SB Financial (SBFG) 10-K 8 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Feb. 21, 2019	Jun. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	SB FINANCIAL GROUP, INC.
Entity Central Index Key	767,405
Trading Symbol	SBFG
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Type	10-K
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	FY
Entity Well-Known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Ex Transition Period	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 132.1
Entity Common Stock, Shares Outstanding		6,476,942

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 48,363	$ 26,616
Available-for-sale securities	90,969	82,790
Loans held for sale	4,445	3,940
Loans, net of unearned income	771,883	696,615
Allowance for loan losses	(8,167)	(7,930)
Premises and equipment, net	22,084	21,277
Federal Reserve and Federal Home Loan Bank Stock, at cost	4,123	3,748
Foreclosed assets held for sale, net	131	26
Interest receivable	2,822	1,825
Goodwill and other intangibles	16,401	16,411
Cash value of life insurance	16,834	16,479
Mortgage servicing rights	11,365	9,907
Other assets	5,575	4,923
Total assets	986,828	876,627
Deposits
Non interest bearing demand	144,592	135,592
Interest bearing demand	130,628	131,079
Savings	104,444	103,267
Money market	181,426	141,844
Time deposits	241,462	217,818
Total deposits	802,552	729,600
Repurchase agreements	15,184	15,082
Federal Home Loan Bank advances	16,000	18,500
Trust preferred securities	10,310	10,310
Interest payable	909	592
Other liabilities	11,438	8,543
Total liabilities	856,393	782,627
Commitments & Contingent Liabilities
Stockholders' Equity
Preferred shares, no par value; authorized 200,000 shares; 2018 - 14,995 shares outstanding, 2017 - 15,000 shares outstanding	13,979	13,983
Common shares, no par value; 10,000,000 shares; 5,027,433 shares issued authorized 10,000,000 shares; 2018 - 6,694,598 shares issued, 2017 - 5,027,433 shares issued	40,485	12,569
Additional paid-in capital	15,226	15,405
Retained earnings	64,012	55,439
Accumulated other comprehensive loss	(552)	(141)
Treasury stock, at cost; (2018 - 191,348 common shares, 2017 - 234,787 common shares)	(2,715)	(3,255)
Total stockholders' equity	130,435	94,000
Total liabilities and stockholders' equity	$ 986,828	$ 876,627

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2018	Dec. 31, 2017
Balance Sheets [Abstract]
Preferred stock, par value
Preferred stock, shares authorized	200,000	200,000
Preferred stock, shares outstanding	14,995	15,000
Common stock, par value
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	6,694,598	5,027,433
Treasury stock, shares	191,348	234,787

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans
Taxable	$ 36,268	$ 29,792
Tax exempt	154	85
Securities
Taxable	2,618	2,076
Tax exempt	439	527
Total interest income	39,479	32,480
Interest Expense
Deposits	5,314	3,456
Repurchase agreements & other	37	15
Federal Home Loan Bank advances	460	320
Trust preferred securities	401	303
Total interest expense	6,212	4,094
Net Interest Income	33,267	28,386
Provision for loan losses	600	400
Net interest income after provision for loan losses	32,667	27,986
Noninterest Income
Wealth management fees	2,871	2,777
Customer service fees	2,670	2,671
Gain on sale of mortgage loans & OMSR's	6,870	7,132
Mortgage loan servicing fees, net	1,296	1,316
Gain on sale of non-mortgage loans	1,230	1,272
Data service fees		738
Net gain on sales of securities	70	119
Gain on sale of assets	35	6
Other	1,582	1,186
Total noninterest income	16,624	17,217
Noninterest Expense
Salaries and employee benefits	20,620	18,646
Net occupancy expense	2,397	2,260
Equipment expense	2,889	2,760
Data processing fees	1,811	1,558
Professional fees	1,848	1,774
Marketing expense	884	734
Telephone and communications	495	462
Postage and delivery expense	286	454
State, local and other taxes	719	699
Employee expense	912	797
Other expenses	1,986	1,434
Total noninterest expense	34,847	31,578
Income before income tax	14,444	13,625
Provision for income taxes	2,806	2,560
Net income	11,638	11,065
Preferred Share Dividends	975	975
Net Income available to Common Shareholders	$ 10,663	$ 10,090
Basic Earnings Per Common Share	$ 1.72	$ 2.1
Diluted Earnings Per Common Share	$ 1.51	$ 1.74

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statements Of Comprehensive Income [Abstract]
Net income	$ 11,638	$ 11,065	$ 8,784
Available-for-sale investment securities:
Gross unrealized holding loss arising in the period	(590)	(374)	(1,170)
Related tax benefit	124	126	398
Less: reclassification adjustment for gain realized in income	70	119	262
Related tax expense	(15)	(40)	(89)
Net effect on other comprehensive income	(411)	(169)	(599)
Total comprehensive income	$ 11,227	$ 10,896	$ 8,185

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Treasury Stock
Balance at Dec. 31, 2016	$ 86,548	$ 13,983	$ 12,569	$ 15,362	$ 46,688	$ 51	$ (2,105)
Net income	11,065				11,065
Reclassification of stranded tax effects due to TCJA					23	(23)
Other comprehensive loss	(169)					(169)
Dividends on common stock	(1,362)				(1,362)
Dividends on preferred stock	(975)				(975)
Restricted stock vesting				(144)			144
Stock options exercised	375			(116)			491
Stock buyback	(1,785)						(1,785)
Share based compensation expense	303			303
Balance at Dec. 31, 2017	94,000	13,983	12,569	15,405	55,439	(141)	(3,255)
Net income	11,638				11,638
Common stock issuance (1,666,666 shares)	27,912		27,912
Conversion of preferred to common		(4)	4
Other comprehensive loss	(411)					(411)
Dividends on common stock	(2,090)				(2,090)
Dividends on preferred stock	(975)				(975)
Restricted stock vesting				257			257
Stock options exercised	192			(200)			392
Repurchased stock	(109)						(109)
Share based compensation expense	278			278
Balance at Dec. 31, 2018	$ 130,435	$ 13,979	$ 40,485	$ 15,226	$ 64,012	$ (552)	$ (2,715)

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statements of Stockholders' Equity [Abstract]
Common stock issuance, shares	1,666,666
Dividend common stock, per share	$ 0.32	$ 0.28
Dividend preferred stock, per share	$ 0.65	$ 0.65

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Operating Activities
Net Income	$ 11,638	$ 11,065
Items not requiring (providing) cash
Depreciation and amortization	1,693	1,566
Provision for loan losses	600	400
Expense of share-based compensation plan	278	303
Amortization of premiums and discounts on securities	355	547
Amortization of intangible assets	10	11
Amortization of originated mortgage servicing rights	1,230	1,132
Deferred income taxes	324	(788)
Proceeds from sale of loans held for sale	275,604	259,119
Originations of loans held for sale	(271,067)	(253,840)
Gain from sale of loans	(8,100)	(8,404)
Gain on sales of assets	(35)	(6)
Net gains on sales of securities	(70)	(119)
Originated mortgage servicing rights impairment, net	61	(77)
Changes in
Interest receivable	(997)	(313)
Other assets	(562)	(1,760)
Interest payable & other liabilities	2,888	967
Net cash provided by operating activities	13,850	9,803
Investing Activities
Purchases of available-for-sale securities	(29,281)	(29,849)
Proceeds from maturities of available-for-sale securities	18,042	22,016
Proceeds from sales of available-for-sale securities	2,185	14,488
Net change in loans	(76,503)	(51,202)
Purchase of premises, equipment	(1,999)	(3,714)
Proceeds from sales of premises, equipment	134
Proceeds from bank owned life insurance		665
Purchase of bank owned life insurance		(3,000)
Purchase of Federal Reserve Stock	(375)
Proceeds from sale of foreclosed assets	210	1,067
Net cash used in investing activities	(87,587)	(49,529)
Financing Activities
Net increase in demand deposits, money market, interest checking & savings accounts	49,308	36,425
Net increase in certificates of deposit	23,644	20,102
Net increase in securities sold under agreements to repurchase	102	4,550
Proceeds from Federal Home Loan Bank advances	13,000	5,000
Repayment of Federal Home Loan Bank advances	(15,500)	(13,000)
Net proceeds from share-based compensation plans	192	375
Stock repurchase plan	(109)	(1,785)
Issuance of common shares	27,912
Dividends on common shares	(2,090)	(1,362)
Dividends on preferred shares	(975)	(975)
Net cash provided by financing activities	95,484	49,330
Increase in cash and cash equivalents	21,747	9,604
Cash and cash equivalents, beginning of year	26,616	17,012
Cash and cash equivalents, end of year	48,363	26,616
Supplemental cash flow information
Interest paid	5,895	3,910
Income taxes paid	1,870	3,105
Transfer of loans to foreclosed assets	201	95
Transfer of loans to premises and equipment	$ 670

Organization and Summary of Sig

Organization and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2018
Organization and Summary of Significant Accounting Policies [Abstract]
Organization and Summary of Significant Accounting Policies	Note 1: Organization and Summary of Significant Accounting Policies Organization and Nature of Operations SB Financial Group, Inc. (the “Company”) is a financial holding company whose principal activity is the ownership and management of its wholly-owned subsidiaries, The State Bank and Trust Company (“State Bank”), RFCBC, Inc. (“RFCBC”), Rurbanc Data Services, Inc. dba RDSI Banking Systems (“RDSI”), and Rurban Statutory Trust II (“RST II”). State Bank owns all the outstanding stock of Rurban Mortgage Company (“RMC”), and State Bank Insurance, LLC (“SBI”). The Company is primarily engaged in providing a full range of banking and wealth management services to individual and corporate customers primarily located in Ohio, Indiana, and Michigan. The Company is subject to competition from other financial institutions, and regulated by certain federal and state agencies and undergoes periodic examinations by those regulatory authorities. Principles of Consolidation The Consolidated Financial Statements include the accounts of the Company, State Bank, RFCBC, RDSI, RMC, and SBI. All significant intercompany accounts and transactions were eliminated in consolidation. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the 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 relate to the determination of the allowance for loan losses, loan servicing rights, and fair value of financial instruments. Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2018 and 2017, cash equivalents consisted primarily of interest-bearing and noninterest bearing demand deposit balances held by correspondent banks. At December 31, 2018, none of the Company’s correspondent cash accounts exceeded federally insured limits. Additionally, the Company had approximately $32.8 million of cash held by the FRB and the FHLB, which is not federally insured. Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell the debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, the Company recognizes the credit component of an other-than-temporary impairment of the debt security in earnings and the remaining portion in other comprehensive income. Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income. Loans Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoffs, are reported at their outstanding principal balances adjusted for any charge offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Generally, loans are placed on nonaccrual status not later than 90 days past due. Past due status is based on the contractual terms of the loan. All interest accrued, but not collected for loans that are placed on nonaccrual or charged off, is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the non-collectability of a loan balance is probable. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as new information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected on the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration each of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial, agricultural, and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. When a loan moves to nonaccrual status, total unpaid interest accrued to date is reversed from income. Subsequent payments are applied to the outstanding principal balance with the interest portion of the payment recorded on the balance sheet as a contra-loan. Interest received on impaired loans may be realized once all contractual principal amounts are received or when a borrower establishes a history of six consecutive timely principal and interest payments. It is at the discretion of management to determine when a loan is placed back on accrual status upon receipt of six consecutive timely payments. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower. Premises and Equipment Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method for buildings and equipment over the estimated useful lives of the assets. Leasehold improvements are capitalized and depreciated using the straight-line method over the terms of the respective leases. Long-lived Asset Impairment The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset’s cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value. Federal Reserve Bank and Federal Home Loan Bank Stock FRB and FHLB stock are required investments for institutions that are members of the FRB and FHLB systems. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment. Foreclosed Assets Held for Sale Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of the carrying amount or the fair value less cost to sell. Revenue and expenses from operations related to foreclosed assets and changes in the valuation allowance are included in net income or expense from foreclosed assets. Goodwill Goodwill is tested for impairment annually. If the implied fair value of goodwill is lower than its carrying amount, goodwill impairment is indicated and goodwill is written down to its implied fair value. Core Deposits and Other Intangibles Intangible assets are being amortized on a straight-line basis over weighted-average periods ranging from one to fifteen years. Such assets are periodically evaluated as to the recoverability of their carrying value. Purchased software is being amortized using the straight-line method over periods ranging from one to three years. Derivatives Derivatives are recognized as assets and liabilities on the consolidated balance sheet and measured at fair value. For exchange-traded contracts, fair value is based on quoted market prices. For non-exchange traded contracts, fair value is based on dealer quotes, pricing models, discounted cash flow methodologies or similar techniques for which the determination of fair value may require significant management judgment or estimation. Mortgage Servicing Rights Mortgage servicing assets are recognized separately when rights are acquired through purchase or through sale of financial assets. Under the servicing assets and liabilities accounting guidance, (Accounting Standards Codification “ASC” 806-50), servicing rights from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment based on fair value at each reporting date. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost of service, the discount rate, the custodial earning rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing right and may result in a reduction to noninterest income. Each class of separately recognized servicing assets subsequently measured using the amortization method is evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances are reported with “Mortgage loan servicing fees, net” in the income statement. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized. Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Share-Based Employee Compensation Plan At December 31, 2018 and 2017, the Company had a share-based employee compensation plan ( see Note 17 to the Consolidated Financial Statements). Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company – put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before the maturity or the ability to unilaterally cause the holder to return specific assets. Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the term “upon examination” also includes resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries. With a few exceptions, the Company is no longer subject to U.S. Federal, State and Local examinations by tax authorities for the years before 2015. As of December 31, 2018, the Company had no uncertain income tax positions. The Company uses the specific identification (or portfolio) method for reclassifying material stranded tax effects in Accumulated Other Consolidated Income (“AOCI”) to earnings. Treasury Shares Treasury stock is stated at cost. Cost is determined by the weighted-average cost method. Earnings Per Share Earnings per common share is computed using the two-class method. Basic earnings per share represent income available to common shareholders divided by the weighted-average number of common shares outstanding during each period. Diluted earnings per share reflect additional potential common shares and convertible preferred shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options which are determined using the treasury stock method and convertible preferred shares which are determined using the converted method. Treasury stock shares are not deemed outstanding for earnings per share calculations. Comprehensive Income Comprehensive income consists of net income and other comprehensive income, net of applicable income taxes. Other comprehensive income includes unrealized appreciation (depreciation) on available-for-sale securities, and unrealized and realized gains and losses in derivative financial instruments that qualify for hedge accounting. AOCI consists solely of the cumulative unrealized gains and losses on available-for-sale securities net of income tax. New and applicable accounting pronouncements: ASU No. 2018-07: Compensation – Stock Compensation (Topic 718) This ASU expands scope of Topic 718, to include share-based payments issued to nonemployees for goods or services. Consequently, the accounting for share-based payments to nonemployees and employees will be substantially aligned. This ASU supersedes Subtopic 505-50, Equity-Based Payments to Non-Employees. The amendments in this ASU are effective for periods beginning after December 15, 2018. At this time, the Company does not recognize the existence of any nonemployee relationships involving share-based payments. ASU No. 2018-02: Income Statement – Reporting Comprehensive Income (Topic 220) This ASU provides for the reclassification of stranded tax effects in AOCI, an option rather than a requirement; however, disclosure is required if not elected. The reclassification from accumulated other comprehensive income to retained earnings results from the newly elected Federal corporate income tax rate resulting from the TCJA enacted in December 2017. The Company has adopted this ASU on December 31, 2017 and reclassified approximately $23 thousand into retained earnings. ASU No. 2016-15: Statement of Cash Flows (Topic 230) This ASU provides specific guidance for eight cash flow classifications. The intention is to ensure that this ASU will eliminate any current or future diversity in classification and reporting. The amendments in this ASU were effective for the Company for reporting periods beginning after December 15, 2017 and did not have a significant impact on the consolidated financial statements. ASU No. 2016-02: Leases (Topic 842) FASB issued ASU 2016-02, Leases. The new standard establishes a right-of-use asset model that requires a lessee to record an asset and a lease liability on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. The new standard is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. An entity may adopt the new guidance either by restating prior periods and recording a cumulative effect adjustment at the beginning of the earliest comparative period presented or by recording a cumulative effect adjustment at the beginning of the period of adoption. The Company plans to apply the standard by recording a cumulative effect adjustment at January 1, 2019. As the Company owns most of its branch locations, this ASU applied primarily to operating leases and the impact of adoption of this ASU by the Company was not material and will result in a $0.4 million increase in assets and liabilities in the Company’s consolidated balance sheets upon adoption. ASU No. 2016-01: Recognition and Measurement of Financial Assets and Liabilities (Topic 825) This ASU has a number of provisions including the requirements that public business entities use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, a separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e. securities or loans receivables), and eliminating the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. The amendment was effective for the Company in the first quarter of 2018 and did not have a significant impact on the consolidated financial statements or on fair value and other required disclosures. ASU No. 2014-09: Revenue from Contracts with Customers (Topic 606) This ASU implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of the amendment is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. ASU 2014-09 establishes a five-step model, which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue related to our mortgage servicing activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. ASU 2014-09 became effective on January 1, 2018 and had no material effect on how we recognize revenue or to our consolidated financial statements and disclosures. Interest Income – Noninterest Income – Accounting Standards not yet adopted: ASU No. 2018-13: Fair Value Measurement - Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement (Topic 820) The updated guidance improves the disclosure requirements on fair value measurements. The ASU removes certain disclosures required by Topic 820 related to transfers between Level 1 and Level 2 of the fair value hierarchy; the policy for timing of transfers between levels; the valuation processes for Level 3 fair value measurements; and for nonpublic entities, the changes in unrealized gains and losses for the period included in earnings for recurring Level 3 fair value measurements held at the end of the reporting period. The ASU modifies certain disclosures required by Topic 820 related to disclosure of transfers into and out of Level 3 of the fair value hierarchy and purchases and issues of Level 3 assets and liabilities for nonpublic entities; the requirement to disclose the timing of liquidation of an investee’s assets and the date when restrictions from redemption might lapse only if the investee has communicated the timing to the entity or announced the timing publicly for investments in certain entities that calculate net asset value; and clarification that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. The ASU adds certain disclosure requirements related to changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted-average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information in lieu of the weighted- average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. The amendments in this update become effective for fiscal years, and interim periods within those fiscal years beginning after December 15, 2019. Early adoption is permitted. The Company is currently evaluating the impact of adopting the new guidance on the consolidated financial statements, but it is not expected to have a material impact. ASU No. 2017-04: Intangibles – Goodwill and Other (Topic 350) This ASU simplifies the test for goodwill impairment. Specifically, these amendments eliminate Step 2 from the goodwill impairment test, and also eliminate the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. The amendments in this ASU are effective for annual goodwill impairment tests in fiscal years beginning after December 15, 2019, and management does not believe the changes will have a material effect on the Company’s accounting and disclosures. ASU No. 2016-13: Financial Instruments – Credit Losses (Topic 326) This ASU replaces the current GAAP incurred impairment methodology regarding credit losses with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The amendments in this update affect an entity to varying degrees depending on the credit quality of the assets held by the entity, their duration, and how the entity applies current GAAP. The amendments in this ASU are effective for reporting periods beginning after December 15, 2019, and management will need further study to determine the impact on the Company’s consolidated financial statements. The Company implemented a process to track required data by utilizing accounting software in preparation for compliance. The adoption of ASU 2016-13 is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. Furthermore, ASU 2016-13 will necessitate that we establish an allowance for expected credit losses on debt securities. While we are currently unable to reasonably estimate the impact of adopting ASU 2016-13, we expect that the impact of adoption will be significantly influenced by the composition, characteristics and quality of our loan and securities portfolios as well as the prevailing economic conditions and forecasts as of the adoption date. We anticipate being fully prepared for implementation by December 15, 2019. In December 2018, the OCC, the Federal Reserve Board, and the FDIC approved a final rule to address changes to credit loss accounting under GAAP, including banking organizations’ implementation of CECL. The final rule provides banking organizations the option to phase in over a three-year period the day-one adverse effects on regulatory capital that may result from the adoption of the new accounting standard.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Earnings Per Share	Note 2: Earnings Per Share Earnings per common share (EPS) is computed using the two-class method. Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding during the applicable period, excluding participating securities. Participating securities include non-vested restricted stock awards. Non-vested restricted stock awards are considered participating securities to the extent the holders of these securities receive non-forfeitable dividends at the same rate as holders of common shares. Diluted earnings per common share is computed using the weighted-average number of shares determined for the basic earnings per common share plus the convertible impact of preferred shares and the dilutive effect of stock compensation using the treasury stock method. EPS for the years ended December 31, 2018 and 2017 is computed as follows: Twelve Months Ended Dec., 31 ($ and outstanding shares in thousands, except per share data) 2018 2017 Distributed earnings allocated to common shares $ 2,090 $ 1,363 Undistributed earnings allocated to common shares 8,558 8,714 Net earnings allocated to common shares 10,648 10,077 Net earnings allocated to participating securities 15 13 Dividends on convertible preferred shares 975 975 Net Income allocated to common shares and participating securities $ 11,638 $ 11,065 Weighted-average shares outstanding for basic earnings per share 6,198 4,817 Dilutive effect of stock compensation 61 74 Dilutive effect of convertible shares 1,460 1,460 Weighted-average shares outstanding for diluted earnings per share 7,719 6,351 Basic earnings per common share $ 1.72 $ 2.10 Diluted earnings per common share $ 1.51 $ 1.74 There were no anti-dilutive shares in 2018 or 2017.

Available-for-Sale Securities

Available-for-Sale Securities	12 Months Ended
	Dec. 31, 2018
Available-for-Sale Securities [Abstract]
Available-for-Sale Securities	Note 3: Available-for-Sale Securities The amortized cost and appropriate fair values, together with gross unrealized gains and losses, of available-for-sale securities are as follows: Gross Gross Amortized Unrealized Unrealized ($ in thousands) Cost Gains Losses Fair Value December 31, 2018: U.S. Treasury and Government agencies $ 18,597 $ 187 $ (114 ) $ 18,670 Mortgage-backed securities 61,868 114 (1,039 ) 60,943 State and political subdivisions 11,203 180 (27 ) 11,356 Totals $ 91,668 $ 481 $ (1,180 ) $ 90,969 Gross Gross Amortized Unrealized Unrealized ($ in thousands) Cost Gains Losses Fair Value December 31, 2017: U.S. Treasury and Government agencies $ 12,715 $ 62 $ (69 ) $ 12,708 Mortgage-backed securities 57,355 97 (690 ) 56,762 State and political subdivisions 12,829 439 (18 ) 13,250 Equity securities 70 - - 70 Totals $ 82,969 $ 598 $ (777 ) $ 82,790 The amortized cost and fair value of securities available-for-sale at December 31, 2018, by contractual maturity, are shown below. Expected maturities differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair ($ in thousands) Cost Value Within one year $ 2,199 $ 2,223 Due after one year through five years 9,457 9,452 Due after five years through ten years 13,578 13,707 Due after ten years 4,566 4,644 29,800 30,026 Mortgage-backed securities 61,868 60,943 Totals $ 91,668 $ 90,969 The fair value of securities pledged as collateral, to secure public deposits and for other purposes, was $30.7 million at December 31, 2018, and $38.9 million at December 31, 2017. Securities delivered for repurchase agreements (not included above) were $17.9 million at December 31, 2018 and $19.1 million at December 31, 2017. Gross gains of $0.07 million was a reclassification from accumulated other comprehensive income and is included in the net gain on sales of securities for 2018. Gross gains of $0.13 million, and gross losses of $0.01 million was a reclassification from accumulated other comprehensive income and is included in the net gain on sales of securities for 2017. The related tax expense for net security gains for 2018 was $0.01 million and for 2017 was $0.04 million and was a reclassification from accumulated other comprehensive income and is included in the income tax expense line in the income statement. Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2018 and 2017, was $59.0 million and $59.3 million, respectively, which was approximately 65 percent and 72 percent, respectively, of the Company’s available-for-sale investment portfolio. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are temporary. Should the impairment of any of these securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified. The following tables present securities with unrealized losses at December 31, 2018 and 2017: ($ in thousands) Less than 12 Months 12 Months or Longer Total December 31, 2018 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ 1,417 $ (8 ) $ 7,870 $ (106 ) $ 9,287 $ (114 ) Mortgage-backed securities 10,613 (54 ) 37,495 (985 ) 48,108 (1,039 ) State and political subdivisions 417 (6 ) 1,159 (21 ) 1,576 (27 ) Totals $ 12,447 $ (68 ) $ 46,524 $ (1,112 ) $ 58,971 $ (1,180 ) ($ in thousands) Less than 12 Months 12 Months or Longer Total December 31, 2017 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ 5,675 $ (27 ) $ 2,559 $ (42 ) $ 8,234 $ (69 ) Mortgage-backed securities 35,205 (319 ) 14,673 (371 ) 49,878 (690 ) State and political subdivisions 905 (4 ) 326 (14 ) 1,231 (18 ) Totals $ 41,785 $ (350 ) $ 17,558 $ (427 ) $ 59,343 $ (777 ) The unrealized loss on the securities portfolio has increased by $0.4 million as of December 31, 2018, from the prior year. Management reviews these securities on a quarterly basis and has determined that no impairment exists. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concern warrants such evaluation. When the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2018
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	Note 4: Loans and Allowance for Loan Losses The following tables present the categories of loans at December 31, 2018 and 2017: Total Loans Nonaccrual Loans ($ in thousands) 2018 2017 2018 2017 Commercial & industrial $ 127,041 $ 101,554 $ 731 $ 121 Commercial real estate & construction 340,791 332,154 218 1,322 Agricultural & farmland 52,012 51,947 - - Residential real estate 187,104 150,854 1,738 1,123 Consumer & other 64,336 59,619 219 138 Total loans $ 771,284 $ 696,128 $ 2,906 $ 2,704 Unearned income $ 599 $ 487 Total loans, net of unearned income $ 771,883 $ 696,615 Allowance for loan losses $ (8,167 ) $ (7,930 ) The Company makes commercial, agri-business, consumer and residential loans to customers throughout its defined market area. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the customer. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Forward sale commitments are commitments to sewealth ll groups of residential mortgage loans that the Company originates or purchases as part of its mortgage banking activities. The Company commits to sell the loans at specified prices in a future period, typically within forty-five days. These commitments are acquired to reduce market risk on mortgage loans in the process of origination and mortgage loans held-for-sales since the Company is exposed to interest rate risk during the period between issuing a loan commitment and the sales of the loan into the secondary market. Listed below is a summary of loan commitments, unused lines of credit and standby letters of credit as of December 31, 2018 and 2017. ($ in thousands) 2018 2017 Loan commitments and unused lines of credit $ 168,731 $ 170,437 Standby letters of credit 2,145 1,643 Total $ 170,876 $ 172,080 There are various contingent liabilities that are not reflected in the consolidated financial statements, including claims and legal actions arising in the ordinary course of business. In the opinion of management, after consultation with legal counsel, the ultimate disposition of these matters is not expected to have a material effect on the Company’s consolidated financial condition or results of operations. The risk characteristics of each loan portfolio segment are as follows: Commercial and Agricultural Commercial and agricultural loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and may include a personal guarantee. Short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers. Commercial Real Estate including Construction Commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing the Company’s commercial real estate portfolio are diverse, but with geographic location almost entirely in the Company’s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied commercial real estate versus nonowner-occupied loans. Construction loans are underwritten utilizing feasibility studies, independent appraisal reviews and financial analysis of the developers and property owners. Construction loans are generally based on estimates of costs and value associated with the completed project. These estimates may be inaccurate. Construction loans often involve the disbursement of substantial funds with repayment substantially dependent on the success of the ultimate project. Sources of repayment for these types of loans may be pre-committed permanent loans from approved long-term lenders, sales of developed property or an interim loan commitment from the Company until permanent financing is obtained. These loans are closely monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, governmental regulation of real property, general economic conditions and the availability of long-term financing. Residential and Consumer Residential and consumer loans consist of two segments – residential mortgage loans and personal loans. Residential mortgage loans are secured by 1-4 family residences and are generally owner-occupied, and the Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences, and consumer personal loans are secured by consumer personal assets, such as automobiles or recreational vehicles. Some consumer personal loans are unsecured, such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that these loans are of smaller individual amounts and spread over a large number of borrowers. The following tables present the balance of the allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2018 and 2017: Commercial Commercial RE Agricultural Residential Consumer ($ in thousands) & Industrial & Construction & Farmland Real Estate & Other Total For the Twelve Months Ended December 31, 2018 Beginning balance $ 823 $ 3,779 $ 505 $ 2,129 $ 694 $ 7,930 Charge offs (227 ) (42 ) - (30 ) (108 ) (407 ) Recoveries 1 28 - 2 13 44 Provision 838 (842 ) (23 ) 466 161 600 Ending Balance $ 1,435 $ 2,923 $ 482 $ 2,567 $ 760 $ 8,167 Loans Receivable at December 31, 2018 Allowance: Ending balance: individually evaluated for impairment $ 61 $ - $ - $ 73 $ 4 $ 138 Ending balance: collectively evaluated for impairment $ 1,374 $ 2,923 $ 482 $ 2,494 $ 756 $ 8,029 Loans: Ending balance: individually evaluated for impairment $ 700 $ 283 $ - $ 2,111 $ 190 $ 3,284 Ending balance: collectively evaluated for impairment $ 126,341 $ 340,508 $ 52,012 $ 184,993 $ 64,146 $ 768,000 Commercial Commercial RE Agricultural Residential Consumer ($ in thousands) & Industrial & Construction & Farmland Real Estate & Other Total For the Twelve Months Ended December 31, 2017 Beginning balance $ 1,204 $ 3,321 $ 347 $ 1,963 $ 890 $ 7,725 Charge offs (50 ) (26 ) - (61 ) (94 ) (231 ) Recoveries 5 2 5 6 18 36 Provision (336 ) 482 153 221 (120 ) 400 Ending Balance $ 823 $ 3,779 $ 505 $ 2,129 $ 694 $ 7,930 Loans Receivable at December 31, 2017 Allowance: Ending balance: individually evaluated for impairment $ - $ 146 $ - $ 178 $ 5 $ 329 Ending balance: collectively evaluated for impairment $ 823 $ 3,633 $ 505 $ 1,951 $ 689 $ 7,601 Loans: Ending balance: individually evaluated for impairment $ - $ 1,385 $ - $ 1,830 $ 197 $ 3,412 Ending balance: collectively evaluated for impairment $ 101,554 $ 330,769 $ 51,947 $ 149,024 $ 59,422 $ 692,716 Credit Risk Profile The Company categorizes loans into risk categories (loan grades) based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes loans with an outstanding balance greater than $100,000 and non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a quarterly basis. The Company uses the following definitions for risk ratings: Pass (grades 1 – 4): Special Mention (grade 5): Substandard (grade 6): Doubtful (grade 7): Loss (grade 8): The following tables present the credit risk profile of the Company’s loan portfolio based on rating category as of December 31, 2018 and 2017: ($ in thousands) Commercial Commercial RE Agricultural Residential Consumer December 31, 2018 & Industrial & Construction & Farmland Real Estate & Other Total 1-2 $ 195 $ - $ - $ - $ - $ 195 3 19,849 94,669 8,277 145,020 62,345 330,160 4 103,817 244,170 43,425 39,561 1,657 432,630 Total Pass (1 - 4) 123,861 338,839 51,702 184,581 64,002 762,985 Special Mention (5) 680 20 310 - - 1,010 Substandard (6) 2,305 1,714 - 2,488 334 6,841 Doubtful (7) 195 218 - 35 - 448 Loss (8) - - - - - - Total Loans $ 127,041 $ 340,791 $ 52,012 $ 187,104 $ 64,336 $ 771,284 ($ in thousands) Commercial Commercial RE Agricultural Residential Consumer December 31, 2017 & Industrial & Construction & Farmland Real Estate & Other Total 1-2 $ 96 $ 13 $ - $ 832 $ 1 $ 942 3 19,883 93,222 8,080 114,130 57,204 292,519 4 80,448 236,217 43,735 34,271 2,151 396,822 Total Pass (1 - 4) 100,427 329,452 51,815 149,233 59,356 690,283 Special Mention (5) 512 1,100 132 - 66 1,810 Substandard (6) 7 580 - 1,583 197 2,367 Doubtful (7) 608 1,022 - 38 - 1,668 Loss (8) - - - - - - Total Loans $ 101,554 $ 332,154 $ 51,947 $ 150,854 $ 59,619 $ 696,128 The Company evaluates the loan risk grading system definitions and allowance for loan loss methodology on an ongoing basis. The Company uses a five-year average of historical losses for the general component of the allowance for loan loss calculation. No significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the periods presented. The following tables present the Company’s loan portfolio aging analysis as of December 31, 2018 and 2017: ($ in thousands) 30-59 Days 60-89 Days Greater Than Total Past Total Loans December 31, 2018 Past Due Past Due 90 Days Due Current Receivable Commercial & industrial $ 120 $ - $ 661 $ 781 $ 126,260 $ 127,041 Commercial RE & construction 342 1 - 343 340,448 340,791 Agricultural & farmland - - - - 52,012 52,012 Residential real estate 2,391 824 372 3,587 183,517 187,104 Consumer & other 177 79 78 334 64,002 64,336 Total Loans $ 3,030 $ 904 $ 1,111 $ 5,045 $ 766,239 $ 771,284 ($ in thousands) 30-59 Days 60-89 Days Greater Than Total Past Total Loans December 31, 2017 Past Due Past Due 90 Days Due Current Receivable Commercial & industrial $ 85 $ - $ 88 $ 173 $ 101,381 $ 101,554 Commercial RE & construction 110 - 1,086 1,196 330,958 332,154 Agricultural & farmland - - - - 51,947 51,947 Residential real estate 484 379 433 1,296 149,558 150,854 Consumer & other 182 21 103 306 59,313 59,619 Total Loans $ 861 $ 400 $ 1,710 $ 2,971 $ 693,157 $ 696,128 All loans past due 90 days are systematically placed on nonaccrual status. A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable that the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in TDRs where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The following tables present impaired loan activity for the twelve months ended December 31, 2018 and 2017: ($ in thousands) Twelve Months Ended Recorded Unpaid Principal Related Average Recorded Interest Income December 31, 2018 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ 575 $ 802 $ - $ 370 $ 21 Commercial RE & construction 283 283 - 336 21 Agricultural & farmland - - - - - Residential real estate 1,249 1,292 - 1,995 91 Consumer & other 113 113 - 125 8 With a specific allowance recorded: Commercial & industrial 125 125 61 127 21 Commercial RE & construction - - - - - Agricultural & farmland - - - - - Residential real estate 862 888 73 426 20 Consumer & other 77 77 4 91 6 Totals: Commercial & industrial $ 700 $ 927 $ 61 $ 497 $ 42 Commercial RE & construction $ 283 $ 283 $ - $ 336 $ 21 Agricultural & farmland $ - $ - $ - $ - $ - Residential real estate $ 2,111 $ 2,180 $ 73 $ 2,421 $ 111 Consumer & other $ 190 $ 190 $ 4 $ 216 $ 14 ($ in thousands) Twelve Months Ended Recorded Unpaid Principal Related Average Recorded Interest Income December 31, 2017 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ - $ - $ - $ - $ - Commercial RE & construction 696 722 - 756 34 Agricultural & farmland - - - - - Residential real estate 752 795 - 1,460 67 Consumer & other 110 110 - 128 9 With a specific allowance recorded: Commercial & industrial - - - - - Commercial RE & construction 689 689 146 713 - Agricultural & farmland - - - - - Residential real estate 1,078 1,097 178 628 25 Consumer & other 87 87 5 91 5 Totals: Commercial & industrial $ - $ - $ - $ - $ - Commercial RE & construction $ 1,385 $ 1,411 $ 146 $ 1,469 $ 34 Agricultural & farmland $ - $ - $ - $ - $ - Residential real estate $ 1,830 $ 1,892 $ 178 $ 2,088 $ 92 Consumer & other $ 197 $ 197 $ 5 $ 219 $ 14 Impaired loans less than $100,000 are included in groups of homogenous loans. These loans are evaluated based on delinquency status. Interest income recognized on a cash basis does not materially differ from interest income recognized on an accrual basis. Troubled Debt Restructured (TDR) Loans TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. TDR Concession Types The Company’s standards relating to loan modifications consider, among other factors, minimum verified income requirements, cash flow analysis, and collateral valuations. Each potential loan modification is reviewed individually and the terms of the loan are modified to meet a borrower’s specific circumstances at a point in time. All loan modifications, including those classified as TDRs, are reviewed and approved. The types of concessions provided to borrowers include: ● Interest rate reduction: A reduction of the stated interest rate to a nonmarket rate for the remaining original life of the debt. The Company also may grant interest rate concessions for a limited timeframe on a case by case basis. ● Amortization or maturity date change beyond what the collateral supports, including a change that does any of the following: (1) Lengthens the amortization period of the amortized principal beyond market terms. This concession reduces the minimum monthly payment and increases the amount of the balloon payment at the end of the term of the loan. Principal is generally not forgiven. (2) Reduces the amount of loan principal to be amortized. This concession also reduces the minimum monthly payment and increases the amount of the balloon payment at the end of the term of the loan. Principal is generally not forgiven. (3) Extends the maturity date or dates of the debt beyond what the collateral supports. This concession generally applies to loans without a balloon payment at the end of the term of the loan. In addition, there may be instances where renewing loans potentially require non-market terms and would then be reclassified as TDRs. ● Other: A concession that is not categorized as one of the concessions described above. These concessions include, but are not limited to: principal forgiveness, collateral concessions, covenant concessions, and reduction of accrued interest. Principal forgiveness may result from any TDR modification of any concession type. There were no new TDRs during the period ended December 31, 2018 and December 31, 2017. There was no increase in the allowance for loan losses due to TDRs in the twelve-month period ended December 31, 2018 and December 31, 2017. There were no TDRs that were originated and subsequently defaulted in the twelve-month period ended December 31, 2018 and December 31, 2017.

Mortgage Banking and Servicing

Mortgage Banking and Servicing Rights	12 Months Ended
	Dec. 31, 2018
Mortgage Banking and Servicing Rights [Abstract]
Mortgage Banking and Servicing Rights	Note 5: Mortgage Banking and Servicing Rights Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balance of mortgage loans serviced for others approximated $1,084.7 million and $994.9 million at December 31, 2018 and 2017, respectively. Contractually specified servicing fees of approximately $2.6 million and $2.4 million were included in mortgage loan servicing fees in the income statement for the years ended December 31, 2018 and 2017, respectively. The following table summarizes mortgage servicing rights capitalized and related amortization, along with activity in the related valuation allowance: ($ in thousands) 2018 2017 Carrying amount, beginning of year $ 9,907 $ 8,422 Mortgage servicing rights capitalized during the year 2,749 2,540 Mortgage servicing rights amortization during the year (1,230 ) (1,132 ) Net change in valuation allowance (61 ) 77 Carrying amount, end of year $ 11,365 $ 9,907 Valuation allowance: Beginning of year $ 151 $ 228 Increase (reduction) 61 (77 ) End of year $ 212 $ 151 Fair value, beginning of period $ 11,338 $ 9,656 Fair value, end of period $ 12,672 $ 11,338

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2018
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments	Note 6: Derivative Financial Instruments The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company manages its exposures to a wide variety of business and operational risks primarily through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities and through the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing and duration of the Company’s known or expected cash payments principally related to certain variable-rate assets. The Company does not use derivatives for trading or speculative purposes. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain customers. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of December 31, 2018, the notional amount of customer-facing swaps was approximately $49.9 million, as compared to $39.3 million at December 31, 2017. This amount is offset with third party counterparties, as described above. The Company has minimum collateral posting thresholds with its derivative counterparties. As of December 31, 2018, the Company had no cash posted as collateral. Fair Values of Derivative Instruments on the Balance Sheet The table below presents the fair value of the Company’s derivative financial instruments, as well as their classification on the Balance Sheet, as of December 31, 2018 and 2017. Asset Derivatives Liability Derivatives ($ in thousands) Balance Sheet Fair Balance Sheet Fair December 31, 2018 Location Value Location Value Derivatives not designated as hedging instruments: Interest rate contracts Other Assets $ 687 Other Liabilities $ 687 Asset Derivatives Liability Derivatives ($ in thousands) Balance Sheet Fair Balance Sheet Fair December 31, 2017 Location Value Location Value Derivatives not designated as hedging instruments: Interest rate contracts Other Assets $ 698 Other Liabilities $ 698 The Company’s derivative financial instruments had no net effect on the income statement for the years ended December 31, 2018 and 2017.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2018
Premises and Equipment [Abstract]
Premises and Equipment	Note 7: Premises and Equipment Major classifications of premises and equipment stated at cost were as follows at December 31: ($ in thousands) 2018 2017 Land $ 3,561 $ 3,514 Buildings and improvements 24,251 23,496 Equipment 11,995 11,564 Construction in process 1,098 404 40,905 38,978 Less accumulated depreciation (18,821 ) (17,701 ) Net premises and equipment $ 22,084 $ 21,277 For the coming year, the Company has plans, but no commitments, for premises and equipment purchases. These expenditures will be funded by cash on hand and from cash generated from current operations.

Goodwill and Intangibles

Goodwill and Intangibles	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangibles [Abstract]
Goodwill and Intangibles	Note 8: Goodwill and Intangibles The balance of goodwill as of December 31, 2018 and December 31, 2017 was $16.4 million. No changes in goodwill were noted during either year. Goodwill is tested on the last day of the last quarter of each calendar year. Impairment exists when a reporting unit’s carrying value of goodwill exceeds its fair value. At December 31, 2018, the Company’s reporting unit had positive equity and the Company elected to perform a qualitative assessment to determine if it was more likely than not that the fair value of the reporting unit exceeded its carrying value, including goodwill. The qualitative assessment indicated that it was more likely than not that the fair value of the reporting unit exceeded its carrying value, resulting in no impairment. Carrying basis and accumulated amortization of intangible assets were as follows at December 31: 2018 2017 ($ in thousands) Gross Carrying Accumulated Gross Carrying Accumulated Amount Amortization Amount Amortization Core deposits intangible $ 4,698 $ (4,688 ) $ 4,698 $ (4,682 ) Customer relationship intangible 200 (162 ) 200 (158 ) Banking intangibles $ 4,898 $ (4,850 ) $ 4,898 $ (4,840 ) Amortization expense for intangibles for the years ended December 31, 2018 and 2017 was $0.01 and $0.01 million, respectively. Estimated amortization expense for each of the following five years is immaterial.

Interest-Bearing Deposits

Interest-Bearing Deposits	12 Months Ended
	Dec. 31, 2018
Interest-Bearing Deposits/ Federal Home Loan Bank Advances [Abstract]
Interest Bearing Deposits	Note 9: Interest-Bearing Deposits Interest-bearing time deposits in denominations of $250,000 or more totaled $26.6 million on December 31, 2018 and $27.9 million on December 31, 2017. Certificates of deposit obtained from brokers totaled approximately $13.2 million and $10.7 million at December 31, 2018 and 2017, respectively, and mature between 2019 and 2021. At December 31, 2018, the scheduled maturities of time deposits were as follows: ($ in thousands) 2019 $ 144,833 2020 56,223 2021 21,724 2022 16,596 2023 1,703 Thereafter 383 Total $ 241,462 Included in time deposits at December 31, 2018 and 2017 were $72.6 million and $55.4 million, respectively, of deposits which were obtained through the Certificate of Deposit Account Registry Service (“CDARS”). This service allows deposit customers to maintain fully insured balances in excess of the $250,000 FDIC limit without the inconvenience of having multi-banking relationships. Under the reciprocal program that the Company is currently participating in, customers agree to allow their deposits to be placed with other participating banks in the CDARS program in insurable amounts under $250,000. In exchange, other banks in the program agree to place their deposits with the Company also in insurable amounts under $250,000.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2018
Short-Term Borrowings [Abstract]
Short-Term Borrowings	Note 10: Short-Term Borrowings ($ in thousands) 2018 2017 Securities Sold Under Repurchase Agreements $ 15,184 $ 15,082 The Company has retail repurchase agreements to facilitate cash management transactions with commercial customers. Securing these obligations are agency securities ($3.1 and $4.3 million for 2018 and 2017 respectively) and mortgage-backed securities ($14.8 and $14.8 million for 2018 and 2017 respectively), which is held at the FHLB. This collateral has maturities from 2022 through 2044. At December 31, 2018, retail repurchase agreements totaled $15.2 million. The maximum amount of outstanding agreements at any month end during 2018 and 2017 totaled $18.3 and $18.4 million, respectively, and the monthly average of such agreements totaled $16.5 and $12.4 million, respectively. The retail repurchase agreements mature within one month. At December 31, 2018 and December 31, 2017, the Company had $41.0 and $38.0 million, respectively, in federal funds lines, of which none were drawn.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances	12 Months Ended
	Dec. 31, 2018
Interest-Bearing Deposits/ Federal Home Loan Bank Advances [Abstract]
Federal Home Loan Bank Advances	Note 11: Federal Home Loan Bank Advances The FHLB advances were secured by $148.0 million in mortgage loans at December 31, 2018. Advances, at interest rates from 1.84 to 2.93 percent, are subject to restrictions or penalties in the event of prepayment. Aggregate annual maturities of FHLB advances at December 31, 2018, were: ($ in thousands) Debt 2019 $ - 2020 8,000 2021 2,500 2022 3,000 2023 2,500 Total $ 16,000

Trust Preferred Securities

Trust Preferred Securities	12 Months Ended
	Dec. 31, 2018
Trust Preferred Securities [Abstract]
Trust Preferred Securities	Note 12: Trust Preferred Securities On September 15, 2005, RST II, a wholly-owned subsidiary of the Company, closed a pooled private offering of 10,000 Capital Securities with a liquidation amount of $1,000 per security. The proceeds of the offering were loaned to the Company in exchange for junior subordinated debentures with terms similar to the Capital Securities. Distributions on the Capital Securities are payable quarterly at a variable rate that is based upon the 3-month LIBOR plus 1.80 percent and are included in interest expense in the consolidated financial statements. These securities may be included in Tier 1 capital and may be prepaid at anytime without penalty (with certain limitations applicable) under current regulatory guidelines and interpretations. The balance of the Capital Securities as of December 31, 2018 and 2017 was $10.3 million, with a maturity date of September 15, 2035.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
Income Taxes [Abstract]
Income Taxes	Note 13: Income Taxes The provision for income taxes includes these components: For The Year Ended ($ in thousands) 2018 2017 Taxes currently payable $ 2,482 $ 3,348 Impact of TCJA - (1,730 ) Deferred provision 324 942 Income tax expense $ 2,806 $ 2,560 A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: For The Year Ended ($ in thousands) 2018 2017 Computed at the statutory rate (21% and 34%) $ 3,033 $ 4,633 Increase (decrease) resulting from Tax exempt interest (118 ) (200 ) BOLI income (75 ) (142 ) Impact of TCJA - (1,730 ) Stock compensation (43 ) (77 ) Other 9 76 Actual tax expense $ 2,806 $ 2,560 The tax effects of temporary differences related to deferred taxes shown on the balance sheets are: For The Year Ended ($ in thousands) 2018 2017 Deferred tax assets Allowance for loan losses $ 1,715 $ 1,665 Net deferred loan fees 61 63 Unrealized losses on available-for-sale securities 147 38 Other 215 165 2,138 1,931 Deferred tax liabilities Depreciation (950 ) (926 ) Mortgage servicing rights (2,464 ) (2,162 ) Purchase accounting adjustments (1,162 ) (1,102 ) Prepaids (205 ) (169 ) FHLB stock dividends (288 ) (288 ) (5,069 ) (4,647 ) Net deferred tax liability $ (2,931 ) $ (2,716 ) The United States Congress enacted significant change to the US tax code on December 22, 2017. Among other changes, the TCJA reduced the US Federal corporate tax rate from 35 percent to 21 percent effective January 1, 2018. For deferred tax assets and liabilities, amounts were remeasured based on the rates expected to reverse in the future, which was 21 percent. As noted above, the Company realized a one-time tax credit due to the TCJA of $1.7 million in 2017.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2018
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	Note 14: Accumulated Other Comprehensive Loss The following table presents reclassifications out of accumulated other comprehensive loss related to unrealized gains and losses on available-for-sale securities for the two years ending December 31: ($ in thousands) 2018 2017 Affected Line Item in Income Statement Realized gains included in net income $ 70 $ 119 Gains on investment securities 70 119 Income before income taxes Tax effect (15 ) (40 ) Provision for income taxes Net of Tax $ 55 $ 79 Net income

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2018
Regulatory Matters [Abstract]
Regulatory Matters	Note 15: Regulatory Matters As of December 31, 2018, based on its call report computations, State Bank was classified as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, State Bank must maintain capital ratios as set forth in the table below. There are no conditions or events since December 31, 2018 that management believes have changed State Bank’s capital classification. State Bank’s actual capital amounts and ratios are presented in the following table. Capital levels are presented for the State Bank only as the Company is exempt from quarterly reporting at the holding company level: To Be Well Capitalized Under Prompt Adequacy Corrective Action Actual Purposes Procedures ($ in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Tier I Capital to average assets $ 110,022 11.23 % $ 39,183 4.0 % $ 48,979 5.0 % Tier I Common equity capital to risk-weighted assets 110,022 12.57 % 39,386 4.5 % 56,890 6.5 % Tier I Capital to risk-weighted assets 110,022 12.57 % 52,514 6.0 % 70,019 8.0 % Total Risk-based capital to risk-weighted assets 118,189 13.50 % 70,019 8.0 % 87,524 10.0 % As of December 31, 2017 Tier I Capital to average assets $ 83,807 9.72 % $ 34,477 4.0 % $ 43,097 5.0 % Tier I Common equity capital to risk-weighted assets 83,807 10.54 % 35,786 4.5 % 51,691 6.5 % Tier I Capital to risk-weighted assets 83,807 10.54 % 47,715 6.0 % 63,620 8.0 % Total Risk-based capital to risk-weighted assets 91,737 11.54 % 63,620 8.0 % 79,524 10.0 % The above minimum capital requirements exclude the capital conservation buffer required to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers. The capital conservation buffer is phasing in from 0.0 percent for 2015 to 2.50 percent for 2019. The capital conservation buffer was 1.875 percent at December 31, 2018 and was fully phased in to 2.50 percent at January 1, 2019. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes as of December 31, 2018, State Bank met all capital adequacy requirements to which they are subject.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2018
Employee Benefits [Abstract]
Employee Benefits	Note 16: Employee Benefits The Company has instituted a long-term incentive program, with the objective of rewarding senior management with restricted shares of the Company, in addition to the existing stock option program (see Note 17 to the Consolidated Financial Statements). The Company has a retirement savings 401(k) plan covering substantially all employees. The Company contributes a safe harbor matching contribution equal to 100% of an employees’ salary deferral amounts up to 4% of the employees’ eligible compensation. Employees are immediately vested in their voluntary contributions and in any Company safe harbor matching contributions. Any discretionary contribution made by the Company is fully vested after three years of credited service. Employer contributions charged to expense for 2018 and 2017 were $0.5 and $0.5 million, respectively. Also, the Company has Supplemental Executive Retirement Plan (“SERP”) Agreements with certain active and retired officers. The agreements provide monthly payments for up to 15 years that equal 15 percent to 25 percent of average compensation prior to retirement or death. The charges to expense for the current agreements were $0.3 and $0.2 million for 2018 and 2017, respectively. Additional life insurance is provided to certain officers through a bank-owned life insurance policy (“BOLI”). By way of a separate split-dollar agreement, the policy interests are divided between the Company and the insured’s beneficiary. The Company owns the policy cash value and a portion of the policy net death benefit, over and above the cash value assigned to the insured’s beneficiary. The cash surrender value of all life insurance policies totaled $16.8 and $16.5 million at December 31, 2018 and 2017, respectively. The Company has a noncontributory employee stock ownership plan (“ESOP”) covering substantially all employees of the Company and its subsidiaries. Voluntary contributions are made by the Company to the plan. Each eligible employee is vested based upon years of service, including prior years of service. The Company’s contributions to the account of each employee become fully vested after three years of service. Benefit expense for the value of the stock purchased is recorded equal to the fair market value of the stock when contributions, which are determined annually by the Board of Directors of the Company, are made to the ESOP. Allocated shares in the ESOP at December 31, 2018 and 2017, were 440,359 and 457,136, respectively. Dividends on allocated shares are recorded as dividends and charged to retained earnings. Compensation expense is recorded equal to the fair market value of the stock when contributions, which are determined annually by the Board of Directors of the Company, are made to the ESOP. ESOP expense for the years ended December 31, 2018 and 2017 was $0.2 and $0.2 million, respectively.

Share Based Compensation Plan

Share Based Compensation Plan	12 Months Ended
	Dec. 31, 2018
Share Based Compensation Plan [Abstract]
Share Based Compensation Plan	Note 17: Share Based Compensation Plan In April 2017, the shareholders approved a new share-based incentive compensation plan, the SB Financial Group, Inc. 2017 Stock Incentive Plan (the “2017 Plan”), which replaced the Company’s 2008 Stock Incentive Plan. This plan permits the grant or award of incentive stock options, nonqualified stock options, stock appreciation rights (“SAR’s”), restricted stock, and restricted stock units (“RSU’s”) for up to 500,000 Common Shares of the Company. The 2008 Plan, which was approved by the shareholders in April 2008, permitted the grant or award of incentive stock options, nonqualified stock options, stock appreciation rights (“SARs”), and restricted stock for up to 250,000 Common Shares of the Company. The 2008 and 2017 Plans are intended to advance the interests of the Company and its shareholders by offering employees, directors and advisory board members of the Company and its subsidiaries an opportunity to acquire or increase their ownership interest in the Company through grants of equity-based awards. The Plans permit equity-based awards to be used to attract, motivate, reward and retain highly competent individuals upon whose judgment, initiative, leadership and efforts are key to the success of the Company by encouraging those individuals to become shareholders of the Company. Option awards are granted with an exercise price equal to the market price of the Company’s stock at the date of grant and those option awards vest based on 5 years of continuous service and have 10-year contractual terms. The fair value of each option award was estimated on the date of grant using the Black-Scholes valuation model. No options were granted in 2018 or 2017. There was no compensation expense charged against income with respect to option awards under the Plans for 2018 or 2017. A summary of incentive stock option activity under the Company’s plans as of December 31, 2018 and changes during the year ended is presented below: Shares Weighted-Average Exercise Price Weighted-Average Remaining Term Aggregate Intrinsic Value Outstanding, beginning of year 92,500 $ 6.97 Granted - - Exercised (28,500 ) 6.92 Forfeited - - Expired - - Outstanding, end of year 64,000 $ 6.99 1.11 $ 605,225 Exercisable, end of year 64,000 $ 6.99 1.11 $ 605,225 During 2018, the 28,500 option shares exercised had a total intrinsic value of $0.4 million and the cash received from these exercised options was $0.1 million. The tax benefit from these transactions was immaterial. As of December 31, 2018, there was no unrecognized compensation cost related to incentive option share-based compensation arrangements granted under the 2008 Plan. On February 5, 2013, the Company adopted a Long Term Incentive (“LTI”) Plan. The LTI Plan awards restricted stock in the Company to certain key executives under the 2008 and 2017 Plans. These restricted stock awards vest over a four-year period and are intended to assist the Company in retention of key executives. During 2018 and 2017, the Company met certain performance targets and restricted stock awards were approved by the Board. The compensation cost charged against income for the LTI Plan was $0.3 and $0.3 million for 2018 and 2017, respectively. The total income tax benefit recognized in the income statement for share-based compensation arrangements was $0.1 and $0.1 million for 2018 and 2017, respectively. A summary of restricted stock activity under the Company’s LTI Plan as of December 31, 2018 (issued under both the 2008 and 2017 plan) and changes during the year ended is presented below: Shares Weighted-Average Value per Share Nonvested, beginning of year 52,258 $ 14.91 Granted 16,268 17.66 Vested (21,632 ) 13.95 Forfeited - - Nonvested, end of year 46,894 $ 16.31 As of December 31, 2018, there was $0.5 million of total unrecognized compensation cost related to non-vested share-based compensation arrangements related to the restricted stock awards under the 2008 and 2017 Plan which were granted in accordance with the LTI Plan. That cost is expected to be recognized over a weighted-average period of 1.75 years.

Preferred Stock

Preferred Stock	12 Months Ended
	Dec. 31, 2018
Preferred Stock [Abstract]
Preferred Stock	Note 18: Preferred Stock On December 23, 2014, the Company completed its public offering of 1,500,000 depositary shares, each representing a 1/100 th Each Series A Preferred Share, at the option of the holder, is convertible at any time into the number of common shares equal to $1,000 divided by the conversion price then in effect, which at December 31, 2018, was $10.1860. On or after the fifth anniversary of the issue date of the Series A Preferred Shares (December 23, 2019), the Company may require all holders of Series A Preferred Shares (and, therefore, depositary shares) to convert their shares into common shares of the Company, provided the Company’s common share price exceeds 120 percent of the current conversion price of $10.19, or $12.23. The conversion price may be impacted by the quarterly dividend paid on the common shares. At December 31, 2018, the aggregate number of common shares issuable upon the conversion of outstanding Series A Preferred Shares was 1,472,125.

Disclosures about Fair Value of

Disclosures about Fair Value of Assets and Liabilities	12 Months Ended
	Dec. 31, 2018
Disclosures about Fair Value of Assets and Liabilities [Abstract]
Disclosures About Fair Value of Assets and Liabilities	Note 19: Disclosures About Fair Value of Assets and Liabilities Pursuant to ASC 820, fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. A three level hierarchy exists in ASC 820 for fair value measurements based upon the inputs to the valuation of an asset or liability: Level 1: Level 2: Level 3: Following is a description of the valuation methodologies, inputs used for assets measured at fair value on a recurring basis, recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. Available-for-sale securities The fair value of available-for-sale securities are determined by various valuation methodologies. Level 1 securities include money market mutual funds. Level 1 inputs include quoted prices in an active market. Level 2 securities include U.S. government agencies, mortgage-backed securities and obligations of political and state subdivisions. Level 2 inputs do not include quoted prices for individual securities in active markets; however, they do include inputs that are either directly or indirectly observable for the individual security being valued. Such observable inputs include interest rates and yield curves at commonly quoted intervals, volatilities, prepayment speeds, credit risks and default rates. Also included are inputs derived principally from or corroborated by observable market data by correlation or other means. Interest rate contracts The fair values of interest rate contracts are based upon the estimated amount the Company would receive or pay to terminate the contracts or agreements, taking into account underlying interest rates, creditworthiness of underlying customers for credit derivatives and, when appropriate, the creditworthiness of the counterparties. The following table presents the fair value measurements of securities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at December 31, 2018 and 2017: Fair Value Measurements Using: ($ in thousands) Available-for-sale securities: Fair Values at 12/31/2018 (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 18,670 $ - $ 18,670 $ - Mortgage-backed securities 60,943 - 60,943 - State and political subdivisions 11,356 - 11,356 - Interest rate contracts - assets 687 - 687 - Interest rate contracts - liabilities (687 ) - (687 ) - Fair Value Measurements Using: ($ in thousands) Available-for-sale securities: Fair Values at 12/31/2017 (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 12,708 $ - $ 12,708 $ - Mortgage-backed securities 56,762 - 56,762 - State and political subdivisions 13,250 - 13,250 - Equity securities 70 - 70 - Interest rate contracts - assets 698 - 698 - Interest rate contracts - liabilities (698 ) - (698 ) - Level 1 - quoted prices in active markets for identical assets Level 2 - significant other observable inputs Level 3 - significant unobservable inputs The following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. Collateral-dependent Impaired Loans, Net of ALLL Loans for which it is probable the Company will not collect all principal and interest due according to contractual terms are measured for impairment. The estimated fair value of collateral-dependent impaired loans is based on the appraised value of the collateral, less estimated cost to sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy. This method requires obtaining independent appraisals of the collateral from a list of preapproved appraisers, which are reviewed for accuracy and consistency by the Company. The appraised values are reduced by applying a discount factor to the value based on the Company’s loan review policy. All impaired loans held by the Company were collateral dependent at December 31, 2018 and 2017. Mortgage Servicing Rights Mortgage servicing rights do not trade in an active, open market with readily observable prices. Accordingly, fair value is estimated using discounted cash flow models associated with the servicing rights and discounting the cash flows using discount market rates, prepayment speeds and default rates. The servicing portfolio has been valued using all relevant positive and negative cash flows including servicing fees, miscellaneous income and float; marginal costs of servicing; the cost of carry of advances; and foreclosure losses; and applying certain prevailing assumptions used in the marketplace. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy. These mortgage servicing rights are tested for impairment on a quarterly basis. The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at December 31, 2018 and 2017: ($ in thousands) Fair values at 12/31/2018 (Level 1) (Level 2) (Level 3) Impaired loans $ 1,027 $ - $ - $ 1,027 Mortgage servicing rights 3,191 - - 3,191 ($ in thousands) Fair values at 12/31/2017 (Level 1) (Level 2) (Level 3) Impaired loans $ 982 $ - $ - $ 982 Mortgage servicing rights 1,490 - - 1,490 Level 1 - quoted prices in active markets for identical assets Level 2 - significant other observable inputs Level 3 - significant unobservable inputs Unobservable (Level 3) Inputs The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2018 and 2017: Fair value at Valuation Range (weighted- ($ in thousands) 12/31/2018 technique Unobservable inputs average) Collateral-dependent impaired loans $ 1,027 Market comparable properties Comparability adjustments (%) 20 - 35% (29 %) Mortgage servicing rights 3,191 Discounted cash flow Discount Rate 10.30 % Constant prepayment rate 7.02 % P&I earnings credit 2.51 % T&I earnings credit 3.02 % Inflation for cost of servicing 1.50 % Fair Value at Valuation Range (weighted- ($ in thousands) 12/31/2017 technique Unobservable inputs average) Collateral-dependent impaired loans $ 982 Market comparable properties Comparability adjustments (%) Not available Mortgage servicing rights 1,490 Discounted cash flow Discount Rate 9.65 % Constant prepayment rate 7.51 % P&I earnings credit 1.56 % T&I earnings credit 2.13 % Inflation for cost of servicing 1.50 % The mortgage servicing rights portfolio is measured for fair value by an independent third party. The valuation of the portfolio hinges on a number of quantitative factors. These factors include, but are not limited to, a discount rate applied to the cash flows, and an assumption of future principal prepayments. The prepayment assumptions are based upon the historical performance of the Company’s portfolio as well as market metrics. With the increasing interest rates during 2018, the mortgage servicing rights have increased in value. The servicing rights have had a decline in prepayments and the 0.49 percent decrease in the constant prepayment rate reflects the change in market rates. In addition, the earnings credit rates increased as did the discount rate. The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying balance sheets at amounts other than fair value. Cash and Due From Banks, Federal Reserve and Federal Home Loan Bank Stock and Interest Receivable and Payable Fair value is determined to be the carrying amount for these items (which include cash on hand, due from banks, and federal funds sold) because they represent cash or mature in 90 days or less, and do not represent unanticipated credit concerns. Loans Held for Sale The fair value of loans held for sale is based upon quoted market prices, where available, or is determined by discounting estimated cash flows using interest rates approximating the Company’s current origination rates for similar loans and adjusted to reflect the inherent credit risk. Loans The estimated fair value for loans receivable, net, is based on estimates of the rate the Company would charge for similar loans at December 31, 2018 and 2017, applied for the time period until the loans are assumed to re-price or be paid. Deposits, Repurchase Agreements & FHLB Advances Deposits include demand deposits, savings accounts and certain money market deposits. The carrying amount approximates the fair value. The estimated fair value for fixed-maturity time deposits, as well as borrowings, is based on estimates of the rate the Company could pay on similar instruments with similar terms and maturities at December 31, 2018 and 2017. Loan Commitments The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. The estimated fair values for other financial instruments and off-balance-sheet loan commitments approximate cost at December 31, 2018 and 2017 and are not considered significant to this presentation. Trust Preferred Securities The fair value for Trust Preferred Securities is estimated by discounting the cash flows using an appropriate discount rate. The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain instruments were calculated by discounting expected cash flows, which involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for these financial instruments, and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. ($ in thousands) Carrying Fair Fair value measurements using December 31, 2018 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 48,363 $ 48,363 $ 48,363 $ - $ - Loans held for sale 4,445 4,589 - 4,589 - Loans, net of allowance for loan losses 763,716 757,469 - - 757,469 Federal Reserve and FHLB Bank stock, at cost 4,123 4,123 - 4,123 - Interest receivable 2,822 2,822 - 2,822 - Financial liabilities Deposits $ 802,552 $ 799,726 $ 561,090 $ 238,636 $ - Repurchase agreements 15,184 15,184 - 15,184 - FHLB advances 16,000 15,848 - 15,848 - Trust preferred securities 10,310 10,233 - 10,233 - Interest payable 909 909 - 909 - ($ in thousands) Carrying Fair Fair value measurements using December 31, 2017 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 26,616 $ 26,616 $ 26,616 $ - $ - Loans held for sale 3,940 4,041 - 4,041 - Loans, net of allowance for loan losses 688,685 686,940 - - 686,940 Federal Reserve and FHLB Bank stock, at cost 3,748 3,748 - 3,748 - Interest receivable 1,825 1,825 - 1,825 - Financial liabilities Deposits $ 729,600 $ 732,605 $ 511,782 $ 220,823 $ - Repurchase agreements 15,082 15,082 - 15,082 - FHLB advances 18,500 18,385 - 18,385 - Trust preferred securities 10,310 9,673 - 9,673 - Interest payable 592 592 - 592 -

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2018
Parent Company Financial Information [Abstract]
Parent Company Financial Information	Note 20: Parent Company Financial Information Presented below is condensed financial information of the parent company only: Condensed Balance Sheets ($ in thousands) 2018 2017 Assets Cash & cash equivalents $ 14,038 $ 2,684 Investment in banking subsidiaries 126,507 101,476 Investment in nonbanking subsidiaries 1,232 1,218 Other assets 224 268 Total assets $ 142,001 $ 105,646 Liabilities Trust preferred securities $ 10,000 $ 10,000 Borrowings from nonbanking subsidiaries 310 310 Other liabilities & accrued interest payable 1,256 1,336 Total liabilities 11,566 11,646 Stockholders’ equity 130,435 94,000 Total liabilities and stockholders’ equity $ 142,001 $ 105,646 Condensed Statements of Income ($ in thousands) 2018 2017 Dividends from subsidiaries: Banking subsidiaries $ - $ 2,000 Nonbanking subsidiaries - 40 Total income - 2,040 Expenses Interest expense 401 304 Other expense 1,327 1,352 Total expenses 1,728 1,656 Income before income tax (1,728 ) 384 Income tax benefit (409 ) (543 ) Income before equity in undistributed income of subsidiaries (1,319 ) 927 Equity in undistributed income of subsidiaries Banking subsidiaries 12,942 10,337 Nonbanking subsidiaries 15 (199 ) Total 12,957 10,138 Net income 11,638 11,065 Preferred stock dividends 975 975 Net income available to common shareholders $ 10,663 $ 10,090 Condensed Statements of Comprehensive Income ($ in thousands) 2018 2017 Net income $ 11,638 $ 11,065 Other comprehensive income: Available-for-sale investment securities: Gross unrealized holding loss arising in the period (590 ) (374 ) Related tax benefit 124 126 Less: reclassification adjustment for gain realized in income 70 119 Related tax expense (15 ) (40 ) Net effect on other comprehensive income (411 ) (169 ) Total comprehensive income $ 11,227 $ 10,896 Condensed Statements of Cash Flows ($ in thousands) 2018 2017 Operating activities Net income $ 11,638 $ 11,065 Items not requiring (providing) cash Equity in undistributed net income of subsidiaries (12,957 ) (10,138 ) Stock compensation expense 278 303 Other assets 44 405 Other liabilities (79 ) 115 Net cash provided by (used in) operating activities (1,076 ) 1,750 Investing activities Capital contributed to banking subsidiary (12,500 ) - Net cash provided by (used in) investing activities (12,500 ) - Financing activities Dividends on common shares (2,090 ) (1,362 ) Dividends on preferred shares (975 ) (975 ) Proceeds from issuance of common shares 27,912 - Proceeds from stock compensation 192 375 Repurchase of common shares (109 ) (1,785 ) Net cash provided by (used in) financing activities 24,930 (3,747 ) Net change in cash and cash equivalents 11,354 (1,997 ) Cash and cash equivalents at beginning of year 2,684 4,681 Cash and cash equivalents at end of year $ 14,038 $ 2,684

Quarterly Financial Information

Quarterly Financial Information	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information [Abstract]
Quarterly Financial Information	Note 21: Quarterly Financial Information Quarterly Financial Information (unaudited) Year ended December 31 ($ in thousands, except per share data) 2018 December September June March Interest income $ 10,638 $ 10,258 $ 9,732 $ 8,851 Interest expense 2,024 1,729 1,308 1,151 Net interest income 8,614 8,529 8,424 7,700 Provision for loan losses - - 300 300 Noninterest income 3,930 4,202 4,249 4,243 Noninterest expense 8,852 8,789 8,579 8,627 Income tax expense 732 824 687 563 Net income 2,960 3,118 3,107 2,453 Preferred share dividend 243 244 244 244 Net income available to common $ 2,717 $ 2,874 $ 2,863 $ 2,209 Basic earnings per common share $ 0.42 $ 0.45 $ 0.45 $ 0.40 Diluted earnings per common share $ 0.37 $ 0.39 $ 0.40 $ 0.35 Dividends per share $ 0.085 $ 0.080 $ 0.080 $ 0.075 2017 December September June March Interest income $ 8,762 $ 8,338 $ 7,966 $ 7,414 Interest expense 1,108 1,075 1,003 908 Net interest income 7,654 7,263 6,963 6,506 Provision for loan losses 200 - 200 - Noninterest income 4,092 4,861 4,462 3,802 Noninterest expense 8,106 8,284 7,806 7,382 Income tax expense (592 ) 1,117 1,102 933 Net income 4,032 2,723 2,317 1,993 Preferred share dividend 243 244 244 244 Net income available to common $ 3,789 $ 2,479 $ 2,073 $ 1,749 Basic earnings per common share $ 0.79 $ 0.52 $ 0.43 $ 0.36 Diluted earnings per common share $ 0.64 $ 0.43 $ 0.37 $ 0.31 Dividends per share $ 0.075 $ 0.070 $ 0.070 $ 0.065

Organization and Summary of S_2

Organization and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2018
Organization and Summary of Significant Accounting Policies [Abstract]
Organization and Nature of Operations	Organization and Nature of Operations SB Financial Group, Inc. (the “Company”) is a financial holding company whose principal activity is the ownership and management of its wholly-owned subsidiaries, The State Bank and Trust Company (“State Bank”), RFCBC, Inc. (“RFCBC”), Rurbanc Data Services, Inc. dba RDSI Banking Systems (“RDSI”), and Rurban Statutory Trust II (“RST II”). State Bank owns all the outstanding stock of Rurban Mortgage Company (“RMC”), and State Bank Insurance, LLC (“SBI”). The Company is primarily engaged in providing a full range of banking and wealth management services to individual and corporate customers primarily located in Ohio, Indiana, and Michigan. The Company is subject to competition from other financial institutions, and regulated by certain federal and state agencies and undergoes periodic examinations by those regulatory authorities.
Principles of Consolidation	Principles of Consolidation The Consolidated Financial Statements include the accounts of the Company, State Bank, RFCBC, RDSI, RMC, and SBI. All significant intercompany accounts and transactions were eliminated in consolidation.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the 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 relate to the determination of the allowance for loan losses, loan servicing rights, and fair value of financial instruments.
Cash Equivalents	Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2018 and 2017, cash equivalents consisted primarily of interest-bearing and noninterest bearing demand deposit balances held by correspondent banks. At December 31, 2018, none of the Company’s correspondent cash accounts exceeded federally insured limits. Additionally, the Company had approximately $32.8 million of cash held by the FRB and the FHLB, which is not federally insured.
Securities	Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell the debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, the Company recognizes the credit component of an other-than-temporary impairment of the debt security in earnings and the remaining portion in other comprehensive income.
Mortgage Loans Held for Sale	Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income.
Loans	Loans Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoffs, are reported at their outstanding principal balances adjusted for any charge offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Generally, loans are placed on nonaccrual status not later than 90 days past due. Past due status is based on the contractual terms of the loan. All interest accrued, but not collected for loans that are placed on nonaccrual or charged off, is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the non-collectability of a loan balance is probable. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as new information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected on the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration each of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial, agricultural, and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. When a loan moves to nonaccrual status, total unpaid interest accrued to date is reversed from income. Subsequent payments are applied to the outstanding principal balance with the interest portion of the payment recorded on the balance sheet as a contra-loan. Interest received on impaired loans may be realized once all contractual principal amounts are received or when a borrower establishes a history of six consecutive timely principal and interest payments. It is at the discretion of management to determine when a loan is placed back on accrual status upon receipt of six consecutive timely payments. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
Premises and Equipment	Premises and Equipment Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method for buildings and equipment over the estimated useful lives of the assets. Leasehold improvements are capitalized and depreciated using the straight-line method over the terms of the respective leases.
Long-lived Asset Impairment	Long-lived Asset Impairment The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset’s cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value.
Federal Reserve Bank and Federal Home Loan Bank Stock	Federal Reserve Bank and Federal Home Loan Bank Stock FRB and FHLB stock are required investments for institutions that are members of the FRB and FHLB systems. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment.
Foreclosed Assets Held for Sale	Foreclosed Assets Held for Sale Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of the carrying amount or the fair value less cost to sell. Revenue and expenses from operations related to foreclosed assets and changes in the valuation allowance are included in net income or expense from foreclosed assets.
Goodwill	Goodwill Goodwill is tested for impairment annually. If the implied fair value of goodwill is lower than its carrying amount, goodwill impairment is indicated and goodwill is written down to its implied fair value.
Core Deposits and Other Intangibles	Core Deposits and Other Intangibles Intangible assets are being amortized on a straight-line basis over weighted-average periods ranging from one to fifteen years. Such assets are periodically evaluated as to the recoverability of their carrying value. Purchased software is being amortized using the straight-line method over periods ranging from one to three years.
Derivatives	Derivatives Derivatives are recognized as assets and liabilities on the consolidated balance sheet and measured at fair value. For exchange-traded contracts, fair value is based on quoted market prices. For non-exchange traded contracts, fair value is based on dealer quotes, pricing models, discounted cash flow methodologies or similar techniques for which the determination of fair value may require significant management judgment or estimation.
Mortgage Servicing Rights	Mortgage Servicing Rights Mortgage servicing assets are recognized separately when rights are acquired through purchase or through sale of financial assets. Under the servicing assets and liabilities accounting guidance, (Accounting Standards Codification “ASC” 806-50), servicing rights from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment based on fair value at each reporting date. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost of service, the discount rate, the custodial earning rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing right and may result in a reduction to noninterest income. Each class of separately recognized servicing assets subsequently measured using the amortization method is evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances are reported with “Mortgage loan servicing fees, net” in the income statement. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized. Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income.
Share-Based Employee Compensation Plan	Share-Based Employee Compensation Plan At December 31, 2018 and 2017, the Company had a share-based employee compensation plan ( see Note 17 to the Consolidated Financial Statements).
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company – put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before the maturity or the ability to unilaterally cause the holder to return specific assets.
Income Taxes	Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the term “upon examination” also includes resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries. With a few exceptions, the Company is no longer subject to U.S. Federal, State and Local examinations by tax authorities for the years before 2015. As of December 31, 2018, the Company had no uncertain income tax positions. The Company uses the specific identification (or portfolio) method for reclassifying material stranded tax effects in Accumulated Other Consolidated Income (“AOCI”) to earnings.
Treasury Shares	Treasury Shares Treasury stock is stated at cost. Cost is determined by the weighted-average cost method.
Earnings Per Share	Earnings Per Share Earnings per common share is computed using the two-class method. Basic earnings per share represent income available to common shareholders divided by the weighted-average number of common shares outstanding during each period. Diluted earnings per share reflect additional potential common shares and convertible preferred shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options which are determined using the treasury stock method and convertible preferred shares which are determined using the converted method. Treasury stock shares are not deemed outstanding for earnings per share calculations.
Comprehensive Income	Comprehensive Income Comprehensive income consists of net income and other comprehensive income, net of applicable income taxes. Other comprehensive income includes unrealized appreciation (depreciation) on available-for-sale securities, and unrealized and realized gains and losses in derivative financial instruments that qualify for hedge accounting. AOCI consists solely of the cumulative unrealized gains and losses on available-for-sale securities net of income tax.
New and applicable accounting pronouncements	New and applicable accounting pronouncements: ASU No. 2018-07: Compensation – Stock Compensation (Topic 718) This ASU expands scope of Topic 718, to include share-based payments issued to nonemployees for goods or services. Consequently, the accounting for share-based payments to nonemployees and employees will be substantially aligned. This ASU supersedes Subtopic 505-50, Equity-Based Payments to Non-Employees. The amendments in this ASU are effective for periods beginning after December 15, 2018. At this time, the Company does not recognize the existence of any nonemployee relationships involving share-based payments. ASU No. 2018-02: Income Statement – Reporting Comprehensive Income (Topic 220) This ASU provides for the reclassification of stranded tax effects in AOCI, an option rather than a requirement; however, disclosure is required if not elected. The reclassification from accumulated other comprehensive income to retained earnings results from the newly elected Federal corporate income tax rate resulting from the TCJA enacted in December 2017. The Company has adopted this ASU on December 31, 2017 and reclassified approximately $23 thousand into retained earnings. ASU No. 2016-15: Statement of Cash Flows (Topic 230) This ASU provides specific guidance for eight cash flow classifications. The intention is to ensure that this ASU will eliminate any current or future diversity in classification and reporting. The amendments in this ASU were effective for the Company for reporting periods beginning after December 15, 2017 and did not have a significant impact on the consolidated financial statements. ASU No. 2016-02: Leases (Topic 842) FASB issued ASU 2016-02, Leases. The new standard establishes a right-of-use asset model that requires a lessee to record an asset and a lease liability on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. The new standard is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. An entity may adopt the new guidance either by restating prior periods and recording a cumulative effect adjustment at the beginning of the earliest comparative period presented or by recording a cumulative effect adjustment at the beginning of the period of adoption. The Company plans to apply the standard by recording a cumulative effect adjustment at January 1, 2019. As the Company owns most of its branch locations, this ASU applied primarily to operating leases and the impact of adoption of this ASU by the Company was not material and will result in a $0.4 million increase in assets and liabilities in the Company’s consolidated balance sheets upon adoption. ASU No. 2016-01: Recognition and Measurement of Financial Assets and Liabilities (Topic 825) This ASU has a number of provisions including the requirements that public business entities use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, a separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e. securities or loans receivables), and eliminating the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. The amendment was effective for the Company in the first quarter of 2018 and did not have a significant impact on the consolidated financial statements or on fair value and other required disclosures. ASU No. 2014-09: Revenue from Contracts with Customers (Topic 606) This ASU implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of the amendment is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. ASU 2014-09 establishes a five-step model, which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue related to our mortgage servicing activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. ASU 2014-09 became effective on January 1, 2018 and had no material effect on how we recognize revenue or to our consolidated financial statements and disclosures. Interest Income – Noninterest Income –
Accounting Standards not yet adopted	Accounting Standards not yet adopted: ASU No. 2018-13: Fair Value Measurement - Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement (Topic 820) The updated guidance improves the disclosure requirements on fair value measurements. The ASU removes certain disclosures required by Topic 820 related to transfers between Level 1 and Level 2 of the fair value hierarchy; the policy for timing of transfers between levels; the valuation processes for Level 3 fair value measurements; and for nonpublic entities, the changes in unrealized gains and losses for the period included in earnings for recurring Level 3 fair value measurements held at the end of the reporting period. The ASU modifies certain disclosures required by Topic 820 related to disclosure of transfers into and out of Level 3 of the fair value hierarchy and purchases and issues of Level 3 assets and liabilities for nonpublic entities; the requirement to disclose the timing of liquidation of an investee’s assets and the date when restrictions from redemption might lapse only if the investee has communicated the timing to the entity or announced the timing publicly for investments in certain entities that calculate net asset value; and clarification that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. The ASU adds certain disclosure requirements related to changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted-average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information in lieu of the weighted- average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. The amendments in this update become effective for fiscal years, and interim periods within those fiscal years beginning after December 15, 2019. Early adoption is permitted. The Company is currently evaluating the impact of adopting the new guidance on the consolidated financial statements, but it is not expected to have a material impact. ASU No. 2017-04: Intangibles – Goodwill and Other (Topic 350) This ASU simplifies the test for goodwill impairment. Specifically, these amendments eliminate Step 2 from the goodwill impairment test, and also eliminate the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. The amendments in this ASU are effective for annual goodwill impairment tests in fiscal years beginning after December 15, 2019, and management does not believe the changes will have a material effect on the Company’s accounting and disclosures. ASU No. 2016-13: Financial Instruments – Credit Losses (Topic 326) This ASU replaces the current GAAP incurred impairment methodology regarding credit losses with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The amendments in this update affect an entity to varying degrees depending on the credit quality of the assets held by the entity, their duration, and how the entity applies current GAAP. The amendments in this ASU are effective for reporting periods beginning after December 15, 2019, and management will need further study to determine the impact on the Company’s consolidated financial statements. The Company implemented a process to track required data by utilizing accounting software in preparation for compliance. The adoption of ASU 2016-13 is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. Furthermore, ASU 2016-13 will necessitate that we establish an allowance for expected credit losses on debt securities. While we are currently unable to reasonably estimate the impact of adopting ASU 2016-13, we expect that the impact of adoption will be significantly influenced by the composition, characteristics and quality of our loan and securities portfolios as well as the prevailing economic conditions and forecasts as of the adoption date. We anticipate being fully prepared for implementation by December 15, 2019. In December 2018, the OCC, the Federal Reserve Board, and the FDIC approved a final rule to address changes to credit loss accounting under GAAP, including banking organizations’ implementation of CECL. The final rule provides banking organizations the option to phase in over a three-year period the day-one adverse effects on regulatory capital that may result from the adoption of the new accounting standard.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Summary of earnings per share	Twelve Months Ended Dec., 31 ($ and outstanding shares in thousands, except per share data) 2018 2017 Distributed earnings allocated to common shares $ 2,090 $ 1,363 Undistributed earnings allocated to common shares 8,558 8,714 Net earnings allocated to common shares 10,648 10,077 Net earnings allocated to participating securities 15 13 Dividends on convertible preferred shares 975 975 Net Income allocated to common shares and participating securities $ 11,638 $ 11,065 Weighted-average shares outstanding for basic earnings per share 6,198 4,817 Dilutive effect of stock compensation 61 74 Dilutive effect of convertible shares 1,460 1,460 Weighted-average shares outstanding for diluted earnings per share 7,719 6,351 Basic earnings per common share $ 1.72 $ 2.10 Diluted earnings per common share $ 1.51 $ 1.74

Available-for-Sale Securities (

Available-for-Sale Securities (Tables)	12 Months Ended
	Dec. 31, 2018
Available-for-Sale Securities [Abstract]
Summary of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities	Gross Gross Amortized Unrealized Unrealized ($ in thousands) Cost Gains Losses Fair Value December 31, 2018: U.S. Treasury and Government agencies $ 18,597 $ 187 $ (114 ) $ 18,670 Mortgage-backed securities 61,868 114 (1,039 ) 60,943 State and political subdivisions 11,203 180 (27 ) 11,356 Totals $ 91,668 $ 481 $ (1,180 ) $ 90,969 Gross Gross Amortized Unrealized Unrealized ($ in thousands) Cost Gains Losses Fair Value December 31, 2017: U.S. Treasury and Government agencies $ 12,715 $ 62 $ (69 ) $ 12,708 Mortgage-backed securities 57,355 97 (690 ) 56,762 State and political subdivisions 12,829 439 (18 ) 13,250 Equity securities 70 - - 70 Totals $ 82,969 $ 598 $ (777 ) $ 82,790
Summary of amortized cost and fair value of securities available-for-sale by contractual maturity	Amortized Fair ($ in thousands) Cost Value Within one year $ 2,199 $ 2,223 Due after one year through five years 9,457 9,452 Due after five years through ten years 13,578 13,707 Due after ten years 4,566 4,644 29,800 30,026 Mortgage-backed securities 61,868 60,943 Totals $ 91,668 $ 90,969
Summary of securities with unrealized losses	($ in thousands) Less than 12 Months 12 Months or Longer Total December 31, 2018 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ 1,417 $ (8 ) $ 7,870 $ (106 ) $ 9,287 $ (114 ) Mortgage-backed securities 10,613 (54 ) 37,495 (985 ) 48,108 (1,039 ) State and political subdivisions 417 (6 ) 1,159 (21 ) 1,576 (27 ) Totals $ 12,447 $ (68 ) $ 46,524 $ (1,112 ) $ 58,971 $ (1,180 ) ($ in thousands) Less than 12 Months 12 Months or Longer Total December 31, 2017 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ 5,675 $ (27 ) $ 2,559 $ (42 ) $ 8,234 $ (69 ) Mortgage-backed securities 35,205 (319 ) 14,673 (371 ) 49,878 (690 ) State and political subdivisions 905 (4 ) 326 (14 ) 1,231 (18 ) Totals $ 41,785 $ (350 ) $ 17,558 $ (427 ) $ 59,343 $ (777 )

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2018
Loans and Allowance for Loan Losses [Abstract]
Summary of categories of loans	Total Loans Nonaccrual Loans ($ in thousands) 2018 2017 2018 2017 Commercial & industrial $ 127,041 $ 101,554 $ 731 $ 121 Commercial real estate & construction 340,791 332,154 218 1,322 Agricultural & farmland 52,012 51,947 - - Residential real estate 187,104 150,854 1,738 1,123 Consumer & other 64,336 59,619 219 138 Total loans $ 771,284 $ 696,128 $ 2,906 $ 2,704 Unearned income $ 599 $ 487 Total loans, net of unearned income $ 771,883 $ 696,615 Allowance for loan losses $ (8,167 ) $ (7,930 )
Summary loan commitments, unused lines of credit and standby letters of credit	($ in thousands) 2018 2017 Loan commitments and unused lines of credit $ 168,731 $ 170,437 Standby letters of credit 2,145 1,643 Total $ 170,876 $ 172,080
Summary of allowance for loan and lease losses and recorded investment in loans based on portfolio segment and impairment method	Commercial Commercial RE Agricultural Residential Consumer ($ in thousands) & Industrial & Construction & Farmland Real Estate & Other Total For the Twelve Months Ended December 31, 2018 Beginning balance $ 823 $ 3,779 $ 505 $ 2,129 $ 694 $ 7,930 Charge offs (227 ) (42 ) - (30 ) (108 ) (407 ) Recoveries 1 28 - 2 13 44 Provision 838 (842 ) (23 ) 466 161 600 Ending Balance $ 1,435 $ 2,923 $ 482 $ 2,567 $ 760 $ 8,167 Loans Receivable at December 31, 2018 Allowance: Ending balance: individually evaluated for impairment $ 61 $ - $ - $ 73 $ 4 $ 138 Ending balance: collectively evaluated for impairment $ 1,374 $ 2,923 $ 482 $ 2,494 $ 756 $ 8,029 Loans: Ending balance: individually evaluated for impairment $ 700 $ 283 $ - $ 2,111 $ 190 $ 3,284 Ending balance: collectively evaluated for impairment $ 126,341 $ 340,508 $ 52,012 $ 184,993 $ 64,146 $ 768,000 Commercial Commercial RE Agricultural Residential Consumer ($ in thousands) & Industrial & Construction & Farmland Real Estate & Other Total For the Twelve Months Ended December 31, 2017 Beginning balance $ 1,204 $ 3,321 $ 347 $ 1,963 $ 890 $ 7,725 Charge offs (50 ) (26 ) - (61 ) (94 ) (231 ) Recoveries 5 2 5 6 18 36 Provision (336 ) 482 153 221 (120 ) 400 Ending Balance $ 823 $ 3,779 $ 505 $ 2,129 $ 694 $ 7,930 Loans Receivable at December 31, 2017 Allowance: Ending balance: individually evaluated for impairment $ - $ 146 $ - $ 178 $ 5 $ 329 Ending balance: collectively evaluated for impairment $ 823 $ 3,633 $ 505 $ 1,951 $ 689 $ 7,601 Loans: Ending balance: individually evaluated for impairment $ - $ 1,385 $ - $ 1,830 $ 197 $ 3,412 Ending balance: collectively evaluated for impairment $ 101,554 $ 330,769 $ 51,947 $ 149,024 $ 59,422 $ 692,716
Summary of credit risk profile of the Company's loan portfolio based on rating category	($ in thousands) Commercial Commercial RE Agricultural Residential Consumer December 31, 2018 & Industrial & Construction & Farmland Real Estate & Other Total 1-2 $ 195 $ - $ - $ - $ - $ 195 3 19,849 94,669 8,277 145,020 62,345 330,160 4 103,817 244,170 43,425 39,561 1,657 432,630 Total Pass (1 - 4) 123,861 338,839 51,702 184,581 64,002 762,985 Special Mention (5) 680 20 310 - - 1,010 Substandard (6) 2,305 1,714 - 2,488 334 6,841 Doubtful (7) 195 218 - 35 - 448 Loss (8) - - - - - - Total Loans $ 127,041 $ 340,791 $ 52,012 $ 187,104 $ 64,336 $ 771,284 ($ in thousands) Commercial Commercial RE Agricultural Residential Consumer December 31, 2017 & Industrial & Construction & Farmland Real Estate & Other Total 1-2 $ 96 $ 13 $ - $ 832 $ 1 $ 942 3 19,883 93,222 8,080 114,130 57,204 292,519 4 80,448 236,217 43,735 34,271 2,151 396,822 Total Pass (1 - 4) 100,427 329,452 51,815 149,233 59,356 690,283 Special Mention (5) 512 1,100 132 - 66 1,810 Substandard (6) 7 580 - 1,583 197 2,367 Doubtful (7) 608 1,022 - 38 - 1,668 Loss (8) - - - - - - Total Loans $ 101,554 $ 332,154 $ 51,947 $ 150,854 $ 59,619 $ 696,128
Summary of loan portfolio aging analysis	($ in thousands) 30-59 Days 60-89 Days Greater Than Total Past Total Loans December 31, 2018 Past Due Past Due 90 Days Due Current Receivable Commercial & industrial $ 120 $ - $ 661 $ 781 $ 126,260 $ 127,041 Commercial RE & construction 342 1 - 343 340,448 340,791 Agricultural & farmland - - - - 52,012 52,012 Residential real estate 2,391 824 372 3,587 183,517 187,104 Consumer & other 177 79 78 334 64,002 64,336 Total Loans $ 3,030 $ 904 $ 1,111 $ 5,045 $ 766,239 $ 771,284 ($ in thousands) 30-59 Days 60-89 Days Greater Than Total Past Total Loans December 31, 2017 Past Due Past Due 90 Days Due Current Receivable Commercial & industrial $ 85 $ - $ 88 $ 173 $ 101,381 $ 101,554 Commercial RE & construction 110 - 1,086 1,196 330,958 332,154 Agricultural & farmland - - - - 51,947 51,947 Residential real estate 484 379 433 1,296 149,558 150,854 Consumer & other 182 21 103 306 59,313 59,619 Total Loans $ 861 $ 400 $ 1,710 $ 2,971 $ 693,157 $ 696,128
Summary of impaired loan activity	($ in thousands) Twelve Months Ended Recorded Unpaid Principal Related Average Recorded Interest Income December 31, 2018 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ 575 $ 802 $ - $ 370 $ 21 Commercial RE & construction 283 283 - 336 21 Agricultural & farmland - - - - - Residential real estate 1,249 1,292 - 1,995 91 Consumer & other 113 113 - 125 8 With a specific allowance recorded: Commercial & industrial 125 125 61 127 21 Commercial RE & construction - - - - - Agricultural & farmland - - - - - Residential real estate 862 888 73 426 20 Consumer & other 77 77 4 91 6 Totals: Commercial & industrial $ 700 $ 927 $ 61 $ 497 $ 42 Commercial RE & construction $ 283 $ 283 $ - $ 336 $ 21 Agricultural & farmland $ - $ - $ - $ - $ - Residential real estate $ 2,111 $ 2,180 $ 73 $ 2,421 $ 111 Consumer & other $ 190 $ 190 $ 4 $ 216 $ 14 ($ in thousands) Twelve Months Ended Recorded Unpaid Principal Related Average Recorded Interest Income December 31, 2017 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ - $ - $ - $ - $ - Commercial RE & construction 696 722 - 756 34 Agricultural & farmland - - - - - Residential real estate 752 795 - 1,460 67 Consumer & other 110 110 - 128 9 With a specific allowance recorded: Commercial & industrial - - - - - Commercial RE & construction 689 689 146 713 - Agricultural & farmland - - - - - Residential real estate 1,078 1,097 178 628 25 Consumer & other 87 87 5 91 5 Totals: Commercial & industrial $ - $ - $ - $ - $ - Commercial RE & construction $ 1,385 $ 1,411 $ 146 $ 1,469 $ 34 Agricultural & farmland $ - $ - $ - $ - $ - Residential real estate $ 1,830 $ 1,892 $ 178 $ 2,088 $ 92 Consumer & other $ 197 $ 197 $ 5 $ 219 $ 14

Mortgage Banking and Servicin_2

Mortgage Banking and Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2018
Mortgage Banking and Servicing Rights [Abstract]
Summary of mortgage servicing rights capitalized and related amortization	($ in thousands) 2018 2017 Carrying amount, beginning of year $ 9,907 $ 8,422 Mortgage servicing rights capitalized during the year 2,749 2,540 Mortgage servicing rights amortization during the year (1,230 ) (1,132 ) Net change in valuation allowance (61 ) 77 Carrying amount, end of year $ 11,365 $ 9,907 Valuation allowance: Beginning of year $ 151 $ 228 Increase (reduction) 61 (77 ) End of year $ 212 $ 151 Fair value, beginning of period $ 11,338 $ 9,656 Fair value, end of period $ 12,672 $ 11,338

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2018
Derivative Financial Instruments [Abstract]
Schedule of fair values of derivative instruments on the balance sheet	Asset Derivatives Liability Derivatives ($ in thousands) Balance Sheet Fair Balance Sheet Fair December 31, 2018 Location Value Location Value Derivatives not designated as hedging instruments: Interest rate contracts Other Assets $ 687 Other Liabilities $ 687 Asset Derivatives Liability Derivatives ($ in thousands) Balance Sheet Fair Balance Sheet Fair December 31, 2017 Location Value Location Value Derivatives not designated as hedging instruments: Interest rate contracts Other Assets $ 698 Other Liabilities $ 698

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2018
Premises and Equipment [Abstract]
Summary of premises and equipment	($ in thousands) 2018 2017 Land $ 3,561 $ 3,514 Buildings and improvements 24,251 23,496 Equipment 11,995 11,564 Construction in process 1,098 404 40,905 38,978 Less accumulated depreciation (18,821 ) (17,701 ) Net premises and equipment $ 22,084 $ 21,277

Goodwill and Intangibles (Table

Goodwill and Intangibles (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangibles [Abstract]
Summary of carrying basis and accumulated amortization of recognized intangible assets	2018 2017 ($ in thousands) Gross Carrying Accumulated Gross Carrying Accumulated Amount Amortization Amount Amortization Core deposits intangible $ 4,698 $ (4,688 ) $ 4,698 $ (4,682 ) Customer relationship intangible 200 (162 ) 200 (158 ) Banking intangibles $ 4,898 $ (4,850 ) $ 4,898 $ (4,840 )

Interest-Bearing Deposits (Tabl

Interest-Bearing Deposits (Tables)	12 Months Ended
	Dec. 31, 2018
Interest-Bearing Deposits/ Federal Home Loan Bank Advances [Abstract]
Scheduled maturities of time deposit	($ in thousands) 2019 $ 144,833 2020 56,223 2021 21,724 2022 16,596 2023 1,703 Thereafter 383 Total $ 241,462

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2018
Short-Term Borrowings [Abstract]
Summary of short-term borrowings	($ in thousands) 2018 2017 Securities Sold Under Repurchase Agreements $ 15,184 $ 15,082

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances (Tables)	12 Months Ended
	Dec. 31, 2018
Interest-Bearing Deposits/ Federal Home Loan Bank Advances [Abstract]
Aggregate annual maturities of federal home loan bank advances	($ in thousands) Debt 2019 $ - 2020 8,000 2021 2,500 2022 3,000 2023 2,500 Total $ 16,000

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2018
Income Taxes [Abstract]
Schedule of provision for income taxes	For The Year Ended ($ in thousands) 2018 2017 Taxes currently payable $ 2,482 $ 3,348 Impact of TCJA - (1,730 ) Deferred provision 324 942 Income tax expense $ 2,806 $ 2,560
Schedule of reconciliation of income tax expense	For The Year Ended ($ in thousands) 2018 2017 Computed at the statutory rate (21% and 34%) $ 3,033 $ 4,633 Increase (decrease) resulting from Tax exempt interest (118 ) (200 ) BOLI income (75 ) (142 ) Impact of TCJA - (1,730 ) Stock compensation (43 ) (77 ) Other 9 76 Actual tax expense $ 2,806 $ 2,560
Schedule of deferred tax	For The Year Ended ($ in thousands) 2018 2017 Deferred tax assets Allowance for loan losses $ 1,715 $ 1,665 Net deferred loan fees 61 63 Unrealized losses on available-for-sale securities 147 38 Other 215 165 2,138 1,931 Deferred tax liabilities Depreciation (950 ) (926 ) Mortgage servicing rights (2,464 ) (2,162 ) Purchase accounting adjustments (1,162 ) (1,102 ) Prepaids (205 ) (169 ) FHLB stock dividends (288 ) (288 ) (5,069 ) (4,647 ) Net deferred tax liability $ (2,931 ) $ (2,716 )

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2018
Accumulated Other Comprehensive Loss [Abstract]
Schedule of reclassification out of accumulated other comprehensive loss	($ in thousands) 2018 2017 Affected Line Item in Income Statement Realized gains included in net income $ 70 $ 119 Gains on investment securities 70 119 Income before income taxes Tax effect (15 ) (40 ) Provision for income taxes Net of Tax $ 55 $ 79 Net income

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2018
Regulatory Matters [Abstract]
Summary of State Bank's actual capital amounts and ratios	To Be Well Capitalized Under Prompt Adequacy Corrective Action Actual Purposes Procedures ($ in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Tier I Capital to average assets $ 110,022 11.23 % $ 39,183 4.0 % $ 48,979 5.0 % Tier I Common equity capital to risk-weighted assets 110,022 12.57 % 39,386 4.5 % 56,890 6.5 % Tier I Capital to risk-weighted assets 110,022 12.57 % 52,514 6.0 % 70,019 8.0 % Total Risk-based capital to risk-weighted assets 118,189 13.50 % 70,019 8.0 % 87,524 10.0 % As of December 31, 2017 Tier I Capital to average assets $ 83,807 9.72 % $ 34,477 4.0 % $ 43,097 5.0 % Tier I Common equity capital to risk-weighted assets 83,807 10.54 % 35,786 4.5 % 51,691 6.5 % Tier I Capital to risk-weighted assets 83,807 10.54 % 47,715 6.0 % 63,620 8.0 % Total Risk-based capital to risk-weighted assets 91,737 11.54 % 63,620 8.0 % 79,524 10.0 %

Share Based Compensation Plan (

Share Based Compensation Plan (Tables)	12 Months Ended
	Dec. 31, 2018
Share Based Compensation Plan [Abstract]
Summary of option activity under Company's plan	Shares Weighted-Average Exercise Price Weighted-Average Remaining Term Aggregate Intrinsic Value Outstanding, beginning of year 92,500 $ 6.97 Granted - - Exercised (28,500 ) 6.92 Forfeited - - Expired - - Outstanding, end of year 64,000 $ 6.99 1.11 $ 605,225 Exercisable, end of year 64,000 $ 6.99 1.11 $ 605,225
Summary of restricted stock activity under the Company's plan	Shares Weighted-Average Value per Share Nonvested, beginning of year 52,258 $ 14.91 Granted 16,268 17.66 Vested (21,632 ) 13.95 Forfeited - - Nonvested, end of year 46,894 $ 16.31

Disclosures about Fair Value _2

Disclosures about Fair Value of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosures about Fair Value of Assets and Liabilities [Abstract]
Fair value measurements of securities measured at fair value on a recurring basis	($ in thousands) Available-for-sale securities: Fair Values at 12/31/2018 (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 18,670 $ - $ 18,670 $ - Mortgage-backed securities 60,943 - 60,943 - State and political subdivisions 11,356 - 11,356 - Interest rate contracts - assets 687 - 687 - Interest rate contracts - liabilities (687 ) - (687 ) - ($ in thousands) Available-for-sale securities: Fair Values at 12/31/2017 (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 12,708 $ - $ 12,708 $ - Mortgage-backed securities 56,762 - 56,762 - State and political subdivisions 13,250 - 13,250 - Equity securities 70 - 70 - Interest rate contracts - assets 698 - 698 - Interest rate contracts - liabilities (698 ) - (698 ) -
Summary of fair value measurements of assets measured at fair value on a non-recurring basis	($ in thousands) Fair values at 12/31/2018 (Level 1) (Level 2) (Level 3) Impaired loans $ 1,027 $ - $ - $ 1,027 Mortgage servicing rights 3,191 - - 3,191 ($ in thousands) Fair values at 12/31/2017 (Level 1) (Level 2) (Level 3) Impaired loans $ 982 $ - $ - $ 982 Mortgage servicing rights 1,490 - - 1,490
Summary of quantitative information about unobservable inputs used in recurring and nonrecurring	Fair value at Valuation Range (weighted- ($ in thousands) 12/31/2018 technique Unobservable inputs average) Collateral-dependent impaired loans $ 1,027 Market comparable properties Comparability adjustments (%) 20 - 35% (29 %) Mortgage servicing rights 3,191 Discounted cash flow Discount Rate 10.30 % Constant prepayment rate 7.02 % P&I earnings credit 2.51 % T&I earnings credit 3.02 % Inflation for cost of servicing 1.50 % Fair Value at Valuation Range (weighted- ($ in thousands) 12/31/2017 technique Unobservable inputs average) Collateral-dependent impaired loans $ 982 Market comparable properties Comparability adjustments (%) Not available Mortgage servicing rights 1,490 Discounted cash flow Discount Rate 9.65 % Constant prepayment rate 7.51 % P&I earnings credit 1.56 % T&I earnings credit 2.13 % Inflation for cost of servicing 1.50 %
Summary of estimated fair values of company's financial instruments	($ in thousands) Carrying Fair Fair value measurements using December 31, 2018 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 48,363 $ 48,363 $ 48,363 $ - $ - Loans held for sale 4,445 4,589 - 4,589 - Loans, net of allowance for loan losses 763,716 757,469 - - 757,469 Federal Reserve and FHLB Bank stock, at cost 4,123 4,123 - 4,123 - Interest receivable 2,822 2,822 - 2,822 - Financial liabilities Deposits $ 802,552 $ 799,726 $ 561,090 $ 238,636 $ - Repurchase agreements 15,184 15,184 - 15,184 - FHLB advances 16,000 15,848 - 15,848 - Trust preferred securities 10,310 10,233 - 10,233 - Interest payable 909 909 - 909 - ($ in thousands) Carrying Fair Fair value measurements using December 31, 2017 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 26,616 $ 26,616 $ 26,616 $ - $ - Loans held for sale 3,940 4,041 - 4,041 - Loans, net of allowance for loan losses 688,685 686,940 - - 686,940 Federal Reserve and FHLB Bank stock, at cost 3,748 3,748 - 3,748 - Interest receivable 1,825 1,825 - 1,825 - Financial liabilities Deposits $ 729,600 $ 732,605 $ 511,782 $ 220,823 $ - Repurchase agreements 15,082 15,082 - 15,082 - FHLB advances 18,500 18,385 - 18,385 - Trust preferred securities 10,310 9,673 - 9,673 - Interest payable 592 592 - 592 -

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2018
Parent Company Financial Information [Abstract]
Schedule of condensed balance sheets	Condensed Balance Sheets ($ in thousands) 2018 2017 Assets Cash & cash equivalents $ 14,038 $ 2,684 Investment in banking subsidiaries 126,507 101,476 Investment in nonbanking subsidiaries 1,232 1,218 Other assets 224 268 Total assets $ 142,001 $ 105,646 Liabilities Trust preferred securities $ 10,000 $ 10,000 Borrowings from nonbanking subsidiaries 310 310 Other liabilities & accrued interest payable 1,256 1,336 Total liabilities 11,566 11,646 Stockholders’ equity 130,435 94,000 Total liabilities and stockholders’ equity $ 142,001 $ 105,646
Schedule of condensed statements of income and comprehensive income	Condensed Statements of Income ($ in thousands) 2018 2017 Dividends from subsidiaries: Banking subsidiaries $ - $ 2,000 Nonbanking subsidiaries - 40 Total income - 2,040 Expenses Interest expense 401 304 Other expense 1,327 1,352 Total expenses 1,728 1,656 Income before income tax (1,728 ) 384 Income tax benefit (409 ) (543 ) Income before equity in undistributed income of subsidiaries (1,319 ) 927 Equity in undistributed income of subsidiaries Banking subsidiaries 12,942 10,337 Nonbanking subsidiaries 15 (199 ) Total 12,957 10,138 Net income 11,638 11,065 Preferred stock dividends 975 975 Net income available to common shareholders $ 10,663 $ 10,090 Condensed Statements of Comprehensive Income ($ in thousands) 2018 2017 Net income $ 11,638 $ 11,065 Other comprehensive income: Available-for-sale investment securities: Gross unrealized holding loss arising in the period (590 ) (374 ) Related tax benefit 124 126 Less: reclassification adjustment for gain realized in income 70 119 Related tax expense (15 ) (40 ) Net effect on other comprehensive income (411 ) (169 ) Total comprehensive income $ 11,227 $ 10,896
Schedule of condensed statements of cash flows	Condensed Statements of Cash Flows ($ in thousands) 2018 2017 Operating activities Net income $ 11,638 $ 11,065 Items not requiring (providing) cash Equity in undistributed net income of subsidiaries (12,957 ) (10,138 ) Stock compensation expense 278 303 Other assets 44 405 Other liabilities (79 ) 115 Net cash provided by (used in) operating activities (1,076 ) 1,750 Investing activities Capital contributed to banking subsidiary (12,500 ) - Net cash provided by (used in) investing activities (12,500 ) - Financing activities Dividends on common shares (2,090 ) (1,362 ) Dividends on preferred shares (975 ) (975 ) Proceeds from issuance of common shares 27,912 - Proceeds from stock compensation 192 375 Repurchase of common shares (109 ) (1,785 ) Net cash provided by (used in) financing activities 24,930 (3,747 ) Net change in cash and cash equivalents 11,354 (1,997 ) Cash and cash equivalents at beginning of year 2,684 4,681 Cash and cash equivalents at end of year $ 14,038 $ 2,684

Quarterly Financial Informati_2

Quarterly Financial Information (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information [Abstract]
Schedule of quarterly financial information	Quarterly Financial Information (unaudited) Year ended December 31 ($ in thousands, except per share data) 2018 December September June March Interest income $ 10,638 $ 10,258 $ 9,732 $ 8,851 Interest expense 2,024 1,729 1,308 1,151 Net interest income 8,614 8,529 8,424 7,700 Provision for loan losses - - 300 300 Noninterest income 3,930 4,202 4,249 4,243 Noninterest expense 8,852 8,789 8,579 8,627 Income tax expense 732 824 687 563 Net income 2,960 3,118 3,107 2,453 Preferred share dividend 243 244 244 244 Net income available to common $ 2,717 $ 2,874 $ 2,863 $ 2,209 Basic earnings per common share $ 0.42 $ 0.45 $ 0.45 $ 0.40 Diluted earnings per common share $ 0.37 $ 0.39 $ 0.40 $ 0.35 Dividends per share $ 0.085 $ 0.080 $ 0.080 $ 0.075 2017 December September June March Interest income $ 8,762 $ 8,338 $ 7,966 $ 7,414 Interest expense 1,108 1,075 1,003 908 Net interest income 7,654 7,263 6,963 6,506 Provision for loan losses 200 - 200 - Noninterest income 4,092 4,861 4,462 3,802 Noninterest expense 8,106 8,284 7,806 7,382 Income tax expense (592 ) 1,117 1,102 933 Net income 4,032 2,723 2,317 1,993 Preferred share dividend 243 244 244 244 Net income available to common $ 3,789 $ 2,479 $ 2,073 $ 1,749 Basic earnings per common share $ 0.79 $ 0.52 $ 0.43 $ 0.36 Diluted earnings per common share $ 0.64 $ 0.43 $ 0.37 $ 0.31 Dividends per share $ 0.075 $ 0.070 $ 0.070 $ 0.065

Organization and Summary of S_3

Organization and Summary of Significant Accounting Policies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Organization and Summary of Significant Accounting Policies (Textual)
Uncertain income tax positions
Maximum period of loan non-accrual status past due	90 days
Income tax examination, Description	The term more likely than not means a likelihood of more than 50 percent; the term "upon examination" also includes resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information.
Cash held by the FRB and the FHLB	$ 32,800
AOCI to retained earnings		$ 23
Minimum [Member]
Organization and Summary of Significant Accounting Policies (Textual)
Intangible assets, weighted-average periods	1 year
Software amortized period	1 year
Maximum [Member]
Organization and Summary of Significant Accounting Policies (Textual)
Intangible assets, weighted-average periods	15 years
Software amortized period	3 years

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share [Abstract]
Distributed earnings allocated to common shares	$ 2,090	$ 1,363
Undistributed earnings allocated to common shares	8,558	8,714
Net earnings allocated to common shares	10,648	10,077
Net earnings allocated to participating securities	15	13
Dividends on convertible preferred shares	975	975
Net Income allocated to common shares and participating securities	$ 11,638	$ 11,065
Weighted-average shares outstanding for basic earnings per share	6,198	4,817
Dilutive effect of stock compensation	61	74
Dilutive effect of convertible shares	1,460	1,460
Weighted-average shares outstanding for diluted earnings per share	7,719	6,351
Basic earnings per common share	$ 1.72	$ 2.1
Diluted earnings per common share	$ 1.51	$ 1.74

Available-for-Sale Securities_2

Available-for-Sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Summary of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities
Amortized Cost	$ 91,668	$ 82,969
Gross Unrealized Gains	481	598
Gross Unrealized Losses	(1,180)	(777)
Fair Value	90,969	82,790
U.S. Treasury and Government agencies [Member]
Summary of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities
Amortized Cost	18,597	12,715
Gross Unrealized Gains	187	62
Gross Unrealized Losses	(114)	(69)
Fair Value	18,670	12,708
Mortgage-backed securities [Member]
Summary of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities
Amortized Cost	61,868	57,355
Gross Unrealized Gains	114	97
Gross Unrealized Losses	(1,039)	(690)
Fair Value	60,943	56,762
State and political subdivisions [Member]
Summary of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities
Amortized Cost	11,203	12,829
Gross Unrealized Gains	180	439
Gross Unrealized Losses	(27)	(18)
Fair Value	$ 11,356	13,250
Equity securities [Member]
Summary of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities
Amortized Cost		70
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value		$ 70

Available-for-Sale Securities_3

Available-for-Sale Securities (Details 1) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of amortized cost and fair value of securities available for sale by contractual maturity
Available for Sale, Amortized Cost, Within one year	$ 2,199
Available for Sale, Amortized Cost, Due after one year through five years	9,457
Available for Sale, Amortized Cost, Due after five years through ten years	13,578
Available for Sale, Amortized Cost, Due after ten years	4,566
Available for Sale, Amortized Cost	29,800
Available for Sale, Amortized Cost, Mortgage-backed securities and equity securities	61,868
Available for Sale, Amortized Cost, Totals	91,668	$ 82,969
Available for Sale, Fair Value, Within one year	2,223
Available for Sale, Fair Value, Due after one year through five years	9,452
Available for Sale, Fair value, Due after five years through ten years	13,707
Available for Sale, Fair Value, Due after ten years	4,644
Available for Sale, Fair Value	30,026
Available for Sale, Fair Value, Mortgage-backed securities and equity securities	60,943
Available for Sale, Fair Value, Totals	$ 90,969	$ 82,790

Available-for-Sale Securities_4

Available-for-Sale Securities (Details 2) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of securities with unrealized losses
Less than 12 Months, Fair Value	$ 12,447	$ 41,785
Less than 12 Months, Unrealized Losses	(68)	(350)
12 Months or Longer, Fair Value	46,524	17,558
12 Months or Longer, Unrealized Losses	(1,112)	(427)
Total Fair Value	58,971	59,343
Total Unrealized Losses	(1,180)	(777)
U.S. Treasury and Government agencies [Member]
Summary of securities with unrealized losses
Less than 12 Months, Fair Value	1,417	5,675
Less than 12 Months, Unrealized Losses	(8)	(27)
12 Months or Longer, Fair Value	7,870	2,559
12 Months or Longer, Unrealized Losses	(106)	(42)
Total Fair Value	9,287	8,234
Total Unrealized Losses	(114)	(69)
Mortgage-backed securities [Member]
Summary of securities with unrealized losses
Less than 12 Months, Fair Value	10,613	35,205
Less than 12 Months, Unrealized Losses	(54)	(319)
12 Months or Longer, Fair Value	37,495	14,673
12 Months or Longer, Unrealized Losses	(985)	(371)
Total Fair Value	48,108	49,878
Total Unrealized Losses	(1,039)	(690)
State and political subdivisions [Member]
Summary of securities with unrealized losses
Less than 12 Months, Fair Value	417	905
Less than 12 Months, Unrealized Losses	(6)	(4)
12 Months or Longer, Fair Value	1,159	326
12 Months or Longer, Unrealized Losses	(21)	(14)
Total Fair Value	1,576	1,231
Total Unrealized Losses	$ (27)	$ (18)

Available-for-Sale Securities_5

Available-for-Sale Securities (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Available-for-Sale Securities (Textual)
Fair value of securities pledged as collateral	$ 30,700	$ 38,900
Securities delivered for repurchase agreements	17,900	19,100
Gross gains realized from sales of available-for-sale securities	70	130
Gross losses realized from sales of available-for-sale securities		10
Unrealized loss on the securities portfolio	400
Tax expense for net security gains	$ 10	$ 40
Fair value as a percentage of available-for-sale investment portfolio	65.00%	72.00%

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of categories of loans
Total Loans	$ 771,284	$ 696,128
Nonaccrual Loans	2,906	2,704
Unearned income	599	487
Total loans, net of unearned income	771,883	696,615
Allowance for loan losses	(8,167)	(7,930)
Commercial & industrial [Member]
Summary of categories of loans
Total Loans	127,041	101,554
Nonaccrual Loans	731	121
Commercial real estate & construction [Member]
Summary of categories of loans
Total Loans	340,791	332,154
Nonaccrual Loans	218	1,322
Agricultural & farmland [Member]
Summary of categories of loans
Total Loans	52,012	51,947
Nonaccrual Loans
Residential real estate [Member]
Summary of categories of loans
Total Loans	187,104	150,854
Nonaccrual Loans	1,738	1,123
Consumer & other [Member]
Summary of categories of loans
Total Loans	64,336	59,619
Nonaccrual Loans	$ 219	$ 138

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Details 1) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary loan commitments, unused lines of credit and standby letters of credit
Letters of credit outstanding, Amount	$ 170,876	$ 172,080
Loan commitments and unused lines of credit [Member]
Summary loan commitments, unused lines of credit and standby letters of credit
Letters of credit outstanding, Amount	168,731	170,437
Standby letters of credit [Member]
Summary loan commitments, unused lines of credit and standby letters of credit
Letters of credit outstanding, Amount	$ 2,145	$ 1,643

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method
Beginning balance	$ 7,930	$ 7,725
Charge offs	(407)	(231)
Recoveries	44	36
Provision	600	400
Ending Balance	8,167	7,930
Allowance: Ending balance: individually evaluated for impairment	138	329
Allowance: Ending balance: collectively evaluated for impairment	8,029	7,601
Loans: Ending balance individually evaluated for impairment	3,284	3,412
Loans: Ending balance collectively evaluated for impairment	768,000	692,716
Commercial & Industrial [Member]
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method
Beginning balance	823	1,204
Charge offs	(227)	(50)
Recoveries	1	5
Provision	838	(336)
Ending Balance	1,435	823
Allowance: Ending balance: individually evaluated for impairment	61
Allowance: Ending balance: collectively evaluated for impairment	1,374	823
Loans: Ending balance individually evaluated for impairment	700
Loans: Ending balance collectively evaluated for impairment	126,341	101,554
Commercial RE & Construction [Member]
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method
Beginning balance	3,779	3,321
Charge offs	(42)	(26)
Recoveries	28	2
Provision	(842)	482
Ending Balance	2,923	3,779
Allowance: Ending balance: individually evaluated for impairment		146
Allowance: Ending balance: collectively evaluated for impairment	2,923	3,633
Loans: Ending balance individually evaluated for impairment	283	1,385
Loans: Ending balance collectively evaluated for impairment	340,508	330,769
Agricultural & farmland [Member]
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method
Beginning balance	505	347
Charge offs
Recoveries		5
Provision	(23)	153
Ending Balance	482	505
Allowance: Ending balance: individually evaluated for impairment
Allowance: Ending balance: collectively evaluated for impairment	482	505
Loans: Ending balance individually evaluated for impairment
Loans: Ending balance collectively evaluated for impairment	52,012	51,947
Residential real estate [Member]
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method
Beginning balance	2,129	1,963
Charge offs	(30)	(61)
Recoveries	2	6
Provision	466	221
Ending Balance	2,567	2,129
Allowance: Ending balance: individually evaluated for impairment	73	178
Allowance: Ending balance: collectively evaluated for impairment	2,494	1,951
Loans: Ending balance individually evaluated for impairment	2,111	1,830
Loans: Ending balance collectively evaluated for impairment	184,993	149,024
Consumer & Other [Member]
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method
Beginning balance	694	890
Charge offs	(108)	(94)
Recoveries	13	18
Provision	161	(120)
Ending Balance	760	694
Allowance: Ending balance: individually evaluated for impairment	4	5
Allowance: Ending balance: collectively evaluated for impairment	756	689
Loans: Ending balance individually evaluated for impairment	190	197
Loans: Ending balance collectively evaluated for impairment	$ 64,146	$ 59,422

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Details 3) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	$ 771,284	$ 696,128
Loan Grade 1-2 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	195	942
Loan Grade 3 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	330,160	292,519
Loan Grade 4 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	432,630	396,822
Total Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	762,985	690,283
Special Mention [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	1,010	1,810
Substandard [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	6,841	2,367
Doubtful [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	448	1,668
Loss [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Commercial & industrial [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	127,041	101,554
Commercial & industrial [Member] | Loan Grade 1-2 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	195	96
Commercial & industrial [Member] | Loan Grade 3 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	19,849	19,883
Commercial & industrial [Member] | Loan Grade 4 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	103,817	80,448
Commercial & industrial [Member] | Total Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	123,861	100,427
Commercial & industrial [Member] | Special Mention [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	680	512
Commercial & industrial [Member] | Substandard [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	2,305	7
Commercial & industrial [Member] | Doubtful [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	195	608
Commercial & industrial [Member] | Loss [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Commercial RE & Construction [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	340,791	332,154
Commercial RE & Construction [Member] | Loan Grade 1-2 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans		13
Commercial RE & Construction [Member] | Loan Grade 3 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	94,669	93,222
Commercial RE & Construction [Member] | Loan Grade 4 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	244,170	236,217
Commercial RE & Construction [Member] | Total Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	338,839	329,452
Commercial RE & Construction [Member] | Special Mention [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	20	1,100
Commercial RE & Construction [Member] | Substandard [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	1,714	580
Commercial RE & Construction [Member] | Doubtful [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	218	1,022
Commercial RE & Construction [Member] | Loss [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Agricultural & farmland [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	52,012	51,947
Agricultural & farmland [Member] | Loan Grade 1-2 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Agricultural & farmland [Member] | Loan Grade 3 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	8,277	8,080
Agricultural & farmland [Member] | Loan Grade 4 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	43,425	43,735
Agricultural & farmland [Member] | Total Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	51,702	51,815
Agricultural & farmland [Member] | Special Mention [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	310	132
Agricultural & farmland [Member] | Substandard [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Agricultural & farmland [Member] | Doubtful [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Agricultural & farmland [Member] | Loss [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Residential real estate [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	187,104	150,854
Residential real estate [Member] | Loan Grade 1-2 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans		832
Residential real estate [Member] | Loan Grade 3 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	145,020	114,130
Residential real estate [Member] | Loan Grade 4 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	39,561	34,271
Residential real estate [Member] | Total Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	184,581	149,233
Residential real estate [Member] | Special Mention [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Residential real estate [Member] | Substandard [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	2,488	1,583
Residential real estate [Member] | Doubtful [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	35	38
Residential real estate [Member] | Loss [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Consumer & Other [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	64,336	59,619
Consumer & Other [Member] | Loan Grade 1-2 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans		1
Consumer & Other [Member] | Loan Grade 3 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	62,345	57,204
Consumer & Other [Member] | Loan Grade 4 Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	1,657	2,151
Consumer & Other [Member] | Total Pass [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	64,002	59,356
Consumer & Other [Member] | Special Mention [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans		66
Consumer & Other [Member] | Substandard [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans	334	197
Consumer & Other [Member] | Doubtful [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans
Consumer & Other [Member] | Loss [Member]
Summary of credit risk profile of the Company's loan portfolio based on rating category
Total Loans

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Details 4) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of loan portfolio aging analysis
Total Past Due	$ 5,045	$ 2,971
Current	766,239	693,157
Total Loans Receivable	771,284	696,128
30 to 59 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	3,030	861
60-89 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	904	400
Greater Than 90 Days [Member]
Summary of loan portfolio aging analysis
Total Past Due	1,111	1,710
Commercial & industrial [Member]
Summary of loan portfolio aging analysis
Total Past Due	781	173
Current	126,260	101,381
Total Loans Receivable	127,041	101,554
Commercial & industrial [Member] | 30 to 59 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	120	85
Commercial & industrial [Member] | 60-89 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due
Commercial & industrial [Member] | Greater Than 90 Days [Member]
Summary of loan portfolio aging analysis
Total Past Due	661	88
Commercial RE & Construction [Member]
Summary of loan portfolio aging analysis
Total Past Due	343	1,196
Current	340,448	330,958
Total Loans Receivable	340,791	332,154
Commercial RE & Construction [Member] | 30 to 59 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	342	110
Commercial RE & Construction [Member] | 60-89 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	1
Commercial RE & Construction [Member] | Greater Than 90 Days [Member]
Summary of loan portfolio aging analysis
Total Past Due		1,086
Agricultural & farmland [Member]
Summary of loan portfolio aging analysis
Total Past Due
Current	52,012	51,947
Total Loans Receivable	52,012	51,947
Agricultural & farmland [Member] | 30 to 59 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due
Agricultural & farmland [Member] | 60-89 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due
Agricultural & farmland [Member] | Greater Than 90 Days [Member]
Summary of loan portfolio aging analysis
Total Past Due
Residential Real Estate [Member]
Summary of loan portfolio aging analysis
Total Past Due	3,587	1,296
Current	183,517	149,558
Total Loans Receivable	187,104	150,854
Residential Real Estate [Member] | 30 to 59 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	2,391	484
Residential Real Estate [Member] | 60-89 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	824	379
Residential Real Estate [Member] | Greater Than 90 Days [Member]
Summary of loan portfolio aging analysis
Total Past Due	372	433
Consumer & Other [Member]
Summary of loan portfolio aging analysis
Total Past Due	334	306
Current	64,002	59,313
Total Loans Receivable	64,336	59,619
Consumer & Other [Member] | 30 to 59 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	177	182
Consumer & Other [Member] | 60-89 Days Past Due [Member]
Summary of loan portfolio aging analysis
Total Past Due	79	21
Consumer & Other [Member] | Greater Than 90 Days [Member]
Summary of loan portfolio aging analysis
Total Past Due	$ 78	$ 103

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Details 5) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Commercial & industrial [Member]
Summary of Impaired loan activity
With no related allowance recorded, Recorded Investment	$ 575
With no related allowance recorded, Unpaid Principal Balance	802
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	370
With no related allowance recorded, Interest Income Recognized	21
With a specific allowance recorded, Recorded Investment	125
With a specific allowance recorded, Unpaid Principal Balance	125
With a specific allowance recorded, Related Allowance	61
With a specific allowance recorded, Average Recorded Investment	127
With a specific allowance recorded, Interest Income Recognized	21
Total Recorded Investment	700
Total Unpaid Principal Balance	927
Total Related Allowance	61
Total Average Recorded Investment	497
Total Interest Income Recognized	42
Commercial RE & Construction [Member]
Summary of Impaired loan activity
With no related allowance recorded, Recorded Investment	283	696
With no related allowance recorded, Unpaid Principal Balance	283	722
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	336	756
With no related allowance recorded, Interest Income Recognized	21	34
With a specific allowance recorded, Recorded Investment		689
With a specific allowance recorded, Unpaid Principal Balance		689
With a specific allowance recorded, Related Allowance		146
With a specific allowance recorded, Average Recorded Investment		713
With a specific allowance recorded, Interest Income Recognized
Total Recorded Investment	283	1,385
Total Unpaid Principal Balance	283	1,411
Total Related Allowance		146
Total Average Recorded Investment	336	1,469
Total Interest Income Recognized	21	34
Agricultural & farmland [Member]
Summary of Impaired loan activity
With no related allowance recorded, Recorded Investment
With no related allowance recorded, Unpaid Principal Balance
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment
With no related allowance recorded, Interest Income Recognized
With a specific allowance recorded, Recorded Investment
With a specific allowance recorded, Unpaid Principal Balance
With a specific allowance recorded, Related Allowance
With a specific allowance recorded, Average Recorded Investment
With a specific allowance recorded, Interest Income Recognized
Total Recorded Investment
Total Unpaid Principal Balance
Total Related Allowance
Total Average Recorded Investment
Total Interest Income Recognized
Residential Real Estate [Member]
Summary of Impaired loan activity
With no related allowance recorded, Recorded Investment	1,249	752
With no related allowance recorded, Unpaid Principal Balance	1,292	795
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	1,995	1,460
With no related allowance recorded, Interest Income Recognized	91	67
With a specific allowance recorded, Recorded Investment	862	1,078
With a specific allowance recorded, Unpaid Principal Balance	888	1,097
With a specific allowance recorded, Related Allowance	73	178
With a specific allowance recorded, Average Recorded Investment	426	628
With a specific allowance recorded, Interest Income Recognized	20	25
Total Recorded Investment	2,111	1,830
Total Unpaid Principal Balance	2,180	1,892
Total Related Allowance	73	178
Total Average Recorded Investment	2,421	2,088
Total Interest Income Recognized	111	92
Consumer & Other [Member]
Summary of Impaired loan activity
With no related allowance recorded, Recorded Investment	113	110
With no related allowance recorded, Unpaid Principal Balance	113	110
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	125	128
With no related allowance recorded, Interest Income Recognized	8	9
With a specific allowance recorded, Recorded Investment	77	87
With a specific allowance recorded, Unpaid Principal Balance	77	87
With a specific allowance recorded, Related Allowance	4	5
With a specific allowance recorded, Average Recorded Investment	91	91
With a specific allowance recorded, Interest Income Recognized	6	5
Total Recorded Investment	190	197
Total Unpaid Principal Balance	190	197
Total Related Allowance	4	5
Total Average Recorded Investment	216	219
Total Interest Income Recognized	$ 14	$ 14

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses (Details Textual)	12 Months Ended
	Dec. 31, 2018USD ($)
Loans and Allowance for Loan Losses (Textual)
Principal amount outstanding of loans held-in-portfolio	$ 100,000
Impaired loans which included in groups of homogenous loans	Impaired loans less than $100,000 are included in groups of homogenous loans.

Mortgage Banking and Servicin_3

Mortgage Banking and Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Summary of mortgage servicing rights capitalized and related amortization
Carrying amount, beginning of year	$ 9,907	$ 8,422
Mortgage servicing rights capitalized during the year	2,749	2,540
Mortgage servicing rights amortization during the year	(1,230)	(1,132)
Net change in valuation allowance	(61)	77
Carrying amount, end of year	11,365	9,907
Valuation allowance:
Beginning of year	151	228
Increase (reduction)	61	(77)
End of year	212	151
Fair value, beginning of period	11,338	9,656
Fair value, end of period	$ 12,672	$ 11,338

Mortgage Banking and Servicin_4

Mortgage Banking and Servicing Rights (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Mortgage Banking and Servicing Rights (Textual)
Unpaid principal balance of mortgage loans	$ 1,084.7	$ 994.9
Contractually specified servicing fees	$ 2.6	$ 2.4

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - Derivatives not designated as hedging instruments [Member] - Interest rate contracts [Member] - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Other Assets [Member]
Fair value of the Company's derivative financial instruments, as well as their classification on the balance sheet
Asset Derivatives	$ 687	$ 698
Other Liabilities [Member]
Fair value of the Company's derivative financial instruments, as well as their classification on the balance sheet
Liability Derivatives	$ 687	$ 698

Derivative Financial Instrume_4

Derivative Financial Instruments (Details Textual) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Derivative Financial Instruments (Textual)
Notional amount of customer-facing swaps	$ 49.9	$ 39.3

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of premises and equipment
Property, Plant and Equipment, Gross	$ 40,905	$ 38,978
Less accumulated depreciation	(18,821)	(17,701)
Net premises and equipment	22,084	21,277
Land [Member]
Summary of premises and equipment
Property, Plant and Equipment, Gross	3,561	3,514
Buildings and improvements [Member]
Summary of premises and equipment
Property, Plant and Equipment, Gross	24,251	23,496
Equipment [Member]
Summary of premises and equipment
Property, Plant and Equipment, Gross	11,995	11,564
Construction in process [Member]
Summary of premises and equipment
Property, Plant and Equipment, Gross	$ 1,098	$ 404

Goodwill and Intangibles (Detai

Goodwill and Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Core deposits intangible [Member]
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	$ 4,698	$ 4,698
Accumulated Amortization	(4,688)	(4,682)
Customer relationship intangible [Member]
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	200	200
Accumulated Amortization	(162)	(158)
Banking intangibles [Member]
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	4,898	4,898
Accumulated Amortization	$ (4,850)	$ (4,840)

Goodwill and Intangibles (Det_2

Goodwill and Intangibles (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Goodwill and Intangibles (Textual)
Intangible amortization expense	$ 10	$ 11
Goodwill balance	16,400	16,400
Amortization expense for intangibles [Member]
Goodwill and Intangibles (Textual)
Intangible amortization expense	$ 10	$ 10

Interest-Bearing Deposits (Deta

Interest-Bearing Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of scheduled maturities of time deposit
2,019	$ 144,833
2,020	56,223
2,021	21,724
2,022	16,596
2,023	1,703
Thereafter	383
Time Deposits	$ 241,462	$ 217,818

Interest-Bearing Deposits (De_2

Interest-Bearing Deposits (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Interest-Bearing Deposits (Textual)
Interest-bearing time deposits in denominations of $250,000 or more	$ 26,600	$ 27,900
Certificates of deposit obtained from brokers	$ 13,200	10,700
Deposits maturity date	Between 2019 and 2021.
Time deposits certificate of deposit account registry service	$ 72,600	$ 55,400
Cash FDIC insured	250
Cash CDARS program insured	250
State bank program	$ 250

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Short-Term Borrowings [Abstract]
Securities Sold Under Repurchase Agreements	$ 15,184	$ 15,082

Short-Term Borrowings (Details

Short-Term Borrowings (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Short-Term Borrowings (Textual)
Purchases of federal funds	$ 41,000	$ 38,000
Retail repurchase agreements total amount	15,200
Repurchase agreements securities	15,184	15,082
Mortgage-backed securities	14,800	14,800
Retail Repurchase Agreements [Member]
Short-Term Borrowings (Textual)
Maximum amount of outstanding agreements at any month-end	18,300	18,400
Monthly average of such agreements totaled	$ 16,500	12,400
Short-term borrowings mature	Within one month.
Repurchase agreements securities	$ 3,100	$ 4,300
Mortgage-backed securities maturity, basis of allocation description	This collateral has maturities from 2022 through 2044.

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of aggregate annual maturities of Federal Home Loan Bank advances
2,019
2,020	8,000
2,021	2,500
2,022	3,000
2,023	2,500
Total	$ 16,000	$ 18,500

Federal Home Loan Bank Advanc_4

Federal Home Loan Bank Advances (Details Textual) $ in Millions	Dec. 31, 2018USD ($)
Federal Home Loan Bank Advances (Textual)
Secured by mortgage loans	$ 148
Minimum [Member]
Federal Home Loan Bank Advances (Textual)
Interest rate	1.84%
Maximum [Member]
Federal Home Loan Bank Advances (Textual)
Interest rate	2.93%

Trust Preferred Securities (Det

Trust Preferred Securities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2016
Trust Preferred Securities (Textual)
Trust preferred securities, Description	On September 15, 2005, RST II, a wholly-owned subsidiary of the Company, closed a pooled private offering of 10,000 Capital Securities with a liquidation amount of $1,000 per security. The proceeds of the offering were loaned to the Company in exchange for junior subordinated debentures with terms similar to the Capital Securities. Distributions on the Capital Securities are payable quarterly at a variable rate that is based upon the 3-month LIBOR plus 1.80 percent and are included in interest expense in the consolidated financial statements. These securities may be included in Tier 1 capital and may be prepaid at anytime without penalty (with certain limitations applicable) under current regulatory guidelines and interpretations.
Capital Securities	$ 10.3	$ 10.3
Capital securities maturity date	Sep. 15, 2035

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Schedule of provision for income taxes
Taxes currently payable	$ 2,482	$ 3,348
Impact of TCJA		(1,730)
Deferred provision	324	(788)
Income tax expense	$ 2,806	$ 2,560

Income Taxes (Details 1)

Income Taxes (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Schedule of reconciliation of income tax expense
Computed at the statutory rate (21% and 34%)	$ 3,033	$ 4,633
Increase (decrease) resulting from
Tax exempt interest	(118)	(200)
BOLI income	(75)	(142)
Impact of TCJA		(1,730)
Stock compensation	(43)	(77)
Other	9	76
Actual tax expense	$ 2,806	$ 2,560

Income Taxes (Details 2)

Income Taxes (Details 2) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets
Allowance for loan losses	$ 1,715	$ 1,665
Net deferred loan fees	61	63
Unrealized losses on available-for-sale securities	147	38
Other	215	165
Deferred Tax Assets, Gross	2,138	1,931
Deferred tax liabilities
Depreciation	(950)	(926)
Mortgage servicing rights	(2,464)	(2,162)
Purchase accounting adjustments	(1,162)	(1,102)
Prepaids	(205)	(169)
FHLB stock dividends	(288)	(288)
Deferred Tax Liabilities, Gross	(5,069)	(4,647)
Net deferred tax liability	$ (2,931)	$ (2,716)

Income Taxes (Details Textual)

Income Taxes (Details Textual)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Income Taxes (Textual)
Statutory income tax rate	21.00%	34.00%
Description of deferred tax assets and liabilities	For deferred tax assets and liabilities, amounts were remeasured based on the rates expected to reverse in the future, which was 21 percent. As noted above, the Company realized a one-time tax credit due to the TCJA of $1.7 million in 2017.
Maximum [Member]
Income Taxes (Textual)
US Federal corporate tax rate	35.00%
Minimum [Member]
Income Taxes (Textual)
US Federal corporate tax rate	21.00%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accumulated Other Comprehensive Loss [Abstract]
Realized gains included in net income	$ 70	$ 119
Realized gains included in net income, Total	70	119	$ 262
Tax effect	(15)	(40)	$ (89)
Net of Tax	$ 55	$ 79

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Summary of State Bank's actual capital amounts and ratios
Tier I Capital to average assets, Actual, Amount	$ 110,022	$ 83,807
Tier I Capital to average assets, Adequacy Purposes, Amount	39,183	34,477
Tier I Capital to average assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Amount	48,979	43,097
Tier I Common equity capital to risk-weighted assets, Actual, Amount	110,022	83,807
Tier I Common equity capital to risk-weighted assets, Adequacy Purposes, Amount	39,386	35,786
Tier I Common equity capital to risk-weighted assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Amount	56,890	51,691
Tier I Capital to risk-weighted assets, Actual, Amount	110,022	83,807
Tier I Capital to risk-weighted assets, Adequacy Purposes, Amount	52,514	47,715
Tier I Capital to risk-weighted assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Amount	70,019	63,620
Total Risk-based capital to risk-weighted assets, Actual, Amount	118,189	91,737
Total Risk-based capital to risk-weighted assets, Adequacy Purposes, Amount	70,019	63,620
Total Risk-based capital to risk-weighted assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Amount	$ 87,524	$ 79,524
Tier I Capital to average assets, Actual, Ratio	11.23%	9.72%
Tier I Capital to average assets, Adequacy Purposes, Ratio	4.00%	4.00%
Tier I Capital to average assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Ratio	5.00%	5.00%
Tier I Common equity capital to risk-weighted assets, Actual, Ratio	12.57%	10.54%
Tier I Common equity capital to risk-weighted assets, Adequacy Purposes, Ratio	4.50%	4.50%
Tier I Common equity capital to risk-weighted assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Ratio	6.50%	6.50%
Tier I Capital to risk-weighted assets, Actual, Ratio	12.57%	10.54%
Tier I Capital to risk-weighted assets, Adequacy Purposes, Ratio	6.00%	6.00%
Tier I Capital to risk-weighted assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Ratio	8.00%	8.00%
Total Risk-based capital to risk-weighted assets, Actual, Ratio	13.50%	11.54%
Total Risk-based capital to risk-weighted assets, Adequacy Purposes, Ratio	8.00%	8.00%
Total Risk-based capital to risk-weighted assets, To Be Well Capitalized Under Prompt Corrective Action Procedures, Ratio	10.00%	10.00%

Regulatory Matters (Details Tex

Regulatory Matters (Details Textual)	12 Months Ended
	Dec. 31, 2018
Regulatory Matters (Textual)
Capital conservation buffer percentage, description	The capital conservation buffer is phasing in from 0.0 percent for 2015 to 2.50 percent for 2019. The capital conservation buffer was 1.875 percent at December 31, 2018 and was fully phased in to 2.50 percent at January 1, 2019.

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Employee Benefits (Textual)
Maximum employee contribution of compensation received	4.00%
Employer matching contribution, percent	100.00%
Amount of Employer contributions charged to expense	$ 500	$ 500
Cash surrender value of all life insurance policies	$ 16,834	$ 16,479
Employee stock ownership plan (ESOP), number of allocated shares	440,359	457,136
Employee stock ownership plan (ESOP), compensation expense	$ 300	$ 200
Description of supplemental executive retirement plan agreement with certain active and retired officers	Agreements provide monthly payments for up to 15 years that equal 15 percent to 25 percent of average compensation prior to retirement or death.
Expense charged under supplemental executive retirement plan agreements	$ 200	$ 200
Contribution plan, description	Any discretionary contribution made by the Company is fully vested after three years of credited service.

Share Based Compensation Plan_2

Share Based Compensation Plan (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)$ / sharesshares
Shares
Outstanding, beginning of year | shares	92,500
Granted | shares
Exercised | shares	(28,500)
Forfeited | shares
Expired | shares
Outstanding, end of year | shares	64,000
Exercisable, end of year | shares	64,000
Weighted-Average Exercise Price
Outstanding, beginning of year | $ / shares	$ 6.97
Granted | $ / shares
Exercised | $ / shares	6.92
Forfeited | $ / shares
Expired | $ / shares
Outstanding, end of year | $ / shares	6.99
Exercisable, end of year | $ / shares	$ 6.99
Weighted-Average Remaining Term
Outstanding, end of year	1 year 1 month 9 days
Exercisable, end of year	1 year 1 month 9 days
Aggregate Intrinsic Value
Outstanding, end of year | $	$ 605,225
Exercisable, end of year | $	$ 605,225

Share Based Compensation Plan_3

Share Based Compensation Plan (Details 1) - Restricted Stock [Member]	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Shares
Nonvested, beginning of year | shares	52,258
Granted | shares	16,268
Vested | shares	(21,632)
Forfeited | shares
Nonvested, end of year | shares	46,894
Weighted-Average Value per Share
Nonvested, beginning of year | $ / shares	$ 14.91
Granted | $ / shares	17.66
Vested | $ / shares	13.95
Forfeited | $ / shares
Nonvested, end of year | $ / shares	$ 16.31

Share Based Compensation Plan_4

Share Based Compensation Plan (Details Textual) - USD ($) $ in Millions	Feb. 05, 2013	Dec. 31, 2018	Dec. 31, 2017
Share Based Compensation Plan (Textual)
Option exercised shares		28,500
Total intrinsic value		$ 0.4
Cash received from exercised options		$ 0.1
Shares available for grants of awards
Share based compensation plan, description		The 2008 Plan, which was approved by the shareholders in April 2008, permitted the grant or award of incentive stock options, nonqualified stock options, stock appreciation rights ("SARs"), and restricted stock for up to 250,000 Common Shares of the Company.
Restricted Stock [Member]
Share Based Compensation Plan (Textual)
Option awards vesting period	4 years
Compensation cost charged against income		$ 0.3	$ 0.3
Total income tax benefit recognized in income statement for share-based compensation arrangements		0.1	$ 0.1
Total unrecognized compensation cost related to non-vested share-based compensation arrangements granted under plan		$ 0.5
Weighted-average period term		1 year 9 months
2008 Stock Incentive Plan [Member]
Share Based Compensation Plan (Textual)
SAR and common restricted stock, shares		500,000
Option awards vesting period		5 years
Option awards contractual terms		10 years

Preferred Stock (Details)

Preferred Stock (Details) - Series A Preferred Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	Dec. 23, 2014	Dec. 31, 2018
Preferred Stock (Textual)
Liquidation preference per share	$ 1,000
Share price	$ 10
Preferred capital offering, description	The Company completed its public offering of 1,500,000 depositary shares, each representing a 1/100th ownership interest in a 6.50 percent Noncumulative Convertible Preferred Share, Series A
Proceeds from issuance of Series A preferred stock	$ 14,000
Conversion price		$ 10.1860
Preferred stock, Conversion basis description		On or after the fifth anniversary of the issue date of the Series A Preferred Shares (December 23, 2019), the Company may require all holders of Series A Preferred Shares (and, therefore, depositary shares) to convert their shares into common shares of the Company, provided the Company's common share price exceeds 120 percent of the current conversion price of $10.19, or $12.23.
Conversion of outstanding Series A Preferred Shares		1,472,125
Percentage of noncumulative convertible preferred share	6.50%
Depository shares issued, Value	$ 15,000
Depository shares issued, Shares	1,500,000
Conversion of shares, amount		$ 1,000

Disclosures about Fair Value _3

Disclosures about Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
U.S. Treasury and Government agencies [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	$ 18,670	$ 12,708
Mortgage-backed securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	60,943	56,762
State and political subdivisions [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	11,356	13,250
Equity securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring		70
Level 1 [Member] | U.S. Treasury and Government agencies [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 1 [Member] | Mortgage-backed securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 1 [Member] | State and political subdivisions [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 1 [Member] | Equity securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 1 [Member] | Interest rate contracts - assets [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 1 [Member] | Interest rate contracts - liabilities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 2 [Member] | U.S. Treasury and Government agencies [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	18,670	12,708
Level 2 [Member] | Mortgage-backed securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	60,943	56,762
Level 2 [Member] | State and political subdivisions [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	11,356	13,250
Level 2 [Member] | Equity securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring		70
Level 2 [Member] | Interest rate contracts - assets [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring	687	698
Level 2 [Member] | Interest rate contracts - liabilities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Liabilities, fair value, recurring	(687)	(698)
Level 3 [Member] | U.S. Treasury and Government agencies [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 3 [Member] | Mortgage-backed securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 3 [Member] | State and political subdivisions [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 3 [Member] | Equity securities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 3 [Member] | Interest rate contracts - assets [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring
Level 3 [Member] | Interest rate contracts - liabilities [Member]
Fair value measurements of securities measured at fair value on a recurring basis
Assets, fair value, recurring

Disclosures about Fair Value _4

Disclosures about Fair Value of Assets and Liabilities (Details 1) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Impaired loans [Member] | Level 1 [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring
Impaired loans [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring	1,027	982
Impaired loans [Member] | Level 2 [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring
Impaired loans [Member] | Level 3 [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring	1,027	982
Mortgage servicing rights [Member] | Level 1 [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring
Mortgage servicing rights [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring	3,191	1,490
Mortgage servicing rights [Member] | Level 2 [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring
Mortgage servicing rights [Member] | Level 3 [Member]
Fair value measurements of assets measured at fair value on a non-recurring basis
Assets, fair value, nonrecurring	$ 3,191	$ 1,490

Disclosures about Fair Value _5

Disclosures about Fair Value of Assets and Liabilities (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Collateral-dependent impaired loans [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Fair Value	$ 1,027	$ 982
Valuation technique	Market comparable properties	Market comparable properties
Collateral-dependent impaired loans [Member] | Comparability adjustments percent [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Unobservable inputs	Comparability adjustments (%)	Comparability adjustments (%)
Range (weighted-average), minimum	20.00%
Range (weighted-average), maximum	35.00%
Mortgage servicing rights [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Fair Value	$ 3,191	$ 1,490
Valuation technique	Discounted cash flow	Discounted cash flow
Mortgage servicing rights [Member] | Discount Rate [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Unobservable inputs	Discount Rate	Discount Rate
Range (weighted-average), maximum	10.30%	9.65%
Mortgage servicing rights [Member] | Constant prepayment rate [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Unobservable inputs	Constant prepayment rate	Constant prepayment rate
Range (weighted-average), maximum	7.02%	7.51%
Mortgage servicing rights [Member] | T&I earnings credit [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Unobservable inputs	T&I earnings credit	T&I earnings credit
Range (weighted-average), maximum	3.02%	2.13%
Mortgage servicing rights [Member] | P&I earnings credit [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Unobservable inputs	P&I earnings credit	P&I earnings credit
Range (weighted-average), maximum	2.51%	1.56%
Mortgage servicing rights [Member] | Inflation for cost of servicing [Member]
Quantitative information about unobservable inputs used in recurring and nonrecurring fair value measurements
Unobservable inputs	Inflation for cost of servicing	Inflation for cost of servicing
Range (weighted-average), maximum	1.50%	1.50%

Disclosures about Fair Value _6

Disclosures about Fair Value of Assets and Liabilities (Details 3) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financial assets
Cash and due from banks	$ 48,363	$ 26,616
Loans held for sale	4,445	3,940
Loans, net of allowance for loan losses	763,716	688,685
Federal Reserve and FHLB Bank stock, at cost	4,123	3,748
Interest receivable	2,822	1,825
Financial liabilities
Deposits	802,552	729,600
Repurchase agreements	15,184	15,082
FHLB advances	16,000	18,500
Trust preferred securities	10,310	10,310
Interest payable	909	592
Fair value [Member]
Financial assets
Cash and due from banks	48,363	26,616
Loans held for sale	4,589	4,041
Loans, net of allowance for loan losses	757,469	686,940
Federal Reserve and FHLB Bank stock, at cost	4,123	3,748
Interest receivable	2,822	1,825
Financial liabilities
Deposits	799,726	732,605
Repurchase agreements	15,184	15,082
FHLB advances	15,848	18,385
Trust preferred securities	10,233	9,673
Interest payable	909	592
Level 1 [Member]
Financial assets
Cash and due from banks	48,363	26,616
Loans held for sale
Loans, net of allowance for loan losses
Federal Reserve and FHLB Bank stock, at cost
Interest receivable
Financial liabilities
Deposits	561,090	511,782
Repurchase agreements
FHLB advances
Trust preferred securities
Interest payable
Level 2 [Member]
Financial assets
Cash and due from banks
Loans held for sale	4,589	4,041
Loans, net of allowance for loan losses
Federal Reserve and FHLB Bank stock, at cost	4,123	3,748
Interest receivable	2,822	1,825
Financial liabilities
Deposits	238,636	220,823
Repurchase agreements	15,184	15,082
FHLB advances	15,848	18,385
Trust preferred securities	10,233	9,673
Interest payable	909	592
Level 3 [Member]
Financial assets
Cash and due from banks
Loans held for sale
Loans, net of allowance for loan losses	757,469	686,940
Federal Reserve and FHLB Bank stock, at cost
Interest receivable
Financial liabilities
Deposits
Repurchase agreements
FHLB advances
Trust preferred securities
Interest payable

Disclosures about Fair Value _7

Disclosures about Fair Value of Assets and Liabilities (Details Textual)	12 Months Ended
	Dec. 31, 2018
Disclosures About Fair Value of Assets and Liabilities (Textual)
Interest rate on mortgage service, description	The mortgage servicing rights have increased in value. The servicing rights have had a decline in prepayments and the 0.49 percent decrease in the constant prepayment rate reflects the change in market rates.

Parent Company Financial Info_3

Parent Company Financial Information (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash & cash equivalents	$ 48,363	$ 26,616	$ 17,012
Other assets	5,575	4,923
Total assets	986,828	876,627
Liabilities
Total liabilities	856,393	782,627
Stockholders' equity	130,435	94,000	86,548
Total liabilities and stockholders' equity	986,828	876,627
Parent [Member]
Assets
Cash & cash equivalents	14,038	2,684	$ 4,681
Investment in banking subsidiaries	126,507	101,476
Investment in nonbanking subsidiaries	1,232	1,218
Other assets	224	268
Total assets	142,001	105,646
Liabilities
Trust preferred securities	10,000	10,000
Borrowings from nonbanking subsidiaries	310	310
Other liabilities & accrued interest payable	1,256	1,336
Total liabilities	11,566	11,646
Stockholders' equity	130,435	94,000
Total liabilities and stockholders' equity	$ 142,001	$ 105,646

Parent Company Financial Info_4

Parent Company Financial Information (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Expenses
Interest expense	$ 6,212	$ 4,094
Income tax benefit	2,806	2,560
Equity in undistributed income of subsidiaries
Net income	11,638	11,065	$ 8,784
Preferred stock dividends	975	975
Net income available to common shareholders	10,663	10,090
Net income	11,638	11,065	8,784
Available-for-sale investment securities:
Gross unrealized holding loss arising in the period	(590)	(374)	(1,170)
Related tax benefit	124	126	398
Less: reclassification adjustment for gain realized in income	70	119	262
Related tax benefit	(15)	(40)	(89)
Net effect on other comprehensive income	(411)	(169)	(599)
Total comprehensive income	11,227	10,896	$ 8,185
Parent [Member]
Dividends from subsidiaries:
Banking subsidiaries		2,000
Nonbanking subsidiaries		40
Total income		2,040
Expenses
Interest expense	401	304
Other expense	1,327	1,352
Total expenses	1,728	1,656
Income before income tax	(1,728)	384
Income tax benefit	(409)	(543)
Income before equity in undistributed income of subsidiaries	(1,319)	927
Equity in undistributed income of subsidiaries
Banking subsidiaries	12,942	10,337
Nonbanking subsidiaries	15	(199)
Total	12,957	10,138
Net income	11,638	11,065
Preferred stock dividends	975	975
Net income available to common shareholders	10,663	10,090
Net income	11,638	11,065
Available-for-sale investment securities:
Gross unrealized holding loss arising in the period	(590)	(374)
Related tax benefit	124	126
Less: reclassification adjustment for gain realized in income	70	119
Related tax benefit	(15)	(40)
Net effect on other comprehensive income	(411)	(169)
Total comprehensive income	$ 11,227	$ 10,896

Parent Company Financial Info_5

Parent Company Financial Information (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Operating activities
Net income	$ 11,638	$ 11,065	$ 8,784
Items not requiring (providing) cash
Other assets	562	1,760
Net cash provided by (used in) operating activities	13,850	9,803
Investing activities
Net cash provided by (used in) investing activities	(87,587)	(49,529)
Financing activities
Dividends on common stock	2,090	1,362
Dividends on preferred stock	975	975
Proceeds from issuance of common shares	27,912
Proceeds from stock compensation	100
Net cash used in financing activities	95,484	49,330
Net change in cash and cash equivalents	21,747	9,604
Cash and cash equivalents, beginning of year	26,616	17,012
Cash and cash equivalents, end of year	48,363	26,616	17,012
Parent [Member]
Operating activities
Net income	11,638	11,065
Items not requiring (providing) cash
Equity in undistributed net income of subsidiaries	(12,957)	(10,138)
Stock compensation expense	278	303
Other assets	44	405
Other liabilities	(79)	115
Net cash provided by (used in) operating activities	(1,076)	1,750
Investing activities
Capital contributed to banking subsidiary	(12,500)
Net cash provided by (used in) investing activities	(12,500)
Financing activities
Dividends on common stock	(2,090)	(1,362)
Dividends on preferred stock	(975)	(975)
Proceeds from issuance of common shares	27,912
Proceeds from stock compensation	192	375
Repurchase of common shares	(109)	(1,785)
Net cash used in financing activities	24,930	(3,747)
Net change in cash and cash equivalents	11,354	(1,997)
Cash and cash equivalents, beginning of year	2,684	4,681
Cash and cash equivalents, end of year	$ 14,038	$ 2,684	$ 4,681

Quarterly Financial Informati_3

Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Effect of Fourth Quarter Events [Line Items]
Interest income									$ 39,479	$ 32,480
Interest expense									6,212	4,094
Net interest income									33,267	28,386
Provision for loan losses									600	400
Noninterest income									16,624	17,217
Noninterest expense									34,847	31,578
Income tax expense									2,806	2,560
Net income									11,638	11,065	$ 8,784
Preferred share dividend									975	975
Net income available to common									$ 10,663	$ 10,090
Basic earnings per common share									$ 1.72	$ 2.1
Diluted earnings per common share									1.51	1.74
Quarterly Financial Information [Member]
Effect of Fourth Quarter Events [Line Items]
Interest income	$ 10,638	$ 10,258	$ 9,732	$ 8,851	$ 8,762	$ 8,338	$ 7,966	$ 7,414
Interest expense	2,024	1,729	1,308	1,151	1,108	1,075	1,003	908
Net interest income	8,614	8,529	8,424	7,700	7,654	7,263	6,963	6,506
Provision for loan losses			300	300	200		200
Noninterest income	3,930	4,202	4,249	4,243	4,092	4,861	4,462	3,802
Noninterest expense	8,852	8,789	8,579	8,627	8,106	8,284	7,806	7,382
Income tax expense	732	824	687	563	(592)	1,117	1,102	933
Net income	2,960	3,118	3,107	2,453	4,032	2,723	2,317	1,993
Preferred share dividend	243	244	244	244	243	244	244	244
Net income available to common	$ 2,717	$ 2,874	$ 2,863	$ 2,209	$ 3,789	$ 2,479	$ 2,073	$ 1,749
Basic earnings per common share	$ 0.42	$ 0.45	$ 0.45	$ 0.40	$ 0.79	$ 0.52	$ 0.43	$ 0.36
Diluted earnings per common share	0.37	0.39	0.40	0.35	0.64	0.43	0.37	0.31
Dividends per share	$ 0.085	$ 0.080	$ 0.080	$ 0.075	$ 0.075	$ 0.07	$ 0.07	$ 0.065	$ 0.085	$ 0.075