Old Point Financial (OPOF) 10-Q 14 Aug 24 2024 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2024	Aug. 07, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value 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		5,075,876

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 15,517	$ 16,778
Interest-bearing due from banks		76,635	63,539
Federal funds sold		593	489
Cash and cash equivalents		92,745	80,806
Securities available-for-sale, at fair value		192,127	202,231
Restricted securities, at cost		3,825	5,176
Loans held for sale		0	470
Loans, net	[1]	1,042,774	1,068,046
Premises and equipment, net		30,783	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		35,623	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		165	187
Other assets		23,318	22,471
Total assets		1,423,354	1,446,382
Deposits:
Noninterest-bearing deposits		360,296	331,992
Savings deposits		624,777	655,694
Time deposits		251,502	242,711
Total deposits		1,236,575	1,230,397
Overnight repurchase agreements		1,381	2,383
Federal Home Loan Bank advances		39,586	69,450
Subordinated notes		29,733	29,668
Accrued expenses and other liabilities		6,083	7,706
Total liabilities		1,313,358	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,077,525 and 5,040,095 shares outstanding (includes 68,113 and 53,660 of nonvested restricted stock, respectively)		25,047	24,932
Additional paid-in capital		17,248	17,099
Retained earnings		84,999	82,277
Accumulated other comprehensive loss, net		(17,298)	(17,530)
Total stockholders' equity		109,996	106,778
Total liabilities and stockholders' equity		$ 1,423,354	$ 1,446,382
[1]Net deferred loan fees totaled $1.1 million on June 30, 2024 and $1.2 million on December 31, 2023.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 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)	5,077,525	5,040,095
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	68,113	53,660

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income:
Loans, including fees	$ 15,042	$ 14,185	$ 29,586	$ 27,226
Due from banks	1,087	93	1,886	157
Federal funds sold	12	9	21	15
Securities:
Taxable	1,761	1,772	3,559	3,536
Tax-exempt	139	209	278	421
Dividends and interest on all other securities	77	79	171	145
Total interest and dividend income	18,118	16,347	35,501	31,500
Interest expense:
Checking and savings deposits	2,699	1,569	5,296	2,423
Time deposits	2,337	1,419	4,509	1,956
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	1	2	2	39
Federal Home Loan Bank advances	670	963	1,448	1,580
Long-term borrowings	295	295	590	590
Total interest expense	6,002	4,248	11,845	6,588
Net interest income	12,116	12,099	23,656	24,912
Provision for credit losses	261	361	341	737
Net interest income after provision for credit losses	11,855	11,738	23,315	24,175
Noninterest income:
Bank-owned life insurance income	270	259	535	513
Mortgage banking income	2	112	18	207
Loss on sale of available-for-sale securities, net	0	(164)	0	(164)
Loss on sale of repossessed assets	(58)	(69)	(36)	(69)
Gain on sale of fixed assets	0	200	0	200
Total noninterest income	3,471	3,477	6,693	6,898
Noninterest expense:
Salaries and employee benefits	7,195	8,043	15,026	15,406
Occupancy and equipment	1,373	1,255	2,546	2,450
Data processing	1,393	1,264	2,708	2,443
Customer development	176	101	231	214
Professional services	680	756	1,265	1,429
Employee professional development	167	289	378	523
Other taxes	276	234	537	447
Card and other losses	98	154	329	409
Other operating expenses	966	1,051	2,007	1,994
Total noninterest expense	12,324	13,147	25,027	25,315
Income before income taxes	3,002	2,068	4,981	5,758
Income tax expense	473	266	735	873
Net income	$ 2,529	$ 1,802	$ 4,246	$ 4,885
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,064,363	5,023,305	5,052,091	5,011,481
Net income per share of common stock (in dollars per share)	$ 0.5	$ 0.36	$ 0.84	$ 0.97
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,064,503	5,023,603	5,052,190	5,011,697
Net income per share of common stock (in dollars per share)	$ 0.5	$ 0.36	$ 0.84	$ 0.97
Fiduciary and Asset Management Fees [Member]
Noninterest income:
Noninterest revenue	$ 1,129	$ 1,154	$ 2,321	$ 2,270
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest revenue	837	793	1,595	1,546
Other Service Charges, Commissions and Fees [Member]
Noninterest income:
Noninterest revenue	1,150	1,027	2,033	2,136
Other Operating Income [Member]
Noninterest income:
Noninterest revenue	$ 141	$ 165	$ 227	$ 259

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 2,529	$ 1,802	$ 4,246	$ 4,885
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	500	(1,452)	232	880
Reclassification for losses included in net income	0	130	0	130
Other comprehensive income (loss), net of tax	500	(1,322)	232	1,010
Comprehensive income	$ 3,029	$ 480	$ 4,478	$ 5,895

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 Loss [Member]	Accumulated Other Comprehensive 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		4,885		0		4,885
Other comprehensive (loss) income, net of tax	0		0		0		1,010		1,010
Employee Stock Purchase Plan share issuance	$ 15		46		0		0		61
Employee Stock Purchase Plan share issuance (in shares)	3,179
Restricted stock vested	$ 110		(110)		0		0		0
Restricted stock vested (in shares)	22,003
Share-based compensation expense	$ 0		248		0		0		248
Cash dividends	0		0		(1,405)		0		(1,405)
Ending Balance at Jun. 30, 2023	$ 24,886		16,777		80,636		(19,757)		102,542
Ending Balance (in shares) at Jun. 30, 2023	4,977,276
Beginning Balance at Mar. 31, 2023	$ 24,767		16,727		79,539		(18,435)		102,598
Beginning Balance (in shares) at Mar. 31, 2023	4,953,342
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		1,802		0		1,802
Other comprehensive (loss) income, net of tax	0		0		0		(1,322)		(1,322)
Employee Stock Purchase Plan share issuance	$ 9		19		0		0		28
Employee Stock Purchase Plan share issuance (in shares)	1,931
Restricted stock vested	$ 110		(110)		0		0		0
Restricted stock vested (in shares)	22,003
Share-based compensation expense	$ 0		141		0		0		141
Cash dividends	0		0		(705)		0		(705)
Ending Balance at Jun. 30, 2023	$ 24,886		16,777		80,636		(19,757)		102,542
Ending Balance (in shares) at Jun. 30, 2023	4,977,276
Beginning Balance at Dec. 31, 2023	$ 24,932		17,099		82,277		(17,530)		$ 106,778
Beginning Balance (ASC 323 [Member]) at Dec. 31, 2023		$ 0		$ 0		$ (108)		$ 0		(108)
Beginning Balance (in shares) at Dec. 31, 2023	4,986,435								5,040,095
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]									ASC 323 [Member]
Accounting Standards Update [Extensible Enumeration] | ASC 323 [Member]						ASC 326 [Member]
Net income	$ 0		0		4,246		0		$ 4,246
Other comprehensive (loss) income, net of tax	0		0		0		232		232
Employee Stock Purchase Plan share issuance	$ 19		40		0		0		59
Employee Stock Purchase Plan share issuance (in shares)	3,865
Restricted stock vested	$ 96		(96)		0		0		0
Restricted stock vested (in shares)	19,112
Share-based compensation expense	$ 0		205		0		0		205
Cash dividends	0		0		(1,416)		0		(1,416)
Ending Balance at Jun. 30, 2024	$ 25,047		17,248		84,999		(17,298)		$ 109,996
Ending Balance (ASC 323 [Member]) at Jun. 30, 2024										(108)
Ending Balance (in shares) at Jun. 30, 2024	5,009,412								5,077,525
Beginning Balance at Mar. 31, 2024	$ 24,946		17,193		83,289		(17,798)		$ 107,630
Beginning Balance (in shares) at Mar. 31, 2024	4,989,222
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration] | ASC 323 [Member]						ASC 326 [Member]
Net income	$ 0		0		2,529		0		2,529
Other comprehensive (loss) income, net of tax	0		0		0		500		500
Employee Stock Purchase Plan share issuance	$ 9		17		0		0		26
Employee Stock Purchase Plan share issuance (in shares)	1,839
Restricted stock vested	$ 92		(92)		0		0		0
Restricted stock vested (in shares)	18,351
Share-based compensation expense	$ 0		130		0		0		130
Cash dividends	0		0		(711)		0		(711)
Ending Balance at Jun. 30, 2024	$ 25,047		$ 17,248		$ 84,999		$ (17,298)		$ 109,996
Ending Balance (ASC 323 [Member]) at Jun. 30, 2024										$ (108)
Ending Balance (in shares) at Jun. 30, 2024	5,009,412								5,077,525

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.14	$ 0.14	$ 0.28	$ 0.28

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating activities:
Net income	$ 4,246	$ 4,885
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,081	1,092
Amortization of right of use lease assets	312	202
Accretion related to acquisition, net	22	22
Amortization of subordinated debt issuance costs	65	65
Provision for credit losses	341	737
Loss on sale of securities, net	0	164
Net amortization of securities	296	383
Decrease (increase) in loans held for sale, net	470	(596)
Net gain on disposal of premises and equipment	0	(200)
Net loss on write-down/sale of repossessed assets	36	69
Income from bank owned life insurance	(535)	(513)
Stock compensation expense	205	248
Increase in other assets	(108)	(955)
Decrease in accrued expenses and other liabilities	(1,695)	(540)
Net cash provided by operating activities	4,736	5,063
Investing activities:
Proceeds from redemption (cash used in purchases) of restricted securities, net	1,351	(1,125)
Proceeds from maturities and paydowns of available-for-sale securities	970	0
Proceeds from sales of available-for-sale securities	0	8,088
Paydowns on available-for-sale securities	9,131	7,618
Net decrease (increase) in loans held for investment	23,747	(67,920)
Purchases of premises and equipment	(1,951)	(487)
Proceeds from sale of premises and equipment	0	839
Net cash provided by (used in) investing activities	33,248	(52,987)
Financing activities:
Increase (decrease) in noninterest-bearing deposits	28,304	(73,886)
(Decrease) increase in savings deposits	(30,917)	41,758
Increase in time deposits	8,791	104,824
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(1,002)	(11,865)
Increase in Federal Home Loan Bank advances	44,336	307,850
Repayment of Federal Home Loan Bank advances	(74,200)	(284,500)
Proceeds from Employee Stock Purchase Plan issuance	59	61
Cash dividends paid on common stock	(1,416)	(1,405)
Net cash (used in) provided by financing activities	(26,045)	82,837
Net increase in cash and cash equivalents	11,939	34,913
Cash and cash equivalents at beginning of period	80,806	21,066
Cash and cash equivalents at end of period	92,745	55,979
Cash payments for:
Interest	11,724	5,646
Supplemental schedule of noncash transactions
Unrealized gains on securities available-for-sale	293	1,279
Loans transferred to repossessed assets	1,256	0
Impact of adoption of new accounting pronouncements	$ 108	$ 991

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 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) 30, 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 Company’s financial position at June 30, 2024 and December 31, 2023, the statements of income, comprehensive income, and changes in stockholders’ equity for the three and six months ended June 30, 2024 and 2023, and the statements of cash flows for the six months ended June 30, 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. 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 2023-09, “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	6 Months Ended
	Jun. 30, 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: June 30, 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,052 $ - $ (201 ) $ 3,851 Obligations of U.S. Government agencies 36,875 247 (360 ) 36,762 Obligations of state and political subdivisions 57,918 - (7,692 ) 50,226 Mortgage-backed securities 87,679 30 (10,403 ) 77,306 Corporate bonds and other securities 27,500 - (3,518 ) 23,982 $ 214,024 $ 277 $ (22,174 ) $ 192,127 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 Corporate bonds and other securities 27,500 - (3,765 ) 23,735 $ 224,421 $ 264 $ (22,454 ) $ 202,231 The amortized cost and fair value of securities at June 30, 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. June 30, 2024 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,702 $ 1,665 Due after one year through five years 19,909 18,386 Due after five through ten years 54,125 46,856 Due after ten years 138,288 125,220 $ 214,024 $ 192,127 December 31, 2023 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,570 $ 1,541 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 $ 224,421 $ 202,231 The following table shows realized gains or losses on the sale of investment securities during the three and six months ended June 30, 2024 and 2023, respectively. Three Months Ended Six Months Ended June 30, June 30, (dollars in thousands) 2024 2023 2024 2023 Realized gains on sales of securities $ - $ - $ - $ - Realized losses on sales of securities - (164 ) - (164 ) Net realized loss $ - $ (164 ) $ - $ (164 ) The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an ACL has not been recorded as of June 30, 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: June 30, 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 $ 201 $ 3,851 $ - $ - $ 201 $ 3,851 1 Obligations of U.S. Government agencies 185 17,180 175 3,025 360 20,205 33 Obligations of state and political subdivisions 7,642 49,775 50 450 7,692 50,225 43 Mortgage-backed securities 10,403 73,920 - - 10,403 73,920 40 Corporate bonds and other securities 3,518 23,982 - - 3,518 23,982 24 Total securities available-for-sale $ 21,949 $ 168,708 $ 225 $ 3,475 $ 22,174 $ 172,183 141 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 June and December were and respectively. The Company concluded no ACL should be recognized 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 June 30, 2024 and no impairment has been recognized.

Loans and the Allowance for Cre

Loans and the Allowance for Credit Losses on Loans	6 Months Ended
	Jun. 30, 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: June 30, December 31, (dollars in thousands) 2024 2023 Mortgage loans on real estate: Residential 1-4 family $ 187,071 $ 188,517 Commercial - owner occupied 143,185 156,466 Commercial - non-owner occupied 309,317 285,250 Multifamily 38,645 29,207 Construction and land development 90,184 107,179 Second mortgages 9,996 10,148 Equity lines of credit 59,096 55,981 Total mortgage loans on real estate 837,494 832,748 Commercial and industrial loans 56,635 64,112 Consumer automobile loans 138,912 160,437 Other consumer loans 19,573 19,718 Other (1) 1,988 3,237 Total loans, net of deferred fees (2) 1,054,602 1,080,252 Less: Allowance for credit losses on loans 11,828 12,206 Loans, net of allowance and deferred fees (2) $ 1,042,774 $ 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 $394 thousand and $244 thousand at June 30, 2024 and December 31, 2023, respectively. (2) Net deferred loan fees totaled $1.1 million on June 30, 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. Any accrued interest receivable on loans placed on nonaccrual status is reversed by an adjustment to interest income. 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 June 30, 2024 and December 31, 2023. Age Analysis of Past Due Loans as of June 30, 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 $ - $ 28 $ 42 $ - $ 187,001 $ 187,071 Commercial - owner occupied - - - - 143,185 143,185 Commercial - non-owner occupied - - - - 309,317 309,317 Multifamily - - - - 38,645 38,645 Construction and land development - - - - 90,184 90,184 Second mortgages - 52 - - 9,944 9,996 Equity lines of credit 552 - - 44 58,500 59,096 Total mortgage loans on real estate $ 552 $ 80 $ 42 $ 44 $ 836,776 $ 837,494 Commercial and industrial loans 861 322 - - 55,452 56,635 Consumer automobile loans 2,057 654 371 - 135,830 138,912 Other consumer loans 236 127 31 - 19,179 19,573 Other 33 2 3 - 1,950 1,988 Total $ 3,739 $ 1,185 $ 447 $ 44 $ 1,049,187 $ 1,054,602 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 June 30, 2024 and December 31, 2023. All nonaccrual loans had an ACLL as of June 30, 2024 and December 31, 2023. Nonaccrual (dollars in thousands) June 30, 2024 December 31, 2023 Mortgage loans on real estate: Residential 1-4 family $ - $ 142 Commercial - non-owner occupied - - Second mortgages - - Equity lines of credit 44 46 Total mortgage loans on real estate 44 188 Commercial and industrial loans - - Consumer automobile loans - - Other consumer loans - - Total $ 44 $ 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 and six months ended June 30, 2024 and June 30, 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 six months ended June 30, 2024 and June 30, 2023. Allowance for Credit Losses and Recorded Investment in Loans For the Six Months ended June 30, 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 (117 ) - - - (756 ) (104 ) - (977 ) Recoveries 6 - 20 11 267 26 - 330 Provision for loan losses 17 (129 ) 58 (58 ) 372 9 - 269 Ending Balance $ 479 $ 853 $ 2,982 $ 5,695 $ 1,710 $ 109 $ - $ 11,828 For the Six Months Ended June 30, 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 credit losses on loans: Balance, beginning $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Day 1 impact of adoption of CECL (11 ) 19 87 1,048 (365 ) (137 ) - 641 Charge-offs (51 ) - - - (534 ) (169 ) - (754 ) Recoveries 12 - 20 - 312 21 - 365 Provision for loan losses 43 136 198 162 112 228 (6 ) 873 Ending Balance $ 666 $ 707 $ 2,880 $ 5,709 $ 1,590 $ 99 $ - $ 11,651 (1) The real estate-mortgage segment includes 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 June 30, Six Months Ended June 30, (dollars in thousands) 2024 2023 2024 2023 Provision for credit losses: Provision for loans $ 191 $ 310 $ 269 $ 873 Provison for (recovery of) unfunded commitments 70 51 72 (136 ) Total $ 261 $ 361 $ 341 $ 737 Credit Quality Indicators Credit quality indicators are utilized to help estimate the collectability of each loan. Consumer loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. While other credit quality indicators are evaluated and analyzed as part of the Company’s credit risk management activities, the Company uses internally-assigned risk grades as the primary indicator to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company’s internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company’s internally assigned risk grades are as follows: • Pass: Loans are of acceptable risk. • Other Assets Especially Mentioned (OAEM): Loans have potential weaknesses that deserve management’s close attention. • Substandard: Loans reflect significant deficiencies due to several adverse trends of a financial, economic, or managerial nature. • Doubtful: Loans have all the weaknesses inherent in a substandard loan with added characteristics that make collection or liquidation in full based on currently existing facts, conditions, and values highly questionable or improbable. • Loss: Loans have been identified for charge-off because they are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated: June 30, 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 $ 15,683 $ 35,372 $ 29,170 $ 5,149 $ 2,523 $ 649 $ 1,638 $ 90,184 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 15,683 $ 35,372 $ 29,170 $ 5,149 $ 2,523 $ 649 $ 1,638 $ 90,184 Commercial real estate - owner occupied Pass $ 5,262 $ 7,989 $ 28,903 $ 18,073 $ 11,163 $ 69,715 $ 1,274 $ 142,379 OAEM - - - - - 56 750 806 Substandard - - - - - - - - Total commercial real estate - owner occupied $ 5,262 $ 7,989 $ 28,903 $ 18,073 $ 11,163 $ 69,771 $ 2,024 $ 143,185 Commercial real estate - non-owner occupied Pass $ 3,259 $ 33,843 $ 64,109 $ 116,726 $ 40,179 $ 49,548 $ 873 $ 308,537 OAEM - - - - - 780 - 780 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 3,259 $ 33,843 $ 64,109 $ 116,726 $ 40,179 $ 50,328 $ 873 $ 309,317 Commercial and industrial Pass $ 5,432 $ 13,417 $ 16,147 $ 3,639 $ 1,247 $ 5,055 $ 11,698 $ 56,635 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 5,432 $ 13,417 $ 16,147 $ 3,639 $ 1,247 $ 5,055 $ 11,698 $ 56,635 Multifamily real estate Pass $ - $ 7,663 $ 1,363 $ 2,116 $ 592 $ 22,998 $ 3,913 $ 38,645 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ - $ 7,663 $ 1,363 $ 2,116 $ 592 $ 22,998 $ 3,913 $ 38,645 Residential 1-4 family Pass $ 4,874 $ 32,469 $ 41,099 $ 33,756 $ 25,445 $ 60,409 $ 57,592 $ 255,644 OAEM - - - - - - - - Substandard - - - - 339 180 - 519 Total residential 1-4 family $ 4,874 $ 32,469 $ 41,099 $ 33,756 $ 25,784 $ 60,589 $ 57,592 $ 256,163 Consumer - automobile Pass $ 10,721 $ 42,895 $ 68,183 $ 9,739 $ 2,948 $ 4,426 $ - $ 138,912 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 10,721 $ 42,895 $ 68,183 $ 9,739 $ 2,948 $ 4,426 $ - $ 138,912 Consumer - other Pass $ 468 $ 248 $ 445 $ 280 $ 45 $ 15,363 $ 2,724 $ 19,573 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 468 $ 248 $ 445 $ 280 $ 45 $ 15,363 $ 2,724 $ 19,573 Other Pass $ 90 $ - $ - $ 292 $ - $ 1,606 $ - $ 1,988 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 90 $ - $ - $ 292 $ - $ 1,606 $ - $ 1,988 Total loans Pass $ 45,789 $ 173,896 $ 249,419 $ 189,770 $ 84,142 $ 229,769 $ 79,712 $ 1,052,497 OAEM - - - - - 836 750 1,586 Substandard - - - - 339 180 - 519 Total loans $ 45,789 $ 173,896 $ 249,419 $ 189,770 $ 84,481 $ 230,785 $ 80,462 $ 1,054,602 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 six months ended June 30, 2024 and June 30, 2023: June 30, 2024 Current Period Charge-offs by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial $ - $ - $ 108 $ - $ - $ 9 $ - $ 117 Consumer - automobile - 151 438 131 17 15 - 752 Consumer - other - - - - - 4 - 4 Other (1) 104 - - - - - - 104 Total $ 104 $ 151 $ 546 $ 131 $ 17 $ 28 $ - $ 977 (1) Gross charge-offs of other loans for the six months ended June 30, 2024 included $104 thousand of demand deposit overdrafts that originated in 2024. June 30, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial $ - $ 51 $ - $ - $ - $ - $ - $ 51 Consumer - automobile - 265 142 45 18 49 - 519 Consumer - other - - 5 - 3 7 - 15 Other (1) 147 22 - - - - - 169 Total $ 147 $ 338 $ 147 $ 45 $ 21 $ 56 $ - $ 754 (1) Gross charge-offs of other loans for the six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023. As of June 30, 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 was experiencing financial difficulty.

Leases

Leases	6 Months Ended
	Jun. 30, 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 assets and lease liabilities are included in “ Other Assets Other Liabilities The following tables present information about the Company’s leases: (dollars in thousands) June 30, 2024 December 31, 2023 Lease liabilities $ 1,032 $ 1,248 Right-of-use assets $ 836 $ 1,148 Weighted average remaining lease term 3.02 years 3.37 years Weighted average discount rate 3.16 % 3.06 % Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2024 2023 2024 2023 Operating lease cost $ 206 $ 101 $ 312 $ 202 Total lease cost $ 206 $ 101 $ 312 $ 202 Cash paid for amounts included in the measurement of lease liabilities $ 109 $ 112 $ 217 $ 203 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) June 30, 2024 Six months ending December 31, 2024 $ 206 Twelve months ending December 31, 2025 382 Twelve months ending December 31, 2026 278 Twelve months ending December 31, 2027 208 Twelve months ending December 31, 2028 24 Total undiscounted cash flows $ 1,098 Discount (66 ) Lease liabilities $ 1,032

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	6 Months Ended
	Jun. 30, 2024
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	Note 5. Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both June 30, 2024 and December 31, 2023. The general purpose of these funds is to encourage and assist participants in investing in low-income residential rental properties located in the Commonwealth of Virginia; develop and implement strategies to maintain projects as low-income housing; deliver Federal Low Income Housing Credits to investors; allocate tax losses and other possible tax benefits to investors; and preserve and protect project assets. The investments in these funds were recorded as other assets on the consolidated balance sheets and were $821 thousand and $1.1 million at June 30, 2024 and December 31, 2023, respectively. The expected terms of these investments and the related tax benefits run through 2033. There were no additional capital calls expected for the funds at June 30, 2024. During the period, the Company adopted ASU 2023-02 The table below summarizes the tax credits and other tax benefits recognized by the Company related to these investments during the periods indicated Three Months Ended Six Months Ended June 30, June 30, (dollars in thousands) 2024 2023 2024 2023 Tax credits and other benefits Amortization of operating losses $ 42 $ 92 $ 134 $ 184 Tax benefit of operating losses* 9 19 28 39 Tax credits 78 78 155 155 Total tax benefits $ 87 $ 97 $ 183 $ 194 * Computed using a 21

Borrowings

Borrowings	6 Months Ended
	Jun. 30, 2024
Borrowings [Abstract]
Borrowings	Note 6. Borrowings Short-Term Borrowings The Company classifies all borrowings that will mature within a year from the date on which the Company enters into them as short-term borrowings. Short-term borrowings sources consist of federal funds purchased, overnight repurchase agreements (which are secured transactions with customers that generally mature within one The Company maintains federal funds lines with several correspondent banks to address short-term borrowing needs. As of both June 30, 2024 and December 31, 2023, the remaining credit available from these lines totaled $90.0 million. The Company has a secured credit line with the FHLB with remaining credit availability of $391.3 million and $362.1 million as of June 30, 2024 and December 31, 2023, respectively. The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) June 30, 2024 December 31, 2023 Federal funds purchased $ - $ - Overnight repurchase agreements 1,381 2,383 Federal Home Loan Bank advances 19,586 9,450 Total short-term borrowings $ 20,967 $ 11,833 Maximum month-end outstanding balance (year-to-date) $ 41,682 $ 84,360 Average outstanding balance during the period $ 44,106 $ 53,466 Average interest rate (year-to-date) 4.63 % 4.90 % Average interest rate at end of period 5.65 % 5.65 % Long-Term Borrowings The Company had a long-term FHLB advance totaling $20.0 million outstanding at June 30, 2024 with a scheduled maturity of April 14, 2025 at a rate of 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 SOFR

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2024
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 7. Commitments and Contingencies Credit-Related Financial Instruments The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Consolidated Balance Sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. Financial instruments whose contract amounts represent credit risk were outstanding as of June 30, 2024 and December 31, 2023 were as follows: June 30, December 31, (dollars in thousands) 2024 2023 Commitments to extend credit: Home equity lines of credit $ 94,729 $ 91,885 Commercial real estate, construction and development loans committed but not funded 72,861 74,218 Other lines of credit (principally commercial) 49,251 47,622 Total $ 216,841 $ 213,725 Letters of credit $ 816 $ 802

Share-Based Compensation

Share-Based Compensation	6 Months Ended
	Jun. 30, 2024
Share-Based Compensation [Abstract]
Share-Based Compensation	Note 8. 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 six months of 2024. Total stock purchases under the ESPP amounted to 3,865 shares during the six months ended June 30, 2024. At June 30, 2024, the Company had 210,488 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 June 30, 2024, only restricted stock had been granted under the Incentive Stock Plan. Restricted stock activity for the six months ended June 30, 2024 and June 30, 2023 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2023 53,660 $ 22.32 Issued 37,674 14.05 Vested (19,112 ) 19.95 Forfeited (4,109 ) 20.70 Nonvested, June 30, 2024 68,113 $ 18.51 Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2022 46,989 $ 22.49 Issued 35,013 17.20 Vested (22,003 ) 19.86 Forfeited - - Nonvested, June 30, 2023 59,999 $ 20.37 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.93 years. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $796 thousand as of June 30, 2024 and $523 thousand as of December 31, 2023. Stock-based compensation expense was $130 thousand and $141 thousand for the three months ended June 30, 2024 and 2023, respectively, and $205 thousand and $248 thousand for the six months ended June 30, 2024 and 2023, respectively.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	6 Months Ended
	Jun. 30, 2024
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings per Common Share	Note 9. Stockholders’ Equity and Earnings per Common Share Stockholders’ Equity – Accumulated Other Comprehensive Loss The following tables present amounts reclassified out of accumulated other comprehensive income (loss), by category, during the three and six months ended June 30, 2024 and 2023, respectively. Three Months Ended Six Months Ended June 30, June 30, Affected Line Item on (dollars in thousands) 2024 2023 2024 2023 Sale of securities Realized loss on sale of securities $ - $ (164 ) $ - $ (164 ) Loss on sale of securities, net Tax effect - 34 - 34 Income tax expense $ - $ (130 ) $ - $ (130 ) 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 June 30 2024 Balance at beginning of period $ (17,798 ) $ (17,798 ) Net other comprehensive income 500 500 Balance at end of period $ (17,298 ) $ (17,298 ) Three Months Ended June 30 2023 Balance at beginning of period $ (18,435 ) $ (18,435 ) Net other comprehensive loss (1,322 ) (1,322 ) Balance at end of period $ (19,757 ) $ (19,757 ) (dollars in thousands) Unrealized Gains (Losses) on Available- for-Sale Securities Accumulated Other Comprehensive (Loss) Income Six June 30 2024 Balance at beginning of period $ (17,530 ) $ (17,530 ) Net other comprehensive income 232 232 Balance at end of period $ (17,298 ) $ (17,298 ) Six June 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive income 1,010 1,010 Balance at end of period $ (19,757 ) $ (19,757 ) The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended June 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 633 $ (133 ) $ 500 Total change in accumulated other comprehensive loss, net $ 633 $ (133 ) $ 500 Three Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,838 ) $ 386 $ (1,452 ) Reclassification adjustment for losses recognized in income 164 (34 ) 130 (1,674 ) 352 (1,322 ) Total change in accumulated other comprehensive loss, net $ (1,674 ) $ 352 $ (1,322 ) Six Months Ended June 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 294 $ (62 ) $ 232 Total change in accumulated other comprehensive loss, net $ 294 $ (62 ) $ 232 Six Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,114 $ (234 ) $ 880 Reclassification adjustment for losses recognized in income 164 (34 ) 130 1,278 (268 ) 1,010 Total change in accumulated other comprehensive loss, net $ 1,278 $ (268 ) $ 1,010 Earnings Per Common Share Basic EPS is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the weighted average number of common shares outstanding during the period, including the effect of potentially dilutive common shares attributable to the ESPP. The Company had no antidilutive shares outstanding in the three and six months ended June 30, 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	6 Months Ended
	Jun. 30, 2024
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 10. Fair Value Measurements Determination of Fair Value In estimating the fair value of assets and liabilities, the Company relies mainly on 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. and $470 thousand at December 31, 2023. The following tables present the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at June 30, 2024 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,851 $ - $ 3,851 $ - Obligations of U.S. Government agencies 36,762 - 36,762 - Obligations of state and political subdivisions 50,226 - 50,226 - Mortgage-backed securities 77,306 - 77,306 - Corporate bonds and other securities 23,982 - 23,982 - Total available-for-sale securities 192,127 - 192,127 - Derivatives Interest rate swap on loans 1,724 - 1,724 - Total assets $ 193,851 $ - $ 193,851 $ - Liabilities: Derivatives Interest rate swap on loans 1,724 - 1,724 - Total liabilities $ 1,724 $ - $ 1,724 $ - 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 - Corporate bonds and other securities 23,735 - 23,735 - Total available-for-sale securities $ 202,231 $ - $ 202,231 $ - Loans held for sale 470 - 470 - Derivatives Interest rate locks 10 - 10 - Interest rate swap on loans 1,249 - 1,249 - Total assets $ 203,960 $ - $ 203,960 $ - 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 June 30, 2024 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 92,745 $ 92,745 $ - $ - Securities available-for-sale 192,127 - 192,127 - Restricted securities 3,825 - 3,825 - Loans, net 1,042,774 - - 984,390 Derivatives Interest rate swap on loans 1,724 - 1,724 - Bank owned life insurance 35,623 - 35,623 - Accrued interest receivable 4,873 - 4,873 - Liabilities Deposits $ 1,236,575 $ - $ 1,234,452 $ - Overnight repurchase agreements 1,381 - 1,381 - Federal Home Loan Bank advances 39,586 - 39,586 - Subordinated notes 29,733 - 25,786 - Derivatives Interest rate swap on loans 1,724 - 1,724 - Accrued interest payable 2,028 - 2,028 - 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 202,231 - 202,231 - 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	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
Segment Reporting	Note 11. Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, Wealth, and the Company (for purposes of this Note, the Parent). Revenues from the Bank’s operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Wealth’s operating revenues consist principally of income from fiduciary and asset management fees. The Parent’s revenues are mainly interest and dividends received from the Bank and Wealth. The Company has no other segments. The Company’s reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the three and six months ended June 30, 2024 and 2023 follows: Three Months Ended June 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 18,069 $ 49 $ 4,321 $ (4,321 ) $ 18,118 Income from fiduciary activities - 1,179 - (50 ) 1,129 Other income 2,158 236 50 (102 ) 2,342 Total operating income 20,227 1,464 4,371 (4,473 ) 21,589 Expenses Interest expense 5,707 - 295 - 6,002 Provision for credit losses 261 - - - 261 Salaries and employee benefits 6,159 887 199 (50 ) 7,195 Other expenses 4,720 337 174 (102 ) 5,129 Total operating expenses 16,847 1,224 668 (152 ) 18,587 Income (loss) before taxes 3,380 240 3,703 (4,321 ) 3,002 Income tax expense (benefit) 552 51 (130 ) - 473 Net income (loss) $ 2,828 $ 189 $ 3,833 $ (4,321 ) $ 2,529 Capital expenditures $ 1,152 $ - $ - $ - $ 1,152 Three Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 16,312 $ 35 $ 2,296 $ (2,296 ) $ 16,347 Income from fiduciary activities - 1,154 - - 1,154 Other income 2,139 200 50 (66 ) 2,323 Total operating income 18,451 1,389 2,346 (2,362 ) 19,824 Expenses Interest expense 3,953 - 295 - 4,248 Provision for credit losses 361 - - - 361 Salaries and employee benefits 6,745 1,099 199 - 8,043 Other expenses 4,648 341 181 (66 ) 5,104 Total operating expenses 15,707 1,440 675 (66 ) 17,756 Income (loss) before taxes 2,744 (51 ) 1,671 (2,296 ) 2,068 Income tax expense (benefit) 406 (9 ) (131 ) - 266 Net income (loss) $ 2,338 $ (42 ) $ 1,802 $ (2,296 ) $ 1,802 Capital expenditures $ 357 $ - $ - $ - $ 357 Six Months Ended June 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 35,410 $ 91 $ 5,121 $ (5,121 ) $ 35,501 Income from fiduciary activities - 2,396 - (75 ) 2,321 Other income 3,992 447 100 (167 ) 4,372 Total operating income 39,402 2,934 5,221 (5,363 ) 42,194 Expenses Interest expense 11,255 - 590 - 11,845 Provision for credit losses 341 - - - 341 Salaries and employee benefits 12,800 1,911 390 (75 ) 15,026 Other expenses 9,205 735 228 (167 ) 10,001 Total operating expenses 33,601 2,646 1,208 (242 ) 37,213 Income (loss) before taxes 5,801 288 4,013 (5,121 ) 4,981 Income tax expense (benefit) 905 63 (233 ) - 735 Net income (loss) $ 4,896 $ 225 $ 4,246 $ (5,121 ) $ 4,246 Capital expenditures $ 1,951 $ - $ - $ - $ 1,951 Six Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 31,433 $ 67 $ 5,801 $ (5,801 ) $ 31,500 Income from fiduciary activities - 2,270 - - 2,270 Other income 4,205 454 100 (131 ) 4,628 Total operating income 35,638 2,791 5,901 (5,932 ) 38,398 Expenses Interest expense 5,998 - 590 - 6,588 Provision for credit losses 737 - - - 737 Salaries and employee benefits 12,830 2,173 403 - 15,406 Other expenses 9,129 645 266 (131 ) 9,909 Total operating expenses 28,694 2,818 1,259 (131 ) 32,640 Income (loss) before taxes 6,944 (27 ) 4,642 (5,801 ) 5,758 Income tax expense (benefit) 1,119 (3 ) (243 ) - 873 Net income (loss) $ 5,825 $ (24 ) $ 4,885 $ (5,801 ) $ 4,885 Capital expenditures $ 487 $ - $ - $ - $ 487 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Total assets at June 30,2024 $ 1,414,168 $ 7,481 $ 140,287 $ (138,582 ) $ 1,423,354 Total assets at December 31, 2023 $ 1,437,603 $ 7,235 $ 137,004 $ (135,460 ) $ 1,446,382 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
	Jun. 30, 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)	6 Months Ended
	Jun. 30, 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 Company’s financial position at June 30, 2024 and December 31, 2023, the statements of income, comprehensive income, and changes in stockholders’ equity for the three and six months ended June 30, 2024 and 2023, and the statements of cash flows for the six months ended June 30, 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.
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 2023-09, “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)	6 Months Ended
	Jun. 30, 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: June 30, 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,052 $ - $ (201 ) $ 3,851 Obligations of U.S. Government agencies 36,875 247 (360 ) 36,762 Obligations of state and political subdivisions 57,918 - (7,692 ) 50,226 Mortgage-backed securities 87,679 30 (10,403 ) 77,306 Corporate bonds and other securities 27,500 - (3,518 ) 23,982 $ 214,024 $ 277 $ (22,174 ) $ 192,127 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 Corporate bonds and other securities 27,500 - (3,765 ) 23,735 $ 224,421 $ 264 $ (22,454 ) $ 202,231
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities at June 30, 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. June 30, 2024 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,702 $ 1,665 Due after one year through five years 19,909 18,386 Due after five through ten years 54,125 46,856 Due after ten years 138,288 125,220 $ 214,024 $ 192,127 December 31, 2023 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,570 $ 1,541 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 $ 224,421 $ 202,231
Net Realized Gains or Losses on Sale of Investments	The following table shows realized gains or losses on the sale of investment securities during the three and six months ended June 30, 2024 and 2023, respectively. Three Months Ended Six Months Ended June 30, June 30, (dollars in thousands) 2024 2023 2024 2023 Realized gains on sales of securities $ - $ - $ - $ - Realized losses on sales of securities - (164 ) - (164 ) Net realized loss $ - $ (164 ) $ - $ (164 )
Available-for-Sale Securities, Continuous Unrealized Loss Position	The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an ACL has not been recorded as of June 30, 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: June 30, 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 $ 201 $ 3,851 $ - $ - $ 201 $ 3,851 1 Obligations of U.S. Government agencies 185 17,180 175 3,025 360 20,205 33 Obligations of state and political subdivisions 7,642 49,775 50 450 7,692 50,225 43 Mortgage-backed securities 10,403 73,920 - - 10,403 73,920 40 Corporate bonds and other securities 3,518 23,982 - - 3,518 23,982 24 Total securities available-for-sale $ 21,949 $ 168,708 $ 225 $ 3,475 $ 22,174 $ 172,183 141 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)	6 Months Ended
	Jun. 30, 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: June 30, December 31, (dollars in thousands) 2024 2023 Mortgage loans on real estate: Residential 1-4 family $ 187,071 $ 188,517 Commercial - owner occupied 143,185 156,466 Commercial - non-owner occupied 309,317 285,250 Multifamily 38,645 29,207 Construction and land development 90,184 107,179 Second mortgages 9,996 10,148 Equity lines of credit 59,096 55,981 Total mortgage loans on real estate 837,494 832,748 Commercial and industrial loans 56,635 64,112 Consumer automobile loans 138,912 160,437 Other consumer loans 19,573 19,718 Other (1) 1,988 3,237 Total loans, net of deferred fees (2) 1,054,602 1,080,252 Less: Allowance for credit losses on loans 11,828 12,206 Loans, net of allowance and deferred fees (2) $ 1,042,774 $ 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 $394 thousand and $244 thousand at June 30, 2024 and December 31, 2023, respectively. (2) Net deferred loan fees totaled $1.1 million on June 30, 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 June 30, 2024 and December 31, 2023. Age Analysis of Past Due Loans as of June 30, 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 $ - $ 28 $ 42 $ - $ 187,001 $ 187,071 Commercial - owner occupied - - - - 143,185 143,185 Commercial - non-owner occupied - - - - 309,317 309,317 Multifamily - - - - 38,645 38,645 Construction and land development - - - - 90,184 90,184 Second mortgages - 52 - - 9,944 9,996 Equity lines of credit 552 - - 44 58,500 59,096 Total mortgage loans on real estate $ 552 $ 80 $ 42 $ 44 $ 836,776 $ 837,494 Commercial and industrial loans 861 322 - - 55,452 56,635 Consumer automobile loans 2,057 654 371 - 135,830 138,912 Other consumer loans 236 127 31 - 19,179 19,573 Other 33 2 3 - 1,950 1,988 Total $ 3,739 $ 1,185 $ 447 $ 44 $ 1,049,187 $ 1,054,602 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 June 30, 2024 and December 31, 2023. All nonaccrual loans had an ACLL as of June 30, 2024 and December 31, 2023. Nonaccrual (dollars in thousands) June 30, 2024 December 31, 2023 Mortgage loans on real estate: Residential 1-4 family $ - $ 142 Commercial - non-owner occupied - - Second mortgages - - Equity lines of credit 44 46 Total mortgage loans on real estate 44 188 Commercial and industrial loans - - Consumer automobile loans - - Other consumer loans - - Total $ 44 $ 188
Allowance for Credit Losses by Segment	The following tables presents the activity in the ACLL by portfolio class for the six months ended June 30, 2024 and June 30, 2023. Allowance for Credit Losses and Recorded Investment in Loans For the Six Months ended June 30, 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 (117 ) - - - (756 ) (104 ) - (977 ) Recoveries 6 - 20 11 267 26 - 330 Provision for loan losses 17 (129 ) 58 (58 ) 372 9 - 269 Ending Balance $ 479 $ 853 $ 2,982 $ 5,695 $ 1,710 $ 109 $ - $ 11,828 For the Six Months Ended June 30, 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 credit losses on loans: Balance, beginning $ 673 $ 552 $ 2,575 $ 4,499 $ 2,065 $ 156 $ 6 $ 10,526 Day 1 impact of adoption of CECL (11 ) 19 87 1,048 (365 ) (137 ) - 641 Charge-offs (51 ) - - - (534 ) (169 ) - (754 ) Recoveries 12 - 20 - 312 21 - 365 Provision for loan losses 43 136 198 162 112 228 (6 ) 873 Ending Balance $ 666 $ 707 $ 2,880 $ 5,709 $ 1,590 $ 99 $ - $ 11,651 (1) The real estate-mortgage segment includes 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 June 30, Six Months Ended June 30, (dollars in thousands) 2024 2023 2024 2023 Provision for credit losses: Provision for loans $ 191 $ 310 $ 269 $ 873 Provison for (recovery of) unfunded commitments 70 51 72 (136 ) Total $ 261 $ 361 $ 341 $ 737
Risk Category Loans by Class of Loans	The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated: June 30, 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 $ 15,683 $ 35,372 $ 29,170 $ 5,149 $ 2,523 $ 649 $ 1,638 $ 90,184 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 15,683 $ 35,372 $ 29,170 $ 5,149 $ 2,523 $ 649 $ 1,638 $ 90,184 Commercial real estate - owner occupied Pass $ 5,262 $ 7,989 $ 28,903 $ 18,073 $ 11,163 $ 69,715 $ 1,274 $ 142,379 OAEM - - - - - 56 750 806 Substandard - - - - - - - - Total commercial real estate - owner occupied $ 5,262 $ 7,989 $ 28,903 $ 18,073 $ 11,163 $ 69,771 $ 2,024 $ 143,185 Commercial real estate - non-owner occupied Pass $ 3,259 $ 33,843 $ 64,109 $ 116,726 $ 40,179 $ 49,548 $ 873 $ 308,537 OAEM - - - - - 780 - 780 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 3,259 $ 33,843 $ 64,109 $ 116,726 $ 40,179 $ 50,328 $ 873 $ 309,317 Commercial and industrial Pass $ 5,432 $ 13,417 $ 16,147 $ 3,639 $ 1,247 $ 5,055 $ 11,698 $ 56,635 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 5,432 $ 13,417 $ 16,147 $ 3,639 $ 1,247 $ 5,055 $ 11,698 $ 56,635 Multifamily real estate Pass $ - $ 7,663 $ 1,363 $ 2,116 $ 592 $ 22,998 $ 3,913 $ 38,645 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ - $ 7,663 $ 1,363 $ 2,116 $ 592 $ 22,998 $ 3,913 $ 38,645 Residential 1-4 family Pass $ 4,874 $ 32,469 $ 41,099 $ 33,756 $ 25,445 $ 60,409 $ 57,592 $ 255,644 OAEM - - - - - - - - Substandard - - - - 339 180 - 519 Total residential 1-4 family $ 4,874 $ 32,469 $ 41,099 $ 33,756 $ 25,784 $ 60,589 $ 57,592 $ 256,163 Consumer - automobile Pass $ 10,721 $ 42,895 $ 68,183 $ 9,739 $ 2,948 $ 4,426 $ - $ 138,912 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 10,721 $ 42,895 $ 68,183 $ 9,739 $ 2,948 $ 4,426 $ - $ 138,912 Consumer - other Pass $ 468 $ 248 $ 445 $ 280 $ 45 $ 15,363 $ 2,724 $ 19,573 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 468 $ 248 $ 445 $ 280 $ 45 $ 15,363 $ 2,724 $ 19,573 Other Pass $ 90 $ - $ - $ 292 $ - $ 1,606 $ - $ 1,988 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 90 $ - $ - $ 292 $ - $ 1,606 $ - $ 1,988 Total loans Pass $ 45,789 $ 173,896 $ 249,419 $ 189,770 $ 84,142 $ 229,769 $ 79,712 $ 1,052,497 OAEM - - - - - 836 750 1,586 Substandard - - - - 339 180 - 519 Total loans $ 45,789 $ 173,896 $ 249,419 $ 189,770 $ 84,481 $ 230,785 $ 80,462 $ 1,054,602 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 six months ended June 30, 2024 and June 30, 2023: June 30, 2024 Current Period Charge-offs by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial $ - $ - $ 108 $ - $ - $ 9 $ - $ 117 Consumer - automobile - 151 438 131 17 15 - 752 Consumer - other - - - - - 4 - 4 Other (1) 104 - - - - - - 104 Total $ 104 $ 151 $ 546 $ 131 $ 17 $ 28 $ - $ 977 (1) Gross charge-offs of other loans for the six months ended June 30, 2024 included $104 thousand of demand deposit overdrafts that originated in 2024. June 30, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial $ - $ 51 $ - $ - $ - $ - $ - $ 51 Consumer - automobile - 265 142 45 18 49 - 519 Consumer - other - - 5 - 3 7 - 15 Other (1) 147 22 - - - - - 169 Total $ 147 $ 338 $ 147 $ 45 $ 21 $ 56 $ - $ 754 (1) Gross charge-offs of other loans for the six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023.

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
Information About Leases	The following tables present information about the Company’s leases: (dollars in thousands) June 30, 2024 December 31, 2023 Lease liabilities $ 1,032 $ 1,248 Right-of-use assets $ 836 $ 1,148 Weighted average remaining lease term 3.02 years 3.37 years Weighted average discount rate 3.16 % 3.06 %
Lease Cost	Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2024 2023 2024 2023 Operating lease cost $ 206 $ 101 $ 312 $ 202 Total lease cost $ 206 $ 101 $ 312 $ 202 Cash paid for amounts included in the measurement of lease liabilities $ 109 $ 112 $ 217 $ 203
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) June 30, 2024 Six months ending December 31, 2024 $ 206 Twelve months ending December 31, 2025 382 Twelve months ending December 31, 2026 278 Twelve months ending December 31, 2027 208 Twelve months ending December 31, 2028 24 Total undiscounted cash flows $ 1,098 Discount (66 ) Lease liabilities $ 1,032

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	6 Months Ended
	Jun. 30, 2024
Low-Income Housing Tax Credits [Abstract]
Tax Credits and Other Tax Benefits Recognized Related to Investments	The table below summarizes the tax credits and other tax benefits recognized by the Company related to these investments during the periods indicated Three Months Ended Six Months Ended June 30, June 30, (dollars in thousands) 2024 2023 2024 2023 Tax credits and other benefits Amortization of operating losses $ 42 $ 92 $ 134 $ 184 Tax benefit of operating losses* 9 19 28 39 Tax credits 78 78 155 155 Total tax benefits $ 87 $ 97 $ 183 $ 194 * Computed using a 21

Borrowings (Tables)

Borrowings (Tables)	6 Months Ended
	Jun. 30, 2024
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) June 30, 2024 December 31, 2023 Federal funds purchased $ - $ - Overnight repurchase agreements 1,381 2,383 Federal Home Loan Bank advances 19,586 9,450 Total short-term borrowings $ 20,967 $ 11,833 Maximum month-end outstanding balance (year-to-date) $ 41,682 $ 84,360 Average outstanding balance during the period $ 44,106 $ 53,466 Average interest rate (year-to-date) 4.63 % 4.90 % Average interest rate at end of period 5.65 % 5.65 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 and December 31, 2023 were as follows: June 30, December 31, (dollars in thousands) 2024 2023 Commitments to extend credit: Home equity lines of credit $ 94,729 $ 91,885 Commercial real estate, construction and development loans committed but not funded 72,861 74,218 Other lines of credit (principally commercial) 49,251 47,622 Total $ 216,841 $ 213,725 Letters of credit $ 816 $ 802

Share-Based Compensation (Table

Share-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2024
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the six months ended June 30, 2024 and June 30, 2023 is summarized below: Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2023 53,660 $ 22.32 Issued 37,674 14.05 Vested (19,112 ) 19.95 Forfeited (4,109 ) 20.70 Nonvested, June 30, 2024 68,113 $ 18.51 Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2022 46,989 $ 22.49 Issued 35,013 17.20 Vested (22,003 ) 19.86 Forfeited - - Nonvested, June 30, 2023 59,999 $ 20.37

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	6 Months Ended
	Jun. 30, 2024
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts Reclassified Out of Accumulated Other Comprehensive Income (Loss), by Category	The following tables present amounts reclassified out of accumulated other comprehensive income (loss), by category, during the three and six months ended June 30, 2024 and 2023, respectively. Three Months Ended Six Months Ended June 30, June 30, Affected Line Item on (dollars in thousands) 2024 2023 2024 2023 Sale of securities Realized loss on sale of securities $ - $ (164 ) $ - $ (164 ) Loss on sale of securities, net Tax effect - 34 - 34 Income tax expense $ - $ (130 ) $ - $ (130 )
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 June 30 2024 Balance at beginning of period $ (17,798 ) $ (17,798 ) Net other comprehensive income 500 500 Balance at end of period $ (17,298 ) $ (17,298 ) Three Months Ended June 30 2023 Balance at beginning of period $ (18,435 ) $ (18,435 ) Net other comprehensive loss (1,322 ) (1,322 ) Balance at end of period $ (19,757 ) $ (19,757 ) (dollars in thousands) Unrealized Gains (Losses) on Available- for-Sale Securities Accumulated Other Comprehensive (Loss) Income Six June 30 2024 Balance at beginning of period $ (17,530 ) $ (17,530 ) Net other comprehensive income 232 232 Balance at end of period $ (17,298 ) $ (17,298 ) Six June 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive income 1,010 1,010 Balance at end of period $ (19,757 ) $ (19,757 )
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended June 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 633 $ (133 ) $ 500 Total change in accumulated other comprehensive loss, net $ 633 $ (133 ) $ 500 Three Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,838 ) $ 386 $ (1,452 ) Reclassification adjustment for losses recognized in income 164 (34 ) 130 (1,674 ) 352 (1,322 ) Total change in accumulated other comprehensive loss, net $ (1,674 ) $ 352 $ (1,322 ) Six Months Ended June 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 294 $ (62 ) $ 232 Total change in accumulated other comprehensive loss, net $ 294 $ (62 ) $ 232 Six Months Ended June 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,114 $ (234 ) $ 880 Reclassification adjustment for losses recognized in income 164 (34 ) 130 1,278 (268 ) 1,010 Total change in accumulated other comprehensive loss, net $ 1,278 $ (268 ) $ 1,010

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,851 $ - $ 3,851 $ - Obligations of U.S. Government agencies 36,762 - 36,762 - Obligations of state and political subdivisions 50,226 - 50,226 - Mortgage-backed securities 77,306 - 77,306 - Corporate bonds and other securities 23,982 - 23,982 - Total available-for-sale securities 192,127 - 192,127 - Derivatives Interest rate swap on loans 1,724 - 1,724 - Total assets $ 193,851 $ - $ 193,851 $ - Liabilities: Derivatives Interest rate swap on loans 1,724 - 1,724 - Total liabilities $ 1,724 $ - $ 1,724 $ - 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 - Corporate bonds and other securities 23,735 - 23,735 - Total available-for-sale securities $ 202,231 $ - $ 202,231 $ - Loans held for sale 470 - 470 - Derivatives Interest rate locks 10 - 10 - Interest rate swap on loans 1,249 - 1,249 - Total assets $ 203,960 $ - $ 203,960 $ - 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 June 30, 2024 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 92,745 $ 92,745 $ - $ - Securities available-for-sale 192,127 - 192,127 - Restricted securities 3,825 - 3,825 - Loans, net 1,042,774 - - 984,390 Derivatives Interest rate swap on loans 1,724 - 1,724 - Bank owned life insurance 35,623 - 35,623 - Accrued interest receivable 4,873 - 4,873 - Liabilities Deposits $ 1,236,575 $ - $ 1,234,452 $ - Overnight repurchase agreements 1,381 - 1,381 - Federal Home Loan Bank advances 39,586 - 39,586 - Subordinated notes 29,733 - 25,786 - Derivatives Interest rate swap on loans 1,724 - 1,724 - Accrued interest payable 2,028 - 2,028 - 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 202,231 - 202,231 - 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)	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 2024 and 2023 follows: Three Months Ended June 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 18,069 $ 49 $ 4,321 $ (4,321 ) $ 18,118 Income from fiduciary activities - 1,179 - (50 ) 1,129 Other income 2,158 236 50 (102 ) 2,342 Total operating income 20,227 1,464 4,371 (4,473 ) 21,589 Expenses Interest expense 5,707 - 295 - 6,002 Provision for credit losses 261 - - - 261 Salaries and employee benefits 6,159 887 199 (50 ) 7,195 Other expenses 4,720 337 174 (102 ) 5,129 Total operating expenses 16,847 1,224 668 (152 ) 18,587 Income (loss) before taxes 3,380 240 3,703 (4,321 ) 3,002 Income tax expense (benefit) 552 51 (130 ) - 473 Net income (loss) $ 2,828 $ 189 $ 3,833 $ (4,321 ) $ 2,529 Capital expenditures $ 1,152 $ - $ - $ - $ 1,152 Three Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 16,312 $ 35 $ 2,296 $ (2,296 ) $ 16,347 Income from fiduciary activities - 1,154 - - 1,154 Other income 2,139 200 50 (66 ) 2,323 Total operating income 18,451 1,389 2,346 (2,362 ) 19,824 Expenses Interest expense 3,953 - 295 - 4,248 Provision for credit losses 361 - - - 361 Salaries and employee benefits 6,745 1,099 199 - 8,043 Other expenses 4,648 341 181 (66 ) 5,104 Total operating expenses 15,707 1,440 675 (66 ) 17,756 Income (loss) before taxes 2,744 (51 ) 1,671 (2,296 ) 2,068 Income tax expense (benefit) 406 (9 ) (131 ) - 266 Net income (loss) $ 2,338 $ (42 ) $ 1,802 $ (2,296 ) $ 1,802 Capital expenditures $ 357 $ - $ - $ - $ 357 Six Months Ended June 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 35,410 $ 91 $ 5,121 $ (5,121 ) $ 35,501 Income from fiduciary activities - 2,396 - (75 ) 2,321 Other income 3,992 447 100 (167 ) 4,372 Total operating income 39,402 2,934 5,221 (5,363 ) 42,194 Expenses Interest expense 11,255 - 590 - 11,845 Provision for credit losses 341 - - - 341 Salaries and employee benefits 12,800 1,911 390 (75 ) 15,026 Other expenses 9,205 735 228 (167 ) 10,001 Total operating expenses 33,601 2,646 1,208 (242 ) 37,213 Income (loss) before taxes 5,801 288 4,013 (5,121 ) 4,981 Income tax expense (benefit) 905 63 (233 ) - 735 Net income (loss) $ 4,896 $ 225 $ 4,246 $ (5,121 ) $ 4,246 Capital expenditures $ 1,951 $ - $ - $ - $ 1,951 Six Months Ended June 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 31,433 $ 67 $ 5,801 $ (5,801 ) $ 31,500 Income from fiduciary activities - 2,270 - - 2,270 Other income 4,205 454 100 (131 ) 4,628 Total operating income 35,638 2,791 5,901 (5,932 ) 38,398 Expenses Interest expense 5,998 - 590 - 6,588 Provision for credit losses 737 - - - 737 Salaries and employee benefits 12,830 2,173 403 - 15,406 Other expenses 9,129 645 266 (131 ) 9,909 Total operating expenses 28,694 2,818 1,259 (131 ) 32,640 Income (loss) before taxes 6,944 (27 ) 4,642 (5,801 ) 5,758 Income tax expense (benefit) 1,119 (3 ) (243 ) - 873 Net income (loss) $ 5,825 $ (24 ) $ 4,885 $ (5,801 ) $ 4,885 Capital expenditures $ 487 $ - $ - $ - $ 487 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Total assets at June 30,2024 $ 1,414,168 $ 7,481 $ 140,287 $ (138,582 ) $ 1,423,354 Total assets at December 31, 2023 $ 1,437,603 $ 7,235 $ 137,004 $ (135,460 ) $ 1,446,382

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies, The Company (Details)	Jun. 30, 2024 Subsidiary Branch
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)	6 Months Ended
	Jun. 30, 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	Jun. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 214,024	$ 224,421
Gross unrealized gains	277	264
Gross unrealized (losses)	(22,174)	(22,454)
Fair value	192,127	202,231
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	4,052	4,068
Gross unrealized gains	0	0
Gross unrealized (losses)	(201)	(211)
Fair value	3,851	3,857
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	36,875	43,233
Gross unrealized gains	247	167
Gross unrealized (losses)	(360)	(665)
Fair value	36,762	42,735
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	57,918	58,292
Gross unrealized gains	0	13
Gross unrealized (losses)	(7,692)	(7,708)
Fair value	50,226	50,597
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	87,679	91,328
Gross unrealized gains	30	84
Gross unrealized (losses)	(10,403)	(10,105)
Fair value	77,306	81,307
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)	(3,518)	(3,765)
Fair value	$ 23,982	$ 23,735

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 1,702	$ 1,570
Due after one year through five years	19,909	12,962
Due after five through ten years	54,125	63,248
Due after ten years	138,288	146,641
Amortized Cost	214,024	224,421
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	1,665	1,541
Due after one year through five years	18,386	12,178
Due after five through ten years	46,856	54,806
Due after ten years	125,220	133,706
Fair Value	$ 192,127	$ 202,231

Securities, Net Realized Gains

Securities, Net Realized Gains and Losses on Sale of Investments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Debt Securities, Available-for-Sale, Realized Gain (Loss) [Abstract]
Realized gains on sales of securities	$ 0	$ 0	$ 0	$ 0
Realized losses on sales of securities	0	(164)	0	(164)
Net realized loss	$ 0	$ (164)	$ 0	$ (164)

Securities, Individual Securiti

Securities, Individual Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($) Security	Dec. 31, 2023 USD ($) Security
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 21,949	$ 187
12 months or more	225	22,267
Total	22,174	22,454
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	168,708	13,226
12 months or more	3,475	172,353
Total	$ 172,183	$ 185,579
Number of securities | Security	141	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	201	0
12 months or more	0	211
Total	201	211
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	3,851	0
12 months or more	0	3,857
Total	$ 3,851	$ 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	$ 185	$ 91
12 months or more	175	574
Total	360	665
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	17,180	8,803
12 months or more	3,025	22,817
Total	$ 20,205	$ 31,620
Number of securities | Security	33	43
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 7,642	$ 0
12 months or more	50	7,708
Total	7,692	7,708
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	49,775	0
12 months or more	450	49,597
Total	$ 50,225	$ 49,597
Number of securities | Security	43	43
Mortgage-backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 10,403	$ 96
12 months or more	0	10,009
Total	10,403	10,105
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	73,920	4,423
12 months or more	0	73,347
Total	$ 73,920	$ 77,770
Number of securities | Security	40	40
Corporate Bonds and Other Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 3,518	$ 0
12 months or more	0	3,765
Total	3,518	3,765
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	23,982	0
12 months or more	0	22,735
Total	$ 23,982	$ 22,735
Number of securities | Security	24	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		Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 31, 2022
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[1]	$ 1,054,602	$ 1,080,252
Less: Allowance for credit losses on loans		11,828	12,206	$ 11,651	$ 10,526
Loans, net of allowance and deferred fees	[1]	1,042,774	1,068,046
Overdrawn deposit accounts, excluding internal use accounts		394	244
Net deferred loan costs		1,100	1,200
Mortgage Loans on Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		837,494	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		187,071	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]	5,695	5,742	5,709	4,499
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		143,185	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		309,317	285,250
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		38,645	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		90,184	107,179
Less: Allowance for credit losses on loans		853	982
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		9,996	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		59,096	55,981
Commercial and Industrial Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		56,635	64,112
Less: Allowance for credit losses on loans		479	573	666	673
Consumer [Member]
Portfolio of Loans Held for Investment [Abstract]
Less: Allowance for credit losses on loans	[3]	1,710	1,827	1,590	2,065
Consumer [Member] | Consumer Automobile Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		138,912	160,437
Consumer [Member] | Other Consumer Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		19,573	19,718
Other [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[4]	1,988	3,237
Less: Allowance for credit losses on loans		109	$ 178	99	$ 156
Overdrawn deposit accounts, excluding internal use accounts		$ 104		$ 147
[1]Net deferred loan fees totaled $1.1 million on June 30, 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 $394 thousand and $244 thousand at June 30, 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		Jun. 30, 2024	Dec. 31, 2023
Loans, Aging [Abstract]
Loans	[1]	$ 1,054,602	$ 1,080,252
Nonaccrual	[2]	44	188
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3,739	6,103
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,185	2,299
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		447	1,780
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	1,049,187	1,069,882
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		837,494	832,748
Nonaccrual	[2]	44	188
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		552	1,659
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		80	902
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		42	690
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	836,776	829,309
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		187,071	188,517
Nonaccrual	[2]	0	142
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	1,194
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		28	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		42	368
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	187,001	186,813
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		143,185	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]	143,185	156,044
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		309,317	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		0	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	309,317	284,354
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		38,645	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]	38,645	29,207
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Loans		90,184	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]	90,184	107,179
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		9,996	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		0	160
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		52	6
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	9,944	9,982
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		59,096	55,981
Nonaccrual	[2]	44	46
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		552	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]	58,500	55,730
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		56,635	64,112
Nonaccrual	[2]	0	0
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		861	527
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		322	427
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	306
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	55,452	62,852
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		138,912	160,437
Nonaccrual	[2]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2,057	3,254
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		654	706
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		371	661
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	135,830	155,816
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		19,573	19,718
Nonaccrual	[2]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		236	634
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		127	264
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		31	123
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	19,179	18,697
Other [Member]
Loans, Aging [Abstract]
Loans	[4]	1,988	3,237
Nonaccrual	[2]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		33	29
Other [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2	0
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		3	0
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	$ 1,950	$ 3,208
[1]Net deferred loan fees totaled $1.1 million on June 30, 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.

Loans and the Allowance for C_5

Loans and the Allowance for Credit Losses on Loans, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands		Jun. 30, 2024	Dec. 31, 2023
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	$ 44	$ 188
Mortgage Loans on Real Estate [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	44	188
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	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]	44	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]	0	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		6 Months Ended
		Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) Segment		Jun. 30, 2023 USD ($)
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				(977)		(754)
Recoveries				330		365
Provision for loan losses		$ 191	$ 310	269		873
Ending Balance		11,828	11,651	11,828		11,651
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				(117)		(51)
Recoveries				6		12
Provision for loan losses				17		43
Ending Balance		479	666	479		666
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						136
Ending Balance			707			707
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				(129)
Ending Balance		853		853
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]			20		20
Provision for loan losses	[1]			58		198
Ending Balance	[1]	2,982	2,880	2,982		2,880
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]			(58)		162
Ending Balance	[2]	5,695	5,709	5,695		5,709
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]			(756)		(534)
Recoveries	[3]			267		312
Provision for loan losses	[3]			372		112
Ending Balance	[3]	1,710	1,590	1,710		1,590
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				(104)	[4]	(169)	[5]
Recoveries				26		21
Provision for loan losses				9		228
Ending Balance		109	99	109		99
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	$ 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 includes 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 six months ended June 30, 2024 included $104 thousand of demand deposit overdrafts that originated in 2024. Gross charge-offs of other loans for the six months ended June 30, 2023 included $147 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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Provision for Credit Losses [Abstract]
Provision for loans	$ 191	$ 310	$ 269	$ 873
Provision for (recovery of) unfunded commitments	70	51	72	(136)
Total	$ 261	$ 361	$ 341	$ 737

Loans and the Allowance for C_8

Loans and the Allowance for Credit Losses on Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2024		Jun. 30, 2023		Dec. 31, 2023
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		$ 45,789				$ 188,858
2023/2022		173,896				274,769
2022/2021		249,419				203,777
2021/2020		189,770				89,317
2020/2019		84,481				46,551
Prior		230,785				197,421
Revolving Loans		80,462				79,559
Total loans	[1]	1,054,602				1,080,252
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		104		$ 147
2023/2022		151		338
2022/2021		546		147
2021/2020		131		45
2020/2019		17		21
Prior		28		56
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		977		754
Demand deposit overdrafts		394				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		45,789				188,858
2023/2022		173,896				274,769
2022/2021		249,419				203,777
2021/2020		189,770				88,967
2020/2019		84,142				45,624
Prior		229,769				194,204
Revolving Loans		79,712				79,559
Total loans		1,052,497				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		836				2,985
Revolving Loans		750				0
Total loans		1,586				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		0				350
2020/2019		339				46
Prior		180				232
Revolving Loans		0				0
Total loans		519				628
Mortgage Loans on Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans		837,494				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		15,683				40,168
2023/2022		35,372				36,581
2022/2021		29,170				25,770
2021/2020		5,149				3,630
2020/2019		2,523				297
Prior		649				285
Revolving Loans		1,638				448
Total loans		90,184				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		15,683				40,168
2023/2022		35,372				36,581
2022/2021		29,170				25,770
2021/2020		5,149				3,630
2020/2019		2,523				297
Prior		649				285
Revolving Loans		1,638				448
Total loans		90,184				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		5,262				10,145
2023/2022		7,989				33,720
2022/2021		28,903				21,058
2021/2020		18,073				13,708
2020/2019		11,163				12,102
Prior		69,771				60,053
Revolving Loans		2,024				5,680
Total loans		143,185				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		5,262				10,145
2023/2022		7,989				33,720
2022/2021		28,903				21,058
2021/2020		18,073				13,708
2020/2019		11,163				12,025
Prior		69,715				56,978
Revolving Loans		1,274				5,680
Total loans		142,379				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		56				2,985
Revolving Loans		750				0
Total loans		806				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		0				90
Revolving Loans		0				0
Total loans		0				90
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		3,259				31,539
2023/2022		33,843				53,217
2022/2021		64,109				96,755
2021/2020		116,726				38,704
2020/2019		40,179				11,321
Prior		50,328				51,451
Revolving Loans		873				2,263
Total loans		309,317				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		3,259				31,539
2023/2022		33,843				53,217
2022/2021		64,109				96,755
2021/2020		116,726				38,704
2020/2019		40,179				10,517
Prior		49,548				51,451
Revolving Loans		873				2,263
Total loans		308,537				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		780				0
Revolving Loans		0				0
Total loans		780				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		7,663				3,841
2022/2021		1,363				2,151
2021/2020		2,116				605
2020/2019		592				5,955
Prior		22,998				9,005
Revolving Loans		3,913				1,082
Total loans		38,645				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		7,663				3,841
2022/2021		1,363				2,151
2021/2020		2,116				605
2020/2019		592				5,955
Prior		22,998				9,005
Revolving Loans		3,913				1,082
Total loans		38,645				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		4,874				27,497
2023/2022		32,469				41,062
2022/2021		41,099				39,937
2021/2020		33,756				26,718
2020/2019		25,784				13,055
Prior		60,589				52,290
Revolving Loans		57,592				54,087
Total loans		256,163				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		4,874				27,497
2023/2022		32,469				41,062
2022/2021		41,099				39,937
2021/2020		33,756				26,368
2020/2019		25,445				13,009
Prior		60,409				52,148
Revolving Loans		57,592				54,087
Total loans		255,644				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		0				350
2020/2019		339				46
Prior		180				142
Revolving Loans		0				0
Total loans		519				538
Commercial and Industrial Loans [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		5,432				18,248
2023/2022		13,417				21,698
2022/2021		16,147				4,300
2021/2020		3,639				1,691
2020/2019		1,247				2,192
Prior		5,055				2,075
Revolving Loans		11,698				13,908
Total loans		56,635				64,112
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		0		0
2023/2022		0		51
2022/2021		108		0
2021/2020		0		0
2020/2019		0		0
Prior		9		0
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		117		51
Commercial and Industrial Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		5,432				18,248
2023/2022		13,417				21,698
2022/2021		16,147				4,300
2021/2020		3,639				1,691
2020/2019		1,247				2,192
Prior		5,055				2,075
Revolving Loans		11,698				13,908
Total loans		56,635				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]	756		534
Consumer [Member] | Consumer Automobile [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		10,721				52,750
2023/2022		42,895				83,885
2022/2021		68,183				13,184
2021/2020		9,739				4,152
2020/2019		2,948				1,618
Prior		4,426				4,848
Revolving Loans		0				0
Total loans		138,912				160,437
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		0		0
2023/2022		151		265
2022/2021		438		142
2021/2020		131		45
2020/2019		17		18
Prior		15		49
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		752		519
Consumer [Member] | Consumer Automobile [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		10,721				52,750
2023/2022		42,895				83,885
2022/2021		68,183				13,184
2021/2020		9,739				4,152
2020/2019		2,948				1,618
Prior		4,426				4,848
Revolving Loans		0				0
Total loans		138,912				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		468				323
2023/2022		248				765
2022/2021		445				330
2021/2020		280				109
2020/2019		45				11
Prior		15,363				16,089
Revolving Loans		2,724				2,091
Total loans		19,573				19,718
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		0		0
2023/2022		0		0
2022/2021		0		5
2021/2020		0		0
2020/2019		0		3
Prior		4		7
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		4		15
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		468				323
2023/2022		248				765
2022/2021		445				330
2021/2020		280				109
2020/2019		45				11
Prior		15,363				16,089
Revolving Loans		2,724				2,091
Total loans		19,573				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		90				1,620
2023/2022		0				0
2022/2021		0				292
2021/2020		292				0
2020/2019		0				0
Prior		1,606				1,325
Revolving Loans		0				0
Total loans	[4]	1,988				3,237
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		104	[5]	147	[6]
2023/2022		0	[5]	22	[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		104	[5]	169	[6]
Demand deposit overdrafts		104		$ 147
Other [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		90				1,620
2023/2022		0				0
2022/2021		0				292
2021/2020		292				0
2020/2019		0				0
Prior		1,606				1,325
Revolving Loans		0				0
Total loans		1,988				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 fees totaled $1.1 million on June 30, 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 $394 thousand and $244 thousand at June 30, 2024 and December 31, 2023, respectively.[5] Gross charge-offs of other loans for the six months ended June 30, 2024 included $104 thousand of demand deposit overdrafts that originated in 2024. Gross charge-offs of other loans for the six months ended June 30, 2023 included $147 thousand of demand deposit overdrafts that originated in 2023.

Leases, Information About Lease

Leases, Information About Leases (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($) Lease	Dec. 31, 2023 USD ($)
Assets and Liabilities, Lessee [Abstract]
Number of new leases | Lease	0
Information about Leases [Abstract]
Lease liabilities	$ 1,032	$ 1,248
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Right-of-use assets	$ 836	$ 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 7 days	3 years 4 months 13 days
Weighted average discount rate	3.16%	3.06%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Lease cost [Abstract]
Operating lease cost	$ 206	$ 101	$ 312	$ 202
Total lease cost	206	101	312	202
Cash paid for amounts included in the measurement of lease liabilities	$ 109	$ 112	$ 217	$ 203

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Lease payments due [Abstract]
Six months ending December 31, 2024	$ 206
Twelve months ending December 31, 2025	382
Twelve months ending December 31, 2026	278
Twelve months ending December 31, 2027	208
Twelve months ending December 31, 2028	24
Total undiscounted cash flows	1,098
Discount	(66)
Lease liabilities	$ 1,032	$ 1,248

Low-Income Housing Tax Credit_2

Low-Income Housing Tax Credits (Details) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2024 USD ($) Fund	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) Fund	Jun. 30, 2023 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) Fund	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund		4		4			4
Low-income housing investment		$ 821		$ 821			$ 1,100
Additional capital calls expected		0		0
Stockholders' equity		109,996	$ 102,542	$ 109,996	$ 102,542	$ 107,630	106,778	$ 102,598	$ 98,734
Accounting Standards Update [Extensible Enumeration]				ASC 323 [Member]
Tax credits and other benefits [Abstract]
Amortization of operating losses		42	92	$ 134	184
Tax benefit of operating losses	[1]	9	19	28	39
Tax credits		78	78	155	155
Total tax benefits		87	$ 97	$ 183	$ 194
Federal income tax rate				21%
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 323 [Member]
Low-Income Housing Tax Credits [Abstract]
Stockholders' equity		$ (108)		$ (108)			$ (108)
[1]Computed using a 21

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
	Jul. 14, 2021	Jun. 30, 2024	Dec. 31, 2023
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 90,000	$ 90,000
Available credit with FHLB		391,300	362,100
Short-Term Borrowings [Abstract]
Federal funds purchased		0	0
Overnight repurchase agreements		1,381	2,383
Federal Home Loan Bank advances		19,586	9,450
Total short-term borrowings		20,967	11,833
Maximum month-end outstanding balance (year-to-date)		41,682	84,360
Average outstanding balance during the period		$ 44,106	$ 53,466
Average interest rate (year-to-date)		4.63%	4.90%
Average interest rate at end of period		5.65%	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		$ 20,000	$ 60,000
Loan maturity date		Apr. 14, 2025	Nov. 29, 2028
Interest rate		4.28%
Federal Home Loan Bank Advances [Member] | Minimum [Member]
Long-Term Borrowings [Abstract]
Interest rate			3.37%
Federal Home Loan Bank Advances [Member] | Maximum [Member]
Long-Term Borrowings [Abstract]
Interest rate			4.28%
The Notes [Member] | Subordinated Notes [Member]
Long-Term Borrowings [Abstract]
Principal amount	$ 30,000
Long term borrowings, net of issuance costs	$ 29,400
Loan maturity date		Dec. 31, 2031
Interest rate	3.50%
Fixed interest rate, period		5 years
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	us-gaap:SecuredOvernightFinancingRateSofrMember
Term of variable rate		3 months
Debt instrument, basis spread on variable rate	2.86%

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 216,841	$ 213,725
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	94,729	91,885
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	72,861	74,218
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	49,251	47,622
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 816	$ 802

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 130	$ 141	$ 205	$ 248
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)			53,660	46,989	46,989
Issued (in shares)			37,674	35,013
Vested (in shares)			(19,112)	(22,003)
Forfeited (in shares)			(4,109)	0
Nonvested balance at end of period (in shares)	68,113	59,999	68,113	59,999	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)			14.05	17.2
Vested (in dollars per share)			19.95	19.86
Forfeited (in dollars per share)			20.7	0
Non-vested balance at end of period (in dollars per share)	$ 18.51	$ 20.37	$ 18.51	$ 20.37	$ 22.32
Weighted-average remaining vesting period for recognition			1 year 11 months 4 days
Unrecognized stock-based compensation expense	$ 796		$ 796		$ 523
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)			3,865
Shares reserved for issuance (in shares)	210,488		210,488
Employee Stock Purchase Plan [Member] | Minimum [Member]
Employee Stock Purchase Plan [Abstract]
Discount from market price at date of purchase					0%
Employee Stock Purchase Plan [Member] | Maximum [Member]
Employee Stock Purchase Plan [Abstract]
Discount from market price at date of purchase					15%
Incentive Stock Plan [Member]
Incentive Stock Plan [Abstract]
Shares available for grant (in shares)	300,000		300,000

Stockholders' Equity and Earn_3

Stockholders' Equity and Earnings per Common Share, Amounts Reclassified Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Sale of Securities [Abstract]
Realized loss on sale of securities	$ 0	$ (164)	$ 0	$ (164)
Tax effect	0	34	0	34
Total	$ 0	$ (130)	$ 0	$ (130)

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Stockholders Equity Note [Abstract]
Beginning Balance	$ 107,630	$ 102,598	$ 106,778	$ 98,734
Ending Balance	109,996	102,542	109,996	102,542
Other comprehensive income (Loss), pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax	633	(1,838)	294	1,114
Reclassification adjustment for losses recognized in income, pretax	0	164	0	164
Total change in accumulated other comprehensive loss net, pretax	633	(1,674)	294	1,278
Other Comprehensive Income (Loss), Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	(133)	386	(62)	(234)
Reclassification adjustment for losses recognized in income, tax effect	0	(34)	0	(34)
Total change in accumulated other comprehensive loss, net	(133)	352	(62)	(268)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Unrealized holding gains (losses) arising during the period	500	(1,452)	232	880
Reclassification adjustment for losses recognized in income, net of tax	0	130	0	130
Other comprehensive income (loss), net of tax	500	(1,322)	232	1,010
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(17,798)	(18,435)	(17,530)	(20,767)
Net other comprehensive loss (income)	500	(1,322)	232	1,010
Ending Balance	(17,298)	(19,757)	(17,298)	(19,757)
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(17,798)	(18,435)	(17,530)	(20,767)
Net other comprehensive loss (income)	500	(1,322)	232	1,010
Ending Balance	(17,298)	(19,757)	(17,298)	(19,757)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Other comprehensive income (loss), net of tax	$ 500	$ (1,322)	$ 232	$ 1,010

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	0	0	0

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details)	Jun. 30, 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	$ 192,127,000	$ 202,231,000
Loans held for sale		470,000
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,851,000	3,857,000
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	36,762,000	42,735,000
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	50,226,000	50,597,000
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	77,306,000	81,307,000
Interest Rate Locks [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,724,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,724,000	1,249,000
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	192,127,000	202,231,000
Loans held for sale		470,000
Derivatives [Abstract]
Total assets	193,851,000	203,960,000
Derivative [Abstract]
Total liabilities	1,724,000	1,249,000
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,851,000	3,857,000
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	36,762,000	42,735,000
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	50,226,000	50,597,000
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	77,306,000	81,307,000
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	23,982,000	23,735,000
Recurring [Member] | Interest Rate Locks [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,724,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,724,000	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 Locks [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] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 1 [Member] | Recurring [Member] | Interest Rate Locks [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	192,127,000	202,231,000
Loans held for sale		470,000
Level 2 [Member] | Interest Rate Locks [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Level 2 [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,724,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,724,000	1,249,000
Level 2 [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	192,127,000	202,231,000
Loans held for sale	0	470,000
Derivatives [Abstract]
Total assets	193,851,000	203,960,000
Derivative [Abstract]
Total liabilities	1,724,000	1,249,000
Level 2 [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,851,000	3,857,000
Level 2 [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	36,762,000	42,735,000
Level 2 [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	50,226,000	50,597,000
Level 2 [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	77,306,000	81,307,000
Level 2 [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	23,982,000	23,735,000
Level 2 [Member] | Recurring [Member] | Interest Rate Locks [Member]
Derivatives [Abstract]
Derivative Assets	0	10,000
Level 2 [Member] | Recurring [Member] | Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	1,724,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	1,724,000	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 Locks [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] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	0	0
Level 3 [Member] | Recurring [Member] | Interest Rate Locks [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	Jun. 30, 2024	Dec. 31, 2023
Assets [Abstract]
Cash and cash equivalents	$ 92,745	$ 78,759
Securities available-for-sale, at fair value	192,127	202,231
Restricted securities	3,825	5,176
Loans held for sale		470
Loans, net	1,042,774	1,068,046
Bank owned life insurance	35,623	35,088
Accrued interest receivable	4,873	4,921
Liabilities [Abstract]
Deposits	1,236,575	1,230,397
Overnight repurchase agreements	1,381	2,383
Federal Home Loan Bank advances	39,586
Federal Reserve Bank borrowings		69,450
Subordinated notes	29,733	29,668
Accrued interest payable	2,028	1,972
Interest Rate Locks [Member]
Assets [Abstract]
Derivatives		10
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,724	1,249
Liabilities [Abstract]
Derivative	1,724	1,249
Level 1 [Member]
Assets [Abstract]
Cash and cash equivalents	92,745	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 Locks [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	192,127	202,231
Restricted securities	3,825	5,176
Loans held for sale		470
Loans, net	0	0
Bank owned life insurance	35,623	35,088
Accrued interest receivable	4,873	4,921
Liabilities [Abstract]
Deposits	1,234,452	1,228,477
Overnight repurchase agreements	1,381	2,383
Federal Home Loan Bank advances	39,586
Federal Reserve Bank borrowings		69,450
Subordinated notes	25,786	25,561
Accrued interest payable	2,028	1,972
Level 2 [Member] | Interest Rate Locks [Member]
Assets [Abstract]
Derivatives		10
Level 2 [Member] | Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	1,724	1,249
Liabilities [Abstract]
Derivative	1,724	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	984,390	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 Locks [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		6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) Segment	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment			3
Revenues [Abstract]
Interest and dividend income	$ 18,118	$ 16,347	$ 35,501	$ 31,500
Total operating income	21,589	19,824	42,194	38,398
Expenses [Abstract]
Interest expense	6,002	4,248	11,845	6,588
Provision for credit losses	261	361	341	737
Salaries and employee benefits	7,195	8,043	15,026	15,406
Other expenses	5,129	5,104	10,001	9,909
Total operating expenses	18,587	17,756	37,213	32,640
Income (loss) before taxes	3,002	2,068	4,981	5,758
Income tax expense (benefit)	473	266	735	873
Net income (loss)	2,529	1,802	4,246	4,885
Capital expenditures	1,152	357	1,951	487
Total assets	1,423,354		1,423,354		$ 1,446,382
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,129	1,154	2,321	2,270
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,342	2,323	4,372	4,628
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	18,069	16,312	35,410	31,433
Total operating income	20,227	18,451	39,402	35,638
Expenses [Abstract]
Interest expense	5,707	3,953	11,255	5,998
Provision for credit losses	261	361	341	737
Salaries and employee benefits	6,159	6,745	12,800	12,830
Other expenses	4,720	4,648	9,205	9,129
Total operating expenses	16,847	15,707	33,601	28,694
Income (loss) before taxes	3,380	2,744	5,801	6,944
Income tax expense (benefit)	552	406	905	1,119
Net income (loss)	2,828	2,338	4,896	5,825
Capital expenditures	1,152	357	1,951	487
Total assets	1,414,168		1,414,168		1,437,603
Operating Segments [Member] | Bank [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Bank [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,158	2,139	3,992	4,205
Operating Segments [Member] | Wealth [Member]
Revenues [Abstract]
Interest and dividend income	49	35	91	67
Total operating income	1,464	1,389	2,934	2,791
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	887	1,099	1,911	2,173
Other expenses	337	341	735	645
Total operating expenses	1,224	1,440	2,646	2,818
Income (loss) before taxes	240	(51)	288	(27)
Income tax expense (benefit)	51	(9)	63	(3)
Net income (loss)	189	(42)	225	(24)
Capital expenditures	0	0	0	0
Total assets	7,481		7,481		7,235
Operating Segments [Member] | Wealth [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,179	1,154	2,396	2,270
Operating Segments [Member] | Wealth [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	236	200	447	454
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	4,321	2,296	5,121	5,801
Total operating income	4,371	2,346	5,221	5,901
Expenses [Abstract]
Interest expense	295	295	590	590
Provision for credit losses	0	0	0	0
Salaries and employee benefits	199	199	390	403
Other expenses	174	181	228	266
Total operating expenses	668	675	1,208	1,259
Income (loss) before taxes	3,703	1,671	4,013	4,642
Income tax expense (benefit)	(130)	(131)	(233)	(243)
Net income (loss)	3,833	1,802	4,246	4,885
Capital expenditures	0	0	0	0
Total assets	140,287		140,287		137,004
Operating Segments [Member] | Parent [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	0	0	0	0
Operating Segments [Member] | Parent [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	50	50	100	100
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(4,321)	(2,296)	(5,121)	(5,801)
Total operating income	(4,473)	(2,362)	(5,363)	(5,932)
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	(50)	0	(75)	0
Other expenses	(102)	(66)	(167)	(131)
Total operating expenses	(152)	(66)	(242)	(131)
Income (loss) before taxes	(4,321)	(2,296)	(5,121)	(5,801)
Income tax expense (benefit)	0	0	0	0
Net income (loss)	(4,321)	(2,296)	(5,121)	(5,801)
Capital expenditures	0	0	0	0
Total assets	(138,582)		(138,582)		$ (135,460)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	(50)	0	(75)	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (102)	$ (66)	$ (167)	$ (131)