue	$ 1,012	$ 953	$ 3,282	$ 3,086
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest revenue	751	795	2,297	2,278
Other Service Charges, Commissions and Fees [Member]
Noninterest income:
Noninterest revenue	1,119	1,143	3,255	3,339
Other Operating Income [Member]
Noninterest income:
Noninterest revenue	$ 163	$ 161	$ 422	$ 605

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net income	$ 1,362	$ 2,542	$ 6,247	$ 6,465
Other comprehensive loss, net of tax
Net unrealized loss on available-for-sale securities	(3,859)	(7,997)	(2,979)	(25,522)
Reclassification for (gain) loss included in net income	(24)	0	106	0
Other comprehensive loss, net of tax	(3,883)	(7,997)	(2,873)	(25,522)
Comprehensive income (loss)	$ (2,521)	$ (5,455)	$ 3,374	$ (19,057)

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		6,465		0		6,465
Other comprehensive loss, net of tax	0		0		0		(25,522)		(25,522)
Employee Stock Purchase Plan share issuance	$ 21		78		0		0		99
Employee Stock Purchase Plan share issuance (in shares)	4,307
Common stock purchased	$ (1,340)		(5,315)		0		0		(6,655)
Common stock purchased (in shares)	(268,095)
Restricted stock vested	$ 66		(66)		0		0		0
Restricted stock vested (in shares)	13,152
Share-based compensation expense	$ 0		295		0		0		295
Cash dividends	0		0		(1,988)		0		(1,988)
Ending Balance at Sep. 30, 2022	$ 24,753		16,450		76,156		(23,847)		93,512
Ending Balance (in shares) at Sep. 30, 2022	4,950,636
Beginning Balance at Jun. 30, 2022	$ 25,091		17,643		74,266		(15,850)		101,150
Beginning Balance (in shares) at Jun. 30, 2022	5,018,144
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		2,542		0		2,542
Other comprehensive loss, net of tax	0		0		0		(7,997)		(7,997)
Employee Stock Purchase Plan share issuance	$ 7		26		0		0		33
Employee Stock Purchase Plan share issuance (in shares)	1,492
Common stock purchased	$ (345)		(1,340)		0		0		(1,685)
Common stock purchased (in shares)	(69,000)
Restricted stock vested	$ 0		0		0		0		0
Restricted stock vested (in shares)	0
Share-based compensation expense	$ 0		121		0		0		121
Cash dividends	0		0		(652)		0		(652)
Ending Balance at Sep. 30, 2022	$ 24,753		16,450		76,156		(23,847)		93,512
Ending Balance (in shares) at Sep. 30, 2022	4,950,636
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]
Accounting Standards Update [Extensible Enumeration]						ASC 326 [Member]
Net income	$ 0		0		6,247		0		$ 6,247
Other comprehensive loss, net of tax	0		0		0		(2,873)		(2,873)
Employee Stock Purchase Plan share issuance	$ 27		74		0		0		101
Employee Stock Purchase Plan share issuance (in shares)	5,453
Restricted stock vested	$ 129		(129)		0		0		0
Restricted stock vested (in shares)	25,926
Share-based compensation expense	$ 0		419		0		0		419
Cash dividends	0		0		(2,111)		0		(2,111)
Ending Balance at Sep. 30, 2023	$ 24,917		16,957		81,292		(23,640)		$ 99,526
Ending Balance (in shares) at Sep. 30, 2023	4,983,473								5,038,066
Beginning Balance at Jun. 30, 2023	$ 24,886		16,777		80,636		(19,757)		$ 102,542
Beginning Balance (in shares) at Jun. 30, 2023	4,977,276
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		1,362		0		1,362
Other comprehensive loss, net of tax	0		0		0		(3,883)		(3,883)
Employee Stock Purchase Plan share issuance	$ 12		28		0		0		40
Employee Stock Purchase Plan share issuance (in shares)	2,274
Restricted stock vested	$ 19		(19)		0		0		0
Restricted stock vested (in shares)	3,923
Share-based compensation expense	$ 0		171		0		0		171
Cash dividends	0		0		(706)		0		(706)
Ending Balance at Sep. 30, 2023	$ 24,917		$ 16,957		$ 81,292		$ (23,640)		$ 99,526
Ending Balance (in shares) at Sep. 30, 2023	4,983,473								5,038,066

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.14	$ 0.13	$ 0.42	$ 0.39

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 6,247	$ 6,465
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,631	1,550
Amortization of right of use lease asset	333	240
Accretion related to acquisition, net	33	10
Amortization of subordinated debt issuance costs	98	98
Provision for credit losses	1,242	1,073
Loss on sale of securities, net	134	0
Net amortization of securities	564	923
Decrease in loans held for sale, net	129	2,513
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	(776)	(653)
Stock compensation expense	419	295
Increase in other assets	(2,635)	(287)
Increase in accrued expenses and other liabilities	704	1,557
Net cash provided by operating activities	7,992	13,784
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(15,173)	(47,543)
Purchase of redemption of restricted securities, net	(681)	(355)
Proceeds from maturities and calls of available-for-sale securities	200	3,950
Proceeds from sales of available-for-sale securities	23,171	3,950
Paydowns on available-for-sale securities	11,308	13,195
Net increase in loans held for investment	(56,267)	(112,521)
Purchases of bank-owned life insurance	0	(2,500)
Purchases of premises and equipment	(885)	(969)
Proceeds from sale of premises and equipment	839	0
Net cash used in investing activities	(37,488)	(142,793)
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease) increase in noninterest-bearing deposits	(70,266)	15,716
Increase in savings deposits	35,272	5,789
Increase (decrease) in time deposits	116,583	(16,296)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(15,042)	(555)
Increase in Federal Home Loan Bank advances	347,850	0
Repayment of Federal Home Loan Bank advances	(324,500)	0
Repayment of Federal Reserve Bank borrowings	0	(480)
Proceeds from Employee Stock Purchase Plan issuance	101	99
Repurchase of common stock	0	(6,655)
Cash dividends paid on common stock	(2,111)	(1,988)
Net cash provided by (used in) financing activities	87,887	(4,370)
Net increase (decrease) in cash and cash equivalents	58,391	(133,379)
Cash and cash equivalents at beginning of period	19,250	187,922
Cash and cash equivalents at end of period	77,641	54,543
Cash payments for:
Interest	11,399	2,609
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain (loss) on securities available-for-sale	(3,636)	(32,307)
Former bank property transferred from fixed assets to held for sale assets	0	345
Right of use lease asset and liability	0	327
Impact of adoption of ASC 326	$ 991	$ 0

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	9 Months Ended
	Sep. 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. In the opinion of management, the accompanying unaudited Consolidated Financial Statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial position at September 30, 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 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 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 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 $1.0 million. 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 other-than-temporary impairment 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 ACL. 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 enters 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 $3.2 million on loans held for investment as of September 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 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 ACL 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 ACL is recognized in other comprehensive income (loss). Changes in the ACL are recorded as a credit loss expense or reversal. Losses are charged against the allowance when management believes 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	9 Months Ended
	Sep. 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 September 30, 2023, is in accordance with ASC 326. All securities information presented as of December 31, 2022, or a prior date 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: September 30, 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,075 $ - $ (298 ) $ 3,777 Obligations of U.S. Government agencies 45,160 182 (787 ) 44,555 Obligations of state and political subdivisions 58,394 - (11,739 ) 46,655 Mortgage-backed securities 93,016 - (13,238 ) 79,778 Money market investments 1,906 - - 1,906 Corporate bonds and other securities 27,990 - (4,044 ) 23,946 $ 230,541 $ 182 $ (30,106 ) $ 200,617 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. September 30, 2023 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,860 $ 1,825 Due after one year through five years 9,448 8,766 Due after five through ten years 65,186 54,922 Due after ten years 152,141 133,198 Other securities, restricted 1,906 1,906 $ 230,541 $ 200,617 The following table shows realized gains and losses on the sale of investment securities during the three and nine months ended September 30, 2023 and 2022, respectively. Three Months Ended Nine Months Ended September 30, September 30, (dollars in thousands) 2023 2022 2023 2022 Realized gains on sales of securities $ 1,061 $ - $ 1,061 $ - Realized losses on sales of securities (1,031 ) - (1,195 ) - Net realized gain (loss) $ 30 $ - $ (134 ) $ - The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an ACL has not been recorded as of September 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: September 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 $ - $ - $ 298 $ 3,777 $ 298 $ 3,777 1 Obligations of U.S. Government agencies 67 9,217 720 25,820 787 35,037 45 Obligations of state and political subdivisions 415 2,379 11,324 44,276 11,739 46,655 44 Mortgage-backed securities 987 13,087 12,251 66,691 13,238 79,778 41 Corporate bonds and other securities 154 846 3,890 22,100 4,044 22,946 25 Total securities available-for-sale $ 1,623 $ 25,529 $ 28,483 $ 162,664 $ 30,106 $ 188,193 156 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 September and December were and respectively. The Company concluded no ACL 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	9 Months Ended
	Sep. 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 September 30, 2023, is in accordance with ASC 326. All loan information presented as of December 31, 2022, or a prior date is in accordance with previous applicable GAAP. 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: September 30, December 31, (dollars in thousands) 2023 2022 Mortgage loans on real estate: Residential 1-4 family $ 184,535 $ 169,248 Commercial - owner occupied 162,611 184,586 Commercial - non-owner occupied 279,183 245,277 Multifamily 31,813 26,675 Construction and land development 94,143 77,944 Second mortgages 9,968 8,828 Equity lines of credit 53,784 54,340 Total mortgage loans on real estate 816,037 766,898 Commercial and industrial loans 73,279 72,578 Consumer automobile loans 170,637 163,018 Other consumer loans 20,309 22,251 Other (1) 2,416 2,340 Total loans, net of deferred fees (2) 1,082,678 1,027,085 Less: Allowance for credit losses on loans 11,844 10,526 Loans, net of allowance and deferred fees (2) $ 1,070,834 $ 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 $264 thousand and $269 thousand at September 30, 2023 and December 31, 2022, respectively. (2) Net deferred loan fees totaled $1.3 million on September 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, as of September 30, 2023. Age Analysis of Past Due Loans as of September 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 $ - $ - $ 398 $ 145 $ 183,992 $ 184,535 Commercial - owner occupied - 407 - - 162,204 162,611 Commercial - non-owner occupied 17 - - - 279,166 279,183 Multifamily - - - - 31,813 31,813 Construction and land development - - - 1,391 92,752 94,143 Second mortgages - - - - 9,968 9,968 Equity lines of credit - - - 47 53,737 53,784 Total mortgage loans on real estate $ 17 $ 407 $ 398 $ 1,583 $ 813,632 $ 816,037 Commercial and industrial loans 507 17 116 335 72,304 73,279 Consumer automobile loans 2,857 264 148 - 167,368 170,637 Other consumer loans 231 375 135 - 19,568 20,309 Other 54 - - - 2,362 2,416 Total $ 3,666 $ 1,063 $ 797 $ 1,918 $ 1,075,234 $ 1,082,678 (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 September 30, 2023 by class of loan. Nonaccrual (dollars in thousands) January 1, 2023 September 30, 2023 Nonaccrual with no ACLL 90 Days and still Accruing Mortgage loans on real estate: Residential 1-4 family $ 154 $ 145 $ - $ 398 Construction and land development 945 1,391 1,391 - Equity lines of credit - 47 47 - Total mortgage loans on real estate 1,099 1,583 1,438 398 Commercial and industrial loans 144 335 35 116 Consumer automobile loans - - - 148 Other consumer loans - - - 135 Other - - - - Total $ 1,243 $ 1,918 $ 1,473 $ 797 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 ACL. The Company did not grant any such modifications during the third quarter 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 nine months ended September 30, 2023. ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS For the Nine Months ended September 30, 2023 (dollars in thousands) Commercial and Industrial Real Estate Construction and Land Development 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 (159 ) - - - (813 ) (228 ) - (1,200 ) Recoveries 64 - 28 - 393 41 - 526 Provision for loan losses 78 258 192 244 270 315 (6 ) 1,351 Ending Balance $ 645 $ 829 $ 2,882 $ 5,791 $ 1,550 $ 147 $ - $ 11,844 Individually evaluated $ - $ - $ 61 $ - $ - $ - $ - $ 61 Collectively evaluated 645 829 2,821 5,791 1,550 147 - 11,783 Ending Balance $ 645 $ 829 $ 2,882 $ 5,791 $ 1,550 $ 147 $ - $ 11,844 Loans Balances: Individually evaluated $ 334 $ 1,463 $ 503 $ 375 $ - $ - $ - $ 2,675 Collectively evaluated 72,945 92,680 279,597 441,419 190,946 2,416 - 1,080,003 Ending Balance $ 73,279 $ 94,143 $ 280,100 $ 441,794 $ 190,946 $ 2,416 $ - $ 1,082,678 (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 September 30, Nine Months Ended September 30, (dollars in thousands) 2023 2022 2023 2022 Provision for credit losses: Provision for loans $ 478 $ 402 $ 1,351 $ 1,073 Provison (recovery) for unfunded commitments 27 - (109 ) - Total $ 505 $ 402 $ 1,242 $ 1,073 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: September 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 $ 27,785 $ 34,339 $ 24,879 $ 3,399 $ 301 $ 419 $ 1,630 $ 92,752 OAEM - - - - - - - - Substandard - - 117 1,274 - - - 1,391 Total construction and land development $ 27,785 $ 34,339 $ 24,996 $ 4,673 $ 301 $ 419 $ 1,630 $ 94,143 Commercial real estate - owner occupied Pass $ 7,352 $ 34,082 $ 21,805 $ 13,859 $ 10,899 $ 64,449 $ 5,247 $ 157,693 OAEM - - - - 237 4,396 285 4,918 Substandard - - - - - - - - Total commercial real estate - owner occupied $ 7,352 $ 34,082 $ 21,805 $ 13,859 $ 11,136 $ 68,845 $ 5,532 $ 162,611 Commercial real estate - non-owner occupied Pass $ 26,999 $ 53,484 $ 97,508 $ 39,035 $ 11,419 $ 48,479 $ 2,259 $ 279,183 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 26,999 $ 53,484 $ 97,508 $ 39,035 $ 11,419 $ 48,479 $ 2,259 $ 279,183 Commercial and industrial Pass $ 15,350 $ 26,931 $ 5,126 $ 2,441 $ 2,302 $ 7,174 $ 13,620 $ 72,944 OAEM - - - - - - - - Substandard - - - - - 335 - 335 Total commercial and industrial $ 15,350 $ 26,931 $ 5,126 $ 2,441 $ 2,302 $ 7,509 $ 13,620 $ 73,279 Multifamily real estate Pass $ 9,699 $ 3,502 $ 2,168 $ 612 $ 5,991 $ 9,188 $ 653 $ 31,813 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ 9,699 $ 3,502 $ 2,168 $ 612 $ 5,991 $ 9,188 $ 653 $ 31,813 Residential 1-4 family Pass $ 23,298 $ 38,752 $ 40,529 $ 26,889 $ 13,286 $ 53,167 $ 51,824 $ 247,745 OAEM - - - - - - - - Substandard - - - 350 47 145 - 542 Total residential 1-4 family $ 23,298 $ 38,752 $ 40,529 $ 27,239 $ 13,333 $ 53,312 $ 51,824 $ 248,287 Consumer - automobile Pass $ 49,881 $ 92,976 $ 14,922 $ 4,932 $ 2,029 $ 5,897 $ - $ 170,637 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 49,881 $ 92,976 $ 14,922 $ 4,932 $ 2,029 $ 5,897 $ - $ 170,637 Consumer - other Pass $ 294 $ 630 $ 424 $ 125 $ 14 $ 16,505 $ 2,317 $ 20,309 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 294 $ 630 $ 424 $ 125 $ 14 $ 16,505 $ 2,317 $ 20,309 Other Pass $ 1,121 $ - $ - $ - $ - $ 1,295 $ - $ 2,416 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 1,121 $ - $ - $ - $ - $ 1,295 $ - $ 2,416 Total loans Pass $ 161,779 $ 284,696 $ 207,361 $ 91,292 $ 46,241 $ 206,573 $ 77,550 $ 1,075,492 OAEM - - - - 237 4,396 285 4,918 Substandard - - 117 1,624 47 480 - 2,268 Total loans $ 161,779 $ 284,696 $ 207,478 $ 92,916 $ 46,525 $ 211,449 $ 77,835 $ 1,082,678 The following table details the current period gross charge-offs of loans by year of origination as of September 30, 2023: September 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 $ - $ 140 $ 15 $ 4 $ - $ - $ - $ 159 Consumer - automobile 9 382 267 68 18 51 - 795 Consumer - other - - 5 - 3 10 - 18 Other (1) 206 22 - - - - - 228 Total $ 215 $ 544 $ 287 $ 72 $ 21 $ 61 $ - $ 1,200 (1) Gross charge-offs of other loans for the first nine months ended September 30, 2023 included $206 thousand of demand deposit overdrafts that originated in 2023. As of September 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, as of 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	9 Months Ended
	Sep. 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) September 30, 2023 Lease liabilities $ 1,353 Right-of-use assets $ 1,279 Weighted average remaining lease term 3.69 years Weighted average discount rate 2.98 % Three Months Ended September 30, Nine Months September 30, (dollars in thousands) 2023 2022 2023 2022 Operating lease cost $ 131 $ 87 $ 333 $ 251 Total lease cost $ 131 $ 87 $ 333 $ 251 Cash paid for amounts included in the measurement of lease liabilities $ 108 $ 85 $ 311 $ 254 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 (dollars in thousands) September 30, 2023 Three months ending December 31, 2023 $ 107 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 $ 1,447 Discount (94 ) Lease liabilities $ 1,353

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	9 Months Ended
	Sep. 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 September 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 The table below summarizes the tax credits and other tax benefits recognized by the Company related to these investments during the periods indicated: Three Months Ended Nine September 30 September 30 Affected Line Item on (dollars in thousands) 2023 2022 2023 2022 Consolidated Income Statement Tax credits and other benefits Amortization of operating losses $ 91 $ 51 $ 275 $ 153 ATM and other losses Tax benefit of operating losses* 19 11 58 32 Income tax expense Tax credits 77 89 232 267 Income tax expense Total tax benefits $ 96 $ 100 $ 290 $ 299 * Computed using a 21% tax rate.

Borrowings

Borrowings	9 Months Ended
	Sep. 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. As of September 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 $360.9 million and $346.5 as of September 30, 2023 and December 31, 2022, respectively. The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) September 30, 2023 December 31, 2022 Federal funds purchased $ - $ 11,378 Overnight repurchase agreements 1,323 4,987 Federal Home Loan Bank advances 49,450 46,100 Total short-term borrowings $ 50,773 $ 62,465 Maximum month-end outstanding balance (year-to-date) $ 84,360 $ 62,465 Average outstanding balance during the period $ 58,919 $ 11,776 Average interest rate (year-to-date) 4.91 % 2.34 % Average interest rate at end of period 5.61 % 4.58 % Long-Term Borrowings The Company had a long-term FHLB advance totaling $20.0 million outstanding at September 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 a $30.0 million issuance, ($29.4 million, net of issuance costs) of subordinated notes (the Notes) in a private placement transaction. The Notes are due in 2031

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 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. Financial instruments whose contract amounts represent credit risk were outstanding as of September 30, 2023 and December 31, 2022 were as follows: September 30, December 31, (dollars in thousands) 2023 2022 Commitments to extend credit: Home equity lines of credit $ 93,885 $ 87,722 Commercial real estate, construction and development loans committed but not funded 84,076 67,107 Other lines of credit (principally commercial) 48,760 51,742 Total $ 226,721 $ 206,571 Letters of credit $ 752 $ 904

Share-Based Compensation

Share-Based Compensation	9 Months Ended
	Sep. 30, 2023
Share-Based Compensation [Abstract]
Share-Based Compensation	Note 8. Share-Based Compensation Employee Stock Purchase Plan The Company has adopted an ESPP 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. Under the Company’s 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 nine months of 2023. Total stock purchases under the ESPP amounted to 5,453 shares during the nine months ended September 30, 2023. At September 30, 2023, the Company had 216,325 remaining shares reserved for issuance under the ESPP. Incentive Stock Plan The Incentive Stock Plan permits the issuance of up to 300,000 shares of common stock for awards to key employees and non-employee directors of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock appreciation rights, stock awards and performance units. As of September 30, 2023, only restricted stock has been granted under the Incentive Stock Plan. Restricted stock activity for the nine months ended September 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 (25,926 ) 20.25 Forfeited (1,483 ) 17.20 Nonvested, September 30, 2023 54,593 $ 20.30 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.65 years. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $650 thousand as of September 30, 2023 and $591 thousand as of September 30, 2022. Stock-based compensation expense was $171 thousand and $121 thousand for the three months ended September 30, 2023 and 2022, respectively and $419 thousand and $295 thousand for the nine months ended September 30, 2023

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	9 Months Ended
	Sep. 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 Nine Months Ended September 30, September 30, Affected Line Item on Consolidated Statement of Income (dollars in thousands) 2023 2022 2023 2022 Sale of securities Realized gain (loss) on sale of securities $ 30 $ - $ (134 ) $ - Gain (loss) on sale of securities, net Tax effect 6 - (28 ) - Income tax (benefit) expense $ 24 $ - $ (106 ) $ - The following tables present the changes in accumulated other comprehensive income (loss), by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Three Months Ended September 30 2023 Balance at beginning of period $ (19,757 ) $ (19,757 ) Net other comprehensive loss (3,883 ) (3,883 ) Balance at end of period $ (23,640 ) $ (23,640 ) Three Months Ended September 30 2022 Balance at beginning of period $ (15,850 ) $ (15,850 ) Net other comprehensive loss (7,997 ) (7,997 ) Balance at end of period $ (23,847 ) $ (23,847 ) (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Nine September 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive loss (2,873 ) (2,873 ) Balance at end of period $ (23,640 ) $ (23,640 ) Nine September 30 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (25,522 ) (25,522 ) Balance at end of period $ (23,847 ) $ (23,847 ) The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (4,885 ) $ (1,026 ) $ (3,859 ) Reclassification adjustment for gains recognized in income (30 ) 6 (24 ) (4,915 ) (1,020 ) (3,883 ) Total change in accumulated other comprehensive loss, net $ (4,915 ) $ (1,020 ) $ (3,883 ) Three Months Ended September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (10,124 ) $ (2,127 ) $ (7,997 ) Total change in accumulated other comprehensive loss, net $ (10,124 ) $ (2,127 ) $ (7,997 ) Nine Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,771 ) $ (792 ) $ (2,979 ) Reclassification adjustment for losses recognized in income 134 (28 ) 106 (3,637 ) (820 ) (2,873 ) Total change in accumulated other comprehensive income, net $ (3,637 ) $ (820 ) $ (2,873 ) Nine Months Ended September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (32,307 ) $ (6,785 ) $ (25,522 ) Total change in accumulated other comprehensive loss, net $ (32,307 ) $ (6,785 ) $ (25,522 ) 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 potentially dilutive common shares attributable to the ESPP. The Company had no antidilutive shares outstanding in the three and nine months ended September 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	9 Months Ended
	Sep. 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 loss. Securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company’s available-for-sale securities are considered to be Level 2 securities. The Company recognizes IRLCs at fair value. Fair value of IRLCs is based on either (i) the price of the underlying loans obtained from an investor for loans that will be delivered on a best efforts basis or (ii) the observable price for individual loans traded in the secondary market for loans that will be delivered on a mandatory basis. All of the Company’s IRLCs are classified as Level 2. The Company recognizes interest rate swaps on loans at fair value. The Company has contracted with a third party vendor to provide valuations for these interest rate swaps using standard valuation techniques. All of the Company’s interest rate swaps on loans are classified as Level 2. The following tables present the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at September 30, 2023 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,777 $ - $ 3,777 $ - Obligations of U.S. Government agencies 44,555 - 44,555 - Obligations of state and political subdivisions 46,655 - 46,655 - Mortgage-backed securities 79,778 - 79,778 - Money market investments 1,906 - 1,906 - Corporate bonds and other securities 23,946 - 23,946 - Total available-for-sale securities 200,617 - 200,617 - Derivatives Interest rate lock 12 - 12 - Interest rate swap on loans 2,114 - 2,114 - Total assets $ 202,743 $ - $ 202,743 $ - Liabilities: Derivatives Interest rate swap on loans 2,114 - 2,114 - Total liabilities $ 2,114 $ - $ 2,114 $ - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 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. As of September 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 September 30, 2023 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Loans Loans held for sale $ 292 $ - $ 292 $ - Carrying Value at December 31, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 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 September 30, 2023 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 77,641 $ 77,641 $ - $ - Securities available-for-sale 200,617 - 200,617 - Restricted securities 5,176 - 5,176 - Loans held for sale 292 - 292 - Loans, net 1,070,834 - - 1,027,963 Derivatives Interest rate lock 12 - 12 - Interest rate swap on loans 2,114 - 2,114 - Bank owned life insurance 34,826 - 34,826 - Accrued interest receivable 4,758 - 4,758 - Liabilities Deposits $ 1,237,608 $ - $ 1,234,957 $ - Overnight repurchase agreements 1,323 - 1,323 - Federal Home Loan Bank advances 69,450 - 69,450 - Long term borrowings 29,636 - 24,812 - Derivatives Interest rate swap on loans 2,114 - 2,114 - Accrued interest payable 1,688 - 1,688 - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 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	9 Months Ended
	Sep. 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 nine months ended September 30, 2023 and 2022 follows: Three Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 17,154 $ 35 $ 1,821 $ (1,821 ) $ 17,189 Income from fiduciary activities - 1,012 - - 1,012 Other income 2,215 270 50 (65 ) 2,470 Total operating income 19,369 1,317 1,871 (1,886 ) 20,671 Expenses Interest expense 5,468 - 295 - 5,763 Provision for credit losses 505 - - - 505 Salaries and employee benefits 6,589 1,018 223 - 7,830 Other expenses 4,657 347 112 (65 ) 5,051 Total operating expenses 17,219 1,365 630 (65 ) 19,149 Income (loss) before taxes 2,150 (48 ) 1,241 (1,821 ) 1,522 Income tax expense (benefit) 290 (9 ) (121 ) - 160 Net income (loss) $ 1,860 $ (39 ) $ 1,362 $ (1,821 ) $ 1,362 Capital expenditures $ 398 $ - $ - $ - $ 398 Total assets $ 1,438,599 $ 6,997 $ 129,495 $ (128,028 ) $ 1,447,063 Three Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 12,347 $ 21 $ 2,968 $ (2,968 ) $ 12,368 Income from fiduciary activities - 953 - - 953 Other income 2,085 342 50 (65 ) 2,412 Total operating income 14,432 1,316 3,018 (3,033 ) 15,733 Expenses Interest expense 502 - 295 - 797 Provision for credit losses 402 - - - 402 Salaries and employee benefits 5,733 902 186 - 6,821 Other expenses 4,413 288 108 (65 ) 4,744 Total operating expenses 11,050 1,190 589 (65 ) 12,764 Income before taxes 3,382 126 2,429 (2,968 ) 2,969 Income tax expense (benefit) 514 27 (114 ) - 427 Net income $ 2,868 $ 99 $ 2,543 $ (2,968 ) $ 2,542 Capital expenditures $ 355 $ 13 $ - $ - $ 368 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 Nine Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 48,587 $ 102 $ 7,622 $ (7,622 ) $ 48,689 Income from fiduciary activities - 3,282 - - 3,282 Other income 6,420 724 150 (196 ) 7,098 Total operating income 55,007 4,108 7,772 (7,818 ) 59,069 Expenses Interest expense 11,466 - 885 - 12,351 Provision for credit losses 1,242 - - - 1,242 Salaries and employee benefits 19,419 3,191 626 - 23,236 Other expenses 13,786 992 378 (196 ) 14,960 Total operating expenses 45,913 4,183 1,889 (196 ) 51,789 Income (loss) before taxes 9,094 (75 ) 5,883 (7,622 ) 7,280 Income tax expense (benefit) 1,409 (12 ) (364 ) - 1,033 Net income (loss) $ 7,685 $ (63 ) $ 6,247 $ (7,622 ) $ 6,247 Capital expenditures $ 885 $ - $ - $ - $ 885 Total assets $ 1,438,599 $ 6,997 $ 129,495 $ (128,028 ) $ 1,447,063 Nine Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 33,871 $ 52 $ 7,826 $ (7,826 ) $ 33,923 Income from fiduciary activities - 3,086 - - 3,086 Other income 6,394 946 150 (196 ) 7,294 Total operating income 40,265 4,084 7,976 (8,022 ) 44,303 Expenses Interest expense 1,509 - 885 - 2,394 Provision for credit losses 1,073 - - - 1,073 Salaries and employee benefits 16,704 2,643 507 - 19,854 Other expenses 12,363 867 480 (196 ) 13,514 Total operating expenses 31,649 3,510 1,872 (196 ) 36,835 Income before taxes 8,616 574 6,104 (7,826 ) 7,468 Income tax expense (benefit) 1,243 122 (362 ) - 1,003 Net income $ 7,373 $ 452 $ 6,466 $ (7,826 ) $ 6,465 Capital expenditures $ 956 $ 13 $ - $ - $ 969 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 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)	9 Months Ended
	Sep. 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. In the opinion of management, the accompanying unaudited Consolidated Financial Statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial position at September 30, 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 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 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 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 $1.0 million. 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 other-than-temporary impairment 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 ACL. 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 enters 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 $3.2 million on loans held for investment as of September 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 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 ACL 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 ACL is recognized in other comprehensive income (loss). Changes in the ACL are recorded as a credit loss expense or reversal. Losses are charged against the allowance when management believes 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)	9 Months Ended
	Sep. 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)	9 Months Ended
	Sep. 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: September 30, 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,075 $ - $ (298 ) $ 3,777 Obligations of U.S. Government agencies 45,160 182 (787 ) 44,555 Obligations of state and political subdivisions 58,394 - (11,739 ) 46,655 Mortgage-backed securities 93,016 - (13,238 ) 79,778 Money market investments 1,906 - - 1,906 Corporate bonds and other securities 27,990 - (4,044 ) 23,946 $ 230,541 $ 182 $ (30,106 ) $ 200,617 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. September 30, 2023 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,860 $ 1,825 Due after one year through five years 9,448 8,766 Due after five through ten years 65,186 54,922 Due after ten years 152,141 133,198 Other securities, restricted 1,906 1,906 $ 230,541 $ 200,617
Net Realized Gains and Losses on Sale of Investments	The following table shows realized gains and losses on the sale of investment securities during the three and nine months ended September 30, 2023 and 2022, respectively. Three Months Ended Nine Months Ended September 30, September 30, (dollars in thousands) 2023 2022 2023 2022 Realized gains on sales of securities $ 1,061 $ - $ 1,061 $ - Realized losses on sales of securities (1,031 ) - (1,195 ) - Net realized gain (loss) $ 30 $ - $ (134 ) $ -
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 ACL has not been recorded as of September 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: September 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 $ - $ - $ 298 $ 3,777 $ 298 $ 3,777 1 Obligations of U.S. Government agencies 67 9,217 720 25,820 787 35,037 45 Obligations of state and political subdivisions 415 2,379 11,324 44,276 11,739 46,655 44 Mortgage-backed securities 987 13,087 12,251 66,691 13,238 79,778 41 Corporate bonds and other securities 154 846 3,890 22,100 4,044 22,946 25 Total securities available-for-sale $ 1,623 $ 25,529 $ 28,483 $ 162,664 $ 30,106 $ 188,193 156 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)	9 Months Ended
	Sep. 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: September 30, December 31, (dollars in thousands) 2023 2022 Mortgage loans on real estate: Residential 1-4 family $ 184,535 $ 169,248 Commercial - owner occupied 162,611 184,586 Commercial - non-owner occupied 279,183 245,277 Multifamily 31,813 26,675 Construction and land development 94,143 77,944 Second mortgages 9,968 8,828 Equity lines of credit 53,784 54,340 Total mortgage loans on real estate 816,037 766,898 Commercial and industrial loans 73,279 72,578 Consumer automobile loans 170,637 163,018 Other consumer loans 20,309 22,251 Other (1) 2,416 2,340 Total loans, net of deferred fees (2) 1,082,678 1,027,085 Less: Allowance for credit losses on loans 11,844 10,526 Loans, net of allowance and deferred fees (2) $ 1,070,834 $ 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 $264 thousand and $269 thousand at September 30, 2023 and December 31, 2022, respectively. (2) Net deferred loan fees totaled $1.3 million on September 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, as of September 30, 2023. Age Analysis of Past Due Loans as of September 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 $ - $ - $ 398 $ 145 $ 183,992 $ 184,535 Commercial - owner occupied - 407 - - 162,204 162,611 Commercial - non-owner occupied 17 - - - 279,166 279,183 Multifamily - - - - 31,813 31,813 Construction and land development - - - 1,391 92,752 94,143 Second mortgages - - - - 9,968 9,968 Equity lines of credit - - - 47 53,737 53,784 Total mortgage loans on real estate $ 17 $ 407 $ 398 $ 1,583 $ 813,632 $ 816,037 Commercial and industrial loans 507 17 116 335 72,304 73,279 Consumer automobile loans 2,857 264 148 - 167,368 170,637 Other consumer loans 231 375 135 - 19,568 20,309 Other 54 - - - 2,362 2,416 Total $ 3,666 $ 1,063 $ 797 $ 1,918 $ 1,075,234 $ 1,082,678 (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, as of 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 September 30, 2023 by class of loan. Nonaccrual (dollars in thousands) January 1, 2023 September 30, 2023 Nonaccrual with no ACLL 90 Days and still Accruing Mortgage loans on real estate: Residential 1-4 family $ 154 $ 145 $ - $ 398 Construction and land development 945 1,391 1,391 - Equity lines of credit - 47 47 - Total mortgage loans on real estate 1,099 1,583 1,438 398 Commercial and industrial loans 144 335 35 116 Consumer automobile loans - - - 148 Other consumer loans - - - 135 Other - - - - Total $ 1,243 $ 1,918 $ 1,473 $ 797
Allowance for Credit Losses by Segment	The following tables presents the activity in the ACLL by portfolio class for the nine months ended September 30, 2023. ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS For the Nine Months ended September 30, 2023 (dollars in thousands) Commercial and Industrial Real Estate Construction and Land Development 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 (159 ) - - - (813 ) (228 ) - (1,200 ) Recoveries 64 - 28 - 393 41 - 526 Provision for loan losses 78 258 192 244 270 315 (6 ) 1,351 Ending Balance $ 645 $ 829 $ 2,882 $ 5,791 $ 1,550 $ 147 $ - $ 11,844 Individually evaluated $ - $ - $ 61 $ - $ - $ - $ - $ 61 Collectively evaluated 645 829 2,821 5,791 1,550 147 - 11,783 Ending Balance $ 645 $ 829 $ 2,882 $ 5,791 $ 1,550 $ 147 $ - $ 11,844 Loans Balances: Individually evaluated $ 334 $ 1,463 $ 503 $ 375 $ - $ - $ - $ 2,675 Collectively evaluated 72,945 92,680 279,597 441,419 190,946 2,416 - 1,080,003 Ending Balance $ 73,279 $ 94,143 $ 280,100 $ 441,794 $ 190,946 $ 2,416 $ - $ 1,082,678 (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 September 30, Nine Months Ended September 30, (dollars in thousands) 2023 2022 2023 2022 Provision for credit losses: Provision for loans $ 478 $ 402 $ 1,351 $ 1,073 Provison (recovery) for unfunded commitments 27 - (109 ) - Total $ 505 $ 402 $ 1,242 $ 1,073
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: September 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 $ 27,785 $ 34,339 $ 24,879 $ 3,399 $ 301 $ 419 $ 1,630 $ 92,752 OAEM - - - - - - - - Substandard - - 117 1,274 - - - 1,391 Total construction and land development $ 27,785 $ 34,339 $ 24,996 $ 4,673 $ 301 $ 419 $ 1,630 $ 94,143 Commercial real estate - owner occupied Pass $ 7,352 $ 34,082 $ 21,805 $ 13,859 $ 10,899 $ 64,449 $ 5,247 $ 157,693 OAEM - - - - 237 4,396 285 4,918 Substandard - - - - - - - - Total commercial real estate - owner occupied $ 7,352 $ 34,082 $ 21,805 $ 13,859 $ 11,136 $ 68,845 $ 5,532 $ 162,611 Commercial real estate - non-owner occupied Pass $ 26,999 $ 53,484 $ 97,508 $ 39,035 $ 11,419 $ 48,479 $ 2,259 $ 279,183 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 26,999 $ 53,484 $ 97,508 $ 39,035 $ 11,419 $ 48,479 $ 2,259 $ 279,183 Commercial and industrial Pass $ 15,350 $ 26,931 $ 5,126 $ 2,441 $ 2,302 $ 7,174 $ 13,620 $ 72,944 OAEM - - - - - - - - Substandard - - - - - 335 - 335 Total commercial and industrial $ 15,350 $ 26,931 $ 5,126 $ 2,441 $ 2,302 $ 7,509 $ 13,620 $ 73,279 Multifamily real estate Pass $ 9,699 $ 3,502 $ 2,168 $ 612 $ 5,991 $ 9,188 $ 653 $ 31,813 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ 9,699 $ 3,502 $ 2,168 $ 612 $ 5,991 $ 9,188 $ 653 $ 31,813 Residential 1-4 family Pass $ 23,298 $ 38,752 $ 40,529 $ 26,889 $ 13,286 $ 53,167 $ 51,824 $ 247,745 OAEM - - - - - - - - Substandard - - - 350 47 145 - 542 Total residential 1-4 family $ 23,298 $ 38,752 $ 40,529 $ 27,239 $ 13,333 $ 53,312 $ 51,824 $ 248,287 Consumer - automobile Pass $ 49,881 $ 92,976 $ 14,922 $ 4,932 $ 2,029 $ 5,897 $ - $ 170,637 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 49,881 $ 92,976 $ 14,922 $ 4,932 $ 2,029 $ 5,897 $ - $ 170,637 Consumer - other Pass $ 294 $ 630 $ 424 $ 125 $ 14 $ 16,505 $ 2,317 $ 20,309 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 294 $ 630 $ 424 $ 125 $ 14 $ 16,505 $ 2,317 $ 20,309 Other Pass $ 1,121 $ - $ - $ - $ - $ 1,295 $ - $ 2,416 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 1,121 $ - $ - $ - $ - $ 1,295 $ - $ 2,416 Total loans Pass $ 161,779 $ 284,696 $ 207,361 $ 91,292 $ 46,241 $ 206,573 $ 77,550 $ 1,075,492 OAEM - - - - 237 4,396 285 4,918 Substandard - - 117 1,624 47 480 - 2,268 Total loans $ 161,779 $ 284,696 $ 207,478 $ 92,916 $ 46,525 $ 211,449 $ 77,835 $ 1,082,678 The following table details the current period gross charge-offs of loans by year of origination as of September 30, 2023: September 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 $ - $ 140 $ 15 $ 4 $ - $ - $ - $ 159 Consumer - automobile 9 382 267 68 18 51 - 795 Consumer - other - - 5 - 3 10 - 18 Other (1) 206 22 - - - - - 228 Total $ 215 $ 544 $ 287 $ 72 $ 21 $ 61 $ - $ 1,200 (1) Gross charge-offs of other loans for the first nine months ended September 30, 2023 included $206 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)	9 Months Ended
	Sep. 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) September 30, 2023 Lease liabilities $ 1,353 Right-of-use assets $ 1,279 Weighted average remaining lease term 3.69 years Weighted average discount rate 2.98 %
Lease Cost	Three Months Ended September 30, Nine Months September 30, (dollars in thousands) 2023 2022 2023 2022 Operating lease cost $ 131 $ 87 $ 333 $ 251 Total lease cost $ 131 $ 87 $ 333 $ 251 Cash paid for amounts included in the measurement of lease liabilities $ 108 $ 85 $ 311 $ 254
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 (dollars in thousands) September 30, 2023 Three months ending December 31, 2023 $ 107 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 $ 1,447 Discount (94 ) Lease liabilities $ 1,353

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	9 Months Ended
	Sep. 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 Nine September 30 September 30 Affected Line Item on (dollars in thousands) 2023 2022 2023 2022 Consolidated Income Statement Tax credits and other benefits Amortization of operating losses $ 91 $ 51 $ 275 $ 153 ATM and other losses Tax benefit of operating losses* 19 11 58 32 Income tax expense Tax credits 77 89 232 267 Income tax expense Total tax benefits $ 96 $ 100 $ 290 $ 299 * Computed using a 21% tax rate.

Borrowings (Tables)

Borrowings (Tables)	9 Months Ended
	Sep. 30, 2023
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) September 30, 2023 December 31, 2022 Federal funds purchased $ - $ 11,378 Overnight repurchase agreements 1,323 4,987 Federal Home Loan Bank advances 49,450 46,100 Total short-term borrowings $ 50,773 $ 62,465 Maximum month-end outstanding balance (year-to-date) $ 84,360 $ 62,465 Average outstanding balance during the period $ 58,919 $ 11,776 Average interest rate (year-to-date) 4.91 % 2.34 % Average interest rate at end of period 5.61 % 4.58 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 2023
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amounts Represent Credit Risk	Financial instruments whose contract amounts represent credit risk were outstanding as of September 30, 2023 and December 31, 2022 were as follows: September 30, December 31, (dollars in thousands) 2023 2022 Commitments to extend credit: Home equity lines of credit $ 93,885 $ 87,722 Commercial real estate, construction and development loans committed but not funded 84,076 67,107 Other lines of credit (principally commercial) 48,760 51,742 Total $ 226,721 $ 206,571 Letters of credit $ 752 $ 904

Share-Based Compensation (Table

Share-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2023
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the nine months ended September 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 (25,926 ) 20.25 Forfeited (1,483 ) 17.20 Nonvested, September 30, 2023 54,593 $ 20.30

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	9 Months Ended
	Sep. 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 Nine Months Ended September 30, September 30, Affected Line Item on Consolidated Statement of Income (dollars in thousands) 2023 2022 2023 2022 Sale of securities Realized gain (loss) on sale of securities $ 30 $ - $ (134 ) $ - Gain (loss) on sale of securities, net Tax effect 6 - (28 ) - Income tax (benefit) expense $ 24 $ - $ (106 ) $ -
Changes in Accumulated Other Comprehensive Income (Loss), by Category	The following tables present the changes in accumulated other comprehensive income (loss), by category, net of tax, for the periods indicated: (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Three Months Ended September 30 2023 Balance at beginning of period $ (19,757 ) $ (19,757 ) Net other comprehensive loss (3,883 ) (3,883 ) Balance at end of period $ (23,640 ) $ (23,640 ) Three Months Ended September 30 2022 Balance at beginning of period $ (15,850 ) $ (15,850 ) Net other comprehensive loss (7,997 ) (7,997 ) Balance at end of period $ (23,847 ) $ (23,847 ) (dollars in thousands) Unrealized Gains (Losses) on Available-for-Sale Securities Accumulated Other Comprehensive (Loss) Income Nine September 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive loss (2,873 ) (2,873 ) Balance at end of period $ (23,640 ) $ (23,640 ) Nine September 30 2022 Balance at beginning of period $ 1,675 $ 1,675 Net other comprehensive loss (25,522 ) (25,522 ) Balance at end of period $ (23,847 ) $ (23,847 )
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (4,885 ) $ (1,026 ) $ (3,859 ) Reclassification adjustment for gains recognized in income (30 ) 6 (24 ) (4,915 ) (1,020 ) (3,883 ) Total change in accumulated other comprehensive loss, net $ (4,915 ) $ (1,020 ) $ (3,883 ) Three Months Ended September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (10,124 ) $ (2,127 ) $ (7,997 ) Total change in accumulated other comprehensive loss, net $ (10,124 ) $ (2,127 ) $ (7,997 ) Nine Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,771 ) $ (792 ) $ (2,979 ) Reclassification adjustment for losses recognized in income 134 (28 ) 106 (3,637 ) (820 ) (2,873 ) Total change in accumulated other comprehensive income, net $ (3,637 ) $ (820 ) $ (2,873 ) Nine Months Ended September 30, 2022 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (32,307 ) $ (6,785 ) $ (25,522 ) Total change in accumulated other comprehensive loss, net $ (32,307 ) $ (6,785 ) $ (25,522 )

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 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 September 30, 2023 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,777 $ - $ 3,777 $ - Obligations of U.S. Government agencies 44,555 - 44,555 - Obligations of state and political subdivisions 46,655 - 46,655 - Mortgage-backed securities 79,778 - 79,778 - Money market investments 1,906 - 1,906 - Corporate bonds and other securities 23,946 - 23,946 - Total available-for-sale securities 200,617 - 200,617 - Derivatives Interest rate lock 12 - 12 - Interest rate swap on loans 2,114 - 2,114 - Total assets $ 202,743 $ - $ 202,743 $ - Liabilities: Derivatives Interest rate swap on loans 2,114 - 2,114 - Total liabilities $ 2,114 $ - $ 2,114 $ - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 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 September 30, 2023 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Loans Loans held for sale $ 292 $ - $ 292 $ - Carrying Value at December 31, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 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 September 30, 2023 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 77,641 $ 77,641 $ - $ - Securities available-for-sale 200,617 - 200,617 - Restricted securities 5,176 - 5,176 - Loans held for sale 292 - 292 - Loans, net 1,070,834 - - 1,027,963 Derivatives Interest rate lock 12 - 12 - Interest rate swap on loans 2,114 - 2,114 - Bank owned life insurance 34,826 - 34,826 - Accrued interest receivable 4,758 - 4,758 - Liabilities Deposits $ 1,237,608 $ - $ 1,234,957 $ - Overnight repurchase agreements 1,323 - 1,323 - Federal Home Loan Bank advances 69,450 - 69,450 - Long term borrowings 29,636 - 24,812 - Derivatives Interest rate swap on loans 2,114 - 2,114 - Accrued interest payable 1,688 - 1,688 - Fair Value Measurements at December 31, 2022 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 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)	9 Months Ended
	Sep. 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 nine months ended September 30, 2023 and 2022 follows: Three Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 17,154 $ 35 $ 1,821 $ (1,821 ) $ 17,189 Income from fiduciary activities - 1,012 - - 1,012 Other income 2,215 270 50 (65 ) 2,470 Total operating income 19,369 1,317 1,871 (1,886 ) 20,671 Expenses Interest expense 5,468 - 295 - 5,763 Provision for credit losses 505 - - - 505 Salaries and employee benefits 6,589 1,018 223 - 7,830 Other expenses 4,657 347 112 (65 ) 5,051 Total operating expenses 17,219 1,365 630 (65 ) 19,149 Income (loss) before taxes 2,150 (48 ) 1,241 (1,821 ) 1,522 Income tax expense (benefit) 290 (9 ) (121 ) - 160 Net income (loss) $ 1,860 $ (39 ) $ 1,362 $ (1,821 ) $ 1,362 Capital expenditures $ 398 $ - $ - $ - $ 398 Total assets $ 1,438,599 $ 6,997 $ 129,495 $ (128,028 ) $ 1,447,063 Three Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 12,347 $ 21 $ 2,968 $ (2,968 ) $ 12,368 Income from fiduciary activities - 953 - - 953 Other income 2,085 342 50 (65 ) 2,412 Total operating income 14,432 1,316 3,018 (3,033 ) 15,733 Expenses Interest expense 502 - 295 - 797 Provision for credit losses 402 - - - 402 Salaries and employee benefits 5,733 902 186 - 6,821 Other expenses 4,413 288 108 (65 ) 4,744 Total operating expenses 11,050 1,190 589 (65 ) 12,764 Income before taxes 3,382 126 2,429 (2,968 ) 2,969 Income tax expense (benefit) 514 27 (114 ) - 427 Net income $ 2,868 $ 99 $ 2,543 $ (2,968 ) $ 2,542 Capital expenditures $ 355 $ 13 $ - $ - $ 368 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006 Nine Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 48,587 $ 102 $ 7,622 $ (7,622 ) $ 48,689 Income from fiduciary activities - 3,282 - - 3,282 Other income 6,420 724 150 (196 ) 7,098 Total operating income 55,007 4,108 7,772 (7,818 ) 59,069 Expenses Interest expense 11,466 - 885 - 12,351 Provision for credit losses 1,242 - - - 1,242 Salaries and employee benefits 19,419 3,191 626 - 23,236 Other expenses 13,786 992 378 (196 ) 14,960 Total operating expenses 45,913 4,183 1,889 (196 ) 51,789 Income (loss) before taxes 9,094 (75 ) 5,883 (7,622 ) 7,280 Income tax expense (benefit) 1,409 (12 ) (364 ) - 1,033 Net income (loss) $ 7,685 $ (63 ) $ 6,247 $ (7,622 ) $ 6,247 Capital expenditures $ 885 $ - $ - $ - $ 885 Total assets $ 1,438,599 $ 6,997 $ 129,495 $ (128,028 ) $ 1,447,063 Nine Months Ended September 30, 2022 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 33,871 $ 52 $ 7,826 $ (7,826 ) $ 33,923 Income from fiduciary activities - 3,086 - - 3,086 Other income 6,394 946 150 (196 ) 7,294 Total operating income 40,265 4,084 7,976 (8,022 ) 44,303 Expenses Interest expense 1,509 - 885 - 2,394 Provision for credit losses 1,073 - - - 1,073 Salaries and employee benefits 16,704 2,643 507 - 19,854 Other expenses 12,363 867 480 (196 ) 13,514 Total operating expenses 31,649 3,510 1,872 (196 ) 36,835 Income before taxes 8,616 574 6,104 (7,826 ) 7,468 Income tax expense (benefit) 1,243 122 (362 ) - 1,003 Net income $ 7,373 $ 452 $ 6,466 $ (7,826 ) $ 6,465 Capital expenditures $ 956 $ 13 $ - $ - $ 969 Total assets $ 1,308,759 $ 7,163 $ 123,327 $ (122,243 ) $ 1,317,006

Description of Business and S_4

Description of Business and Summary of Significant Accounting Policies, The Company (Details)	Sep. 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		Sep. 30, 2023	Dec. 31, 2022	Dec. 31, 2021
Impact of ASU 326 Adoption [Abstract]
Net decrease to retained earnings		$ (81,292)	$ (78,147)
Allowance for credit losses on loans		11,844	10,526	$ 9,865
Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans		645	673	683
Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans			552	459
Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans	[1]	2,882	2,575	2,390
Real Estate [Member] | Commercial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans		5,791	4,499	4,787
Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans	[2]	1,550	2,065	1,362
Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans		147	156	184
Unfunded Credit Exposure [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans		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 on loans			11,167
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Commercial and Industrial [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans			662
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Real Estate [Member] | Construction [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans			571
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Real Estate [Member] | Mortgage [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans			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 on loans			5,547
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Consumer [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans			1,700
Accounting Standards Update 2016-13 [Member] | Loans [Member] | Other [Member]
Impact of ASU 326 Adoption [Abstract]
Allowance for credit losses on loans			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 on loans			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 on loans			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 on loans			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 on loans			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 on loans			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 on loans			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 on loans			162
Accounting Standards Update 2016-13 [Member] | Impact of CECL Adoption [Member]
Impact of ASU 326 Adoption [Abstract]
Net decrease to retained earnings		$ 1,000
Allowance for credit losses on loans			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 on loans			(11)
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 on loans	[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 on loans			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 on loans	[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 on loans			(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 on loans			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 on loans			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 on loans			(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 on loans			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 on loans			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 on loans			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 on loans			(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 on loans			$ (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)	9 Months Ended
	Sep. 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)	9 Months Ended
	Sep. 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	Sep. 30, 2023 USD ($)
Description of Business and Summary of Significant Accounting Policies [Abstract]
Accrued interest receivable, included in other assets	$ 3.2

Securities, Amortized Costs and

Securities, Amortized Costs and Fair Values with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 230,541	$ 251,806
Gross unrealized gains	182	10
Gross unrealized (losses)	(30,106)	(26,298)
Fair value	200,617	225,518
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	4,075	8,013
Gross unrealized gains	0	0
Gross unrealized (losses)	(298)	(342)
Fair value	3,777	7,671
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	45,160	43,622
Gross unrealized gains	182	10
Gross unrealized (losses)	(787)	(1,233)
Fair value	44,555	42,399
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	58,394	70,491
Gross unrealized gains	0	0
Gross unrealized (losses)	(11,739)	(11,107)
Fair value	46,655	59,384
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	93,016	99,874
Gross unrealized gains	0	0
Gross unrealized (losses)	(13,238)	(10,961)
Fair value	79,778	88,913
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	1,906	1,816
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	1,906	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)	(4,044)	(2,655)
Fair value	$ 23,946	$ 25,335

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 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	9,448
Due after five through ten years	65,186
Due after ten years	152,141
Other securities, restricted	1,906
Amortized Cost	230,541	$ 251,806
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	1,825
Due after one year through five years	8,766
Due after five through ten years	54,922
Due after ten years	133,198
Other securities, restricted	1,906
Fair Value	$ 200,617	$ 225,518

Securities, Net Realized Gains

Securities, Net Realized Gains and Losses on Sale of Investments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Debt Securities, Available-for-Sale, Realized Gain (Loss) [Abstract]
Realized gains on sales of securities	$ 1,061	$ 0	$ 1,061	$ 0
Realized losses on sales of securities	(1,031)	0	(1,195)	0
Net realized gain (loss)	$ 30	$ 0	$ (134)	$ 0

Securities, Individual Securiti

Securities, Individual Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2023 USD ($) Security	Dec. 31, 2022 USD ($) Security
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 1,623	$ 11,227
12 months or more	28,483	15,071
Total	30,106	26,298
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	25,529	120,887
12 months or more	162,664	94,332
Total	$ 188,193	$ 215,219
Number of securities | Security	156	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	298	0
Total	298	342
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	7,671
12 months or more	3,777	0
Total	$ 3,777	$ 7,671
Number of securities | Security	1	4
Obligations of U.S. Government Agencies [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 67	$ 258
12 months or more	720	975
Total	787	1,233
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	9,217	13,873
12 months or more	25,820	22,851
Total	$ 35,037	$ 36,724
Number of securities | Security	45	43
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 415	$ 5,386
12 months or more	11,324	5,721
Total	11,739	11,107
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	2,379	33,720
12 months or more	44,276	23,856
Total	$ 46,655	$ 57,576
Number of securities | Security	44	56
Mortgage-backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 987	$ 4,157
12 months or more	12,251	6,804
Total	13,238	10,961
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	13,087	52,717
12 months or more	66,691	36,196
Total	$ 79,778	$ 88,913
Number of securities | Security	41	38
Corporate Bonds and Other Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 154	$ 1,084
12 months or more	3,890	1,571
Total	4,044	2,655
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	846	12,906
12 months or more	22,100	11,429
Total	$ 22,946	$ 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		Sep. 30, 2023	Dec. 31, 2022	Dec. 31, 2021
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[1]	$ 1,082,678	$ 1,027,085
Less: Allowance for credit losses on loans		11,844	10,526	$ 9,865
Loans, net of allowance and deferred fees	[1]	1,070,834	1,016,559
Overdrawn deposit accounts, excluding internal use accounts		264	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		816,037	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		184,535	169,248
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		441,794	429,863
Less: Allowance for credit losses on loans		5,791	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		162,611	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		279,183	245,277
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		31,813	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		94,143	77,944
Less: Allowance for credit losses on loans		829	552
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		9,968	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		53,784	54,340
Commercial and Industrial Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		73,279	72,578
Less: Allowance for credit losses on loans		645	673	683
Consumer [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[2]	190,946	185,269
Less: Allowance for credit losses on loans	[2]	1,550	2,065	1,362
Consumer [Member] | Consumer Automobile Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		170,637	163,018
Consumer [Member] | Other Consumer Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		20,309	22,251
Other [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[3]	2,416	2,340
Less: Allowance for credit losses on loans		147	$ 156	$ 184
Overdrawn deposit accounts, excluding internal use accounts		$ 206
[1]Net deferred loan fees totaled $1.3 million on September 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 $264 thousand and $269 thousand at September 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		Sep. 30, 2023	Dec. 31, 2022
Loans, Aging [Abstract]
Loans	[1]	$ 1,082,678	$ 1,027,085
Nonaccrual	[2]	1,918	1,243
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3,666	2,842
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,063	1,165
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		797	840
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	1,075,234	1,020,995
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		816,037	766,898
Nonaccrual	[2]	1,583	1,099
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		17	591
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		407	288
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		398	525
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	813,632	764,395
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		184,535	169,248
Nonaccrual	[2]	145	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		398	525
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	183,992	168,279
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Loans, Aging [Abstract]
Loans		441,794	429,863
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		162,611	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		407	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]	162,204	184,566
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		279,183	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		17	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]	279,166	245,071
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		31,813	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]	31,813	26,675
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Loans		94,143	77,944
Nonaccrual	[2]	1,391	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]	92,752	76,999
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		9,968	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]	9,968	8,809
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		53,784	54,340
Nonaccrual	[2]	47	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	56
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	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]	53,737	53,996
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		73,279	72,578
Nonaccrual	[2]	335	144
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		507	221
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		17	284
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		116	23
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	72,304	71,906
Consumer [Member]
Loans, Aging [Abstract]
Loans	[4]	190,946	185,269
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		170,637	163,018
Nonaccrual	[2]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2,857	1,538
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		264	221
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		148	212
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	167,368	161,047
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		20,309	22,251
Nonaccrual	[2]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		231	445
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		375	372
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		135	80
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	19,568	21,354
Other [Member]
Loans, Aging [Abstract]
Loans	[5]	2,416	2,340
Nonaccrual	[2]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		54	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]	$ 2,362	$ 2,293
[1]Net deferred loan fees totaled $1.3 million on September 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 $264 thousand and $269 thousand at September 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		Sep. 30, 2023	Dec. 31, 2022
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	$ 1,918	$ 1,243
Nonaccrual with no ACLL		1,473
90 Days and still Accruing		797
Mortgage Loans on Real Estate [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual	[1]	1,583	1,099
Nonaccrual with no ACLL		1,438
90 Days and still Accruing		398
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]	145	154
Nonaccrual with no ACLL		0
90 Days and still Accruing		398
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]	1,391	945
Nonaccrual with no ACLL		1,391
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]	47	0
Nonaccrual with no ACLL		47
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]	335	144
Nonaccrual with no ACLL		35
90 Days and still Accruing		116
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		148
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		135
Other [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
[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		9 Months Ended			12 Months Ended
		Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) Segment		Sep. 30, 2022 USD ($)	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				(1,200)			(2,022)
Recoveries				526			977
Provision for loan losses		$ 478	$ 402	1,351		1,073	1,706
Ending Balance		11,844		11,844			10,526
Individually evaluated for impairment		61		61			30
Collectively evaluated for impairment		11,783		11,783			10,496
Ending Balance		11,844		11,844			10,526
Loans Balances [Abstract]
Individually evaluated for impairment		2,675		2,675			1,856
Collectively evaluated for impairment		1,080,003		1,080,003			1,025,229
Ending Balance	[1]	1,082,678		1,082,678			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				(159)			(297)
Recoveries				64			134
Provision for loan losses				78			153
Ending Balance		645		645			673
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		645		645			673
Ending Balance		645		645			673
Loans Balances [Abstract]
Individually evaluated for impairment		334		334			144
Collectively evaluated for impairment		72,945		72,945			72,434
Ending Balance		73,279		73,279			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		816,037		816,037			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
Recoveries							0
Provision for loan losses							93
Ending Balance							552
Individually evaluated for impairment							6
Collectively evaluated for impairment							546
Ending Balance							552
Loans Balances [Abstract]
Individually evaluated for impairment							1,020
Collectively evaluated for impairment							76,924
Ending Balance							77,944
Real Estate [Member] | Construction and Land Development [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				552
Charge-offs				0
Recoveries				0
Provision for loan losses				258
Ending Balance		829		829			552
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		829		829
Ending Balance		829		829			552
Loans Balances [Abstract]
Individually evaluated for impairment		1,463		1,463
Collectively evaluated for impairment		92,680		92,680
Ending Balance		94,143		94,143			77,944
Real Estate [Member] | Construction and Land Development [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]			28			61
Provision for loan losses	[2]			192			149
Ending Balance	[2]	2,882		2,882			2,575
Individually evaluated for impairment	[2]	61		61			21
Collectively evaluated for impairment	[2]	2,821		2,821			2,554
Ending Balance	[2]	2,882		2,882			2,575
Loans Balances [Abstract]
Individually evaluated for impairment	[2]	503		503			279
Collectively evaluated for impairment	[2]	279,597		279,597			258,812
Ending Balance	[2]	280,100		280,100			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 loan losses				244			(310)
Ending Balance		5,791		5,791			4,499
Individually evaluated for impairment		0		0			3
Collectively evaluated for impairment		5,791		5,791			4,496
Ending Balance		5,791		5,791			4,499
Loans Balances [Abstract]
Individually evaluated for impairment		375		375			413
Collectively evaluated for impairment		441,419		441,419			429,450
Ending Balance		441,794		441,794			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]			(813)			(1,368)
Recoveries	[3]			393			648
Provision for loan losses	[3]			270			1,423
Ending Balance	[3]	1,550		1,550			2,065
Individually evaluated for impairment	[3]	0		0			0
Collectively evaluated for impairment	[3]	1,550		1,550			2,065
Ending Balance	[3]	1,550		1,550			2,065
Loans Balances [Abstract]
Individually evaluated for impairment	[3]	0		0			0
Collectively evaluated for impairment	[3]	190,946		190,946			185,269
Ending Balance	[3]	190,946		190,946			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				(228)	[4]		(332)
Recoveries				41			112
Provision for loan losses				315			192
Ending Balance		147		147			156
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		147		147			156
Ending Balance		147		147			156
Loans Balances [Abstract]
Individually evaluated for impairment		0		0			0
Collectively evaluated for impairment		2,416		2,416			2,340
Ending Balance	[5]	2,416		2,416			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 loan 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 September 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 nine months ended September 30, 2023 included $206 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 $264 thousand and $269 thousand at September 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		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Provision for Credit Losses [Abstract]
Provision for loans	$ 478	$ 402	$ 1,351	$ 1,073	$ 1,706
Provision (recovery) for unfunded commitments	27	0	(109)	0
Total	$ 505	$ 402	$ 1,242	$ 1,073

Loans and the Allowance for C_8

Loans and the Allowance for Credit Losses on Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands		9 Months Ended		12 Months Ended
		Sep. 30, 2023		Dec. 31, 2022
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		$ 161,779
2022		284,696
2021		207,478
2020		92,916
2019		46,525
Prior		211,449
Revolving Loans		77,835
Total loans	[1]	1,082,678		$ 1,027,085
Current Period Charge-offs by Origination Year [Abstract]
2023		215
2022		544
2021		287
2020		72
2019		21
Prior		61
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		1,200		2,022
Demand deposit overdrafts		264		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		161,779
2022		284,696
2021		207,361
2020		91,292
2019		46,241
Prior		206,573
Revolving Loans		77,550
Total loans		1,075,492
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		237
Prior		4,396
Revolving Loans		285
Total loans		4,918
Receivables [Abstract]
Gross loan receivables				285
Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		0
2022		0
2021		117
2020		1,624
2019		47
Prior		480
Revolving Loans		0
Total loans		2,268
Receivables [Abstract]
Gross loan receivables				1,523
Mortgage Loans on Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans		816,037		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				77,944
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs				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		27,785
2022		34,339
2021		24,996
2020		4,673
2019		301
Prior		419
Revolving Loans		1,630
Total loans		94,143		77,944
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs		0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		27,785
2022		34,339
2021		24,879
2020		3,399
2019		301
Prior		419
Revolving Loans		1,630
Total loans		92,752
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		117
2020		1,274
2019		0
Prior		0
Revolving Loans		0
Total loans		1,391
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans		441,794		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		7,352
2022		34,082
2021		21,805
2020		13,859
2019		11,136
Prior		68,845
Revolving Loans		5,532
Total loans		162,611		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		7,352
2022		34,082
2021		21,805
2020		13,859
2019		10,899
Prior		64,449
Revolving Loans		5,247
Total loans		157,693
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		237
Prior		4,396
Revolving Loans		285
Total loans		4,918
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		26,999
2022		53,484
2021		97,508
2020		39,035
2019		11,419
Prior		48,479
Revolving Loans		2,259
Total loans		279,183		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		26,999
2022		53,484
2021		97,508
2020		39,035
2019		11,419
Prior		48,479
Revolving Loans		2,259
Total loans		279,183
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		9,699
2022		3,502
2021		2,168
2020		612
2019		5,991
Prior		9,188
Revolving Loans		653
Total loans		31,813		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		9,699
2022		3,502
2021		2,168
2020		612
2019		5,991
Prior		9,188
Revolving Loans		653
Total loans		31,813
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		23,298
2022		38,752
2021		40,529
2020		27,239
2019		13,333
Prior		53,312
Revolving Loans		51,824
Total loans		248,287
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		23,298
2022		38,752
2021		40,529
2020		26,889
2019		13,286
Prior		53,167
Revolving Loans		51,824
Total loans		247,745
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		350
2019		47
Prior		145
Revolving Loans		0
Total loans		542
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		9,968		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		53,784		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		15,350
2022		26,931
2021		5,126
2020		2,441
2019		2,302
Prior		7,509
Revolving Loans		13,620
Total loans		73,279		72,578
Current Period Charge-offs by Origination Year [Abstract]
2023		0
2022		140
2021		15
2020		4
2019		0
Prior		0
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		159		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		15,350
2022		26,931
2021		5,126
2020		2,441
2019		2,302
Prior		7,174
Revolving Loans		13,620
Total loans		72,944
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		335
Revolving Loans		0
Total loans		335
Receivables [Abstract]
Gross loan receivables				144
Consumer [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans	[2]	190,946		185,269
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs	[2]	813		1,368
Consumer [Member] | Consumer Automobile [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		49,881
2022		92,976
2021		14,922
2020		4,932
2019		2,029
Prior		5,897
Revolving Loans		0
Total loans		170,637		163,018
Current Period Charge-offs by Origination Year [Abstract]
2023		9
2022		382
2021		267
2020		68
2019		18
Prior		51
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		795
Receivables [Abstract]
Gross loan receivables				163,018
Consumer [Member] | Consumer Automobile [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		49,881
2022		92,976
2021		14,922
2020		4,932
2019		2,029
Prior		5,897
Revolving Loans		0
Total loans		170,637
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		294
2022		630
2021		424
2020		125
2019		14
Prior		16,505
Revolving Loans		2,317
Total loans		20,309		22,251
Current Period Charge-offs by Origination Year [Abstract]
2023		0
2022		0
2021		5
2020		0
2019		3
Prior		10
Revolving Loans Amortized Cost Basis		0
Current period gross charge-offs		18
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		294
2022		630
2021		424
2020		125
2019		14
Prior		16,505
Revolving Loans		2,317
Total loans		20,309
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		1,121
2022		0
2021		0
2020		0
2019		0
Prior		1,295
Revolving Loans		0
Total loans	[3]	2,416		2,340
Current Period Charge-offs by Origination Year [Abstract]
2023	[4]	206
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		228	[4]	332
Demand deposit overdrafts		206
Receivables [Abstract]
Gross loan receivables				2,340
Other [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2023		1,121
2022		0
2021		0
2020		0
2019		0
Prior		1,295
Revolving Loans		0
Total loans		2,416
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 September 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 $264 thousand and $269 thousand at September 30, 2023 and December 31, 2022, respectively.[4]Gross charge-offs of other loans for the first nine months ended September 30, 2023 included $206 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	9 Months Ended
	Sep. 30, 2023 USD ($) Lease
Assets and Liabilities, Lessee [Abstract]
Number of new leases | Lease	0
Information about Leases [Abstract]
Lease liabilities	$ 1,353
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities
Right-of-use assets	$ 1,279
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets
Weighted average remaining lease term	3 years 8 months 8 days
Weighted average discount rate	2.98%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Lease cost [Abstract]
Operating lease cost	$ 131	$ 87	$ 333	$ 251
Total lease cost	131	87	333	251
Cash paid for amounts included in the measurement of lease liabilities	$ 108	$ 85	$ 311	$ 254

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Lease payments due [Abstract]
Three months ending December 31, 2023	$ 107
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	1,447
Discount	(94)
Lease liabilities	$ 1,353

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023 USD ($) Fund	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) Fund	Sep. 30, 2022 USD ($)	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		91	$ 51	275	$ 153
Tax benefit of operating losses	[1]	19	11	58	32
Tax credits		77	89	232	267
Total tax benefits		$ 96	$ 100	$ 290	$ 299
Effective income tax rate				21%
[1]Computed using a 21% tax rate.

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
	Jul. 14, 2021	Sep. 30, 2023	Dec. 31, 2022
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 100,000	$ 103,600
Available credit with FHLB		360,900	346,500
Short-Term Borrowings [Abstract]
Federal funds purchased		0	11,378
Overnight repurchase agreements		1,323	4,987
Federal Home Loan Bank advances		49,450	46,100
Total short-term borrowings		50,773	62,465
Maximum month-end outstanding balance (year-to-date)		84,360	62,465
Average outstanding balance during the period		$ 58,919	$ 11,776
Average interest rate (year-to-date)		4.91%	2.34%
Average interest rate at end of period		5.61%	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]
Principal amount	$ 30,000
Long term borrowings, net of issuance costs	$ 29,400
Loan maturity date		Dec. 31, 2031
Interest rate	3.50%
Fixed interest rate, period		5 years
The Notes [Member] | Subordinated Notes [Member] | SOFR [Member]
Long-Term Borrowings [Abstract]
Term of variable rate		3 months
Debt instrument, basis spread on variable rate	2.86%

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 226,721	$ 206,571
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	93,885	87,722
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	84,076	67,107
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	48,760	51,742
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 752	$ 904

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 171	$ 121	$ 419	$ 295
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)			46,989
Issued (in shares)			35,013
Vested (in shares)			(25,926)
Forfeited (in shares)			(1,483)
Nonvested balance at end of period (in shares)	54,593		54,593		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)			20.25
Forfeited (in dollars per share)			17.2
Non-vested balance at end of period (in dollars per share)	$ 20.3		$ 20.3		$ 22.49
Weighted-average remaining vesting period for recognition			1 year 7 months 24 days
Unrecognized stock-based compensation expense	$ 650	$ 591	$ 650	$ 591
Employee Stock Purchase Plan [Member]
Employee Stock Purchase Plan [Abstract]
Discount from market price at date of purchase			5%
Incentive Stock Plan [Abstract]
Total stock purchases under the plan (in shares)			5,453
Shares reserved for issuance (in shares)	216,325		216,325
Employee Stock Purchase Plan [Member] | Minimum [Member]
Employee Stock Purchase Plan [Abstract]
Discount from market price at date of purchase					0%
Employee Stock Purchase Plan [Member] | Maximum [Member]
Employee Stock Purchase Plan [Abstract]
Discount from market price at date of purchase					15%
Incentive Stock Plan [Member]
Incentive Stock Plan [Abstract]
Shares available for grant (in shares)	300,000		300,000

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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Sale of Securities [Abstract]
Realized gain (loss) on sale of securities	$ 30	$ 0	$ (134)	$ 0
Tax effect	6	0	(28)	0
Total	$ 24	$ 0	$ (106)	$ 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Stockholders Equity Note [Abstract]
Beginning Balance	$ 102,542	$ 101,150	$ 98,734	$ 120,818
Ending Balance	99,526	93,512	99,526	93,512
Other comprehensive income (Loss), pretax [Abstract]
Unrealized holding losses arising during the period, pretax	(4,885)	(10,124)	(3,771)	(32,307)
Reclassification adjustment for gains (losses) recognized in income, pretax	(30)	0	134	0
Total change in accumulated other comprehensive income (loss), net, pretax	(4,915)	(10,124)	(3,637)	(32,307)
Other Comprehensive Income (Loss), Tax Effect [Abstract]
Unrealized holding losses arising during the period, tax effect	(1,026)	(2,127)	(792)	(6,785)
Reclassification adjustment for gains (losses) recognized in income, tax effect	6	0	(28)	0
Total change in accumulated other comprehensive income (loss), net, tax effect	(1,020)	(2,127)	(820)	(6,785)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Net unrealized losses on available-for-sale securities	(3,859)	(7,997)	(2,979)	(25,522)
Reclassification adjustment for gains (losses) recognized in income, net of tax	(24)	0	106	0
Other comprehensive loss, net of tax	(3,883)	(7,997)	(2,873)	(25,522)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(19,757)	(15,850)	(20,767)	1,675
Net other comprehensive loss	(3,883)	(7,997)	(2,873)	(25,522)
Ending Balance	(23,640)	(23,847)	(23,640)	(23,847)
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(19,757)	(15,850)	(20,767)	1,675
Net other comprehensive loss	(3,883)	(7,997)	(2,873)	(25,522)
Ending Balance	(23,640)	(23,847)	(23,640)	(23,847)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Other comprehensive loss, net of tax	$ (3,883)	$ (7,997)	$ (2,873)	$ (25,522)

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
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	Sep. 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	$ 200,617	$ 225,518
Derivative [Abstract]
Loans held for sale	292	421
Other real estate owned	0	0
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,777	7,671
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	44,555	42,399
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	46,655	59,384
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	79,778	88,913
Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,906	1,816
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	12	23
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	2,114	1,447
Derivative [Abstract]
Derivative Liabilities	2,114	1,447
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	200,617	225,518
Derivatives [Abstract]
Total assets	202,743	226,988
Derivative [Abstract]
Total liabilities	2,114	1,447
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,777	7,671
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	44,555	42,399
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	46,655	59,384
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	79,778	88,913
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,906	1,816
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	23,946	25,335
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	12	23
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	2,114	1,447
Derivative [Abstract]
Derivative Liabilities	2,114	1,447
Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		110
Loans held for sale	292	421
Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans		110
Level 1 [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
Loans held for sale	0	0
Level 1 [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Level 1 [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
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
Level 1 [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Level 1 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Level 1 [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		0
Loans held for sale	0	0
Level 1 [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans		0
Level 2 [Member]
Assets [Abstract]
Debt securities, available-for-sale	200,617	225,518
Derivative [Abstract]
Loans held for sale	292	421
Level 2 [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	12	23
Level 2 [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	2,114	1,447
Derivative [Abstract]
Derivative Liabilities	2,114	1,447
Level 2 [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	200,617	225,518
Derivatives [Abstract]
Total assets	202,743	226,988
Derivative [Abstract]
Total liabilities	2,114	1,447
Level 2 [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,777	7,671
Level 2 [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	44,555	42,399
Level 2 [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	46,655	59,384
Level 2 [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	79,778	88,913
Level 2 [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	1,906	1,816
Level 2 [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	23,946	25,335
Level 2 [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	12	23
Level 2 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	2,114	1,447
Derivative [Abstract]
Derivative Liabilities	2,114	1,447
Level 2 [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		0
Loans held for sale	292	421
Level 2 [Member] | Nonrecurring [Member] | Construction [Member]
Derivative [Abstract]
Impaired loans		0
Level 3 [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Derivative [Abstract]
Loans held for sale	0	0
Level 3 [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Level 3 [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
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
Level 3 [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Level 3 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Level 3 [Member] | Nonrecurring [Member]
Derivative [Abstract]
Impaired loans		110
Loans held for sale	$ 0	0
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	Sep. 30, 2023	Dec. 31, 2022
Assets [Abstract]
Cash and cash equivalents	$ 77,641	$ 19,250
Securities available-for-sale, at fair value	200,617	225,518
Restricted securities	5,176	3,434
Loans held for sale	292	421
Loans, net	1,070,834	1,016,559
Bank owned life insurance	34,826	34,049
Accrued interest receivable	4,758	4,253
Liabilities [Abstract]
Deposits	1,237,608	1,156,019
Federal funds purchased		11,378
Overnight repurchase agreements	1,323	4,987
Federal Home Loan Bank advances	69,450
Federal Reserve Bank borrowings		46,100
Long term borrowings	29,636	29,538
Accrued interest payable	1,688	834
Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	12	23
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	2,114	1,447
Liabilities [Abstract]
Derivative	2,114	1,447
Level 1 [Member]
Assets [Abstract]
Cash and cash equivalents	77,641	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
Level 1 [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	0	0
Level 1 [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	0	0
Liabilities [Abstract]
Derivative	0	0
Level 2 [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale, at fair value	200,617	225,518
Restricted securities	5,176	3,434
Loans held for sale	292	421
Loans, net	0	0
Bank owned life insurance	34,826	34,049
Accrued interest receivable	4,758	4,253
Liabilities [Abstract]
Deposits	1,234,957	1,156,019
Federal funds purchased		11,378
Overnight repurchase agreements	1,323	4,987
Federal Home Loan Bank advances	69,450
Federal Reserve Bank borrowings		46,100
Long term borrowings	24,812	25,539
Accrued interest payable	1,688	834
Level 2 [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	12	23
Level 2 [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	2,114	1,447
Liabilities [Abstract]
Derivative	2,114	1,447
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	1,027,963	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
Level 3 [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives	0	0
Level 3 [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	0	0
Liabilities [Abstract]
Derivative	$ 0	$ 0

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) Segment	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment			3
Revenues [Abstract]
Interest and dividend income	$ 17,189	$ 12,368	$ 48,689	$ 33,923
Total operating income	20,671	15,733	59,069	44,303
Expenses [Abstract]
Interest expense	5,763	797	12,351	2,394
Provision for credit losses	505	402	1,242	1,073
Salaries and employee benefits	7,830	6,821	23,236	19,854
Other expenses	5,051	4,744	14,960	13,514
Total operating expenses	19,149	12,764	51,789	36,835
Income before income taxes	1,522	2,969	7,280	7,468
Income tax expense (benefit)	160	427	1,033	1,003
Net income	1,362	2,542	6,247	6,465
Capital expenditures	398	368	885	969
Total assets	1,447,063	1,317,006	1,447,063	1,317,006	$ 1,355,335
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,012	953	3,282	3,086
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,470	2,412	7,098	7,294
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	17,154	12,347	48,587	33,871
Total operating income	19,369	14,432	55,007	40,265
Expenses [Abstract]
Interest expense	5,468	502	11,466	1,509
Provision for credit losses	505	402	1,242	1,073
Salaries and employee benefits	6,589	5,733	19,419	16,704
Other expenses	4,657	4,413	13,786	12,363
Total operating expenses	17,219	11,050	45,913	31,649
Income before income taxes	2,150	3,382	9,094	8,616
Income tax expense (benefit)	290	514	1,409	1,243
Net income	1,860	2,868	7,685	7,373
Capital expenditures	398	355	885	956
Total assets	1,438,599	1,308,759	1,438,599	1,308,759
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	2,215	2,085	6,420	6,394
Operating Segments [Member] | Wealth [Member]
Revenues [Abstract]
Interest and dividend income	35	21	102	52
Total operating income	1,317	1,316	4,108	4,084
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	1,018	902	3,191	2,643
Other expenses	347	288	992	867
Total operating expenses	1,365	1,190	4,183	3,510
Income before income taxes	(48)	126	(75)	574
Income tax expense (benefit)	(9)	27	(12)	122
Net income	(39)	99	(63)	452
Capital expenditures	0	13	0	13
Total assets	6,997	7,163	6,997	7,163
Operating Segments [Member] | Wealth [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,012	953	3,282	3,086
Operating Segments [Member] | Wealth [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	270	342	724	946
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	1,821	2,968	7,622	7,826
Total operating income	1,871	3,018	7,772	7,976
Expenses [Abstract]
Interest expense	295	295	885	885
Provision for credit losses	0	0	0	0
Salaries and employee benefits	223	186	626	507
Other expenses	112	108	378	480
Total operating expenses	630	589	1,889	1,872
Income before income taxes	1,241	2,429	5,883	6,104
Income tax expense (benefit)	(121)	(114)	(364)	(362)
Net income	1,362	2,543	6,247	6,466
Capital expenditures	0	0	0	0
Total assets	129,495	123,327	129,495	123,327
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	50	50	150	150
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(1,821)	(2,968)	(7,622)	(7,826)
Total operating income	(1,886)	(3,033)	(7,818)	(8,022)
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	(65)	(65)	(196)	(196)
Total operating expenses	(65)	(65)	(196)	(196)
Income before income taxes	(1,821)	(2,968)	(7,622)	(7,826)
Income tax expense (benefit)	0	0	0	0
Net income	(1,821)	(2,968)	(7,622)	(7,826)
Capital expenditures	0	0	0	0
Total assets	(128,028)	(122,243)	(128,028)	(122,243)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (65)	$ (65)	$ (196)	$ (196)