Old Point Financial (OPOF) 10-Q 14 May 24 2024 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2024	May 09, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value 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		5,075,596

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 16,427	$ 14,731
Interest-bearing due from banks		75,584	63,539
Federal funds sold		1,300	489
Cash and cash equivalents		93,311	78,759
Securities available-for-sale, at fair value		199,798	204,278
Restricted securities, at cost		5,239	5,176
Loans held for sale		0	470
Loans, net	[1]	1,055,955	1,068,046
Premises and equipment, net		30,178	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		35,353	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		176	187
Other assets		23,485	22,471
Total assets		1,445,489	1,446,382
Deposits:
Noninterest-bearing deposits		355,140	331,992
Savings deposits		632,696	655,694
Time deposits		240,433	242,711
Total deposits		1,228,269	1,230,397
Overnight repurchase agreements		1,684	2,383
Federal Home Loan Bank advances		69,450	69,450
Subordinated notes		29,701	29,668
Accrued expenses and other liabilities		8,755	7,706
Total liabilities		1,337,859	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,040,391 and 5,040,095 shares outstanding (includes 51,169 and 53,660 of nonvested restricted stock, respectively)		24,946	24,932
Additional paid-in capital		17,193	17,099
Retained earnings		83,289	82,277
Accumulated other comprehensive loss, net		(17,798)	(17,530)
Total stockholders' equity		107,630	106,778
Total liabilities and stockholders' equity		$ 1,445,489	$ 1,446,382
[1]Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2024	Dec. 31, 2023
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)	5,040,391	5,040,095
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	51,169	53,660

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans, including fees	$ 14,544	$ 13,041
Due from banks	799	64
Federal funds sold	9	6
Securities:
Taxable	1,798	1,764
Tax-exempt	139	212
Dividends and interest on all other securities	94	66
Total interest and dividend income	17,383	15,153
Interest expense:
Checking and savings deposits	2,597	854
Time deposits	2,172	537
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	1	37
Federal Home Loan Bank advances	778	295
Long-term borrowings	295	617
Total interest expense	5,843	2,340
Net interest income	11,540	12,813
Provision for credit losses	80	376
Net interest income after provision for credit losses	11,460	12,437
Noninterest income:
Bank-owned life insurance income	265	254
Mortgage banking income	16	95
Gain on sale of repossessed assets	22	0
Total noninterest income	3,222	3,421
Noninterest expense:
Salaries and employee benefits	7,831	7,363
Occupancy and equipment	1,173	1,195
Data processing	1,315	1,179
Customer development	55	113
Professional services	585	673
Employee professional development	211	234
Other taxes	261	213
ATM and other losses	231	255
Other operating expenses	1,041	943
Total noninterest expense	12,703	12,168
Income before income taxes	1,979	3,690
Income tax expense	262	607
Net income	$ 1,717	$ 3,083
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,039,819	4,999,887
Net income per share of common stock (in dollars per share)	$ 0.34	$ 0.62
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,039,876	5,000,020
Net income per share of common stock (in dollars per share)	$ 0.34	$ 0.62
Fiduciary and Asset Management Fees [Member]
Noninterest income:
Noninterest revenue	$ 1,192	$ 1,116
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest revenue	758	753
Other Service Charges, Commissions and Fees [Member]
Noninterest income:
Noninterest revenue	883	1,109
Other Operating Income [Member]
Noninterest income:
Noninterest revenue	$ 86	$ 94

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 1,717	$ 3,083
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	(268)	2,332
Other comprehensive income (loss), net of tax	(268)	2,332
Comprehensive income	$ 1,449	$ 5,415

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, 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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration] | ASC 326 [Member]						ASC 326 [Member]
Net income	$ 0		0		3,083		0		3,083
Other comprehensive (loss) income, net of tax	0		0		0		2,332		2,332
Employee Stock Purchase Plan share issuance	$ 6		27		0		0		33
Employee Stock Purchase Plan share issuance (in shares)	1,248
Share-based compensation expense	$ 0		107		0		0		107
Cash dividends	0		0		(700)		0		(700)
Ending Balance at Mar. 31, 2023	$ 24,767		16,727		79,539		(18,435)		102,598
Ending Balance (in shares) at Mar. 31, 2023	4,953,342
Beginning Balance at Dec. 31, 2023	$ 24,932		17,099		82,277		(17,530)		$ 106,778
Beginning Balance (in shares) at Dec. 31, 2023	4,986,435								5,040,095
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		1,717		0		$ 1,717
Other comprehensive (loss) income, net of tax	0		0		0		(268)		(268)
Employee Stock Purchase Plan share issuance	$ 10		23		0		0		33
Employee Stock Purchase Plan share issuance (in shares)	2,026
Restricted stock vested	$ 4		(4)		0		0		0
Restricted stock vested (in shares)	761
Share-based compensation expense	$ 0		75		0		0		75
Cash dividends	0		0		(705)		0		(705)
Ending Balance at Mar. 31, 2024	$ 24,946		$ 17,193		$ 83,289		$ (17,798)		$ 107,630
Ending Balance (in shares) at Mar. 31, 2024	4,989,222								5,040,391

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.14	$ 0.14

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating activities:
Net income	$ 1,717	$ 3,083
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	534	534
Amortization of right of use lease asset	91	101
Accretion related to acquisition, net	11	11
Amortization of subordinated debt issuance costs	33	32
Provision for credit losses	80	376
Net amortization of securities	154	186
Decrease in loans held for sale, net	470	96
Net gain on write-down/sale of repossessed assets	(22)	0
Income from bank owned life insurance	(265)	(254)
Stock compensation expense	75	107
(Increase) decrease in other assets	(147)	621
Increase (decrease) in accrued expenses and other liabilities	1,047	(1,392)
Net cash provided by operating activities	3,778	3,501
Investing activities:
Purchases of available-for-sale securities	(1,230)	(1,145)
Purchase of restricted securities, net	(63)	(1,045)
Proceeds from maturities and paydowns of available-for-sale securities	570	0
Proceeds from sales of available-for-sale securities	450	1,300
Paydowns on available-for-sale securities	4,197	4,216
Net decrease (increase) in loans held for investment	11,148	(54,359)
Purchases of premises and equipment	(799)	(130)
Net cash provided by (used in) investing activities	14,273	(51,163)
Financing activities:
Increase (decrease) in noninterest-bearing deposits	23,148	(13,422)
(Decrease) increase in savings deposits	(22,998)	44,956
(Decrease) increase in time deposits	(2,278)	12,062
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(699)	(11,848)
Increase in Federal Home Loan Bank advances	34,200	145,500
Repayment of Federal Home Loan Bank advances	(34,200)	(119,100)
Proceeds from Employee Stock Purchase Plan issuance	33	33
Cash dividends paid on common stock	(705)	(700)
Net cash (used in) provided by financing activities	(3,499)	57,481
Net increase in cash and cash equivalents	14,552	9,819
Cash and cash equivalents at beginning of period	78,759	19,250
Cash and cash equivalents at end of period	93,311	29,069
Cash payments for:
Interest	6,007	2,417
Supplemental schedule of noncash transactions
Unrealized gain (loss) on securities available-for-sale	(339)	2,952
Loans transferred to repossessed assets	865	0
Impact of adoption of ASC 326	$ 0	$ 991

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2024
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) 31, 2024, 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 related statements of income, comprehensive income, changes in stockholders’ equity, and cash flows for the three months ended March 31, 2024 and 2023. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. These Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and notes thereto included in the Company’s 2023 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 and evaluation of goodwill for impairment. In the opinion of management, all adjustments, consisting only of normal recurring adjustments, which are necessary for a fair presentation of the results of operations in these financial statements, have been made. Reclassification Certain reclassifications have been made to the prior period financial statements to conform to the current period presentation. None of these reclassifications are considered material and did not affect net income or total equity. Recent Accounting Pronouncements In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848) – Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” Subsequently, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. This guidance provides temporary, optional expedients and exceptions to ease the potential burden in accounting for modifications of loan contracts, borrowings, and other transactions related to reference rate reform associated with the LIBOR transition if certain criteria are met. The amendments are effective as of March 12, 2020 through December 31, 2024 and can be adopted at an instrument level. These modifications have not had and are not expected to have a material impact on the consolidated financial statements. In November 2023, FASB issued ASU 2023-07, “Segment Reporting (Topic 280) – Improvements to Reportable Segment Disclosures.” The amendments in ASU 2023-07 require that a public entity disclose, on an annual and interim basis, significant segment expenses that are regularly provided to the chief operating decision maker and included within each reported measure of segment profit or loss, require other segment items by reportable segment to be disclosed and a description of their composition, and require disclosure of the title and position of the chief operating decision maker and an explanation of how they use the reported measure of segment profit or loss in assessing segment performance and deciding how to allocate resources. The amendments apply to all public entities that are required to report segment information in accordance with Topic 280, “Segment Reporting,” and are effective for fiscal years beginning after December 15, 2023, and interim periods with fiscal years beginning after December 15, 2024. Early adoption is permitted. The amendments are to be applied retrospectively to all prior periods presented. The Company does not expect the adoption of ASU 2023-07 to have a material effect on its consolidated financial statements. In November 2023, FASB issued ASU 2023-09, “Income Taxes (Topic 740) – Improvements to Income Tax Disclosures.” The amendments in ASU 2023-09 require that a public entity disclose, on an annual basis, specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold, the amount of income taxes paid disaggregated by federal, state and foreign taxes, and the amount of income taxes paid disaggregated by individual jurisdictions in which income taxes paid is equal to or greater than five percent of total income taxes paid. The amendments also require that entities disclose income from continuing operations before income tax expense disaggregated between domestic and foreign, as well as income tax expense from continuing operations disaggregated by federal, state, and foreign. The amendments apply to all public entities that are subject to Topic 740, “Income Taxes,” and are effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The amendments are to be applied on a prospective basis; however, retrospective application is permitted. The Company does not expect the adoption of ASU 2023-09 to have a material effect on its consolidated financial statements. Other accounting standards that have been adopted by the Company or issued by the FASB or other standards-setting bodies have not or are not currently expected to have a material effect on the Company’s financial position, results of operations or cash flows .

Securities

Securities	3 Months Ended
	Mar. 31, 2024
Securities [Abstract]
Securities	Note 2. Securities The Company’s debt securities all of which are classified as available for sale, are summarized as follows: March 31, 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,060 $ - $ (216 ) $ 3,844 Obligations of U.S. Government agencies 40,097 259 (490 ) 39,866 Obligations of state and political subdivisions 58,020 10 (7,972 ) 50,058 Mortgage-backed securities 89,823 17 (10,712 ) 79,128 Money market investments 2,827 - - 2,827 Corporate bonds and other securities 27,500 - (3,425 ) 24,075 $ 222,327 $ 286 $ (22,815 ) $ 199,798 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,068 $ - $ (211 ) $ 3,857 Obligations of U.S. Government agencies 43,233 167 (665 ) 42,735 Obligations of state and political subdivisions 58,292 13 (7,708 ) 50,597 Mortgage-backed securities 91,328 84 (10,105 ) 81,307 Money market investments 2,047 - - 2,047 Corporate bonds and other securities 27,500 - (3,765 ) 23,735 $ 226,468 $ 264 $ (22,454 ) $ 204,278 The amortized cost and fair value of securities at March 31, 2024 and December 31, 2023, by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to prepay obligations with or without call or prepayment penalties. March 31, 2024 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 4,227 $ 4,195 Due after one year through five years 20,528 18,941 Due after five through ten years 54,655 47,257 Due after ten years 142,917 129,405 $ 222,327 $ 199,798 December 31, 2023 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 3,617 $ 3,588 Due after one year through five years 12,962 12,178 Due after five through ten years 63,248 54,806 Due after ten years 146,641 133,706 $ 226,468 $ 204,278 The Company did not record any gains or losses on the sale of investment securities during the three months ended March 31, 2024 and 2023, respectively. 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 March 31, 2024 and December 31, 2023, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of the dates indicated: March 31, 2024 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 $ - $ - $ 216 $ 3,844 $ 216 $ 3,844 1 Obligations of U.S. Government agencies 43 8,009 447 18,975 490 26,984 39 Obligations of state and political subdivisions - - 7,972 49,060 7,972 49,060 42 Mortgage-backed securities 169 4,281 10,543 70,182 10,712 74,463 39 Corporate bonds and other securities - - 3,425 23,075 3,425 23,075 23 Total securities available-for-sale $ 212 $ 12,290 $ 22,603 $ 165,136 $ 22,815 $ 177,426 144 December 31, 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 $ - $ - $ 211 $ 3,857 $ 211 $ 3,857 1 Obligations of U.S. Government agencies 91 8,803 574 22,817 665 31,620 43 Obligations of state and political subdivisions - - 7,708 49,597 7,708 49,597 43 Mortgage-backed securities 96 4,423 10,009 73,347 10,105 77,770 40 Corporate bonds and other securities - - 3,765 22,735 3,765 22,735 23 Total securities available-for-sale $ 187 $ 13,226 $ 22,267 $ 172,353 $ 22,454 $ 185,579 150 The number of investments in an unrealized loss position as of March 31, 2024 and December 31, 2023 were 144 and 150, respectively. The Company concluded no ACL should be recognized as of March 31, 2024 and December 31, 2023 based primarily on the fact that (1) changes in fair value were caused primarily by fluctuations in interest rates, (2) securities with unrealized losses had generally high credit quality, (3) the Company intends to hold these investments in debt securities to maturity and it is more-likely-than-not that the Company will not be required to sell these investments before a recovery of its investment, and (4) issuers have continued to make timely payments of principal and interest. Additionally, the Company’s state and political subdivision securities are rated AA or better and the Company receives a surveillance report that is reviewed quarterly for indications of credit concerns. 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. The Company’s corporate bonds and other securities portfolio issuers consist of bank holding companies that are monitored on a quarterly basis by the Company’s credit department for indications of declining credit quality. 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. The Company did not consider its investment in restricted stock to be impaired at March 31, 2024 and no impairment has been recognized.

Loans and the Allowance for Cre

Loans and the Allowance for Credit Losses on Loans	3 Months Ended
	Mar. 31, 2024
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 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: March 31, December 31, (dollars in thousands) 2024 2023 Mortgage loans on real estate: Residential 1-4 family $ 190,184 $ 188,517 Commercial - owner occupied 153,815 156,466 Commercial - non-owner occupied 289,183 285,250 Multifamily 29,506 29,207 Construction and land development 109,971 107,179 Second mortgages 9,891 10,148 Equity lines of credit 57,880 55,981 Total mortgage loans on real estate 840,430 832,748 Commercial and industrial loans 57,195 64,112 Consumer automobile loans 148,277 160,437 Other consumer loans 19,555 19,718 Other (1) 2,446 3,237 Total loans, net of deferred fees (2) 1,067,903 1,080,252 Less: Allowance for credit losses on loans 11,948 12,206 Loans, net of allowance and deferred fees (2) $ 1,055,955 $ 1,068,046 (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 $423 thousand and $244 thousand at March 31, 2024 and December 31, 2023, respectively. (2) Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023. 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 tables show the aging of the Company’s loan portfolio, by class, as of March 31, 2024 and December 31, 2023. Age Analysis of Past Due Loans as of March 31, 2024 (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 $ 280 $ 44 $ - $ 139 $ 189,718 $ 190,184 Commercial - owner occupied - - - - 153,815 153,815 Commercial - non-owner occupied - - 92 - 289,091 289,183 Multifamily - - - - 29,506 29,506 Construction and land development - - - - 109,971 109,971 Second mortgages 49 - 61 - 9,781 9,891 Equity lines of credit 50 - - 45 57,784 57,880 Total mortgage loans on real estate $ 379 $ 44 $ 153 $ 184 $ 839,666 $ 840,430 Commercial and industrial loans 271 - 193 - 56,731 57,195 Consumer automobile loans 2,325 585 473 10 144,894 148,277 Other consumer loans 675 95 59 - 18,726 19,555 Other 56 - - - 2,390 2,446 Total $ 3,706 $ 724 $ 878 $ 194 $ 1,062,407 $ 1,067,903 Age Analysis of Past Due Loans as of December 31, 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 $ 1,194 $ - $ 368 $ 142 $ 186,813 $ 188,517 Commercial - owner occupied 100 - 322 - 156,044 156,466 Commercial - non-owner occupied - 896 - - 284,354 285,250 Multifamily - - - - 29,207 29,207 Construction and land development - - - - 107,179 107,179 Second mortgages 160 6 - - 9,982 10,148 Equity lines of credit 205 - - 46 55,730 55,981 Total mortgage loans on real estate $ 1,659 $ 902 $ 690 $ 188 $ 829,309 $ 832,748 Commercial and industrial loans 527 427 306 - 62,852 64,112 Consumer automobile loans 3,254 706 661 - 155,816 160,437 Other consumer loans 634 264 123 - 18,697 19,718 Other 29 - - - 3,208 3,237 Total $ 6,103 $ 2,299 $ 1,780 $ 188 $ 1,069,882 $ 1,080,252 (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 March 31, 2024 and December 31, 2023. All nonaccrual loans had an ACLL as of March 31, 2024 and December 31, 2023. Nonaccrual (dollars in thousands) March 31, 2024 December 31, 2023 Mortgage loans on real estate: Residential 1-4 family $ 139 $ 142 Commercial - non-owner occupied - - Second mortgages - - Equity lines of credit 45 46 Total mortgage loans on real estate 184 188 Commercial and industrial loans - - Consumer automobile loans 10 - Other consumer loans - - Total $ 194 $ 188 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 three months ended March 31, 2024 and March 31, 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 (owner occupied and non-owner occupied): ● Real estate - mortgage: ● Consumer loans: ● Other loans: The following tables presents the activity in the ACLL by portfolio class for the three months ended March 31, 2024 and March 31, 2023. Allowance for Credit Losses and Recorded Investment in Loans For the Three Months ended March 31, 2024 (dollars in thousands) Commercial and Industrial Real Estate Construction and Land Development Real Estate - Mortgage (1) Real Estate - Commercial (2) Consumer (3) Other Unallocated Total Allowance for credit losses on loans: Balance, beginning $ 573 $ 982 $ 2,904 $ 5,742 $ 1,827 $ 178 $ - $ 12,206 Charge-offs - - - - (462 ) (32 ) - (494 ) Recoveries 4 - 13 11 123 7 - 158 Provision for loan losses (91 ) 33 (72 ) (129 ) 294 43 - 78 Ending Balance $ 486 $ 1,015 $ 2,845 $ 5,624 $ 1,782 $ 196 $ - $ 11,948 For the Three Months Ended March 31, 2023 (dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial (2) Consumer (3) Other Unallocated Total Allowance for loan losses: 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 - - - - (377 ) (72 ) - (449 ) Recoveries 8 - 11 - 237 14 - 270 Provision for loan losses (6 ) 82 199 70 81 143 (6 ) 563 Ending Balance $ 664 $ 653 $ 2,872 $ 5,617 $ 1,641 $ 104 $ - $ 11,551 (1) The real estate-mortgage segment included residential 1-4 family, multi-family, second mortgages and equity lines of credit. (2) The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied. (3) 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 March 31, (dollars in thousands) 2024 2023 Provision for credit losses: Provision for loans $ 78 $ 563 Provison for (recovery of) unfunded commitments 2 (187 ) Total $ 80 $ 376 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: March 31, 2024 Term Loans Amortized Cost Basis by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total Construction and land development Pass $ 7,703 $ 37,156 $ 33,585 $ 25,750 $ 3,095 $ 561 $ 2,121 $ 109,971 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 7,703 $ 37,156 $ 33,585 $ 25,750 $ 3,095 $ 561 $ 2,121 $ 109,971 Commercial real estate - owner occupied Pass $ 423 $ 11,214 $ 34,968 $ 20,108 $ 13,443 $ 66,123 $ 3,870 $ 150,149 OAEM - - - - - 2,827 750 3,577 Substandard - - - - - 89 - 89 Total commercial real estate - owner occupied $ 423 $ 11,214 $ 34,968 $ 20,108 $ 13,443 $ 69,039 $ 4,620 $ 153,815 Commercial real estate - non-owner occupied Pass $ 3,802 $ 31,415 $ 52,870 $ 95,747 $ 38,377 $ 63,915 $ 2,271 $ 288,397 OAEM - - - - - 786 - 786 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 3,802 $ 31,415 $ 52,870 $ 95,747 $ 38,377 $ 64,701 $ 2,271 $ 289,183 Commercial and industrial Pass $ 763 $ 15,494 $ 17,561 $ 3,897 $ 1,357 $ 4,590 $ 13,533 $ 57,195 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 763 $ 15,494 $ 17,561 $ 3,897 $ 1,357 $ 4,590 $ 13,533 $ 57,195 Multifamily real estate Pass $ - $ 6,542 $ 2,092 $ 2,134 $ 599 $ 14,818 $ 3,321 $ 29,506 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ - $ 6,542 $ 2,092 $ 2,134 $ 599 $ 14,818 $ 3,321 $ 29,506 Residential 1-4 family Pass $ 2,508 $ 30,437 $ 42,352 $ 36,680 $ 26,018 $ 63,752 $ 55,682 $ 257,429 OAEM - - - - - - - - Substandard - - - 341 45 140 - 526 Total residential 1-4 family $ 2,508 $ 30,437 $ 42,352 $ 37,021 $ 26,063 $ 63,892 $ 55,682 $ 257,955 Consumer - automobile Pass $ 4,861 $ 47,701 $ 75,758 $ 11,189 $ 3,536 $ 5,232 $ - $ 148,277 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 4,861 $ 47,701 $ 75,758 $ 11,189 $ 3,536 $ 5,232 $ - $ 148,277 Consumer - other Pass $ 156 $ 289 $ 483 $ 309 $ 65 $ 15,572 $ 2,681 $ 19,555 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 156 $ 289 $ 483 $ 309 $ 65 $ 15,572 $ 2,681 $ 19,555 Other Pass $ 979 $ - $ - $ 292 $ - $ 1,175 $ - $ 2,446 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 979 $ - $ - $ 292 $ - $ 1,175 $ - $ 2,446 Total loans Pass $ 21,195 $ 180,248 $ 259,669 $ 196,106 $ 86,490 $ 235,738 $ 83,479 $ 1,062,925 OAEM - - - - - 3,613 750 4,363 Substandard - - - 341 45 229 - 615 Total loans $ 21,195 $ 180,248 $ 259,669 $ 196,447 $ 86,535 $ 239,580 $ 84,229 $ 1,067,903 December 31, 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 $ 40,168 $ 36,581 $ 25,770 $ 3,630 $ 297 $ 285 $ 448 $ 107,179 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 40,168 $ 36,581 $ 25,770 $ 3,630 $ 297 $ 285 $ 448 $ 107,179 Commercial real estate - owner occupied Pass $ 10,145 $ 33,720 $ 21,058 $ 13,708 $ 12,025 $ 56,978 $ 5,680 $ 153,314 OAEM - - - - 77 2,985 - 3,062 Substandard - - - - - 90 - 90 Total commercial real estate - owner occupied $ 10,145 $ 33,720 $ 21,058 $ 13,708 $ 12,102 $ 60,053 $ 5,680 $ 156,466 Commercial real estate - non-owner occupied Pass $ 31,539 $ 53,217 $ 96,755 $ 38,704 $ 10,517 $ 51,451 $ 2,263 $ 284,446 OAEM - - - - 804 - - 804 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 31,539 $ 53,217 $ 96,755 $ 38,704 $ 11,321 $ 51,451 $ 2,263 $ 285,250 Commercial and industrial Pass $ 18,248 $ 21,698 $ 4,300 $ 1,691 $ 2,192 $ 2,075 $ 13,908 $ 64,112 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 18,248 $ 21,698 $ 4,300 $ 1,691 $ 2,192 $ 2,075 $ 13,908 $ 64,112 Multifamily real estate Pass $ 6,568 $ 3,841 $ 2,151 $ 605 $ 5,955 $ 9,005 $ 1,082 $ 29,207 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ 6,568 $ 3,841 $ 2,151 $ 605 $ 5,955 $ 9,005 $ 1,082 $ 29,207 Residential 1-4 family Pass $ 27,497 $ 41,062 $ 39,937 $ 26,368 $ 13,009 $ 52,148 $ 54,087 $ 254,108 OAEM - - - - - - - - Substandard - - - 350 46 142 - 538 Total residential 1-4 family $ 27,497 $ 41,062 $ 39,937 $ 26,718 $ 13,055 $ 52,290 $ 54,087 $ 254,646 Consumer - automobile Pass $ 52,750 $ 83,885 $ 13,184 $ 4,152 $ 1,618 $ 4,848 $ - $ 160,437 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 52,750 $ 83,885 $ 13,184 $ 4,152 $ 1,618 $ 4,848 $ - $ 160,437 Consumer - other Pass $ 323 $ 765 $ 330 $ 109 $ 11 $ 16,089 $ 2,091 $ 19,718 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 323 $ 765 $ 330 $ 109 $ 11 $ 16,089 $ 2,091 $ 19,718 Other Pass $ 1,620 $ - $ 292 $ - $ - $ 1,325 $ - $ 3,237 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 1,620 $ - $ 292 $ - $ - $ 1,325 $ - $ 3,237 Total loans Pass $ 188,858 $ 274,769 $ 203,777 $ 88,967 $ 45,624 $ 194,204 $ 79,559 $ 1,075,758 OAEM - - - - 881 2,985 - 3,866 Substandard - - - 350 46 232 - 628 Total loans $ 188,858 $ 274,769 $ 203,777 $ 89,317 $ 46,551 $ 197,421 $ 79,559 $ 1,080,252 The following tables detail the current period gross charge-offs of loans by year of origination for the three months ended March 31, 2024 and March 31, 2023: March 31, 2024 Current Period Charge-offs by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Consumer - automobile $ - $ 79 $ 266 $ 102 $ 3 $ 10 $ - $ 460 Consumer - other - - - - - 2 - 2 Other (1) 32 - - - - - - 32 Total $ 32 $ 79 $ 266 $ 102 $ 3 $ 12 $ - $ 494 (1) Gross charge-offs of other loans for the three months ended March 31, 2024 included $32 thousand of demand deposit overdrafts that originated in 2024. March 31, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Consumer - automobile $ - $ 192 $ 114 $ 34 $ 4 $ 29 $ - $ 373 Consumer - other - - 2 - - 2 - 4 Other (1) 72 - - - - - - 72 Total $ 72 $ 192 $ 116 $ 34 $ 4 $ 31 $ - $ 449 (1) Gross charge-offs of other loans for the three months ended March 31, 2023 included $72 thousand of demand deposit overdrafts that originated in 2023. As of March 31, 2024 and December 31, 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.

Leases

Leases	3 Months Ended
	Mar. 31, 2024
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) March 31, 2024 December 31, 2023 Lease liabilities $ 1,149 $ 1,248 Right-of-use assets $ 1,057 $ 1,148 Weighted average remaining lease term 3.17 years 3.37 years Weighted average discount rate 3.10 % 3.06 % Three Months Ended March 31, (dollars in thousands) 2024 2023 Operating lease cost $ 106 $ 101 Total lease cost $ 106 $ 101 Cash paid for amounts included in the measurement of lease liabilities $ 108 $ 91 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) March 31, 2024 Nine months ending December 31, 2024 $ 315 Twelve months ending December 31, 2025 382 Twelve months ending December 31, 2026 278 Twelve months ending December 31, 2027 208 Thereafter 24 Total undiscounted cash flows $ 1,207 Discount (58 ) Lease liabilities $ 1,149

Borrowings

Borrowings	3 Months Ended
	Mar. 31, 2024
Borrowings [Abstract]
Borrowings	Note 5. 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 March 31, 2024 and December 31, 2023, the remaining credit available from these lines totaled $90.0 million and $90.0 million, respectively. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $361.8 million and $362.1 million as of March 31, 2024 and December 31, 2023, respectively. The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) March 31, 2024 December 31, 2023 Federal funds purchased $ - $ - Overnight repurchase agreements 1,684 2,383 Federal Home Loan Bank advances 39,450 9,450 Total short-term borrowings $ 41,134 $ 11,833 Maximum month-end outstanding balance (year-to-date) $ 41,682 $ 84,360 Average outstanding balance during the period $ 42,200 $ 53,466 Average interest rate (year-to-date) 4.73 % 4.90 % Average interest rate at end of period 5.66 % 5.65 % Long-Term Borrowings The Company had long-term FHLB advances totaling $30.0 million outstanding at March 31, 2024 with scheduled maturities through November 27, 2026 and rates ranging from 4.01% to 4.28%. The Company had long-term FHLB advances totaling $60.0 million outstanding at December 31, 2023 with scheduled maturities through November 29, 2028 and rates ranging from 3.37% to 4.28%. 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	3 Months Ended
	Mar. 31, 2024
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 6. 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 March 31, 2024 and December 31, 2023 were as follows: March 31, December 31, (dollars in thousands) 2024 2023 Commitments to extend credit: Home equity lines of credit $ 93,118 $ 91,885 Commercial real estate, construction and development loans committed but not funded 79,960 74,218 Other lines of credit (principally commercial) 49,360 47,622 Total $ 222,438 $ 213,725 Letters of credit $ 872 $ 802

Share-Based Compensation

Share-Based Compensation	3 Months Ended
	Mar. 31, 2024
Share-Based Compensation [Abstract]
Share-Based Compensation	Note 7. Share-Based Compensation 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. Employee Stock Purchase Plan 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 2023 and for the first three months of 2024. Total stock purchases under the ESPP amounted to 2,026 shares during the three months ended March 31, 2024. At March 31, 2024, the Company had 212,327 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 March 31, 2024, only restricted stock had been granted under the Incentive Stock Plan. Restricted stock activity for the three months ended March 31, 2024 and March 31, 2023 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2023 53,660 $ 22.32 Vested (761 ) 22.35 Forfeited (1,730 ) 20.53 Nonvested, March 31, 2024 51,169 $ 22.38 Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2022 46,989 $ 22.49 Issued - - Vested - - Forfeited - - Nonvested, March 31, 2023 46,989 $ 22.49 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.18 years. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $428 thousand as of March 31, 2024 and $386 thousand as of March 31, 2023. Stock-based compensation expense was $75 thousand and $107 thousand for the three months ended March 31, 2024 and 2023, respectively.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	3 Months Ended
	Mar. 31, 2024
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings per Common Share	Note 8. Stockholders’ Equity and Earnings per Common Share Stockholders’ Equity – Accumulated Other Comprehensive Income (Loss) There were no amounts reclassified out of accumulated other comprehensive income (loss), by category, during the three months ended March 31, 2024 and 2023, respectively. The following table presents 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 March 31, 2024 Balance at beginning of period $ (17,530 ) $ (17,530 ) Net other comprehensive loss (268 ) (268 ) Balance at end of period $ (17,798 ) $ (17,798 ) Three Months Ended March 31, 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive income 2,332 2,332 Balance at end of period $ (18,435 ) $ (18,435 ) The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended March 31, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (339 ) $ 71 $ (268 ) Total change in accumulated other comprehensive loss, net $ (339 ) $ 71 $ (268 ) Three Months Ended March 31, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 2,952 $ (620 ) $ 2,332 Total change in accumulated other comprehensive income, net $ 2,952 $ (620 ) $ 2,332 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 months ended March 31, 2024 and 2023, 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	3 Months Ended
	Mar. 31, 2024
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 9. Fair Value Measurements Determination of Fair Value two • 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 and Liabilities 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 enters into interest rate swaps with certain qualifying commercial loan customers to meet their interest rate risk management needs. The Company simultaneously enters into interest rate swaps with dealer counterparties, with identical notional amounts and offsetting terms. These back-to-back loan swaps are derivative financial instruments and are reported at fair value in “other assets” and “other liabilities” in the Consolidated Balance Sheets. Changes in the fair value of loan swaps are recorded in other noninterest income and sum to zero because of the offsetting terms of swaps with borrowers and swaps with dealer counterparties. All of the Company’s interest rate swaps on loans are classified as Level 2. The following tables present the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at March 31, 2024 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,844 $ - $ 3,844 $ - Obligations of U.S. Government agencies 39,866 - 39,866 - Obligations of state and political subdivisions 50,058 - 50,058 - Mortgage-backed securities 79,128 - 79,128 - Money market investments 2,827 - 2,827 - Corporate bonds and other securities 24,075 - 24,075 - Total available-for-sale securities 199,798 - 199,798 - Derivatives Interest rate swap on loans 1,652 - 1,652 - Total assets $ 201,450 $ - $ 201,450 $ - Liabilities: Derivatives Interest rate swap on loans 1,652 - 1,652 - Total liabilities $ 1,652 $ - $ 1,652 $ - Fair Value Measurements at December 31, 2023 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Available-for-sale securities U.S. Treasury securities $ 3,857 $ - $ 3,857 $ - Obligations of U.S. Government agencies 42,735 - 42,735 - Obligations of state and political subdivisions 50,597 - 50,597 - Mortgage-backed securities 81,307 - 81,307 - Money market investments 2,047 - 2,047 - Corporate bonds and other securities 23,735 - 23,735 - Total available-for-sale securities $ 204,278 $ - $ 204,278 $ - Loans held for sale 470 - 470 - Derivatives Interest rate lock 10 - 10 - Interest rate swap on loans 1,249 - 1,249 - Total assets $ 206,007 $ - $ 206,007 $ - Liabilities: Derivatives Interest rate swap on loans 1,249 - 1,249 - Total liabilities $ 1,249 $ - $ 1,249 $ - Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis Fair Value of Financial Instruments The following tables reflect the carrying amounts and estimated fair values of the Company’s financial instruments whether or not recognized on the Consolidated Balance Sheets at fair value. Fair Value Measurements at March 31, 2024 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 93,311 $ 93,311 $ - $ - Securities available-for-sale 199,798 - 199,798 - Restricted securities 5,239 - 5,239 - Loans, net 1,055,955 - - 994,232 Derivatives Interest rate swap on loans 1,652 - 1,652 - Bank owned life insurance 35,353 - 35,353 - Accrued interest receivable 4,984 - 4,984 - Liabilities Deposits $ 1,228,269 $ - $ 1,226,351 $ - Overnight repurchase agreements 1,684 - 1,684 - Federal Home Loan Bank advances 69,450 - 69,450 - Subordinated notes 29,701 - 25,524 - Derivatives Interest rate swap on loans 1,652 - 1,652 - Accrued interest payable 1,775 - 1,775 - Fair Value Measurements at December 31, 2023 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 78,759 $ 78,759 $ - $ - Securities available-for-sale 204,278 - 204,278 - Restricted securities 5,176 - 5,176 - Loans held for sale 470 - 470 - Loans, net 1,068,046 - - 1,025,622 Derivatives Interest rate lock 10 - 10 - Interest rate swap on loans 1,249 - 1,249 - Bank owned life insurance 35,088 - 35,088 - Accrued interest receivable 4,921 - 4,921 - Liabilities Deposits $ 1,230,397 $ - $ 1,228,477 $ - Overnight repurchase agreements 2,383 - 2,383 - Federal Home Loan Bank advances 69,450 - 69,450 - Subordinated notes 29,668 - 25,561 - Derivatives Interest rate swap on loans 1,249 - 1,249 - Accrued interest payable 1,972 - 1,972 -

Segment Reporting

Segment Reporting	3 Months Ended
	Mar. 31, 2024
Segment Reporting [Abstract]
Segment Reporting	Note 10. 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 months ended March 31, 2024 and 2023 follows: Three Months Ended March 31, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 17,341 $ 42 $ 800 $ (800 ) $ 17,383 Income from fiduciary activities - 1,217 - (25 ) 1,192 Other income 1,834 211 50 (65 ) 2,030 Total operating income 19,175 1,470 850 (890 ) 20,605 Expenses Interest expense 5,548 - 295 - 5,843 Provision for credit losses 80 - - - 80 Salaries and employee benefits 6,641 1,024 191 (25 ) 7,831 Other expenses 4,485 398 54 (65 ) 4,872 Total operating expenses 16,754 1,422 540 (90 ) 18,626 Income (loss) before taxes 2,421 48 310 (800 ) 1,979 Income tax expense (benefit) 353 12 (103 ) - 262 Net income $ 2,068 $ 36 $ 413 $ (800 ) $ 1,717 Capital expenditures $ 799 $ - $ - $ - $ 799 Total assets $ 1,436,417 $ 7,250 $ 137,600 $ (135,778 ) $ 1,445,489 Three Months Ended March 31, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 15,121 $ 32 $ 3,505 $ (3,505 ) $ 15,153 Income from fiduciary activities - 1,116 - - 1,116 Other income 2,066 254 50 (65 ) 2,305 Total operating income 17,187 1,402 3,555 (3,570 ) 18,574 Expenses Interest expense 2,045 - 295 - 2,340 Provision for credit losses 376 - - - 376 Salaries and employee benefits 6,085 1,074 204 - 7,363 Other expenses 4,481 304 85 (65 ) 4,805 Total operating expenses 12,987 1,378 584 (65 ) 14,884 Income (loss) before taxes 4,200 24 2,971 (3,505 ) 3,690 Income tax expense (benefit) 713 6 (112 ) - 607 Net income $ 3,487 $ 18 $ 3,083 $ (3,505 ) $ 3,083 Capital expenditures $ 130 $ - $ - $ - $ 130 Total assets $ 1,407,919 $ 7,093 $ 132,434 $ (131,295 ) $ 1,416,151 The accounting policies of the segments are the same as those described in the summary of significant accounting policies reported in the Company’s 2023 Form 10-K. The Company evaluates performance based on profit or loss from operations before income taxes, not including nonrecurring gains or losses.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Description of Business and S_2

Description of Business and Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2024
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 related statements of income, comprehensive income, changes in stockholders’ equity, and cash flows for the three months ended March 31, 2024 and 2023. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. These Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and notes thereto included in the Company’s 2023 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 and evaluation of goodwill for impairment. In the opinion of management, all adjustments, consisting only of normal recurring adjustments, which are necessary for a fair presentation of the results of operations in these financial statements, have been made.
Reclassification	Reclassification Certain reclassifications have been made to the prior period financial statements to conform to the current period presentation. None of these reclassifications are considered material and did not affect net income or total equity.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848) – Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” Subsequently, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. This guidance provides temporary, optional expedients and exceptions to ease the potential burden in accounting for modifications of loan contracts, borrowings, and other transactions related to reference rate reform associated with the LIBOR transition if certain criteria are met. The amendments are effective as of March 12, 2020 through December 31, 2024 and can be adopted at an instrument level. These modifications have not had and are not expected to have a material impact on the consolidated financial statements. In November 2023, FASB issued ASU 2023-07, “Segment Reporting (Topic 280) – Improvements to Reportable Segment Disclosures.” The amendments in ASU 2023-07 require that a public entity disclose, on an annual and interim basis, significant segment expenses that are regularly provided to the chief operating decision maker and included within each reported measure of segment profit or loss, require other segment items by reportable segment to be disclosed and a description of their composition, and require disclosure of the title and position of the chief operating decision maker and an explanation of how they use the reported measure of segment profit or loss in assessing segment performance and deciding how to allocate resources. The amendments apply to all public entities that are required to report segment information in accordance with Topic 280, “Segment Reporting,” and are effective for fiscal years beginning after December 15, 2023, and interim periods with fiscal years beginning after December 15, 2024. Early adoption is permitted. The amendments are to be applied retrospectively to all prior periods presented. The Company does not expect the adoption of ASU 2023-07 to have a material effect on its consolidated financial statements. In November 2023, FASB issued ASU 2023-09, “Income Taxes (Topic 740) – Improvements to Income Tax Disclosures.” The amendments in ASU 2023-09 require that a public entity disclose, on an annual basis, specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold, the amount of income taxes paid disaggregated by federal, state and foreign taxes, and the amount of income taxes paid disaggregated by individual jurisdictions in which income taxes paid is equal to or greater than five percent of total income taxes paid. The amendments also require that entities disclose income from continuing operations before income tax expense disaggregated between domestic and foreign, as well as income tax expense from continuing operations disaggregated by federal, state, and foreign. The amendments apply to all public entities that are subject to Topic 740, “Income Taxes,” and are effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The amendments are to be applied on a prospective basis; however, retrospective application is permitted. The Company does not expect the adoption of ASU 2023-09 to have a material effect on its consolidated financial statements. Other accounting standards that have been adopted by the Company or issued by the FASB or other standards-setting bodies have not or are not currently expected to have a material effect on the Company’s financial position, results of operations or cash flows .

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2024
Securities [Abstract]
Debt Securities Classified as Available for Sale	The Company’s debt securities all of which are classified as available for sale, are summarized as follows: March 31, 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,060 $ - $ (216 ) $ 3,844 Obligations of U.S. Government agencies 40,097 259 (490 ) 39,866 Obligations of state and political subdivisions 58,020 10 (7,972 ) 50,058 Mortgage-backed securities 89,823 17 (10,712 ) 79,128 Money market investments 2,827 - - 2,827 Corporate bonds and other securities 27,500 - (3,425 ) 24,075 $ 222,327 $ 286 $ (22,815 ) $ 199,798 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,068 $ - $ (211 ) $ 3,857 Obligations of U.S. Government agencies 43,233 167 (665 ) 42,735 Obligations of state and political subdivisions 58,292 13 (7,708 ) 50,597 Mortgage-backed securities 91,328 84 (10,105 ) 81,307 Money market investments 2,047 - - 2,047 Corporate bonds and other securities 27,500 - (3,765 ) 23,735 $ 226,468 $ 264 $ (22,454 ) $ 204,278
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities at March 31, 2024 and December 31, 2023, by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to prepay obligations with or without call or prepayment penalties. March 31, 2024 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 4,227 $ 4,195 Due after one year through five years 20,528 18,941 Due after five through ten years 54,655 47,257 Due after ten years 142,917 129,405 $ 222,327 $ 199,798 December 31, 2023 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 3,617 $ 3,588 Due after one year through five years 12,962 12,178 Due after five through ten years 63,248 54,806 Due after ten years 146,641 133,706 $ 226,468 $ 204,278
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 March 31, 2024 and December 31, 2023, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of the dates indicated: March 31, 2024 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 $ - $ - $ 216 $ 3,844 $ 216 $ 3,844 1 Obligations of U.S. Government agencies 43 8,009 447 18,975 490 26,984 39 Obligations of state and political subdivisions - - 7,972 49,060 7,972 49,060 42 Mortgage-backed securities 169 4,281 10,543 70,182 10,712 74,463 39 Corporate bonds and other securities - - 3,425 23,075 3,425 23,075 23 Total securities available-for-sale $ 212 $ 12,290 $ 22,603 $ 165,136 $ 22,815 $ 177,426 144 December 31, 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 $ - $ - $ 211 $ 3,857 $ 211 $ 3,857 1 Obligations of U.S. Government agencies 91 8,803 574 22,817 665 31,620 43 Obligations of state and political subdivisions - - 7,708 49,597 7,708 49,597 43 Mortgage-backed securities 96 4,423 10,009 73,347 10,105 77,770 40 Corporate bonds and other securities - - 3,765 22,735 3,765 22,735 23 Total securities available-for-sale $ 187 $ 13,226 $ 22,267 $ 172,353 $ 22,454 $ 185,579 150

Loans and the Allowance for C_2

Loans and the Allowance for Credit Losses on Loans (Tables)	3 Months Ended
	Mar. 31, 2024
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: March 31, December 31, (dollars in thousands) 2024 2023 Mortgage loans on real estate: Residential 1-4 family $ 190,184 $ 188,517 Commercial - owner occupied 153,815 156,466 Commercial - non-owner occupied 289,183 285,250 Multifamily 29,506 29,207 Construction and land development 109,971 107,179 Second mortgages 9,891 10,148 Equity lines of credit 57,880 55,981 Total mortgage loans on real estate 840,430 832,748 Commercial and industrial loans 57,195 64,112 Consumer automobile loans 148,277 160,437 Other consumer loans 19,555 19,718 Other (1) 2,446 3,237 Total loans, net of deferred fees (2) 1,067,903 1,080,252 Less: Allowance for credit losses on loans 11,948 12,206 Loans, net of allowance and deferred fees (2) $ 1,055,955 $ 1,068,046 (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 $423 thousand and $244 thousand at March 31, 2024 and December 31, 2023, respectively. (2) Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.
Past Due Loans	The following tables show the aging of the Company’s loan portfolio, by class, as of March 31, 2024 and December 31, 2023. Age Analysis of Past Due Loans as of March 31, 2024 (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 $ 280 $ 44 $ - $ 139 $ 189,718 $ 190,184 Commercial - owner occupied - - - - 153,815 153,815 Commercial - non-owner occupied - - 92 - 289,091 289,183 Multifamily - - - - 29,506 29,506 Construction and land development - - - - 109,971 109,971 Second mortgages 49 - 61 - 9,781 9,891 Equity lines of credit 50 - - 45 57,784 57,880 Total mortgage loans on real estate $ 379 $ 44 $ 153 $ 184 $ 839,666 $ 840,430 Commercial and industrial loans 271 - 193 - 56,731 57,195 Consumer automobile loans 2,325 585 473 10 144,894 148,277 Other consumer loans 675 95 59 - 18,726 19,555 Other 56 - - - 2,390 2,446 Total $ 3,706 $ 724 $ 878 $ 194 $ 1,062,407 $ 1,067,903 Age Analysis of Past Due Loans as of December 31, 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 $ 1,194 $ - $ 368 $ 142 $ 186,813 $ 188,517 Commercial - owner occupied 100 - 322 - 156,044 156,466 Commercial - non-owner occupied - 896 - - 284,354 285,250 Multifamily - - - - 29,207 29,207 Construction and land development - - - - 107,179 107,179 Second mortgages 160 6 - - 9,982 10,148 Equity lines of credit 205 - - 46 55,730 55,981 Total mortgage loans on real estate $ 1,659 $ 902 $ 690 $ 188 $ 829,309 $ 832,748 Commercial and industrial loans 527 427 306 - 62,852 64,112 Consumer automobile loans 3,254 706 661 - 155,816 160,437 Other consumer loans 634 264 123 - 18,697 19,718 Other 29 - - - 3,208 3,237 Total $ 6,103 $ 2,299 $ 1,780 $ 188 $ 1,069,882 $ 1,080,252 (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	The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of March 31, 2024 and December 31, 2023. All nonaccrual loans had an ACLL as of March 31, 2024 and December 31, 2023. Nonaccrual (dollars in thousands) March 31, 2024 December 31, 2023 Mortgage loans on real estate: Residential 1-4 family $ 139 $ 142 Commercial - non-owner occupied - - Second mortgages - - Equity lines of credit 45 46 Total mortgage loans on real estate 184 188 Commercial and industrial loans - - Consumer automobile loans 10 - Other consumer loans - - Total $ 194 $ 188
Allowance for Credit Losses by Segment	The following tables presents the activity in the ACLL by portfolio class for the three months ended March 31, 2024 and March 31, 2023. Allowance for Credit Losses and Recorded Investment in Loans For the Three Months ended March 31, 2024 (dollars in thousands) Commercial and Industrial Real Estate Construction and Land Development Real Estate - Mortgage (1) Real Estate - Commercial (2) Consumer (3) Other Unallocated Total Allowance for credit losses on loans: Balance, beginning $ 573 $ 982 $ 2,904 $ 5,742 $ 1,827 $ 178 $ - $ 12,206 Charge-offs - - - - (462 ) (32 ) - (494 ) Recoveries 4 - 13 11 123 7 - 158 Provision for loan losses (91 ) 33 (72 ) (129 ) 294 43 - 78 Ending Balance $ 486 $ 1,015 $ 2,845 $ 5,624 $ 1,782 $ 196 $ - $ 11,948 For the Three Months Ended March 31, 2023 (dollars in thousands) Commercial and Industrial Real Estate Construction Real Estate - Mortgage (1) Real Estate - Commercial (2) Consumer (3) Other Unallocated Total Allowance for loan losses: 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 - - - - (377 ) (72 ) - (449 ) Recoveries 8 - 11 - 237 14 - 270 Provision for loan losses (6 ) 82 199 70 81 143 (6 ) 563 Ending Balance $ 664 $ 653 $ 2,872 $ 5,617 $ 1,641 $ 104 $ - $ 11,551 (1) The real estate-mortgage segment included residential 1-4 family, multi-family, second mortgages and equity lines of credit. (2) The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied. (3) 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 March 31, (dollars in thousands) 2024 2023 Provision for credit losses: Provision for loans $ 78 $ 563 Provison for (recovery of) unfunded commitments 2 (187 ) Total $ 80 $ 376
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: March 31, 2024 Term Loans Amortized Cost Basis by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total Construction and land development Pass $ 7,703 $ 37,156 $ 33,585 $ 25,750 $ 3,095 $ 561 $ 2,121 $ 109,971 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 7,703 $ 37,156 $ 33,585 $ 25,750 $ 3,095 $ 561 $ 2,121 $ 109,971 Commercial real estate - owner occupied Pass $ 423 $ 11,214 $ 34,968 $ 20,108 $ 13,443 $ 66,123 $ 3,870 $ 150,149 OAEM - - - - - 2,827 750 3,577 Substandard - - - - - 89 - 89 Total commercial real estate - owner occupied $ 423 $ 11,214 $ 34,968 $ 20,108 $ 13,443 $ 69,039 $ 4,620 $ 153,815 Commercial real estate - non-owner occupied Pass $ 3,802 $ 31,415 $ 52,870 $ 95,747 $ 38,377 $ 63,915 $ 2,271 $ 288,397 OAEM - - - - - 786 - 786 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 3,802 $ 31,415 $ 52,870 $ 95,747 $ 38,377 $ 64,701 $ 2,271 $ 289,183 Commercial and industrial Pass $ 763 $ 15,494 $ 17,561 $ 3,897 $ 1,357 $ 4,590 $ 13,533 $ 57,195 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 763 $ 15,494 $ 17,561 $ 3,897 $ 1,357 $ 4,590 $ 13,533 $ 57,195 Multifamily real estate Pass $ - $ 6,542 $ 2,092 $ 2,134 $ 599 $ 14,818 $ 3,321 $ 29,506 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ - $ 6,542 $ 2,092 $ 2,134 $ 599 $ 14,818 $ 3,321 $ 29,506 Residential 1-4 family Pass $ 2,508 $ 30,437 $ 42,352 $ 36,680 $ 26,018 $ 63,752 $ 55,682 $ 257,429 OAEM - - - - - - - - Substandard - - - 341 45 140 - 526 Total residential 1-4 family $ 2,508 $ 30,437 $ 42,352 $ 37,021 $ 26,063 $ 63,892 $ 55,682 $ 257,955 Consumer - automobile Pass $ 4,861 $ 47,701 $ 75,758 $ 11,189 $ 3,536 $ 5,232 $ - $ 148,277 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 4,861 $ 47,701 $ 75,758 $ 11,189 $ 3,536 $ 5,232 $ - $ 148,277 Consumer - other Pass $ 156 $ 289 $ 483 $ 309 $ 65 $ 15,572 $ 2,681 $ 19,555 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 156 $ 289 $ 483 $ 309 $ 65 $ 15,572 $ 2,681 $ 19,555 Other Pass $ 979 $ - $ - $ 292 $ - $ 1,175 $ - $ 2,446 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 979 $ - $ - $ 292 $ - $ 1,175 $ - $ 2,446 Total loans Pass $ 21,195 $ 180,248 $ 259,669 $ 196,106 $ 86,490 $ 235,738 $ 83,479 $ 1,062,925 OAEM - - - - - 3,613 750 4,363 Substandard - - - 341 45 229 - 615 Total loans $ 21,195 $ 180,248 $ 259,669 $ 196,447 $ 86,535 $ 239,580 $ 84,229 $ 1,067,903 December 31, 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 $ 40,168 $ 36,581 $ 25,770 $ 3,630 $ 297 $ 285 $ 448 $ 107,179 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 40,168 $ 36,581 $ 25,770 $ 3,630 $ 297 $ 285 $ 448 $ 107,179 Commercial real estate - owner occupied Pass $ 10,145 $ 33,720 $ 21,058 $ 13,708 $ 12,025 $ 56,978 $ 5,680 $ 153,314 OAEM - - - - 77 2,985 - 3,062 Substandard - - - - - 90 - 90 Total commercial real estate - owner occupied $ 10,145 $ 33,720 $ 21,058 $ 13,708 $ 12,102 $ 60,053 $ 5,680 $ 156,466 Commercial real estate - non-owner occupied Pass $ 31,539 $ 53,217 $ 96,755 $ 38,704 $ 10,517 $ 51,451 $ 2,263 $ 284,446 OAEM - - - - 804 - - 804 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 31,539 $ 53,217 $ 96,755 $ 38,704 $ 11,321 $ 51,451 $ 2,263 $ 285,250 Commercial and industrial Pass $ 18,248 $ 21,698 $ 4,300 $ 1,691 $ 2,192 $ 2,075 $ 13,908 $ 64,112 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 18,248 $ 21,698 $ 4,300 $ 1,691 $ 2,192 $ 2,075 $ 13,908 $ 64,112 Multifamily real estate Pass $ 6,568 $ 3,841 $ 2,151 $ 605 $ 5,955 $ 9,005 $ 1,082 $ 29,207 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ 6,568 $ 3,841 $ 2,151 $ 605 $ 5,955 $ 9,005 $ 1,082 $ 29,207 Residential 1-4 family Pass $ 27,497 $ 41,062 $ 39,937 $ 26,368 $ 13,009 $ 52,148 $ 54,087 $ 254,108 OAEM - - - - - - - - Substandard - - - 350 46 142 - 538 Total residential 1-4 family $ 27,497 $ 41,062 $ 39,937 $ 26,718 $ 13,055 $ 52,290 $ 54,087 $ 254,646 Consumer - automobile Pass $ 52,750 $ 83,885 $ 13,184 $ 4,152 $ 1,618 $ 4,848 $ - $ 160,437 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 52,750 $ 83,885 $ 13,184 $ 4,152 $ 1,618 $ 4,848 $ - $ 160,437 Consumer - other Pass $ 323 $ 765 $ 330 $ 109 $ 11 $ 16,089 $ 2,091 $ 19,718 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 323 $ 765 $ 330 $ 109 $ 11 $ 16,089 $ 2,091 $ 19,718 Other Pass $ 1,620 $ - $ 292 $ - $ - $ 1,325 $ - $ 3,237 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 1,620 $ - $ 292 $ - $ - $ 1,325 $ - $ 3,237 Total loans Pass $ 188,858 $ 274,769 $ 203,777 $ 88,967 $ 45,624 $ 194,204 $ 79,559 $ 1,075,758 OAEM - - - - 881 2,985 - 3,866 Substandard - - - 350 46 232 - 628 Total loans $ 188,858 $ 274,769 $ 203,777 $ 89,317 $ 46,551 $ 197,421 $ 79,559 $ 1,080,252 The following tables detail the current period gross charge-offs of loans by year of origination for the three months ended March 31, 2024 and March 31, 2023: March 31, 2024 Current Period Charge-offs by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Consumer - automobile $ - $ 79 $ 266 $ 102 $ 3 $ 10 $ - $ 460 Consumer - other - - - - - 2 - 2 Other (1) 32 - - - - - - 32 Total $ 32 $ 79 $ 266 $ 102 $ 3 $ 12 $ - $ 494 (1) Gross charge-offs of other loans for the three months ended March 31, 2024 included $32 thousand of demand deposit overdrafts that originated in 2024. March 31, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Consumer - automobile $ - $ 192 $ 114 $ 34 $ 4 $ 29 $ - $ 373 Consumer - other - - 2 - - 2 - 4 Other (1) 72 - - - - - - 72 Total $ 72 $ 192 $ 116 $ 34 $ 4 $ 31 $ - $ 449 (1) Gross charge-offs of other loans for the three months ended March 31, 2023 included $72 thousand of demand deposit overdrafts that originated in 2023.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2024
Leases [Abstract]
Information About Leases	The right-of-use asset and lease liability are included in “ Other Assets Other Liabilities (dollars in thousands) March 31, 2024 December 31, 2023 Lease liabilities $ 1,149 $ 1,248 Right-of-use assets $ 1,057 $ 1,148 Weighted average remaining lease term 3.17 years 3.37 years Weighted average discount rate 3.10 % 3.06 %
Lease Cost	Three Months Ended March 31, (dollars in thousands) 2024 2023 Operating lease cost $ 106 $ 101 Total lease cost $ 106 $ 101 Cash paid for amounts included in the measurement of lease liabilities $ 108 $ 91
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) March 31, 2024 Nine months ending December 31, 2024 $ 315 Twelve months ending December 31, 2025 382 Twelve months ending December 31, 2026 278 Twelve months ending December 31, 2027 208 Thereafter 24 Total undiscounted cash flows $ 1,207 Discount (58 ) Lease liabilities $ 1,149

Borrowings (Tables)

Borrowings (Tables)	3 Months Ended
	Mar. 31, 2024
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) March 31, 2024 December 31, 2023 Federal funds purchased $ - $ - Overnight repurchase agreements 1,684 2,383 Federal Home Loan Bank advances 39,450 9,450 Total short-term borrowings $ 41,134 $ 11,833 Maximum month-end outstanding balance (year-to-date) $ 41,682 $ 84,360 Average outstanding balance during the period $ 42,200 $ 53,466 Average interest rate (year-to-date) 4.73 % 4.90 % Average interest rate at end of period 5.66 % 5.65 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Mar. 31, 2024
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amounts Represent Credit Risk	Financial instruments whose contract amounts represent credit risk were outstanding as of March 31, 2024 and December 31, 2023 were as follows: March 31, December 31, (dollars in thousands) 2024 2023 Commitments to extend credit: Home equity lines of credit $ 93,118 $ 91,885 Commercial real estate, construction and development loans committed but not funded 79,960 74,218 Other lines of credit (principally commercial) 49,360 47,622 Total $ 222,438 $ 213,725 Letters of credit $ 872 $ 802

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2024
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the three months ended March 31, 2024 and March 31, 2023 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2023 53,660 $ 22.32 Vested (761 ) 22.35 Forfeited (1,730 ) 20.53 Nonvested, March 31, 2024 51,169 $ 22.38 Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2022 46,989 $ 22.49 Issued - - Vested - - Forfeited - - Nonvested, March 31, 2023 46,989 $ 22.49

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	3 Months Ended
	Mar. 31, 2024
Stockholders' Equity and Earnings Per Common Share [Abstract]
Changes in Accumulated Other Comprehensive Income (Loss), by Category	The following table presents 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 March 31, 2024 Balance at beginning of period $ (17,530 ) $ (17,530 ) Net other comprehensive loss (268 ) (268 ) Balance at end of period $ (17,798 ) $ (17,798 ) Three Months Ended March 31, 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive income 2,332 2,332 Balance at end of period $ (18,435 ) $ (18,435 )
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended March 31, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (339 ) $ 71 $ (268 ) Total change in accumulated other comprehensive loss, net $ (339 ) $ 71 $ (268 ) Three Months Ended March 31, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 2,952 $ (620 ) $ 2,332 Total change in accumulated other comprehensive income, net $ 2,952 $ (620 ) $ 2,332

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,844 $ - $ 3,844 $ - Obligations of U.S. Government agencies 39,866 - 39,866 - Obligations of state and political subdivisions 50,058 - 50,058 - Mortgage-backed securities 79,128 - 79,128 - Money market investments 2,827 - 2,827 - Corporate bonds and other securities 24,075 - 24,075 - Total available-for-sale securities 199,798 - 199,798 - Derivatives Interest rate swap on loans 1,652 - 1,652 - Total assets $ 201,450 $ - $ 201,450 $ - Liabilities: Derivatives Interest rate swap on loans 1,652 - 1,652 - Total liabilities $ 1,652 $ - $ 1,652 $ - Fair Value Measurements at December 31, 2023 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Available-for-sale securities U.S. Treasury securities $ 3,857 $ - $ 3,857 $ - Obligations of U.S. Government agencies 42,735 - 42,735 - Obligations of state and political subdivisions 50,597 - 50,597 - Mortgage-backed securities 81,307 - 81,307 - Money market investments 2,047 - 2,047 - Corporate bonds and other securities 23,735 - 23,735 - Total available-for-sale securities $ 204,278 $ - $ 204,278 $ - Loans held for sale 470 - 470 - Derivatives Interest rate lock 10 - 10 - Interest rate swap on loans 1,249 - 1,249 - Total assets $ 206,007 $ - $ 206,007 $ - Liabilities: Derivatives Interest rate swap on loans 1,249 - 1,249 - Total liabilities $ 1,249 $ - $ 1,249 $ -
Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments	The following tables reflect the carrying amounts and estimated fair values of the Company’s financial instruments whether or not recognized on the Consolidated Balance Sheets at fair value. Fair Value Measurements at March 31, 2024 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 93,311 $ 93,311 $ - $ - Securities available-for-sale 199,798 - 199,798 - Restricted securities 5,239 - 5,239 - Loans, net 1,055,955 - - 994,232 Derivatives Interest rate swap on loans 1,652 - 1,652 - Bank owned life insurance 35,353 - 35,353 - Accrued interest receivable 4,984 - 4,984 - Liabilities Deposits $ 1,228,269 $ - $ 1,226,351 $ - Overnight repurchase agreements 1,684 - 1,684 - Federal Home Loan Bank advances 69,450 - 69,450 - Subordinated notes 29,701 - 25,524 - Derivatives Interest rate swap on loans 1,652 - 1,652 - Accrued interest payable 1,775 - 1,775 - Fair Value Measurements at December 31, 2023 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 78,759 $ 78,759 $ - $ - Securities available-for-sale 204,278 - 204,278 - Restricted securities 5,176 - 5,176 - Loans held for sale 470 - 470 - Loans, net 1,068,046 - - 1,025,622 Derivatives Interest rate lock 10 - 10 - Interest rate swap on loans 1,249 - 1,249 - Bank owned life insurance 35,088 - 35,088 - Accrued interest receivable 4,921 - 4,921 - Liabilities Deposits $ 1,230,397 $ - $ 1,228,477 $ - Overnight repurchase agreements 2,383 - 2,383 - Federal Home Loan Bank advances 69,450 - 69,450 - Subordinated notes 29,668 - 25,561 - Derivatives Interest rate swap on loans 1,249 - 1,249 - Accrued interest payable 1,972 - 1,972 -

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
	Mar. 31, 2024
Segment Reporting [Abstract]
Reconciliation of Assets and Revenues from Segment to Consolidated	Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the three months ended March 31, 2024 and 2023 follows: Three Months Ended March 31, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 17,341 $ 42 $ 800 $ (800 ) $ 17,383 Income from fiduciary activities - 1,217 - (25 ) 1,192 Other income 1,834 211 50 (65 ) 2,030 Total operating income 19,175 1,470 850 (890 ) 20,605 Expenses Interest expense 5,548 - 295 - 5,843 Provision for credit losses 80 - - - 80 Salaries and employee benefits 6,641 1,024 191 (25 ) 7,831 Other expenses 4,485 398 54 (65 ) 4,872 Total operating expenses 16,754 1,422 540 (90 ) 18,626 Income (loss) before taxes 2,421 48 310 (800 ) 1,979 Income tax expense (benefit) 353 12 (103 ) - 262 Net income $ 2,068 $ 36 $ 413 $ (800 ) $ 1,717 Capital expenditures $ 799 $ - $ - $ - $ 799 Total assets $ 1,436,417 $ 7,250 $ 137,600 $ (135,778 ) $ 1,445,489 Three Months Ended March 31, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 15,121 $ 32 $ 3,505 $ (3,505 ) $ 15,153 Income from fiduciary activities - 1,116 - - 1,116 Other income 2,066 254 50 (65 ) 2,305 Total operating income 17,187 1,402 3,555 (3,570 ) 18,574 Expenses Interest expense 2,045 - 295 - 2,340 Provision for credit losses 376 - - - 376 Salaries and employee benefits 6,085 1,074 204 - 7,363 Other expenses 4,481 304 85 (65 ) 4,805 Total operating expenses 12,987 1,378 584 (65 ) 14,884 Income (loss) before taxes 4,200 24 2,971 (3,505 ) 3,690 Income tax expense (benefit) 713 6 (112 ) - 607 Net income $ 3,487 $ 18 $ 3,083 $ (3,505 ) $ 3,083 Capital expenditures $ 130 $ - $ - $ - $ 130 Total assets $ 1,407,919 $ 7,093 $ 132,434 $ (131,295 ) $ 1,416,151

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies, The Company (Details)	Mar. 31, 2024 Branch Subsidiary
THE COMPANY [Abstract]
Number of wholly-owned subsidiaries | Subsidiary	2
Number of branch offices | Branch	14

Description of Business and S_4

Description of Business and Summary of Significant Accounting Policies, Recent Accounting Pronouncements (Details)	3 Months Ended
	Mar. 31, 2024
Minimum [Member]
Recent Accounting Pronouncements [Abstract]
Income tax paid percentage	5%

Securities, Debt Classified as

Securities, Debt Classified as Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 222,327	$ 226,468
Gross unrealized gains	286	264
Gross unrealized (losses)	(22,815)	(22,454)
Fair value	199,798	204,278
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	4,060	4,068
Gross unrealized gains	0	0
Gross unrealized (losses)	(216)	(211)
Fair value	3,844	3,857
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	40,097	43,233
Gross unrealized gains	259	167
Gross unrealized (losses)	(490)	(665)
Fair value	39,866	42,735
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	58,020	58,292
Gross unrealized gains	10	13
Gross unrealized (losses)	(7,972)	(7,708)
Fair value	50,058	50,597
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	89,823	91,328
Gross unrealized gains	17	84
Gross unrealized (losses)	(10,712)	(10,105)
Fair value	79,128	81,307
Money Market Investments [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	2,827	2,047
Gross unrealized gains	0	0
Gross unrealized (losses)	0	0
Fair value	2,827	2,047
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	27,500	27,500
Gross unrealized gains	0	0
Gross unrealized (losses)	(3,425)	(3,765)
Fair value	$ 24,075	$ 23,735

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 4,227	$ 3,617
Due after one year through five years	20,528	12,962
Due after five through ten years	54,655	63,248
Due after ten years	142,917	146,641
Amortized Cost	222,327	226,468
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	4,195	3,588
Due after one year through five years	18,941	12,178
Due after five through ten years	47,257	54,806
Due after ten years	129,405	133,706
Fair Value	$ 199,798	$ 204,278

Securities, Individual Securiti

Securities, Individual Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) Security	Dec. 31, 2023 USD ($) Security
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 212	$ 187
12 months or more	22,603	22,267
Total	22,815	22,454
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	12,290	13,226
12 months or more	165,136	172,353
Total	$ 177,426	$ 185,579
Number of securities | Security	144	150
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	0
12 months or more	216	211
Total	216	211
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	3,844	3,857
Total	$ 3,844	$ 3,857
Number of securities | Security	1	1
Obligations of U.S. Government Agencies [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 43	$ 91
12 months or more	447	574
Total	490	665
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	8,009	8,803
12 months or more	18,975	22,817
Total	$ 26,984	$ 31,620
Number of securities | Security	39	43
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 0	$ 0
12 months or more	7,972	7,708
Total	7,972	7,708
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	49,060	49,597
Total	$ 49,060	$ 49,597
Number of securities | Security	42	43
Mortgage-backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 169	$ 96
12 months or more	10,543	10,009
Total	10,712	10,105
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	4,281	4,423
12 months or more	70,182	73,347
Total	$ 74,463	$ 77,770
Number of securities | Security	39	40
Corporate Bonds and Other Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 0	$ 0
12 months or more	3,425	3,765
Total	3,425	3,765
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	23,075	22,735
Total	$ 23,075	$ 22,735
Number of securities | Security	23	23
Restricted Securities [Member]
Securities Available-for-Sale, Number of Securities [Abstract]
Impairment loss	$ 0

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		Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[1]	$ 1,067,903	$ 1,080,252
Less: Allowance for credit losses on loans		11,948	12,206	$ 11,551	$ 10,526
Loans, net of allowance and deferred fees	[1]	1,055,955	1,068,046
Overdrawn deposit accounts, excluding internal use accounts		423	244
Net deferred loan costs		1,300	1,200
Mortgage Loans on Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		840,430	832,748
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		190,184	188,517
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Less: Allowance for credit losses on loans	[2]	5,624	5,742	5,617	4,499
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		153,815	156,466
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		289,183	285,250
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		29,506	29,207
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		109,971	107,179
Less: Allowance for credit losses on loans		1,015	982
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		9,891	10,148
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		57,880	55,981
Commercial and Industrial Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		57,195	64,112
Less: Allowance for credit losses on loans		486	573	664	673
Consumer [Member]
Portfolio of Loans Held for Investment [Abstract]
Less: Allowance for credit losses on loans	[3]	1,782	1,827	1,641	2,065
Consumer [Member] | Consumer Automobile Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		148,277	160,437
Consumer [Member] | Other Consumer Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		19,555	19,718
Other [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[4]	2,446	3,237
Less: Allowance for credit losses on loans		196	$ 178	104	$ 156
Overdrawn deposit accounts, excluding internal use accounts		$ 32		$ 72
[1]Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.[2]The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied.[3]The consumer segment includes consumer automobile loans.[4]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $423 thousand and $244 thousand at March 31, 2024 and December 31, 2023, respectively.

Loans and the Allowance for C_4

Loans and the Allowance for Credit Losses on Loans, Past Due (Details) - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023
Loans, Aging [Abstract]
Loans	[1]	$ 1,067,903	$ 1,080,252
Nonaccrual	[2]	194	188
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3,706	6,103
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		724	2,299
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		878	1,780
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	1,062,407	1,069,882
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		840,430	832,748
Nonaccrual	[2]	184	188
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		379	1,659
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		44	902
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		153	690
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	839,666	829,309
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		190,184	188,517
Nonaccrual	[2]	139	142
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		280	1,194
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		44	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	368
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	189,718	186,813
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		153,815	156,466
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	100
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	322
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	153,815	156,044
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		289,183	285,250
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	896
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		92	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	289,091	284,354
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		29,506	29,207
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]	29,506	29,207
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Loans		109,971	107,179
Nonaccrual	[2]	0	0
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]	109,971	107,179
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		9,891	10,148
Nonaccrual	[2]	0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		49	160
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	6
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		61	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	9,781	9,982
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		57,880	55,981
Nonaccrual	[2]	45	46
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		50	205
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	57,784	55,730
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		57,195	64,112
Nonaccrual	[2]	0	0
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		271	527
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	427
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		193	306
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	56,731	62,852
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		148,277	160,437
Nonaccrual	[2]	10	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2,325	3,254
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		585	706
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		473	661
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	144,894	155,816
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		19,555	19,718
Nonaccrual	[2]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		675	634
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		95	264
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		59	123
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	18,726	18,697
Other [Member]
Loans, Aging [Abstract]
Loans	[4]	2,446	3,237
Nonaccrual	[2]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		56	29
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]	$ 2,390	$ 3,208
[1]Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.[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]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $423 thousand and $244 thousand at March 31, 2024 and December 31, 2023, 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		Mar. 31, 2024	Dec. 31, 2023
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	$ 194	$ 188
Mortgage Loans on Real Estate [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	184	188
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	139	142
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	45	46
Commercial and Industrial Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Consumer [Member] | Consumer Automobile Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	10	0
Consumer [Member] | Other Consumer Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	$ 0	$ 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
		Mar. 31, 2024 USD ($) Segment		Mar. 31, 2023 USD ($)
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		$ 12,206		$ 10,526
Charge-offs		(494)		(449)
Recoveries		158		270
Provision for loan losses		78		563
Ending Balance		11,948		11,551
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				641
Commercial and Industrial Loans [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance		573		673
Charge-offs		0		0
Recoveries		4		8
Provision for loan losses		(91)		(6)
Ending Balance		486		664
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)
Real Estate [Member] | Construction [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				552
Charge-offs				0
Recoveries				0
Provision for loan losses				82
Ending Balance				653
Real Estate [Member] | Construction [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				19
Real Estate [Member] | Construction and Land Development [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance		982
Charge-offs		0
Recoveries		0
Provision for loan losses		33
Ending Balance		1,015
Real Estate [Member] | Mortgage [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[1]	2,904		2,575
Charge-offs	[1]	0		0
Recoveries	[1]	13		11
Provision for loan losses	[1]	(72)		199
Ending Balance	[1]	2,845		2,872
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	[1]			87
Real Estate [Member] | Commercial [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[2]	5,742		4,499
Charge-offs	[2]	0		0
Recoveries	[2]	11		0
Provision for loan losses	[2]	(129)		70
Ending Balance	[2]	5,624		5,617
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	[2]			1,048
Consumer [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance	[3]	1,827		2,065
Charge-offs	[3]	(462)		(377)
Recoveries	[3]	123		237
Provision for loan losses	[3]	294		81
Ending Balance	[3]	1,782		1,641
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)
Other [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance		178		156
Charge-offs		(32)	[4]	(72)	[5]
Recoveries		7		14
Provision for loan losses		43		143
Ending Balance		196		104
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)
Unallocated [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance		0		6
Charge-offs		0		0
Recoveries		0		0
Provision for loan losses		0		(6)
Ending Balance		$ 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
[1]The real estate-mortgage segment included residential 1-4 family, multi-family, second mortgages and equity lines of credit.[2]The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied.[3]The consumer segment includes consumer automobile loans.[4]Gross charge-offs of other loans for the three months ended March 31, 2024 included $32 thousand of demand deposit overdrafts that originated in 2024.[5]Gross charge-offs of other loans for the three months ended March 31, 2023 included $72 thousand of demand deposit overdrafts that originated in 2023.

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
	Mar. 31, 2024	Mar. 31, 2023
Provision for Credit Losses [Abstract]
Provision for loans	$ 78	$ 563
Provision for (recovery of) unfunded commitments	2	(187)
Total	$ 80	$ 376

Loans and the Allowance for C_8

Loans and the Allowance for Credit Losses on Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024		Mar. 31, 2023		Dec. 31, 2023
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		$ 21,195				$ 188,858
2023/2022		180,248				274,769
2022/2021		259,669				203,777
2021/2020		196,447				89,317
2020/2019		86,535				46,551
Prior		239,580				197,421
Revolving Loans		84,229				79,559
Total loans	[1]	1,067,903				1,080,252
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		32		$ 72
2023/2022		79		192
2022/2021		266		116
2021/2020		102		34
2020/2019		3		4
Prior		12		31
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		494		449
Demand deposit overdrafts		423				244
Collateral [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans		0				0
Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		21,195				188,858
2023/2022		180,248				274,769
2022/2021		259,669				203,777
2021/2020		196,106				88,967
2020/2019		86,490				45,624
Prior		235,738				194,204
Revolving Loans		83,479				79,559
Total loans		1,062,925				1,075,758
OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				881
Prior		3,613				2,985
Revolving Loans		750				0
Total loans		4,363				3,866
Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		341				350
2020/2019		45				46
Prior		229				232
Revolving Loans		0				0
Total loans		615				628
Mortgage Loans on Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans		840,430				832,748
Mortgage Loans on Real Estate [Member] | Construction [Member]
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]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		7,703				40,168
2023/2022		37,156				36,581
2022/2021		33,585				25,770
2021/2020		25,750				3,630
2020/2019		3,095				297
Prior		561				285
Revolving Loans		2,121				448
Total loans		109,971				107,179
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]
2024/2023		7,703				40,168
2023/2022		37,156				36,581
2022/2021		33,585				25,770
2021/2020		25,750				3,630
2020/2019		3,095				297
Prior		561				285
Revolving Loans		2,121				448
Total loans		109,971				107,179
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs	[2]	0		0
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		423				10,145
2023/2022		11,214				33,720
2022/2021		34,968				21,058
2021/2020		20,108				13,708
2020/2019		13,443				12,102
Prior		69,039				60,053
Revolving Loans		4,620				5,680
Total loans		153,815				156,466
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		423				10,145
2023/2022		11,214				33,720
2022/2021		34,968				21,058
2021/2020		20,108				13,708
2020/2019		13,443				12,025
Prior		66,123				56,978
Revolving Loans		3,870				5,680
Total loans		150,149				153,314
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				77
Prior		2,827				2,985
Revolving Loans		750				0
Total loans		3,577				3,062
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		89				90
Revolving Loans		0				0
Total loans		89				90
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		3,802				31,539
2023/2022		31,415				53,217
2022/2021		52,870				96,755
2021/2020		95,747				38,704
2020/2019		38,377				11,321
Prior		64,701				51,451
Revolving Loans		2,271				2,263
Total loans		289,183				285,250
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		3,802				31,539
2023/2022		31,415				53,217
2022/2021		52,870				96,755
2021/2020		95,747				38,704
2020/2019		38,377				10,517
Prior		63,915				51,451
Revolving Loans		2,271				2,263
Total loans		288,397				284,446
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				804
Prior		786				0
Revolving Loans		0				0
Total loans		786				804
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				6,568
2023/2022		6,542				3,841
2022/2021		2,092				2,151
2021/2020		2,134				605
2020/2019		599				5,955
Prior		14,818				9,005
Revolving Loans		3,321				1,082
Total loans		29,506				29,207
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				6,568
2023/2022		6,542				3,841
2022/2021		2,092				2,151
2021/2020		2,134				605
2020/2019		599				5,955
Prior		14,818				9,005
Revolving Loans		3,321				1,082
Total loans		29,506				29,207
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		2,508				27,497
2023/2022		30,437				41,062
2022/2021		42,352				39,937
2021/2020		37,021				26,718
2020/2019		26,063				13,055
Prior		63,892				52,290
Revolving Loans		55,682				54,087
Total loans		257,955				254,646
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		2,508				27,497
2023/2022		30,437				41,062
2022/2021		42,352				39,937
2021/2020		36,680				26,368
2020/2019		26,018				13,009
Prior		63,752				52,148
Revolving Loans		55,682				54,087
Total loans		257,429				254,108
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		341				350
2020/2019		45				46
Prior		140				142
Revolving Loans		0				0
Total loans		526				538
Commercial and Industrial Loans [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		763				18,248
2023/2022		15,494				21,698
2022/2021		17,561				4,300
2021/2020		3,897				1,691
2020/2019		1,357				2,192
Prior		4,590				2,075
Revolving Loans		13,533				13,908
Total loans		57,195				64,112
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs		0		0
Commercial and Industrial Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		763				18,248
2023/2022		15,494				21,698
2022/2021		17,561				4,300
2021/2020		3,897				1,691
2020/2019		1,357				2,192
Prior		4,590				2,075
Revolving Loans		13,533				13,908
Total loans		57,195				64,112
Commercial and Industrial Loans [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Commercial and Industrial Loans [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Consumer [Member]
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs	[3]	462		377
Consumer [Member] | Consumer Automobile [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		4,861				52,750
2023/2022		47,701				83,885
2022/2021		75,758				13,184
2021/2020		11,189				4,152
2020/2019		3,536				1,618
Prior		5,232				4,848
Revolving Loans		0				0
Total loans		148,277				160,437
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		0		0
2023/2022		79		192
2022/2021		266		114
2021/2020		102		34
2020/2019		3		4
Prior		10		29
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		460		373
Consumer [Member] | Consumer Automobile [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		4,861				52,750
2023/2022		47,701				83,885
2022/2021		75,758				13,184
2021/2020		11,189				4,152
2020/2019		3,536				1,618
Prior		5,232				4,848
Revolving Loans		0				0
Total loans		148,277				160,437
Consumer [Member] | Consumer Automobile [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Consumer [Member] | Consumer Automobile [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Consumer [Member] | Other Consumer Loans [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		156				323
2023/2022		289				765
2022/2021		483				330
2021/2020		309				109
2020/2019		65				11
Prior		15,572				16,089
Revolving Loans		2,681				2,091
Total loans		19,555				19,718
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		0		0
2023/2022		0		0
2022/2021		0		2
2021/2020		0		0
2020/2019		0		0
Prior		2		2
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		2		4
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		156				323
2023/2022		289				765
2022/2021		483				330
2021/2020		309				109
2020/2019		65				11
Prior		15,572				16,089
Revolving Loans		2,681				2,091
Total loans		19,555				19,718
Consumer [Member] | Other Consumer Loans [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Consumer [Member] | Other Consumer Loans [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Other [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		979				1,620
2023/2022		0				0
2022/2021		0				292
2021/2020		292				0
2020/2019		0				0
Prior		1,175				1,325
Revolving Loans		0				0
Total loans	[4]	2,446				3,237
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		32	[5]	72	[6]
2023/2022		0	[5]	0	[6]
2022/2021		0	[5]	0	[6]
2021/2020		0	[5]	0	[6]
2020/2019		0	[5]	0	[6]
Prior		0	[5]	0	[6]
Revolving Loans Amortized Cost Basis		0	[5]	0	[6]
Current period gross charge-offs		32	[5]	72	[6]
Demand deposit overdrafts		32		$ 72
Other [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		979				1,620
2023/2022		0				0
2022/2021		0				292
2021/2020		292				0
2020/2019		0				0
Prior		1,175				1,325
Revolving Loans		0				0
Total loans		2,446				3,237
Other [Member] | OAEM [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		0				0
Other [Member] | Substandard [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		0				0
2023/2022		0				0
2022/2021		0				0
2021/2020		0				0
2020/2019		0				0
Prior		0				0
Revolving Loans		0				0
Total loans		$ 0				$ 0
[1]Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.[2]The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied.[3]The consumer segment includes consumer automobile loans.[4]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts, excluding internal use accounts, totaled $423 thousand and $244 thousand at March 31, 2024 and December 31, 2023, respectively.[5]Gross charge-offs of other loans for the three months ended March 31, 2024 included $32 thousand of demand deposit overdrafts that originated in 2024.[6]Gross charge-offs of other loans for the three months ended March 31, 2023 included $72 thousand of demand deposit overdrafts that originated in 2023.

Leases, Information About Lease

Leases, Information About Leases (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) Lease	Dec. 31, 2023 USD ($)
Assets and Liabilities, Lessee [Abstract]
Number of new leases | Lease	0
Information about Leases [Abstract]
Lease liabilities	$ 1,149	$ 1,248
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Right-of-use assets	$ 1,057	$ 1,148
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets	Other Assets
Weighted average remaining lease term	3 years 2 months 1 day	3 years 4 months 13 days
Weighted average discount rate	3.10%	3.06%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Lease cost [Abstract]
Operating lease cost	$ 106	$ 101
Total lease cost	106	101
Cash paid for amounts included in the measurement of lease liabilities	$ 108	$ 91

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Lease payments due [Abstract]
Nine months ending December 31, 2024	$ 315
Twelve months ending December 31, 2025	382
Twelve months ending December 31, 2026	278
Twelve months ending December 31, 2027	208
Thereafter	24
Total undiscounted cash flows	1,207
Discount	(58)
Lease liabilities	$ 1,149	$ 1,248

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
	Jul. 14, 2021	Mar. 31, 2024	Dec. 31, 2023
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 90,000	$ 90,000
Available credit with FHLB		361,800	362,100
Short-Term Borrowings [Abstract]
Federal funds purchased		0	0
Overnight repurchase agreements		1,684	2,383
Federal Home Loan Bank advances		39,450	9,450
Total short-term borrowings		41,134	11,833
Maximum month-end outstanding balance (year-to-date)		41,682	84,360
Average outstanding balance during the period		$ 42,200	$ 53,466
Average interest rate (year-to-date)		4.73%	4.90%
Average interest rate at end of period		5.66%	5.65%
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		$ 30,000	$ 60,000
Loan maturity date		Nov. 27, 2026	Nov. 29, 2028
Federal Home Loan Bank Advances [Member] | Minimum [Member]
Long-Term Borrowings [Abstract]
Interest rate		4.01%	3.37%
Federal Home Loan Bank Advances [Member] | Maximum [Member]
Long-Term Borrowings [Abstract]
Interest rate		4.28%	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	Mar. 31, 2024	Dec. 31, 2023
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 222,438	$ 213,725
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	93,118	91,885
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	79,960	74,218
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	49,360	47,622
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 872	$ 802

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 75	$ 107
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	53,660	46,989	46,989
Issued (in shares)		0
Vested (in shares)	(761)	0
Forfeited (in shares)	(1,730)	0
Nonvested balance at end of period (in shares)	51,169	46,989	53,660
Weighted Average Grant Date Fair Value [Abstract]
Non-vested balance at beginning of period (in dollars per share)	$ 22.32	$ 22.49	$ 22.49
Issued (in dollars per share)		0
Vested (in dollars per share)	22.35	0
Forfeited (in dollars per share)	20.53	0
Non-vested balance at end of period (in dollars per share)	$ 22.38	$ 22.49	$ 22.32
Weighted-average remaining vesting period for recognition	1 year 2 months 4 days
Unrecognized stock-based compensation expense	$ 428	$ 386
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)	2,026
Shares reserved for issuance (in shares)	212,327
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

Stockholders' Equity and Earn_3

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Stockholders Equity Note [Abstract]
Reclassified out of accumulated other comprehensive income (loss)	$ 0	$ 0
Beginning Balance	106,778	98,734
Ending Balance	107,630	102,598
Other comprehensive income (Loss), pretax [Abstract]
Unrealized holding (losses) gains arising during the period, pretax	(339)	2,952
Total change in accumulated other comprehensive (loss) income, net, pretax	(339)	2,952
Other Comprehensive Income (Loss), Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	71	(620)
Total change in accumulated other comprehensive income (loss), net, tax effect	71	(620)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Unrealized holding (losses) gains arising during the period, net of tax	(268)	2,332
Other comprehensive income (loss), net of tax	(268)	2,332
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(17,530)	(20,767)
Net other comprehensive loss (income)	(268)	2,332
Ending Balance	(17,798)	(18,435)
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(17,530)	(20,767)
Net other comprehensive loss (income)	(268)	2,332
Ending Balance	(17,798)	(18,435)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Other comprehensive income (loss), net of tax	$ (268)	$ 2,332

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details)	Mar. 31, 2024 USD ($) Source	Dec. 31, 2023 USD ($)
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	$ 199,798,000	$ 204,278,000
Loans held for sale		470,000
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,844,000	3,857,000
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	39,866,000	42,735,000
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	50,058,000	50,597,000
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	79,128,000	81,307,000
Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	2,827,000	2,047,000
Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,652,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,652,000	1,249,000
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	199,798,000	204,278,000
Loans held for sale		470,000
Derivatives [Abstract]
Total assets	201,450,000	206,007,000
Derivative [Abstract]
Total liabilities	1,652,000	1,249,000
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,844,000	3,857,000
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	39,866,000	42,735,000
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	50,058,000	50,597,000
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	79,128,000	81,307,000
Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	2,827,000	2,047,000
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	24,075,000	23,735,000
Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,652,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,652,000	1,249,000
Nonrecurring [Member]
Derivatives [Abstract]
Total assets	0	0
Derivative [Abstract]
Total liabilities	0	0
Level 1 [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Loans held for sale		0
Level 1 [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets		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
Loans held for sale		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
Level 1 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	0	0
Level 2 [Member]
Assets [Abstract]
Debt securities, available-for-sale	199,798,000	204,278,000
Loans held for sale		470,000
Level 2 [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Level 2 [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,652,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,652,000	1,249,000
Level 2 [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	199,798,000	204,278,000
Loans held for sale	0	470,000
Derivatives [Abstract]
Total assets	201,450,000	206,007,000
Derivative [Abstract]
Total liabilities	1,652,000	1,249,000
Level 2 [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,844,000	3,857,000
Level 2 [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	39,866,000	42,735,000
Level 2 [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	50,058,000	50,597,000
Level 2 [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	79,128,000	81,307,000
Level 2 [Member] | Recurring [Member] | Money Market Investments [Member]
Assets [Abstract]
Debt securities, available-for-sale	2,827,000	2,047,000
Level 2 [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	24,075,000	23,735,000
Level 2 [Member] | Recurring [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets	0	10,000
Level 2 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,652,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,652,000	1,249,000
Level 3 [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Loans held for sale		0
Level 3 [Member] | Interest Rate Lock [Member]
Derivatives [Abstract]
Derivative Assets		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
Loans held for sale		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
Level 3 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	0	0
Derivative [Abstract]
Derivative Liabilities	$ 0	$ 0

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Values and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets [Abstract]
Cash and cash equivalents	$ 93,311	$ 78,759
Securities available-for-sale, at fair value	199,798	204,278
Restricted securities	5,239	5,176
Loans held for sale		470
Loans, net	1,055,955	1,068,046
Bank owned life insurance	35,353	35,088
Accrued interest receivable	4,984	4,921
Liabilities [Abstract]
Deposits	1,228,269	1,230,397
Overnight repurchase agreements	1,684	2,383
Federal Home Loan Bank advances	69,450
Federal Reserve Bank borrowings		69,450
Subordinated notes	29,701	29,668
Accrued interest payable	1,775	1,972
Interest Rate Lock [Member]
Assets [Abstract]
Derivatives		10
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,652	1,249
Liabilities [Abstract]
Derivative	1,652	1,249
Level 1 [Member]
Assets [Abstract]
Cash and cash equivalents	93,311	78,759
Securities available-for-sale, at fair value	0	0
Restricted securities	0	0
Loans held for sale		0
Loans, net	0	0
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0
Federal Reserve Bank borrowings		0
Subordinated notes	0	0
Accrued interest payable	0	0
Level 1 [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives		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	199,798	204,278
Restricted securities	5,239	5,176
Loans held for sale		470
Loans, net	0	0
Bank owned life insurance	35,353	35,088
Accrued interest receivable	4,984	4,921
Liabilities [Abstract]
Deposits	1,226,351	1,228,477
Overnight repurchase agreements	1,684	2,383
Federal Home Loan Bank advances	69,450
Federal Reserve Bank borrowings		69,450
Subordinated notes	25,524	25,561
Accrued interest payable	1,775	1,972
Level 2 [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives		10
Level 2 [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,652	1,249
Liabilities [Abstract]
Derivative	1,652	1,249
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
Loans, net	994,232	1,025,622
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0
Federal Reserve Bank borrowings		0
Subordinated notes	0	0
Accrued interest payable	0	0
Level 3 [Member] | Interest Rate Lock [Member]
Assets [Abstract]
Derivatives		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
	Mar. 31, 2024 USD ($) Segment	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment	3
Revenues [Abstract]
Interest and dividend income	$ 17,383	$ 15,153
Total operating income	20,605	18,574
Expenses [Abstract]
Interest expense	5,843	2,340
Provision for credit losses	80	376
Salaries and employee benefits	7,831	7,363
Other expenses	4,872	4,805
Total operating expenses	18,626	14,884
Income before income taxes	1,979	3,690
Income tax expense (benefit)	262	607
Net income	1,717	3,083
Capital expenditures	799	130
Total assets	1,445,489	1,416,151	$ 1,446,382
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,192	1,116
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,030	2,305
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	17,341	15,121
Total operating income	19,175	17,187
Expenses [Abstract]
Interest expense	5,548	2,045
Provision for credit losses	80	376
Salaries and employee benefits	6,641	6,085
Other expenses	4,485	4,481
Total operating expenses	16,754	12,987
Income before income taxes	2,421	4,200
Income tax expense (benefit)	353	713
Net income	2,068	3,487
Capital expenditures	799	130
Total assets	1,436,417	1,407,919
Operating Segments [Member] | Bank [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Bank [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	1,834	2,066
Operating Segments [Member] | Wealth [Member]
Revenues [Abstract]
Interest and dividend income	42	32
Total operating income	1,470	1,402
Expenses [Abstract]
Interest expense	0	0
Provision for credit losses	0	0
Salaries and employee benefits	1,024	1,074
Other expenses	398	304
Total operating expenses	1,422	1,378
Income before income taxes	48	24
Income tax expense (benefit)	12	6
Net income	36	18
Capital expenditures	0	0
Total assets	7,250	7,093
Operating Segments [Member] | Wealth [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,217	1,116
Operating Segments [Member] | Wealth [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	211	254
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	800	3,505
Total operating income	850	3,555
Expenses [Abstract]
Interest expense	295	295
Provision for credit losses	0	0
Salaries and employee benefits	191	204
Other expenses	54	85
Total operating expenses	540	584
Income before income taxes	310	2,971
Income tax expense (benefit)	(103)	(112)
Net income	413	3,083
Capital expenditures	0	0
Total assets	137,600	132,434
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	50	50
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(800)	(3,505)
Total operating income	(890)	(3,570)
Expenses [Abstract]
Interest expense	0	0
Provision for credit losses	0	0
Salaries and employee benefits	(25)	0
Other expenses	(65)	(65)
Total operating expenses	(90)	(65)
Income before income taxes	(800)	(3,505)
Income tax expense (benefit)	0	0
Net income	(800)	(3,505)
Capital expenditures	0	0
Total assets	(135,778)	(131,295)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	(25)	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (65)	$ (65)