Old Point Financial (OPOF) 10-Q 12 Nov 24 2024 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2024	Nov. 07, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Document Transition Report	false
Entity File Number	000-12896
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	0000740971
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1265373
Entity Address, Address Line One	101 East Queen Street
Entity Address, City or Town	Hampton
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	23669
City Area Code	757
Local Phone Number	728-1200
Title of 12(b) Security	Common Stock, $5.00 par value per share
Trading Symbol	OPOF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,077,695

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 20,582	$ 16,778
Interest-bearing due from banks		155,708	63,539
Federal funds sold		565	489
Cash and cash equivalents		176,855	80,806
Securities available-for-sale, at fair value		193,840	202,231
Restricted securities, at cost		3,845	5,176
Loans held for sale		0	470
Loans, net	[1]	1,014,012	1,068,046
Premises and equipment, net		30,411	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		35,909	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		154	187
Repossessed assets		1,701	215
Other assets		19,288	22,256
Total assets		1,478,009	1,446,382
Deposits:
Noninterest-bearing deposits		353,118	331,992
Savings deposits		665,848	655,694
Time deposits		263,820	242,711
Total deposits		1,282,786	1,230,397
Overnight repurchase agreements		1,777	2,383
Federal Home Loan Bank advances		40,000	69,450
Subordinated notes, net		29,766	29,668
Accrued expenses and other liabilities		8,223	7,706
Total liabilities		1,362,552	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,077,695 and 5,040,095 shares outstanding (includes 66,464 and 53,660 of nonvested restricted stock, respectively)		25,056	24,932
Additional paid-in capital		17,402	17,099
Retained earnings		86,323	82,277
Accumulated other comprehensive loss, net		(13,324)	(17,530)
Total stockholders' equity		115,457	106,778
Total liabilities and stockholders' equity		$ 1,478,009	$ 1,446,382
[1]Net deferred loan fees totaled $1.0 million on September 30, 2024 and $1.2 million on  December 31, 2023.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 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)	5,077,695	5,040,095
Restricted Stock [Member]
Stockholders' equity:
Nonvested restricted stock (in shares)	66,464	53,660

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Loans, including fees	$ 14,733	$ 14,311	$ 44,319	$ 41,537
Due from banks	1,842	838	3,728	995
Federal funds sold	11	9	32	24
Securities:
Taxable	1,732	1,788	5,291	5,324
Tax-exempt	138	159	416	580
Dividends and interest on all other securities	64	84	235	229
Total interest and dividend income	18,520	17,189	54,021	48,689
Interest expense:
Checking and savings deposits	2,940	2,060	8,236	4,483
Time deposits	2,554	2,456	7,063	4,412
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	0	0	2	39
Federal Home Loan Bank advances	420	952	1,868	2,532
Long-term borrowings	296	295	886	885
Total interest expense	6,210	5,763	18,055	12,351
Net interest income	12,310	11,426	35,966	36,338
Provision for credit losses	282	505	623	1,242
Net interest income after provision for credit losses	12,028	10,921	35,343	35,096
Noninterest income:
Bank-owned life insurance income	285	263	820	776
Mortgage banking income (loss)	(2)	144	16	351
Gain (loss) on sale of available-for-sale securities, net	0	30	0	(134)
Loss on sale of repossessed assets	(25)	0	(61)	(69)
Gain on sale of fixed assets	0	0	0	200
Total noninterest income	3,472	3,482	10,165	10,380
Noninterest expense:
Salaries and employee benefits	7,382	7,830	22,408	23,236
Occupancy and equipment	1,242	1,241	3,788	3,691
Data processing	1,304	1,300	4,012	3,743
Customer development	113	159	344	373
Professional services	966	636	2,231	2,065
Employee professional development	191	257	569	780
Other taxes	268	251	805	698
Other operating expenses	928	1,207	3,264	3,610
Total noninterest expense	12,394	12,881	37,421	38,196
Income before income taxes	3,106	1,522	8,087	7,280
Income tax expense	724	160	1,459	1,033
Net income	$ 2,382	$ 1,362	$ 6,628	$ 6,247
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,076,957	5,037,558	5,060,440	5,020,269
Net income per share of common stock (in dollars per share)	$ 0.47	$ 0.27	$ 1.31	$ 1.24
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,076,957	5,037,662	5,060,505	5,020,447
Net income per share of common stock (in dollars per share)	$ 0.47	$ 0.27	$ 1.31	$ 1.24
Fiduciary and Asset Management Fees [Member]
Noninterest income:
Noninterest revenue	$ 1,126	$ 1,012	$ 3,447	$ 3,282
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest revenue	858	751	2,453	2,297
Other Service Charges, Commissions and Fees [Member]
Noninterest income:
Noninterest revenue	1,070	1,119	3,103	3,255
Other Operating Income [Member]
Noninterest income:
Noninterest revenue	$ 160	$ 163	$ 387	$ 422

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net income	$ 2,382	$ 1,362	$ 6,628	$ 6,247
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	3,974	(3,859)	4,206	(2,979)
Reclassification for (gain) loss included in net income	0	(24)	0	106
Other comprehensive income (loss), net of tax	3,974	(3,883)	4,206	(2,873)
Comprehensive income (loss)	$ 6,356	$ (2,521)	$ 10,834	$ 3,374

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		6,247		0		6,247
Other comprehensive (loss) income, net of tax	0		0		0		(2,873)		(2,873)
Employee Stock Purchase Plan share issuance	$ 27		74		0		0		101
Employee Stock Purchase Plan share issuance (in shares)	5,453
Restricted stock vested	$ 129		(129)		0		0		0
Restricted stock vested (in shares)	25,926
Share-based compensation expense	$ 0		419		0		0		419
Cash dividends	0		0		(2,111)		0		(2,111)
Ending Balance at Sep. 30, 2023	$ 24,917		16,957		81,292		(23,640)		99,526
Ending Balance (in shares) at Sep. 30, 2023	4,983,473
Beginning Balance at Jun. 30, 2023	$ 24,886		16,777		80,636		(19,757)		102,542
Beginning Balance (in shares) at Jun. 30, 2023	4,977,276
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0		0		1,362		0		1,362
Other comprehensive (loss) income, net of tax	0		0		0		(3,883)		(3,883)
Employee Stock Purchase Plan share issuance	$ 12		28		0		0		40
Employee Stock Purchase Plan share issuance (in shares)	2,274
Restricted stock vested	$ 19		(19)		0		0		0
Restricted stock vested (in shares)	3,923
Share-based compensation expense	$ 0		171		0		0		171
Cash dividends	0		0		(706)		0		(706)
Ending Balance at Sep. 30, 2023	$ 24,917		16,957		81,292		(23,640)		99,526
Ending Balance (in shares) at Sep. 30, 2023	4,983,473
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		$ (455)		0		(455)
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		6,628		0		$ 6,628
Other comprehensive (loss) income, net of tax	0		0		0		4,206		4,206
Employee Stock Purchase Plan share issuance	$ 28		64		0		0		92
Employee Stock Purchase Plan share issuance (in shares)	5,684
Restricted stock vested	$ 96		(96)		0		0		0
Restricted stock vested (in shares)	19,112
Share-based compensation expense	$ 0		335		0		0		335
Cash dividends	0		0		(2,127)		0		(2,127)
Ending Balance at Sep. 30, 2024	$ 25,056		17,402		86,323		(13,324)		$ 115,457
Ending Balance (ASC 323 [Member]) at Sep. 30, 2024										455
Ending Balance (in shares) at Sep. 30, 2024	5,011,231								5,077,695
Beginning Balance at Jun. 30, 2024	$ 25,047		17,248		84,999		(17,298)		$ 109,996
Beginning Balance (ASC 323 [Member]) at Jun. 30, 2024		$ 0		$ 0		$ (347)		$ 0		(347)
Beginning Balance (in shares) at Jun. 30, 2024	5,009,412
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration] | ASC 323 [Member]						ASC 326 [Member]
Net income	$ 0		0		2,382		0		2,382
Other comprehensive (loss) income, net of tax	0		0		0		3,974		3,974
Employee Stock Purchase Plan share issuance	$ 9		24		0		0		33
Employee Stock Purchase Plan share issuance (in shares)	1,819
Share-based compensation expense	$ 0		130		0		0		130
Cash dividends	0		0		(711)		0		(711)
Ending Balance at Sep. 30, 2024	$ 25,056		$ 17,402		$ 86,323		$ (13,324)		$ 115,457
Ending Balance (ASC 323 [Member]) at Sep. 30, 2024										$ 455
Ending Balance (in shares) at Sep. 30, 2024	5,011,231								5,077,695

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.14	$ 0.14	$ 0.42	$ 0.42

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating activities:
Net income	$ 6,628	$ 6,247
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,617	1,631
Amortization of right of use lease assets	403	333
Accretion related to acquisition, net	33	33
Amortization of subordinated debt issuance costs	98	98
Provision for credit losses	623	1,242
Loss on sale of securities, net	0	134
Net amortization of securities	425	564
Decrease in loans held for sale, net	470	129
Net gain on disposal of premises and equipment	0	(200)
Net loss on write-down/sale of repossessed assets	61	69
Income from bank owned life insurance	(820)	(776)
Stock compensation expense	335	419
Increase (decrease) in other assets	930	(2,635)
Increase in accrued expenses and other liabilities	505	704
Net cash provided by operating activities	11,308	7,992
Investing activities:
Purchases of available-for-sale securities	(2,100)	(11,733)
Proceeds from redemption (cash used in purchases) of restricted securities, net	1,331	(681)
Proceeds from maturities and paydowns of available-for-sale securities	1,170	200
Proceeds from sales of available-for-sale securities	0	19,821
Paydowns on available-for-sale securities	14,220	11,308
Net decrease (increase) in loans held for investment	51,937	(56,267)
Purchases of premises and equipment	(2,115)	(885)
Proceeds from sale of premises and equipment	0	839
Net cash provided by (used in) investing activities	64,443	(37,398)
Financing activities:
Increase (decrease) in noninterest-bearing deposits	21,126	(70,266)
Increase in savings deposits	10,154	35,272
Increase in time deposits	21,109	116,583
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(606)	(15,042)
Increase in Federal Home Loan Bank advances	104,336	347,850
Repayment of Federal Home Loan Bank advances	(133,786)	(324,500)
Proceeds from Employee Stock Purchase Plan issuance	92	101
Cash dividends paid on common stock	(2,127)	(2,111)
Net cash provided by financing activities	20,298	87,887
Net increase in cash and cash equivalents	96,049	58,481
Cash and cash equivalents at beginning of period	80,806	21,066
Cash and cash equivalents at end of period	176,855	79,547
Cash payments for:
Interest	17,941	11,399
Income tax	200	2,101
Supplemental schedule of noncash transactions
Unrealized gain (loss) on securities available-for-sale	5,324	(3,636)
Loans transferred to repossessed assets	1,547	0
Impact of adoption of new accounting pronouncements	$ 455	$ 991

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	9 Months Ended
	Sep. 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 13 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 September 30, 2024 and December 31, 2023, the statements of income, comprehensive income (loss), and changes in stockholders’ equity for the three and nine months ended September 30, 2024 and 2023, and the statements of cash flows for the nine months ended September 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 prior year's net income or total equity. Recent Accounting Pronouncements 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. In November 2023, FASB issued ASU 2023-07, “Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures.” The amendments in this ASU are intended to improve reportable segment disclosure requirements primarily through enhanced disclosures about significant segment expenses. This ASU requires disclosure of significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”), an amount for other segment items by reportable segment and a description of its composition, all annual disclosures about a reportable segment profit or loss and assets currently required by FASB ASU Topic 280 to be made in interim periods, and the title and position of the CODM and how the CODM uses the reported measures. Additionally, this ASU requires that at least one of the reported segment profit and loss measures should be the measure that is most consistent with the measurement principles used in an entity’s consolidated financial statements. This ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The amendments are to be applied retrospectively to all prior periods presented. The Company does not expect the adoption of ASU 2023-07 to have a material impact on its consolidated financial statements. In November 2024, FASB issued ASU 2024-03, “Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” ASU 2024-03 requires public companies to disclose, in the notes to the financial statements, specific information about certain costs and expenses at each interim and annual reporting period. This includes disclosing amounts related to employee compensation, depreciation, and intangible asset amortization. In addition, public companies will need to provide qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. ASU 2024-03 is effective for public business entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Implementation of ASU 2024-03 may be applied prospectively or retrospectively. The Company does not expect the adoption of ASU 2024-03 to have a material impact 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	9 Months Ended
	Sep. 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: September 30, 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,044 $ - $ (111 ) $ 3,933 Obligations of U.S. Government agencies 33,887 235 (288 ) 33,834 Obligations of state and political subdivisions 57,814 16 (6,180 ) 51,650 Mortgage-backed securities 85,961 121 (7,688 ) 78,394 Corporate bonds and other securities 29,000 - (2,971 ) 26,029 $ 210,706 $ 372 $ (17,238 ) $ 193,840 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 September 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. September 30, 2024 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,501 $ 1,485 Due after one year through five years 19,984 19,053 Due after five through ten years 55,659 49,844 Due after ten years 133,562 123,458 $ 210,706 $ 193,840 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 nine months ended September 30, 2024 and 2023, respectively. Three Months Ended Nine Months Ended September 30, September 30, (dollars in thousands) 2024 2023 2024 2023 Realized gains on sales of securities $ - $ 1,061 $ - $ 1,061 Realized losses on sales of securities - (1,031 ) - (1,195 ) Net realized gain (loss) $ - $ 30 $ - $ (134 ) The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an ACL has not been recorded as of September 30, 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: September 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 $ - $ - $ 111 $ 3,933 $ 111 $ 3,933 1 Obligations of U.S. Government agencies 7 2,003 281 17,190 288 19,193 32 Obligations of state and political subdivisions - - 6,180 50,646 6,180 50,646 42 Mortgage-backed securities 1 1,101 7,687 73,892 7,688 74,993 40 Corporate bonds and other securities 207 2,293 2,764 23,736 2,971 26,029 25 Total securities available-for-sale $ 215 $ 5,397 $ 17,023 $ 169,397 $ 17,238 $ 174,794 140 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 September 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 September 30, 2024 and no impairment has been recognized.

Loans and the Allowance for Cre

Loans and the Allowance for Credit Losses on Loans	9 Months Ended
	Sep. 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: September 30, December 31, (dollars in thousands) 2024 2023 Mortgage loans on real estate: Residential 1-4 family $ 183,091 $ 188,517 Commercial - owner occupied 133,991 156,466 Commercial - non-owner occupied 304,331 285,250 Multifamily 39,232 29,207 Construction and land development 90,555 107,179 Second mortgages 10,428 10,148 Equity lines of credit 59,901 55,981 Total mortgage loans on real estate 821,529 832,748 Commercial and industrial loans 51,947 64,112 Consumer automobile loans 130,210 160,437 Other consumer loans 18,500 19,718 Other (1) 3,526 3,237 Total loans, net of deferred fees (2) 1,025,712 1,080,252 Less: Allowance for credit losses on loans 11,700 12,206 Loans, net of allowance and deferred fees (2) $ 1,014,012 $ 1,068,046 (1) Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $425 thousand and $244 thousand at September 30, 2024 and December 31, 2023, respectively. (2) Net deferred loan fees totaled $1.0 million on September 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 September 30, 2024 and December 31, 2023. Age Analysis of Past Due Loans as of September 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 $ - $ - $ - $ 41 $ 183,050 $ 183,091 Commercial - owner occupied - - 374 - 133,617 133,991 Commercial - non-owner occupied 11,751 185 - - 292,395 304,331 Multifamily - - - - 39,232 39,232 Construction and land development - - - - 90,555 90,555 Second mortgages - - 19 - 10,409 10,428 Equity lines of credit 117 99 - 44 59,641 59,901 Total mortgage loans on real estate $ 11,868 $ 284 $ 393 $ 85 $ 808,899 $ 821,529 Commercial and industrial loans 724 749 86 - 50,388 51,947 Consumer automobile loans 2,355 466 336 - 127,053 130,210 Other consumer loans 37 286 94 - 18,083 18,500 Other 28 6 - - 3,492 3,526 Total $ 15,012 $ 1,791 $ 909 $ 85 $ 1,007,915 $ 1,025,712 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 September 30, 2024 and December 31, 2023. Nonaccrual Nonaccrual with no ACLL (dollars in thousands) September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Mortgage loans on real estate: Residential 1-4 family $ 41 $ 142 $ 41 $ - Commercial - non-owner occupied - - - - Second mortgages - - - - Equity lines of credit 44 46 - - Total mortgage loans on real estate 85 188 41 - Commercial and industrial loans - - - - Consumer automobile loans - - - - Other consumer loans - - - - Total $ 85 $ 188 41 - 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 nine months ended September 30, 2024 and September 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 nine months ended September 30, 2024 and September 30, 2023. Allowance for Credit Losses and Recorded Investment in Loans For the Nine Months Ended September 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 (163 ) - - - (1,198 ) (165 ) - (1,526 ) Recoveries 8 - 26 12 324 39 - 409 Provision for (recovery of) loan losses 24 (129 ) (29 ) (160 ) 729 176 - 611 Ending Balance $ 442 $ 853 $ 2,901 $ 5,594 $ 1,682 $ 228 $ - $ 11,700 For the Nine Months Ended September 30, 2023 (dollars in thousands) Commercial and Industrial Real Estate Construction and Land Development Real Estate - Mortgage (1) Real Estate - Commercial (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 (159 ) - - - (813 ) (228 ) - (1,200 ) Recoveries 64 - 28 - 393 41 - 526 Provision for (recovery of) loan losses 78 258 192 244 270 315 (6 ) 1,351 Ending Balance $ 645 $ 829 $ 2,882 $ 5,791 $ 1,550 $ 147 $ - $ 11,844 (1) The real estate-mortgage segment included residential 1-4 family, multi-family, second mortgages and equity lines of credit. (2) The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied. (3) The consumer segment included consumer automobile loans. The following table presents a breakdown of the provision for credit losses for the periods indicated. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Provision for credit losses: Provision for loans $ 342 $ 478 $ 611 $ 1,351 Provision for (recovery of) unfunded commitments (60 ) 27 12 (109 ) Total $ 282 $ 505 $ 623 $ 1,242 Credit Quality Indicators Credit quality indicators are utilized to help estimate the collectability of each loan. Consumer loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. While other credit quality indicators are evaluated and analyzed as part of the Company’s credit risk management activities, the Company uses internally-assigned risk grades as the primary indicator to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company’s internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company’s internally assigned risk grades are as follows: • Pass: Loans are of acceptable risk. • Other Assets Especially Mentioned (OAEM): Loans have potential weaknesses that deserve management’s close attention. • Substandard: Loans reflect significant deficiencies due to several adverse trends of a financial, economic, or managerial nature. • Doubtful: Loans have all the weaknesses inherent in a substandard loan with added characteristics that make collection or liquidation in full based on currently existing facts, conditions, and values highly questionable or improbable. • Loss: Loans have been identified for charge-off because they are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated: September 30, 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 $ 23,765 $ 33,523 $ 28,783 $ 1,503 $ 1,803 $ 292 $ 886 $ 90,555 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 23,765 $ 33,523 $ 28,783 $ 1,503 $ 1,803 $ 292 $ 886 $ 90,555 Commercial real estate - owner occupied Pass $ 7,238 $ 9,427 $ 27,689 $ 20,510 $ 11,002 $ 57,394 $ 725 $ 133,985 OAEM - - - - - 6 - 6 Substandard - - - - - - - - Total commercial real estate - owner occupied $ 7,238 $ 9,427 $ 27,689 $ 20,510 $ 11,002 $ 57,400 $ 725 $ 133,991 Commercial real estate - non-owner occupied Pass $ 3,218 $ 33,721 $ 66,168 $ 102,785 $ 39,557 $ 45,934 $ 424 $ 291,807 OAEM - - - 11,751 - 773 - 12,524 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 3,218 $ 33,721 $ 66,168 $ 114,536 $ 39,557 $ 46,707 $ 424 $ 304,331 Commercial and industrial Pass $ 4,079 $ 13,956 $ 14,307 $ 3,322 $ 1,095 $ 5,681 $ 9,507 $ 51,947 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 4,079 $ 13,956 $ 14,307 $ 3,322 $ 1,095 $ 5,681 $ 9,507 $ 51,947 Multifamily real estate Pass $ - $ 7,625 $ 1,352 $ 2,099 $ 586 $ 22,664 $ 4,906 $ 39,232 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ - $ 7,625 $ 1,352 $ 2,099 $ 586 $ 22,664 $ 4,906 $ 39,232 Residential 1-4 family Pass $ 7,352 $ 34,061 $ 39,474 $ 33,339 $ 25,554 $ 56,135 $ 57,461 $ 253,376 OAEM - - - - - - - - Substandard - - - - - 44 - 44 Total residential 1-4 family $ 7,352 $ 34,061 $ 39,474 $ 33,339 $ 25,554 $ 56,179 $ 57,461 $ 253,420 Consumer - automobile Pass $ 17,086 $ 37,825 $ 60,537 $ 8,477 $ 2,423 $ 3,862 $ - $ 130,210 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 17,086 $ 37,825 $ 60,537 $ 8,477 $ 2,423 $ 3,862 $ - $ 130,210 Consumer - other Pass $ 1,005 $ 220 $ 375 $ 257 $ 38 $ 14,638 $ 1,967 $ 18,500 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 1,005 $ 220 $ 375 $ 257 $ 38 $ 14,638 $ 1,967 $ 18,500 Other Pass $ 2,259 $ - $ - $ 274 $ - $ 993 $ - $ 3,526 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 2,259 $ - $ - $ 274 $ - $ 993 $ - $ 3,526 Total loans Pass $ 66,002 $ 170,358 $ 238,685 $ 172,566 $ 82,058 $ 207,593 $ 75,876 $ 1,013,138 OAEM - - - 11,751 - 779 - 12,530 Substandard - - - - - 44 - 44 Total loans $ 66,002 $ 170,358 $ 238,685 $ 184,317 $ 82,058 $ 208,416 $ 75,876 $ 1,025,712 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 nine months ended September 30, 2024 and September 30, 2023: September 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 $ 28 $ 18 $ 108 $ - $ - $ 9 $ - $ 163 Consumer - automobile - 312 655 160 34 28 - 1,189 Consumer - other - - - - - 9 - 9 Other (1) 165 - - - - - - 165 Total $ 193 $ 330 $ 763 $ 160 $ 34 $ 46 $ - $ 1,526 (1) Gross charge-offs of other loans for the nine months ended September 30, 2024 included $165 thousand of demand deposit overdrafts that originated in 2024. September 30, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial $ - $ 140 $ 15 $ 4 $ - $ - $ - $ 159 Consumer - automobile 9 382 267 68 18 51 - 795 Consumer - other - - 5 - 3 10 - 18 Other (1) 206 22 - - - - - 228 Total $ 215 $ 544 $ 287 $ 72 $ 21 $ 61 $ - $ 1,200 (1) Gross charge-offs of other loans for the nine months ended September 30, 2023 included $206 thousand of demand deposit overdrafts that originated in 2023. As of September 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	9 Months Ended
	Sep. 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) September 30,2024 December 31, 2023 Lease liabilities $ 937 $ 1,248 Right-of-use assets $ 745 $ 1,148 Weighted average remaining lease term 2.81 years 3.37 years Weighted average discount rate 3.20 % 3.06 % Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Operating lease cost $ 91 $ 131 $ 403 $ 333 Total lease cost $ 91 $ 131 $ 403 $ 333 Cash paid for amounts included in the measurement of lease liabilities $ 103 $ 108 $ 320 $ 311 A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: As of (dollars in thousands) September 30, 2024 Three months ending December 31, 2024 $ 103 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 $ 995 Discount (58 ) Lease liabilities $ 937

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	9 Months Ended
	Sep. 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 September 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 $754 thousand and $1.1 million at September 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 September 30, 2024. During 2024, the Company adopted ASU 2023-02

Borrowings

Borrowings	9 Months Ended
	Sep. 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 September 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 $384.3 million and $362.1 million as of September 30, 2024 and December 31, 2023, respectively. The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) September 30, 2024 December 31, 2023 Overnight repurchase agreements $ 1,777 $ 2,383 Federal Home Loan Bank advances - 9,450 Total short-term borrowings $ 1,777 $ 11,833 Maximum month-end outstanding balance (year-to-date) $ 41,682 $ 84,360 Average outstanding balance during the period $ 44,432 $ 53,466 Average interest rate (year-to-date) 4.49 % 4.90 % Average interest rate at end of period 0.01 % 5.65 % Long-Term Borrowings The Company had long-term FHLB advances totaling $40.0 million outstanding at September 30, 2024 with scheduled maturities through July 9, 2029 and rates ranging from 3.69% to 4.33%. 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	9 Months Ended
	Sep. 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 September 30, 2024 and December 31, 2023 were as follows: September 30, December 31, (dollars in thousands) 2024 2023 Commitments to extend credit: Home equity lines of credit $ 93,266 $ 91,885 Commercial real estate, construction and development loans committed but not funded 50,862 74,218 Other lines of credit (principally commercial) 46,273 47,622 Total $ 190,401 $ 213,725 Letters of credit $ 2,693 $ 802

Share-Based Compensation

Share-Based Compensation	9 Months Ended
	Sep. 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 the year ended December 31, 2023 and for the first nine months of 2024. Total stock purchases under the ESPP amounted to 5,684 shares during the nine months ended September 30, 2024. At September 30, 2024, the Company had 208,669 remaining shares reserved for issuance under the ESPP. Incentive Stock Plan The Incentive Stock Plan permits the issuance of up to 300,000 shares of common stock for awards to key employees and non-employee directors of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock appreciation rights, stock awards and performance units. As of September 30, 2024, only restricted stock had been granted under the Incentive Stock Plan. Restricted stock activity for the nine months ended September 30, 2024 and September 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 (5,758 ) 18.79 Nonvested, September 30, 2024 66,464 $ 18.62 Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2022 46,989 $ 22.49 Issued 35,013 17.20 Vested (25,926 ) 20.25 Forfeited (1,483 ) 17.20 Nonvested, September 30 54,593 $ 20.30 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is 1.66 years. The remaining unrecognized compensation expense for nonvested restricted stock shares totaled $643 thousand as of September 30, 2024 and $523 thousand as of December 31, 2023. Stock-based compensation expense was $130 thousand and $171 thousand for the three months ended September 30, 2024 and 2023, respectively, and $335 thousand and $419 thousand for the nine months ended September 30, 2024 and 2023, respectively.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	9 Months Ended
	Sep. 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 Income (Loss) The following tables present amounts reclassified out of accumulated other comprehensive income (loss), by category, during the three and nine months ended September 30, 2024 and 2023, respectively. Three Months Ended Nine Months Ended September 30, September 30, Affected Line Item on (dollars in thousands) 2024 2023 2024 2023 Sale of securities Realized gain (loss) on sale of securities $ - $ 30 $ - $ (134 ) Loss on sale of securities, net Tax effect - (6 ) - 28 Income tax expense $ - $ 24 $ - $ (106 ) 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 September 30 2024 Balance at beginning of period $ (17,298 ) $ (17,298 ) Net other comprehensive income 3,974 3,974 Balance at end of period $ (13,324 ) $ (13,324 ) Three Months Ended September 30 2023 Balance at beginning of period $ (19,757 ) $ (19,757 ) Net other comprehensive loss (3,883 ) (3,883 ) Balance at end of period $ (23,640 ) $ (23,640 ) (dollars in thousands) Unrealized Gains (Losses) on Available- for-Sale Securities Accumulated Other Comprehensive (Loss) Income Nine September 30 2024 Balance at beginning of period $ (17,530 ) $ (17,530 ) Net other comprehensive income 4,206 4,206 Balance at end of period $ (13,324 ) $ (13,324 ) Nine September 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive loss (2,873 ) (2,873 ) Balance at end of period $ (23,640 ) $ (23,640 ) The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended September 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 5,030 $ (1,056 ) $ 3,974 Total change in accumulated other comprehensive loss, net $ 5,030 $ (1,056 ) $ 3,974 Three Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (4,885 ) $ 1,026 $ (3,859 ) Reclassification adjustment for gains recognized in income (30 ) 6 (24 ) (4,915 ) 1,032 (3,883 ) Total change in accumulated other comprehensive loss, net $ (4,915 ) $ 1,032 $ (3,883 ) Nine Months Ended September 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 5,324 $ (1,118 ) $ 4,206 Total change in accumulated other comprehensive loss, net $ 5,324 $ (1,118 ) $ 4,206 Nine Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,771 ) $ 792 $ (2,979 ) Reclassification adjustment for losses recognized in income 134 (28 ) 106 (3,637 ) 764 (2,873 ) Total change in accumulated other comprehensive loss, net $ (3,637 ) $ 764 $ (2,873 ) Earnings Per Common Share Basic EPS is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the weighted average number of common shares outstanding during the period, including the effect of potentially dilutive common shares attributable to the ESPP. The Company had no antidilutive shares outstanding in the three and nine months ended September 30, 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	9 Months Ended
	Sep. 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 September 30, 2024 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,933 $ - $ 3,933 $ - Obligations of U.S. Government agencies 33,834 - 33,834 - Obligations of state and political subdivisions 51,650 - 51,650 - Mortgage-backed securities 78,394 - 78,394 - Corporate bonds and other securities 26,029 - 26,029 - Total available-for-sale securities 193,840 - 193,840 - Derivatives Interest rate swap on loans 988 - 988 - Total assets $ 194,828 $ - $ 194,828 $ - Liabilities: Derivatives Interest rate swap on loans $ 988 $ - $ 988 $ - Total liabilities $ 988 $ - $ 988 $ - 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 nonrecurring basis with the exception of repossessed assets. Repossessed assets - Certain assets such as repossessed assets are measured at fair value less cost to sell. We believe that the fair value component in the valuation of repossessed assets follows the provisions of ASC 820. The measurement of loss associated with repossessed assets at the date of transfer from loans is based on the fair value of the collateral less anticipated selling costs compared to the unpaid loan balance. Subsequent changes in fair value are recorded in noninterest income on the Consolidated Statements of Income. The value of repossessed assets is determined utilizing a market valuation approach based on an independent valuation using market data. Any fair value adjustments are recorded in the period incurred and recognized against current earnings. The carrying values of all repossessed assets is considered to be Level 2. The following tables summarize the Company’s repossessed assets measured at fair value on a nonrecurring basis as of the dates indicated: Carrying Value at September 30, 2024 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Repossessed assets $ 1,701 $ - $ 1,701 $ - Carrying Value at December 31, 2023 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Repossessed assets $ 215 $ - $ 215 $ - 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 September 30, 2024 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 176,855 $ 176,855 $ - $ - Securities available-for-sale 193,840 - 193,840 - Restricted securities 3,845 - 3,845 - Loans, net 1,014,012 - - 962,341 Derivatives Interest rate swap on loans 988 - 988 - Bank owned life insurance 35,909 - 35,909 - Accrued interest receivable 4,858 - 4,858 - Liabilities Deposits $ 1,282,786 $ - $ 1,281,847 $ - Overnight repurchase agreements 1,777 - 1,777 - Federal Home Loan Bank advances 40,000 - 40,000 - Subordinated notes 29,766 - 26,503 - Derivatives Interest rate swap on loans 988 - 988 - Accrued interest payable 1,988 - 1,988 - Fair Value Measurements at December 31, 2023 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 80,806 $ 80,806 $ - $ - 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	9 Months Ended
	Sep. 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, fees earned on deposit accounts, debit card interchange, and treasury and commercial services. Wealth’s operating revenues consist principally of income from fiduciary and asset management fees. The Parent’s revenues are mainly interest and dividends received from the Bank and Wealth. The Company has no other segments. The Company’s reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the three and nine months ended September 30, 2024 and 2023 follows: Three Months Ended September 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 18,465 $ 55 $ 2,820 $ (2,820 ) $ 18,520 Income from fiduciary activities - 1,177 - (51 ) 1,126 Other income 2,108 217 50 (29 ) 2,346 Total operating income 20,573 1,449 2,870 (2,900 ) 21,992 Expenses Interest expense 5,915 - 295 - 6,210 Provision for credit losses 282 - - - 282 Salaries and employee benefits 6,192 1,031 210 (51 ) 7,382 Other expenses 4,613 330 99 (30 ) 5,012 Total operating expenses 17,002 1,361 604 (81 ) 18,886 Income before taxes 3,571 88 2,266 (2,819 ) 3,106 Income tax expense (benefit) 820 20 (116 ) - 724 Net income $ 2,751 $ 68 $ 2,382 $ (2,819 ) $ 2,382 Capital expenditures $ 164 $ - $ - $ - $ 164 Three Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 17,154 $ 35 $ 1,821 $ (1,821 ) $ 17,189 Income from fiduciary activities - 1,012 - - 1,012 Other income 2,215 270 50 (65 ) 2,470 Total operating income 19,369 1,317 1,871 (1,886 ) 20,671 Expenses Interest expense 5,468 - 295 - 5,763 Provision for credit losses 505 - - - 505 Salaries and employee benefits 6,589 1,018 223 - 7,830 Other expenses 4,657 347 112 (65 ) 5,051 Total operating expenses 17,219 1,365 630 (65 ) 19,149 Income (loss) before taxes 2,150 (48 ) 1,241 (1,821 ) 1,522 Income tax expense (benefit) 290 (9 ) (121 ) - 160 Net income (loss) $ 1,860 $ (39 ) $ 1,362 $ (1,821 ) $ 1,362 Capital expenditures $ 398 $ - $ - $ - $ 398 Nine Months Ended September 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 53,875 $ 146 $ 7,941 $ (7,941 ) $ 54,021 Income from fiduciary activities - 3,573 - (126 ) 3,447 Other income 6,100 664 150 (196 ) 6,718 Total operating income 59,975 4,383 8,091 (8,263 ) 64,186 Expenses Interest expense 17,170 - 885 - 18,055 Provision for credit losses 623 - - - 623 Salaries and employee benefits 18,992 2,942 600 (126 ) 22,408 Other expenses 13,818 1,065 327 (197 ) 15,013 Total operating expenses 50,603 4,007 1,812 (323 ) 56,099 Income before taxes 9,372 376 6,279 (7,940 ) 8,087 Income tax expense (benefit) 1,725 83 (349 ) - 1,459 Net income $ 7,647 $ 293 $ 6,628 $ (7,940 ) $ 6,628 Capital expenditures $ 2,115 $ - $ - $ - $ 2,115 Nine Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 48,587 $ 102 $ 7,622 $ (7,622 ) $ 48,689 Income from fiduciary activities - 3,282 - - 3,282 Other income 6,420 724 150 (196 ) 7,098 Total operating income 55,007 4,108 7,772 (7,818 ) 59,069 Expenses Interest expense 11,466 - 885 - 12,351 Provision for credit losses 1,242 - - - 1,242 Salaries and employee benefits 19,419 3,191 626 - 23,236 Other expenses 13,786 992 378 (196 ) 14,960 Total operating expenses 45,913 4,183 1,889 (196 ) 51,789 Income (loss) before taxes 9,094 (75 ) 5,883 (7,622 ) 7,280 Income tax expense (benefit) 1,409 (12 ) (364 ) - 1,033 Net income (loss) $ 7,685 $ (63 ) $ 6,247 $ (7,622 ) $ 6,247 Capital expenditures $ 885 $ - $ - $ - $ 885 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Total assets at September 30,2024 $ 1,468,349 $ 7,583 $ 145,560 $ (143,483 ) $ 1,478,009 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
	Sep. 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)	9 Months Ended
	Sep. 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 September 30, 2024 and December 31, 2023, the statements of income, comprehensive income (loss), and changes in stockholders’ equity for the three and nine months ended September 30, 2024 and 2023, and the statements of cash flows for the nine months ended September 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 prior year's net income or total equity.
Recent Accounting Pronouncements	Recent Accounting Pronouncements 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. In November 2023, FASB issued ASU 2023-07, “Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures.” The amendments in this ASU are intended to improve reportable segment disclosure requirements primarily through enhanced disclosures about significant segment expenses. This ASU requires disclosure of significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”), an amount for other segment items by reportable segment and a description of its composition, all annual disclosures about a reportable segment profit or loss and assets currently required by FASB ASU Topic 280 to be made in interim periods, and the title and position of the CODM and how the CODM uses the reported measures. Additionally, this ASU requires that at least one of the reported segment profit and loss measures should be the measure that is most consistent with the measurement principles used in an entity’s consolidated financial statements. This ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The amendments are to be applied retrospectively to all prior periods presented. The Company does not expect the adoption of ASU 2023-07 to have a material impact on its consolidated financial statements. In November 2024, FASB issued ASU 2024-03, “Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” ASU 2024-03 requires public companies to disclose, in the notes to the financial statements, specific information about certain costs and expenses at each interim and annual reporting period. This includes disclosing amounts related to employee compensation, depreciation, and intangible asset amortization. In addition, public companies will need to provide qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. ASU 2024-03 is effective for public business entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Implementation of ASU 2024-03 may be applied prospectively or retrospectively. The Company does not expect the adoption of ASU 2024-03 to have a material impact 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)	9 Months Ended
	Sep. 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: September 30, 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains (Losses) Value U.S. Treasury securities $ 4,044 $ - $ (111 ) $ 3,933 Obligations of U.S. Government agencies 33,887 235 (288 ) 33,834 Obligations of state and political subdivisions 57,814 16 (6,180 ) 51,650 Mortgage-backed securities 85,961 121 (7,688 ) 78,394 Corporate bonds and other securities 29,000 - (2,971 ) 26,029 $ 210,706 $ 372 $ (17,238 ) $ 193,840 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 September 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. September 30, 2024 Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 1,501 $ 1,485 Due after one year through five years 19,984 19,053 Due after five through ten years 55,659 49,844 Due after ten years 133,562 123,458 $ 210,706 $ 193,840 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 nine months ended September 30, 2024 and 2023, respectively. Three Months Ended Nine Months Ended September 30, September 30, (dollars in thousands) 2024 2023 2024 2023 Realized gains on sales of securities $ - $ 1,061 $ - $ 1,061 Realized losses on sales of securities - (1,031 ) - (1,195 ) Net realized gain (loss) $ - $ 30 $ - $ (134 )
Available-for-Sale Securities, Continuous Unrealized Loss Position	The following tables show the gross unrealized losses and fair value of the Company’s investments with unrealized losses for which an ACL has not been recorded as of September 30, 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: September 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 $ - $ - $ 111 $ 3,933 $ 111 $ 3,933 1 Obligations of U.S. Government agencies 7 2,003 281 17,190 288 19,193 32 Obligations of state and political subdivisions - - 6,180 50,646 6,180 50,646 42 Mortgage-backed securities 1 1,101 7,687 73,892 7,688 74,993 40 Corporate bonds and other securities 207 2,293 2,764 23,736 2,971 26,029 25 Total securities available-for-sale $ 215 $ 5,397 $ 17,023 $ 169,397 $ 17,238 $ 174,794 140 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)	9 Months Ended
	Sep. 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: September 30, December 31, (dollars in thousands) 2024 2023 Mortgage loans on real estate: Residential 1-4 family $ 183,091 $ 188,517 Commercial - owner occupied 133,991 156,466 Commercial - non-owner occupied 304,331 285,250 Multifamily 39,232 29,207 Construction and land development 90,555 107,179 Second mortgages 10,428 10,148 Equity lines of credit 59,901 55,981 Total mortgage loans on real estate 821,529 832,748 Commercial and industrial loans 51,947 64,112 Consumer automobile loans 130,210 160,437 Other consumer loans 18,500 19,718 Other (1) 3,526 3,237 Total loans, net of deferred fees (2) 1,025,712 1,080,252 Less: Allowance for credit losses on loans 11,700 12,206 Loans, net of allowance and deferred fees (2) $ 1,014,012 $ 1,068,046 (1) Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $425 thousand and $244 thousand at September 30, 2024 and December 31, 2023, respectively. (2) Net deferred loan fees totaled $1.0 million on September 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 September 30, 2024 and December 31, 2023. Age Analysis of Past Due Loans as of September 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 $ - $ - $ - $ 41 $ 183,050 $ 183,091 Commercial - owner occupied - - 374 - 133,617 133,991 Commercial - non-owner occupied 11,751 185 - - 292,395 304,331 Multifamily - - - - 39,232 39,232 Construction and land development - - - - 90,555 90,555 Second mortgages - - 19 - 10,409 10,428 Equity lines of credit 117 99 - 44 59,641 59,901 Total mortgage loans on real estate $ 11,868 $ 284 $ 393 $ 85 $ 808,899 $ 821,529 Commercial and industrial loans 724 749 86 - 50,388 51,947 Consumer automobile loans 2,355 466 336 - 127,053 130,210 Other consumer loans 37 286 94 - 18,083 18,500 Other 28 6 - - 3,492 3,526 Total $ 15,012 $ 1,791 $ 909 $ 85 $ 1,007,915 $ 1,025,712 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 September 30, 2024 and December 31, 2023. Nonaccrual Nonaccrual with no ACLL (dollars in thousands) September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Mortgage loans on real estate: Residential 1-4 family $ 41 $ 142 $ 41 $ - Commercial - non-owner occupied - - - - Second mortgages - - - - Equity lines of credit 44 46 - - Total mortgage loans on real estate 85 188 41 - Commercial and industrial loans - - - - Consumer automobile loans - - - - Other consumer loans - - - - Total $ 85 $ 188 41 -
Allowance for Credit Losses by Segment	The following tables presents the activity in the ACLL by portfolio class for the nine months ended September 30, 2024 and September 30, 2023. Allowance for Credit Losses and Recorded Investment in Loans For the Nine Months Ended September 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 (163 ) - - - (1,198 ) (165 ) - (1,526 ) Recoveries 8 - 26 12 324 39 - 409 Provision for (recovery of) loan losses 24 (129 ) (29 ) (160 ) 729 176 - 611 Ending Balance $ 442 $ 853 $ 2,901 $ 5,594 $ 1,682 $ 228 $ - $ 11,700 For the Nine Months Ended September 30, 2023 (dollars in thousands) Commercial and Industrial Real Estate Construction and Land Development Real Estate - Mortgage (1) Real Estate - Commercial (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 (159 ) - - - (813 ) (228 ) - (1,200 ) Recoveries 64 - 28 - 393 41 - 526 Provision for (recovery of) loan losses 78 258 192 244 270 315 (6 ) 1,351 Ending Balance $ 645 $ 829 $ 2,882 $ 5,791 $ 1,550 $ 147 $ - $ 11,844 (1) The real estate-mortgage segment included residential 1-4 family, multi-family, second mortgages and equity lines of credit. (2) The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied. (3) The consumer segment included consumer automobile loans.
Breakdown of Provision for Credit Losses	The following table presents a breakdown of the provision for credit losses for the periods indicated. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Provision for credit losses: Provision for loans $ 342 $ 478 $ 611 $ 1,351 Provision for (recovery of) unfunded commitments (60 ) 27 12 (109 ) Total $ 282 $ 505 $ 623 $ 1,242
Risk Category Loans by Class of Loans	The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated: September 30, 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 $ 23,765 $ 33,523 $ 28,783 $ 1,503 $ 1,803 $ 292 $ 886 $ 90,555 OAEM - - - - - - - - Substandard - - - - - - - - Total construction and land development $ 23,765 $ 33,523 $ 28,783 $ 1,503 $ 1,803 $ 292 $ 886 $ 90,555 Commercial real estate - owner occupied Pass $ 7,238 $ 9,427 $ 27,689 $ 20,510 $ 11,002 $ 57,394 $ 725 $ 133,985 OAEM - - - - - 6 - 6 Substandard - - - - - - - - Total commercial real estate - owner occupied $ 7,238 $ 9,427 $ 27,689 $ 20,510 $ 11,002 $ 57,400 $ 725 $ 133,991 Commercial real estate - non-owner occupied Pass $ 3,218 $ 33,721 $ 66,168 $ 102,785 $ 39,557 $ 45,934 $ 424 $ 291,807 OAEM - - - 11,751 - 773 - 12,524 Substandard - - - - - - - - Total commercial real estate - non-owner occupied $ 3,218 $ 33,721 $ 66,168 $ 114,536 $ 39,557 $ 46,707 $ 424 $ 304,331 Commercial and industrial Pass $ 4,079 $ 13,956 $ 14,307 $ 3,322 $ 1,095 $ 5,681 $ 9,507 $ 51,947 OAEM - - - - - - - - Substandard - - - - - - - - Total commercial and industrial $ 4,079 $ 13,956 $ 14,307 $ 3,322 $ 1,095 $ 5,681 $ 9,507 $ 51,947 Multifamily real estate Pass $ - $ 7,625 $ 1,352 $ 2,099 $ 586 $ 22,664 $ 4,906 $ 39,232 OAEM - - - - - - - - Substandard - - - - - - - - Total multifamily real estate $ - $ 7,625 $ 1,352 $ 2,099 $ 586 $ 22,664 $ 4,906 $ 39,232 Residential 1-4 family Pass $ 7,352 $ 34,061 $ 39,474 $ 33,339 $ 25,554 $ 56,135 $ 57,461 $ 253,376 OAEM - - - - - - - - Substandard - - - - - 44 - 44 Total residential 1-4 family $ 7,352 $ 34,061 $ 39,474 $ 33,339 $ 25,554 $ 56,179 $ 57,461 $ 253,420 Consumer - automobile Pass $ 17,086 $ 37,825 $ 60,537 $ 8,477 $ 2,423 $ 3,862 $ - $ 130,210 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - automobile $ 17,086 $ 37,825 $ 60,537 $ 8,477 $ 2,423 $ 3,862 $ - $ 130,210 Consumer - other Pass $ 1,005 $ 220 $ 375 $ 257 $ 38 $ 14,638 $ 1,967 $ 18,500 OAEM - - - - - - - - Substandard - - - - - - - - Total consumer - other $ 1,005 $ 220 $ 375 $ 257 $ 38 $ 14,638 $ 1,967 $ 18,500 Other Pass $ 2,259 $ - $ - $ 274 $ - $ 993 $ - $ 3,526 OAEM - - - - - - - - Substandard - - - - - - - - Total other $ 2,259 $ - $ - $ 274 $ - $ 993 $ - $ 3,526 Total loans Pass $ 66,002 $ 170,358 $ 238,685 $ 172,566 $ 82,058 $ 207,593 $ 75,876 $ 1,013,138 OAEM - - - 11,751 - 779 - 12,530 Substandard - - - - - 44 - 44 Total loans $ 66,002 $ 170,358 $ 238,685 $ 184,317 $ 82,058 $ 208,416 $ 75,876 $ 1,025,712 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 nine months ended September 30, 2024 and September 30, 2023: September 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 $ 28 $ 18 $ 108 $ - $ - $ 9 $ - $ 163 Consumer - automobile - 312 655 160 34 28 - 1,189 Consumer - other - - - - - 9 - 9 Other (1) 165 - - - - - - 165 Total $ 193 $ 330 $ 763 $ 160 $ 34 $ 46 $ - $ 1,526 (1) Gross charge-offs of other loans for the nine months ended September 30, 2024 included $165 thousand of demand deposit overdrafts that originated in 2024. September 30, 2023 Current Period Charge-offs by Origination Year (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial $ - $ 140 $ 15 $ 4 $ - $ - $ - $ 159 Consumer - automobile 9 382 267 68 18 51 - 795 Consumer - other - - 5 - 3 10 - 18 Other (1) 206 22 - - - - - 228 Total $ 215 $ 544 $ 287 $ 72 $ 21 $ 61 $ - $ 1,200 (1) Gross charge-offs of other loans for the nine months ended September 30, 2023 included $206 thousand of demand deposit overdrafts that originated in 2023.

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Information About Leases	The following tables present information about the Company’s leases: (dollars in thousands) September 30,2024 December 31, 2023 Lease liabilities $ 937 $ 1,248 Right-of-use assets $ 745 $ 1,148 Weighted average remaining lease term 2.81 years 3.37 years Weighted average discount rate 3.20 % 3.06 %
Lease Cost	Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Operating lease cost $ 91 $ 131 $ 403 $ 333 Total lease cost $ 91 $ 131 $ 403 $ 333 Cash paid for amounts included in the measurement of lease liabilities $ 103 $ 108 $ 320 $ 311
Maturity of Operating Lease Liabilities	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities is as follows: As of (dollars in thousands) September 30, 2024 Three months ending December 31, 2024 $ 103 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 $ 995 Discount (58 ) Lease liabilities $ 937

Borrowings (Tables)

Borrowings (Tables)	9 Months Ended
	Sep. 30, 2024
Borrowings [Abstract]
Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated: (dollars in thousands) September 30, 2024 December 31, 2023 Overnight repurchase agreements $ 1,777 $ 2,383 Federal Home Loan Bank advances - 9,450 Total short-term borrowings $ 1,777 $ 11,833 Maximum month-end outstanding balance (year-to-date) $ 41,682 $ 84,360 Average outstanding balance during the period $ 44,432 $ 53,466 Average interest rate (year-to-date) 4.49 % 4.90 % Average interest rate at end of period 0.01 % 5.65 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 and December 31, 2023 were as follows: September 30, December 31, (dollars in thousands) 2024 2023 Commitments to extend credit: Home equity lines of credit $ 93,266 $ 91,885 Commercial real estate, construction and development loans committed but not funded 50,862 74,218 Other lines of credit (principally commercial) 46,273 47,622 Total $ 190,401 $ 213,725 Letters of credit $ 2,693 $ 802

Share-Based Compensation (Table

Share-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Compensation [Abstract]
Restricted Stock Activity	Restricted stock activity for the nine months ended September 30, 2024 and September 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 (5,758 ) 18.79 Nonvested, September 30, 2024 66,464 $ 18.62 Weighted Average Grant Date Shares Fair Value Nonvested, December 31, 2022 46,989 $ 22.49 Issued 35,013 17.20 Vested (25,926 ) 20.25 Forfeited (1,483 ) 17.20 Nonvested, September 30 54,593 $ 20.30

Stockholders' Equity and Earn_2

Stockholders' Equity and Earnings per Common Share (Tables)	9 Months Ended
	Sep. 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 nine months ended September 30, 2024 and 2023, respectively. Three Months Ended Nine Months Ended September 30, September 30, Affected Line Item on (dollars in thousands) 2024 2023 2024 2023 Sale of securities Realized gain (loss) on sale of securities $ - $ 30 $ - $ (134 ) Loss on sale of securities, net Tax effect - (6 ) - 28 Income tax expense $ - $ 24 $ - $ (106 )
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 September 30 2024 Balance at beginning of period $ (17,298 ) $ (17,298 ) Net other comprehensive income 3,974 3,974 Balance at end of period $ (13,324 ) $ (13,324 ) Three Months Ended September 30 2023 Balance at beginning of period $ (19,757 ) $ (19,757 ) Net other comprehensive loss (3,883 ) (3,883 ) Balance at end of period $ (23,640 ) $ (23,640 ) (dollars in thousands) Unrealized Gains (Losses) on Available- for-Sale Securities Accumulated Other Comprehensive (Loss) Income Nine September 30 2024 Balance at beginning of period $ (17,530 ) $ (17,530 ) Net other comprehensive income 4,206 4,206 Balance at end of period $ (13,324 ) $ (13,324 ) Nine September 30 2023 Balance at beginning of period $ (20,767 ) $ (20,767 ) Net other comprehensive loss (2,873 ) (2,873 ) Balance at end of period $ (23,640 ) $ (23,640 )
Component of Accumulated Other Comprehensive Income (Loss) on Pre-Tax and After-Tax	The following tables present the change in each component of accumulated other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated: Three Months Ended September 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 5,030 $ (1,056 ) $ 3,974 Total change in accumulated other comprehensive loss, net $ 5,030 $ (1,056 ) $ 3,974 Three Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (4,885 ) $ 1,026 $ (3,859 ) Reclassification adjustment for gains recognized in income (30 ) 6 (24 ) (4,915 ) 1,032 (3,883 ) Total change in accumulated other comprehensive loss, net $ (4,915 ) $ 1,032 $ (3,883 ) Nine Months Ended September 30, 2024 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 5,324 $ (1,118 ) $ 4,206 Total change in accumulated other comprehensive loss, net $ 5,324 $ (1,118 ) $ 4,206 Nine Months Ended September 30, 2023 (dollars in thousands) Pretax Tax Net-of-Tax Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (3,771 ) $ 792 $ (2,979 ) Reclassification adjustment for losses recognized in income 134 (28 ) 106 (3,637 ) 764 (2,873 ) Total change in accumulated other comprehensive loss, net $ (3,637 ) $ 764 $ (2,873 )

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 Using (dollars in thousands) Balance Level 1 Level 2 Level 3 Assets: Available-for-sale securities U.S. Treasury securities $ 3,933 $ - $ 3,933 $ - Obligations of U.S. Government agencies 33,834 - 33,834 - Obligations of state and political subdivisions 51,650 - 51,650 - Mortgage-backed securities 78,394 - 78,394 - Corporate bonds and other securities 26,029 - 26,029 - Total available-for-sale securities 193,840 - 193,840 - Derivatives Interest rate swap on loans 988 - 988 - Total assets $ 194,828 $ - $ 194,828 $ - Liabilities: Derivatives Interest rate swap on loans $ 988 $ - $ 988 $ - Total liabilities $ 988 $ - $ 988 $ - 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 $ -
Repossessed Assets Measured at Fair Value on a Nonrecurring Basis	The following tables summarize the Company’s repossessed assets measured at fair value on a nonrecurring basis as of the dates indicated: Carrying Value at September 30, 2024 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Repossessed assets $ 1,701 $ - $ 1,701 $ - Carrying Value at December 31, 2023 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Repossessed assets $ 215 $ - $ 215 $ -
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 September 30, 2024 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 176,855 $ 176,855 $ - $ - Securities available-for-sale 193,840 - 193,840 - Restricted securities 3,845 - 3,845 - Loans, net 1,014,012 - - 962,341 Derivatives Interest rate swap on loans 988 - 988 - Bank owned life insurance 35,909 - 35,909 - Accrued interest receivable 4,858 - 4,858 - Liabilities Deposits $ 1,282,786 $ - $ 1,281,847 $ - Overnight repurchase agreements 1,777 - 1,777 - Federal Home Loan Bank advances 40,000 - 40,000 - Subordinated notes 29,766 - 26,503 - Derivatives Interest rate swap on loans 988 - 988 - Accrued interest payable 1,988 - 1,988 - Fair Value Measurements at December 31, 2023 Using (dollars in thousands) Carrying Value Level 1 Level 2 Level 3 Assets Cash and cash equivalents $ 80,806 $ 80,806 $ - $ - 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)	9 Months Ended
	Sep. 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 nine months ended September 30, 2024 and 2023 follows: Three Months Ended September 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 18,465 $ 55 $ 2,820 $ (2,820 ) $ 18,520 Income from fiduciary activities - 1,177 - (51 ) 1,126 Other income 2,108 217 50 (29 ) 2,346 Total operating income 20,573 1,449 2,870 (2,900 ) 21,992 Expenses Interest expense 5,915 - 295 - 6,210 Provision for credit losses 282 - - - 282 Salaries and employee benefits 6,192 1,031 210 (51 ) 7,382 Other expenses 4,613 330 99 (30 ) 5,012 Total operating expenses 17,002 1,361 604 (81 ) 18,886 Income before taxes 3,571 88 2,266 (2,819 ) 3,106 Income tax expense (benefit) 820 20 (116 ) - 724 Net income $ 2,751 $ 68 $ 2,382 $ (2,819 ) $ 2,382 Capital expenditures $ 164 $ - $ - $ - $ 164 Three Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 17,154 $ 35 $ 1,821 $ (1,821 ) $ 17,189 Income from fiduciary activities - 1,012 - - 1,012 Other income 2,215 270 50 (65 ) 2,470 Total operating income 19,369 1,317 1,871 (1,886 ) 20,671 Expenses Interest expense 5,468 - 295 - 5,763 Provision for credit losses 505 - - - 505 Salaries and employee benefits 6,589 1,018 223 - 7,830 Other expenses 4,657 347 112 (65 ) 5,051 Total operating expenses 17,219 1,365 630 (65 ) 19,149 Income (loss) before taxes 2,150 (48 ) 1,241 (1,821 ) 1,522 Income tax expense (benefit) 290 (9 ) (121 ) - 160 Net income (loss) $ 1,860 $ (39 ) $ 1,362 $ (1,821 ) $ 1,362 Capital expenditures $ 398 $ - $ - $ - $ 398 Nine Months Ended September 30, 2024 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 53,875 $ 146 $ 7,941 $ (7,941 ) $ 54,021 Income from fiduciary activities - 3,573 - (126 ) 3,447 Other income 6,100 664 150 (196 ) 6,718 Total operating income 59,975 4,383 8,091 (8,263 ) 64,186 Expenses Interest expense 17,170 - 885 - 18,055 Provision for credit losses 623 - - - 623 Salaries and employee benefits 18,992 2,942 600 (126 ) 22,408 Other expenses 13,818 1,065 327 (197 ) 15,013 Total operating expenses 50,603 4,007 1,812 (323 ) 56,099 Income before taxes 9,372 376 6,279 (7,940 ) 8,087 Income tax expense (benefit) 1,725 83 (349 ) - 1,459 Net income $ 7,647 $ 293 $ 6,628 $ (7,940 ) $ 6,628 Capital expenditures $ 2,115 $ - $ - $ - $ 2,115 Nine Months Ended September 30, 2023 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Revenues Interest and dividend income $ 48,587 $ 102 $ 7,622 $ (7,622 ) $ 48,689 Income from fiduciary activities - 3,282 - - 3,282 Other income 6,420 724 150 (196 ) 7,098 Total operating income 55,007 4,108 7,772 (7,818 ) 59,069 Expenses Interest expense 11,466 - 885 - 12,351 Provision for credit losses 1,242 - - - 1,242 Salaries and employee benefits 19,419 3,191 626 - 23,236 Other expenses 13,786 992 378 (196 ) 14,960 Total operating expenses 45,913 4,183 1,889 (196 ) 51,789 Income (loss) before taxes 9,094 (75 ) 5,883 (7,622 ) 7,280 Income tax expense (benefit) 1,409 (12 ) (364 ) - 1,033 Net income (loss) $ 7,685 $ (63 ) $ 6,247 $ (7,622 ) $ 6,247 Capital expenditures $ 885 $ - $ - $ - $ 885 (dollars in thousands) Bank Wealth Parent Eliminations Consolidated Total assets at September 30,2024 $ 1,468,349 $ 7,583 $ 145,560 $ (143,483 ) $ 1,478,009 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)	Sep. 30, 2024 Subsidiary Branch
THE COMPANY [Abstract]
Number of wholly-owned subsidiaries | Subsidiary	2
Number of branch offices | Branch	13

Description of Business and S_4

Description of Business and Summary of Significant Accounting Policies, Recent Accounting Pronouncements (Details)	9 Months Ended
	Sep. 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	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 210,706	$ 224,421
Gross unrealized gains	372	264
Gross unrealized (losses)	(17,238)	(22,454)
Fair value	193,840	202,231
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	4,044	4,068
Gross unrealized gains	0	0
Gross unrealized (losses)	(111)	(211)
Fair value	3,933	3,857
Obligations of U.S. Government Agencies [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	33,887	43,233
Gross unrealized gains	235	167
Gross unrealized (losses)	(288)	(665)
Fair value	33,834	42,735
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	57,814	58,292
Gross unrealized gains	16	13
Gross unrealized (losses)	(6,180)	(7,708)
Fair value	51,650	50,597
Mortgage-backed Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	85,961	91,328
Gross unrealized gains	121	84
Gross unrealized (losses)	(7,688)	(10,105)
Fair value	78,394	81,307
Corporate Bonds and Other Securities [Member]
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	29,000	27,500
Gross unrealized gains	0	0
Gross unrealized (losses)	(2,971)	(3,765)
Fair value	$ 26,029	$ 23,735

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 1,501	$ 1,570
Due after one year through five years	19,984	12,962
Due after five through ten years	55,659	63,248
Due after ten years	133,562	146,641
Amortized Cost	210,706	224,421
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	1,485	1,541
Due after one year through five years	19,053	12,178
Due after five through ten years	49,844	54,806
Due after ten years	123,458	133,706
Fair Value	$ 193,840	$ 202,231

Securities, Net Realized Gains

Securities, Net Realized Gains and Losses on Sale of Investments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Debt Securities, Available-for-Sale, Realized Gain (Loss) [Abstract]
Realized gains on sales of securities	$ 0	$ 1,061	$ 0	$ 1,061
Realized losses on sales of securities	0	(1,031)	0	(1,195)
Net realized gain (loss)	$ 0	$ 30	$ 0	$ (134)

Securities, Individual Securiti

Securities, Individual Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2024 USD ($) Security	Dec. 31, 2023 USD ($) Security
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 215	$ 187
12 months or more	17,023	22,267
Total	17,238	22,454
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	5,397	13,226
12 months or more	169,397	172,353
Total	$ 174,794	$ 185,579
Number of securities | Security	140	150
Securities Available-for-Sale, Number of Securities [Abstract]
Allowance for credit loss	$ 0	$ 0
U.S. Treasury Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	0	0
12 months or more	111	211
Total	111	211
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	3,933	3,857
Total	$ 3,933	$ 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	$ 7	$ 91
12 months or more	281	574
Total	288	665
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	2,003	8,803
12 months or more	17,190	22,817
Total	$ 19,193	$ 31,620
Number of securities | Security	32	43
Obligations of State and Political Subdivisions [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 0	$ 0
12 months or more	6,180	7,708
Total	6,180	7,708
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	50,646	49,597
Total	$ 50,646	$ 49,597
Number of securities | Security	42	43
Mortgage-backed Securities [Member]
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less than 12 months	$ 1	$ 96
12 months or more	7,687	10,009
Total	7,688	10,105
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	1,101	4,423
12 months or more	73,892	73,347
Total	$ 74,993	$ 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	$ 207	$ 0
12 months or more	2,764	3,765
Total	2,971	3,765
Securities Available-for-Sale, Fair Value [Abstract]
Less than 12 months	2,293	0
12 months or more	23,736	22,735
Total	$ 26,029	$ 22,735
Number of securities | Security	25	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		Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Dec. 31, 2022
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[1]	$ 1,025,712	$ 1,080,252
Less: Allowance for credit losses on loans		11,700	12,206	$ 11,844	$ 10,526
Loans, net of allowance and deferred fees	[1]	1,014,012	1,068,046
Overdrawn deposit accounts		425	244
Net deferred loan costs		1,000	1,200
Mortgage Loans on Real Estate [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		821,529	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		183,091	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]	5,594	5,742	5,791	4,499
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		133,991	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		304,331	285,250
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		39,232	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		90,555	107,179
Less: Allowance for credit losses on loans		853	982	829	552
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		10,428	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		59,901	55,981
Commercial and Industrial Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		51,947	64,112
Less: Allowance for credit losses on loans		442	573	645	673
Consumer [Member]
Portfolio of Loans Held for Investment [Abstract]
Less: Allowance for credit losses on loans	[3]	1,682	1,827	1,550	2,065
Consumer [Member] | Consumer Automobile Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		130,210	160,437
Consumer [Member] | Other Consumer Loans [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees		18,500	19,718
Other [Member]
Portfolio of Loans Held for Investment [Abstract]
Loans, net of deferred fees	[4]	3,526	3,237
Less: Allowance for credit losses on loans		228	$ 178	147	$ 156
Overdrawn deposit accounts		$ 165		$ 206
[1]Net deferred loan fees totaled $1.0 million on September 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 included consumer automobile loans.[4]Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts totaled $425 thousand and $244 thousand at September 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		Sep. 30, 2024	Dec. 31, 2023
Loans, Aging [Abstract]
Loans	[1]	$ 1,025,712	$ 1,080,252
Nonaccrual	[2]	85	188
30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		15,012	6,103
60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		1,791	2,299
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		909	1,780
Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	1,007,915	1,069,882
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Loans		821,529	832,748
Nonaccrual	[2]	85	188
Mortgage Loans on Real Estate [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		11,868	1,659
Mortgage Loans on Real Estate [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		284	902
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		393	690
Mortgage Loans on Real Estate [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	808,899	829,309
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Loans		183,091	188,517
Nonaccrual	[2]	41	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		0	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	368
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	183,050	186,813
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		133,991	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		374	322
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	133,617	156,044
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Loans, Aging [Abstract]
Loans		304,331	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		11,751	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		185	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]	292,395	284,354
Mortgage Loans on Real Estate [Member] | Multifamily [Member]
Loans, Aging [Abstract]
Loans		39,232	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]	39,232	29,207
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Loans, Aging [Abstract]
Loans		90,555	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]	90,555	107,179
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Loans		10,428	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		0	6
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		19	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	10,409	9,982
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member]
Loans, Aging [Abstract]
Loans		59,901	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		117	205
Mortgage Loans on Real Estate [Member] | Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		99	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]	59,641	55,730
Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Loans		51,947	64,112
Nonaccrual	[2]	0	0
Commercial and Industrial Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		724	527
Commercial and Industrial Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		749	427
Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		86	306
Commercial and Industrial Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	50,388	62,852
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Loans		130,210	160,437
Nonaccrual	[2]	0	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		2,355	3,254
Consumer [Member] | Consumer Automobile Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		466	706
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		336	661
Consumer [Member] | Consumer Automobile Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	127,053	155,816
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Loans		18,500	19,718
Nonaccrual	[2]	0	0
Consumer [Member] | Other Consumer Loans [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		37	634
Consumer [Member] | Other Consumer Loans [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		286	264
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		94	123
Consumer [Member] | Other Consumer Loans [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	18,083	18,697
Other [Member]
Loans, Aging [Abstract]
Loans	[4]	3,526	3,237
Nonaccrual	[2]	0	0
Other [Member] | 30 - 59 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		28	29
Other [Member] | 60 - 89 Days Past Due [Member]
Loans, Aging [Abstract]
Loans		6	0
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Loans		0	0
Other [Member] | Current Loans [Member]
Loans, Aging [Abstract]
Loans	[3]	$ 3,492	$ 3,208
[1]Net deferred loan fees totaled $1.0 million on September 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		Sep. 30, 2024	Dec. 31, 2023
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	$ 85	$ 188
Nonaccrual with no ACLL		41	0
Mortgage Loans on Real Estate [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	85	188
Nonaccrual with no ACLL		41	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	41	142
Nonaccrual with no ACLL		41	0
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		0	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		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
Nonaccrual with no ACLL		0	0
Commercial and Industrial Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		0	0
Consumer [Member] | Consumer Automobile Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		0	0
Consumer [Member] | Other Consumer Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status [Abstract]
Nonaccrual	[1]	0	0
Nonaccrual with no ACLL		$ 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		9 Months Ended
		Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) Segment		Sep. 30, 2023 USD ($)
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				(1,526)		(1,200)
Recoveries				409		526
Provision for (recovery of) loan losses		$ 342	$ 478	611		1,351
Ending Balance		11,700	11,844	11,700		11,844
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				(163)		(159)
Recoveries				8		64
Provision for (recovery of) loan losses				24		78
Ending Balance		442	645	442		645
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 and Land Development [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance				982		552
Charge-offs				0		0
Recoveries				0		0
Provision for (recovery of) loan losses				(129)		258
Ending Balance		853	829	853		829
Real Estate [Member] | Construction and Land Development [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 326 [Member]
Allowance for Credit Losses and Recorded Investment in Loans [Abstract]
Beginning Balance						19
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]			26		28
Provision for (recovery of) loan losses	[1]			(29)		192
Ending Balance	[1]	2,901	2,882	2,901		2,882
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]			12		0
Provision for (recovery of) loan losses	[2]			(160)		244
Ending Balance	[2]	5,594	5,791	5,594		5,791
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]			(1,198)		(813)
Recoveries	[3]			324		393
Provision for (recovery of) loan losses	[3]			729		270
Ending Balance	[3]	1,682	1,550	1,682		1,550
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				(165)	[4]	(228)	[5]
Recoveries				39		41
Provision for (recovery of) loan losses				176		315
Ending Balance		228	147	228		147
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 (recovery of) 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 included residential 1-4 family, multi-family, second mortgages and equity lines of credit.[2]The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied.[3]The consumer segment included consumer automobile loans.[4] Gross charge-offs of other loans for the nine months ended September 30, 2024 included $165 thousand of demand deposit overdrafts that originated in 2024. Gross charge-offs of other loans for the nine months ended September 30, 2023 included $206 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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Provision for Credit Losses [Abstract]
Provision for loans	$ 342	$ 478	$ 611	$ 1,351
Provision for (recovery of) unfunded commitments	(60)	27	12	(109)
Total	$ 282	$ 505	$ 623	$ 1,242

Loans and the Allowance for C_8

Loans and the Allowance for Credit Losses on Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2024		Sep. 30, 2023		Dec. 31, 2023
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		$ 66,002				$ 188,858
2023/2022		170,358				274,769
2022/2021		238,685				203,777
2021/2020		184,317				89,317
2020/2019		82,058				46,551
Prior		208,416				197,421
Revolving Loans		75,876				79,559
Total loans	[1]	1,025,712				1,080,252
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		193		$ 215
2023/2022		330		544
2022/2021		763		287
2021/2020		160		72
2020/2019		34		21
Prior		46		61
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		1,526		1,200
Demand deposit overdrafts		425				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		66,002				188,858
2023/2022		170,358				274,769
2022/2021		238,685				203,777
2021/2020		172,566				88,967
2020/2019		82,058				45,624
Prior		207,593				194,204
Revolving Loans		75,876				79,559
Total loans		1,013,138				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		11,751				0
2020/2019		0				881
Prior		779				2,985
Revolving Loans		0				0
Total loans		12,530				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		0				46
Prior		44				232
Revolving Loans		0				0
Total loans		44				628
Mortgage Loans on Real Estate [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
Total loans		821,529				832,748
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		23,765				40,168
2023/2022		33,523				36,581
2022/2021		28,783				25,770
2021/2020		1,503				3,630
2020/2019		1,803				297
Prior		292				285
Revolving Loans		886				448
Total loans		90,555				107,179
Current Period Charge-offs by Origination Year [Abstract]
Current period gross charge-offs		0		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		23,765				40,168
2023/2022		33,523				36,581
2022/2021		28,783				25,770
2021/2020		1,503				3,630
2020/2019		1,803				297
Prior		292				285
Revolving Loans		886				448
Total loans		90,555				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		7,238				10,145
2023/2022		9,427				33,720
2022/2021		27,689				21,058
2021/2020		20,510				13,708
2020/2019		11,002				12,102
Prior		57,400				60,053
Revolving Loans		725				5,680
Total loans		133,991				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		7,238				10,145
2023/2022		9,427				33,720
2022/2021		27,689				21,058
2021/2020		20,510				13,708
2020/2019		11,002				12,025
Prior		57,394				56,978
Revolving Loans		725				5,680
Total loans		133,985				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		6				2,985
Revolving Loans		0				0
Total loans		6				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		3,218				31,539
2023/2022		33,721				53,217
2022/2021		66,168				96,755
2021/2020		114,536				38,704
2020/2019		39,557				11,321
Prior		46,707				51,451
Revolving Loans		424				2,263
Total loans		304,331				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		3,218				31,539
2023/2022		33,721				53,217
2022/2021		66,168				96,755
2021/2020		102,785				38,704
2020/2019		39,557				10,517
Prior		45,934				51,451
Revolving Loans		424				2,263
Total loans		291,807				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		11,751				0
2020/2019		0				804
Prior		773				0
Revolving Loans		0				0
Total loans		12,524				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		7,625				3,841
2022/2021		1,352				2,151
2021/2020		2,099				605
2020/2019		586				5,955
Prior		22,664				9,005
Revolving Loans		4,906				1,082
Total loans		39,232				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		7,625				3,841
2022/2021		1,352				2,151
2021/2020		2,099				605
2020/2019		586				5,955
Prior		22,664				9,005
Revolving Loans		4,906				1,082
Total loans		39,232				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		7,352				27,497
2023/2022		34,061				41,062
2022/2021		39,474				39,937
2021/2020		33,339				26,718
2020/2019		25,554				13,055
Prior		56,179				52,290
Revolving Loans		57,461				54,087
Total loans		253,420				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		7,352				27,497
2023/2022		34,061				41,062
2022/2021		39,474				39,937
2021/2020		33,339				26,368
2020/2019		25,554				13,009
Prior		56,135				52,148
Revolving Loans		57,461				54,087
Total loans		253,376				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		0				46
Prior		44				142
Revolving Loans		0				0
Total loans		44				538
Commercial and Industrial Loans [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		4,079				18,248
2023/2022		13,956				21,698
2022/2021		14,307				4,300
2021/2020		3,322				1,691
2020/2019		1,095				2,192
Prior		5,681				2,075
Revolving Loans		9,507				13,908
Total loans		51,947				64,112
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		28		0
2023/2022		18		140
2022/2021		108		15
2021/2020		0		4
2020/2019		0		0
Prior		9		0
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		163		159
Commercial and Industrial Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		4,079				18,248
2023/2022		13,956				21,698
2022/2021		14,307				4,300
2021/2020		3,322				1,691
2020/2019		1,095				2,192
Prior		5,681				2,075
Revolving Loans		9,507				13,908
Total loans		51,947				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]	1,198		813
Consumer [Member] | Consumer Automobile [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		17,086				52,750
2023/2022		37,825				83,885
2022/2021		60,537				13,184
2021/2020		8,477				4,152
2020/2019		2,423				1,618
Prior		3,862				4,848
Revolving Loans		0				0
Total loans		130,210				160,437
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		0		9
2023/2022		312		382
2022/2021		655		267
2021/2020		160		68
2020/2019		34		18
Prior		28		51
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		1,189		795
Consumer [Member] | Consumer Automobile [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		17,086				52,750
2023/2022		37,825				83,885
2022/2021		60,537				13,184
2021/2020		8,477				4,152
2020/2019		2,423				1,618
Prior		3,862				4,848
Revolving Loans		0				0
Total loans		130,210				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		1,005				323
2023/2022		220				765
2022/2021		375				330
2021/2020		257				109
2020/2019		38				11
Prior		14,638				16,089
Revolving Loans		1,967				2,091
Total loans		18,500				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		9		10
Revolving Loans Amortized Cost Basis		0		0
Current period gross charge-offs		9		18
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		1,005				323
2023/2022		220				765
2022/2021		375				330
2021/2020		257				109
2020/2019		38				11
Prior		14,638				16,089
Revolving Loans		1,967				2,091
Total loans		18,500				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		2,259				1,620
2023/2022		0				0
2022/2021		0				292
2021/2020		274				0
2020/2019		0				0
Prior		993				1,325
Revolving Loans		0				0
Total loans	[4]	3,526				3,237
Current Period Charge-offs by Origination Year [Abstract]
2024/2023		165	[5]	206	[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		165	[5]	228	[6]
Demand deposit overdrafts		165		$ 206
Other [Member] | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year [Abstract]
2024/2023		2,259				1,620
2023/2022		0				0
2022/2021		0				292
2021/2020		274				0
2020/2019		0				0
Prior		993				1,325
Revolving Loans		0				0
Total loans		3,526				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 $1.0 million on September 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 included consumer automobile loans.[4]Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $425 thousand and $244 thousand at September 30, 2024 and December 31, 2023, respectively.[5] Gross charge-offs of other loans for the nine months ended September 30, 2024 included $165 thousand of demand deposit overdrafts that originated in 2024. Gross charge-offs of other loans for the nine months ended September 30, 2023 included $206 thousand of demand deposit overdrafts that originated in 2023.

Leases, Information About Lease

Leases, Information About Leases (Details) $ in Thousands	9 Months Ended
	Sep. 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	$ 937	$ 1,248
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Right-of-use assets	$ 745	$ 1,148
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets	Other Assets
Weighted average remaining lease term	2 years 9 months 21 days	3 years 4 months 13 days
Weighted average discount rate	3.20%	3.06%

Leases, Lease Cost (Details)

Leases, Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Lease cost [Abstract]
Operating lease cost	$ 91	$ 131	$ 403	$ 333
Total lease cost	91	131	403	333
Cash paid for amounts included in the measurement of lease liabilities	$ 103	$ 108	$ 320	$ 311

Leases, Maturity of Operating L

Leases, Maturity of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Lease payments due [Abstract]
Three months ending December 31, 2024	$ 103
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	995
Discount	(58)
Lease liabilities	$ 937	$ 1,248

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2024 USD ($) Fund	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($) Fund	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund	4		4
Low-income housing investment	$ 754		$ 1,100
Additional capital calls expected	0
Stockholders' equity	$ 115,457	$ 109,996	106,778	$ 99,526	$ 102,542	$ 98,734
Accounting Standards Update [Extensible Enumeration]	ASC 323 [Member]
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASC 323 [Member]
Low-Income Housing Tax Credits [Abstract]
Stockholders' equity	$ 455	$ (347)	$ (455)

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
	Jul. 14, 2021	Sep. 30, 2024	Dec. 31, 2023
Borrowings and FHLB Advances [Abstract]
Available federal funds lines		$ 90,000	$ 90,000
Available credit with FHLB		384,300	362,100
Short-Term Borrowings [Abstract]
Overnight repurchase agreements		1,777	2,383
Federal Home Loan Bank advances		0	9,450
Total short-term borrowings		1,777	11,833
Maximum month-end outstanding balance (year-to-date)		41,682	84,360
Average outstanding balance during the period		$ 44,432	$ 53,466
Average interest rate (year-to-date)		4.49%	4.90%
Average interest rate at end of period		0.01%	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		$ 40,000	$ 60,000
Loan maturity date		Jul. 09, 2029	Nov. 29, 2028
Federal Home Loan Bank Advances [Member] | Minimum [Member]
Long-Term Borrowings [Abstract]
Interest rate		3.69%	3.37%
Federal Home Loan Bank Advances [Member] | Maximum [Member]
Long-Term Borrowings [Abstract]
Interest rate		4.33%	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	Sep. 30, 2024	Dec. 31, 2023
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 190,401	$ 213,725
Home Equity Lines of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	93,266	91,885
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	50,862	74,218
Other Lines of Credit (Principally Commercial) [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	46,273	47,622
Letters of Credit [Member]
Commitments to extend credit [Abstract]
Commitments to extend credit	$ 2,693	$ 802

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 130	$ 171	$ 335	$ 419
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)	(25,926)
Forfeited (in shares)			(5,758)	(1,483)
Nonvested balance at end of period (in shares)	66,464	54,593	66,464	54,593	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	20.25
Forfeited (in dollars per share)			18.79	17.2
Non-vested balance at end of period (in dollars per share)	$ 18.62	$ 20.3	$ 18.62	$ 20.3	$ 22.32
Weighted-average remaining vesting period for recognition			1 year 7 months 28 days
Unrecognized stock-based compensation expense	$ 643		$ 643		$ 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)			5,684
Shares reserved for issuance (in shares)	208,669		208,669
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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Sale of Securities [Abstract]
Realized gain (loss) on sale of securities	$ 0	$ 30	$ 0	$ (134)
Tax effect	0	(6)	0	28
Total	$ 0	$ 24	$ 0	$ (106)

Stockholders' Equity and Earn_4

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Stockholders Equity Note [Abstract]
Beginning Balance	$ 109,996	$ 102,542	$ 106,778	$ 98,734
Ending Balance	115,457	99,526	115,457	99,526
Other comprehensive income (Loss), pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax	5,030	(4,885)	5,324	(3,771)
Reclassification adjustment for gain (losses) recognized in income, pretax	0	(30)	0	134
Total change in accumulated other comprehensive loss net, pretax	5,030	(4,915)	5,324	(3,637)
Other Comprehensive Income (Loss), Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect	(1,056)	1,026	(1,118)	792
Reclassification adjustment for losses recognized in income, tax effect	0	6	0	(28)
Total change in accumulated other comprehensive loss, net	(1,056)	1,032	(1,118)	764
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Unrealized holding gains (losses) arising during the period	3,974	(3,859)	4,206	(2,979)
Reclassification adjustment for losses recognized in income, net of tax	0	(24)	0	106
Other comprehensive income (loss), net of tax	3,974	(3,883)	4,206	(2,873)
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(17,298)	(19,757)	(17,530)	(20,767)
Net other comprehensive (income) loss	3,974	(3,883)	4,206	(2,873)
Ending Balance	(13,324)	(23,640)	(13,324)	(23,640)
Accumulated Other Comprehensive (Loss) Income [Member]
Stockholders Equity Note [Abstract]
Beginning Balance	(17,298)	(19,757)	(17,530)	(20,767)
Net other comprehensive (income) loss	3,974	(3,883)	4,206	(2,873)
Ending Balance	(13,324)	(23,640)	(13,324)	(23,640)
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Other comprehensive income (loss), net of tax	$ 3,974	$ (3,883)	$ 4,206	$ (2,873)

Stockholders' Equity and Earn_5

Stockholders' Equity and Earnings per Common Share, Earnings Per Common Share (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 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)	Sep. 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	$ 193,840,000	$ 202,231,000
Loans held for sale		470,000
Repossessed Assets [Abstract]
Repossessed assets	1,701,000	215,000
U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,933,000	3,857,000
Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	33,834,000	42,735,000
Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	51,650,000	50,597,000
Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	78,394,000	81,307,000
Interest Rate Locks [Member]
Derivatives [Abstract]
Derivative Assets		10,000
Interest Rate Swap on Loans [Member]
Derivatives [Abstract]
Derivative Assets	988,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	988,000	1,249,000
Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	193,840,000	202,231,000
Loans held for sale		470,000
Derivatives [Abstract]
Total assets	194,828,000	203,960,000
Derivative [Abstract]
Total liabilities	988,000	1,249,000
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,933,000	3,857,000
Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	33,834,000	42,735,000
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	51,650,000	50,597,000
Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	78,394,000	81,307,000
Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	26,029,000	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	988,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	988,000	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
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 1 [Member] | Nonrecurring [Member]
Repossessed Assets [Abstract]
Repossessed assets	0	0
Level 2 [Member]
Assets [Abstract]
Debt securities, available-for-sale	193,840,000	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	988,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	988,000	1,249,000
Level 2 [Member] | Recurring [Member]
Assets [Abstract]
Debt securities, available-for-sale	193,840,000	202,231,000
Loans held for sale	0	470,000
Derivatives [Abstract]
Total assets	194,828,000	203,960,000
Derivative [Abstract]
Total liabilities	988,000	1,249,000
Level 2 [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	3,933,000	3,857,000
Level 2 [Member] | Recurring [Member] | Obligations of U.S. Government Agencies [Member]
Assets [Abstract]
Debt securities, available-for-sale	33,834,000	42,735,000
Level 2 [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Assets [Abstract]
Debt securities, available-for-sale	51,650,000	50,597,000
Level 2 [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	78,394,000	81,307,000
Level 2 [Member] | Recurring [Member] | Corporate Bonds and Other Securities [Member]
Assets [Abstract]
Debt securities, available-for-sale	26,029,000	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	988,000	1,249,000
Derivative [Abstract]
Derivative Liabilities	988,000	1,249,000
Level 2 [Member] | Nonrecurring [Member]
Repossessed Assets [Abstract]
Repossessed assets	1,701,000	215,000
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
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
Level 3 [Member] | Nonrecurring [Member]
Repossessed Assets [Abstract]
Repossessed assets	$ 0	$ 0

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Values and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets [Abstract]
Cash and cash equivalents	$ 176,855	$ 80,806
Securities available-for-sale, at fair value	193,840	202,231
Restricted securities	3,845	5,176
Loans held for sale		470
Loans, net	1,014,012	1,068,046
Bank owned life insurance	35,909	35,088
Accrued interest receivable	4,858	4,921
Liabilities [Abstract]
Deposits	1,282,786	1,230,397
Overnight repurchase agreements	1,777	2,383
Federal Home Loan Bank advances	40,000
Federal Reserve Bank borrowings		69,450
Subordinated notes	29,766	29,668
Accrued interest payable	1,988	1,972
Interest Rate Locks [Member]
Assets [Abstract]
Derivatives		10
Interest Rate Swap on Loans [Member]
Assets [Abstract]
Derivatives	988	1,249
Liabilities [Abstract]
Derivative	988	1,249
Level 1 [Member]
Assets [Abstract]
Cash and cash equivalents	176,855	80,806
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	193,840	202,231
Restricted securities	3,845	5,176
Loans held for sale		470
Loans, net	0	0
Bank owned life insurance	35,909	35,088
Accrued interest receivable	4,858	4,921
Liabilities [Abstract]
Deposits	1,281,847	1,228,477
Overnight repurchase agreements	1,777	2,383
Federal Home Loan Bank advances	40,000
Federal Reserve Bank borrowings		69,450
Subordinated notes	26,503	25,561
Accrued interest payable	1,988	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	988	1,249
Liabilities [Abstract]
Derivative	988	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	962,341	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		9 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) Segment	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting [Abstract]
Number of principal business segments | Segment			3
Revenues [Abstract]
Interest and dividend income	$ 18,520	$ 17,189	$ 54,021	$ 48,689
Total operating income	21,992	20,671	64,186	59,069
Expenses [Abstract]
Interest expense	6,210	5,763	18,055	12,351
Provision for credit losses	282	505	623	1,242
Salaries and employee benefits	7,382	7,830	22,408	23,236
Other expenses	5,012	5,051	15,013	14,960
Total operating expenses	18,886	19,149	56,099	51,789
Income (loss) before taxes	3,106	1,522	8,087	7,280
Income tax expense (benefit)	724	160	1,459	1,033
Net income (loss)	2,382	1,362	6,628	6,247
Capital expenditures	164	398	2,115	885
Total assets	1,478,009		1,478,009		$ 1,446,382
Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,126	1,012	3,447	3,282
Other Income [Member]
Revenues [Abstract]
Noninterest revenue	2,346	2,470	6,718	7,098
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	18,465	17,154	53,875	48,587
Total operating income	20,573	19,369	59,975	55,007
Expenses [Abstract]
Interest expense	5,915	5,468	17,170	11,466
Provision for credit losses	282	505	623	1,242
Salaries and employee benefits	6,192	6,589	18,992	19,419
Other expenses	4,613	4,657	13,818	13,786
Total operating expenses	17,002	17,219	50,603	45,913
Income (loss) before taxes	3,571	2,150	9,372	9,094
Income tax expense (benefit)	820	290	1,725	1,409
Net income (loss)	2,751	1,860	7,647	7,685
Capital expenditures	164	398	2,115	885
Total assets	1,468,349		1,468,349		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	2,108	2,215	6,100	6,420
Operating Segments [Member] | Wealth [Member]
Revenues [Abstract]
Interest and dividend income	55	35	146	102
Total operating income	1,449	1,317	4,383	4,108
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	1,031	1,018	2,942	3,191
Other expenses	330	347	1,065	992
Total operating expenses	1,361	1,365	4,007	4,183
Income (loss) before taxes	88	(48)	376	(75)
Income tax expense (benefit)	20	(9)	83	(12)
Net income (loss)	68	(39)	293	(63)
Capital expenditures	0	0	0	0
Total assets	7,583		7,583		7,235
Operating Segments [Member] | Wealth [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	1,177	1,012	3,573	3,282
Operating Segments [Member] | Wealth [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	217	270	664	724
Operating Segments [Member] | Parent [Member]
Revenues [Abstract]
Interest and dividend income	2,820	1,821	7,941	7,622
Total operating income	2,870	1,871	8,091	7,772
Expenses [Abstract]
Interest expense	295	295	885	885
Provision for credit losses	0	0	0	0
Salaries and employee benefits	210	223	600	626
Other expenses	99	112	327	378
Total operating expenses	604	630	1,812	1,889
Income (loss) before taxes	2,266	1,241	6,279	5,883
Income tax expense (benefit)	(116)	(121)	(349)	(364)
Net income (loss)	2,382	1,362	6,628	6,247
Capital expenditures	0	0	0	0
Total assets	145,560		145,560		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	150	150
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(2,820)	(1,821)	(7,941)	(7,622)
Total operating income	(2,900)	(1,886)	(8,263)	(7,818)
Expenses [Abstract]
Interest expense	0	0	0	0
Provision for credit losses	0	0	0	0
Salaries and employee benefits	(51)	0	(126)	0
Other expenses	(30)	(65)	(197)	(196)
Total operating expenses	(81)	(65)	(323)	(196)
Income (loss) before taxes	(2,819)	(1,821)	(7,940)	(7,622)
Income tax expense (benefit)	0	0	0	0
Net income (loss)	(2,819)	(1,821)	(7,940)	(7,622)
Capital expenditures	0	0	0	0
Total assets	(143,483)		(143,483)		$ (135,460)
Eliminations [Member] | Income from Fiduciary Activities [Member]
Revenues [Abstract]
Noninterest revenue	(51)	0	(126)	0
Eliminations [Member] | Other Income [Member]
Revenues [Abstract]
Noninterest revenue	$ (29)	$ (65)	$ (196)	$ (196)