SB Financial (SBFG) 10-K 7 Mar 22 2021 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 22, 2022	Jun. 30, 2021
Document Information Line Items
Entity Registrant Name	SB FINANCIAL GROUP, INC.
Trading Symbol	SBFG
Document Type	10-K
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		7,211,549
Entity Public Float			$ 130,000,000
Amendment Flag	false
Entity Central Index Key	0000767405
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Non-accelerated Filer
Entity Well-known Seasoned Issuer	No
Document Period End Date	Dec. 31, 2021
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
ICFR Auditor Attestation Flag	false
Document Annual Report	true
Document Transition Report	false
Entity File Number	001-36785
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	34-1395608
Entity Address, Address Line One	401 Clinton Street
Entity Address, City or Town	Defiance
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43512
City Area Code	(419)
Local Phone Number	783-8950
Title of 12(b) Security	Common Shares, No Par Value
Security Exchange Name	NASDAQ
Entity Interactive Data Current	Yes
Auditor Firm ID	686
Auditor Name	BKD, LLP
Auditor Location	Indianapolis, Indiana

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 149,511	$ 140,690
Interest bearing time deposits	2,643	5,823
Available-for-sale securities	263,259	149,406
Loans held for sale	7,472	7,234
Loans, net of unearned income	822,714	872,723
Allowance for loan losses	(13,805)	(12,574)
Premises and equipment, net	23,212	23,557
Federal Reserve and Federal Home Loan Bank Stock, at cost	5,303	5,303
Foreclosed assets and other assets held for sale, net	2,104	23
Interest receivable	2,920	3,799
Goodwill	23,191	22,091
Cash value of life insurance	17,867	17,530
Mortgage servicing rights	12,034	7,759
Other assets	12,429	14,475
Total assets	1,330,854	1,257,839
Liabilities
Non interest bearing demand	247,044	251,649
Interest bearing demand	195,464	176,785
Savings	237,571	174,864
Money market	276,462	216,164
Time deposits	156,504	229,549
Total deposits	1,113,045	1,049,011
Repurchase agreements	15,320	20,189
Federal Home Loan Bank advances	5,500	8,000
Trust preferred securities	10,310	10,310
Subordinated debt net of issuance costs	19,546
Interest payable	299	616
Other liabilities	21,905	26,790
Total liabilities	1,185,925	1,114,916
Commitments & Contingent Liabilities
Shareholders’ Equity
Preferred stock, no par value; authorized 200,000 shares; 2021 - 0 shares outstanding, 2020 - 0 shares outstanding
Common stock, no par value; authorized 10,000,000 shares; 2021 - 8,180,712 shares issued, 2020 - 8,180,712 shares issued	54,463	54,463
Additional paid-in capital	14,944	14,845
Retained earnings	99,716	84,578
Accumulated other comprehensive income (loss)	(1,845)	2,210
Treasury stock, at cost; (2021 - 1,296,382 common shares, 2020 - 808,456 common shares)	(22,349)	(13,173)
Total shareholders’ equity	144,929	142,923
Total liabilities and shareholders’ equity	$ 1,330,854	$ 1,257,839

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Preferred stock, par value (in Dollars per share)
Preferred stock, shares authorized	200,000	200,000
Preferred stock, shares outstanding	0	0
Common stock, par value (in Dollars per share)
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	8,180,712	8,180,712
Treasury stock shares	1,296,382	808,456

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans
Taxable	$ 37,959	$ 39,735
Tax exempt	206	239
Securities
Taxable	3,386	2,328
Tax exempt	353	333
Total interest income	41,904	42,635
Interest Expense
Deposits	3,129	6,070
Repurchase agreements & other	42	70
Federal Home Loan Bank advance expense	188	309
Trust preferred securities expense	199	256
Subordinated debt expense	462
Total interest expense	4,020	6,705
Net Interest Income	37,884	35,930
Provision for loan losses	1,050	4,500
Net interest income after provision for loan losses	36,834	31,430
Noninterest Income
Wealth management fees	3,814	3,245
Customer service fees	3,217	2,807
Gain on sale of mortgage loans & OMSR	17,255	25,350
Mortgage loan servicing fees, net	2,940	(5,138)
Gain on sale of non-mortgage loans	158	453
Title insurance income	2,089	1,913
Other income	1,224	1,466
Total noninterest income	30,697	30,096
Noninterest Expense
Salaries and employee benefits	26,838	25,397
Net occupancy expense	3,048	2,891
Equipment expense	3,281	3,186
Data processing fees	2,579	3,055
Professional fees	3,027	3,307
Marketing expense	784	658
Telephone and communications	581	535
Postage and delivery expense	414	415
State, local and other taxes	1,175	1,146
Employee expense	663	535
Other expense	2,418	1,962
Total noninterest expense	44,808	43,087
Income before income tax	22,723	18,439
Provision for income taxes	4,446	3,495
Net Income	$ 18,277	$ 14,944
Basic earnings per common share (in Dollars per share)	$ 2.58	$ 1.96
Diluted earnings per common share (in Dollars per share)	$ 2.56	$ 1.96

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Statement [Abstract]
Net income	$ 18,277	$ 14,944
Other comprehensive income
Gross unrealized holding gain (loss) arising in the period	(5,133)	1,963
Related tax expense (benefit)	1,078	(412)
Net effect on other comprehensive income (loss)	(4,055)	1,551
Total comprehensive income	$ 14,222	$ 16,495

Consolidated Statements of Stoc

Consolidated Statements of Stockholders’ Equity - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total
Balance at Dec. 31, 2019	$ 54,463	$ 15,023	$ 72,704	$ 659	$ (6,755)	$ 136,094
Net income			14,944			14,944
Other comprehensive loss				1,551		1,551
Dividends common stock, per share amount			(3,070)			(3,070)
Restricted stock vesting		(307)			307
Stock options exercised		(253)			441	188
Repurchased stock					(7,166)	(7,166)
Stock based compensation expense		382				382
Balance at Dec. 31, 2020	54,463	14,845	84,578	2,210	(13,173)	142,923
Net income			18,277			18,277
Other comprehensive loss				(4,055)		(4,055)
Dividends common stock, per share amount			(3,139)			(3,139)
Restricted stock vesting		(344)			344
Repurchased stock					(9,520)	(9,520)
Stock based compensation expense		443				443
Balance at Dec. 31, 2021	$ 54,463	$ 14,944	$ 99,716	$ (1,845)	$ (22,349)	$ 144,929

Consolidated Statements of St_2

Consolidated Statements of Stockholders’ Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Statement of Stockholders' Equity [Abstract]
Dividends on common per share	$ 0.44	$ 0.4

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Operating Activities
Net Income	$ 18,277	$ 14,944
Items not requiring (providing) cash
Depreciation and amortization	2,262	1,937
Provision for loan losses	1,050	4,500
Expense of share-based compensation plan	443	382
Amortization of premiums and discounts on securities	1,236	643
Amortization of intangible assets	71	46
Amortization of originated mortgage servicing rights	3,885	4,762
Impairment (recovery) of mortgage servicing rights	(3,436)	3,586
Deferred income taxes	2,302	(2,444)
Proceeds from sale of loans held for sale	490,557	603,178
Originations of loans held for sale	(478,119)	(582,538)
Gain from sale of loans	(17,413)	(25,803)
Changes in
Interest receivable	879	(693)
Other assets	2,006	(5,211)
Interest payable & other liabilities	(6,743)	6,618
Net cash provided by operating activities	17,257	23,907
Investing Activities
Purchases of available-for-sale securities	(170,694)	(129,796)
Proceeds from maturities of interest bearing time deposits	3,180	5,719
Proceeds from maturities of available-for-sale securities	50,471	84,021
Net change in loans	48,503	(31,706)
Purchase of premises, equipment	(2,427)	(1,980)
Proceeds from sales of premises, equipment		301
Purchase of bank owned life insurance	(50)
Purchase of Federal Reserve and Federal Home Loan Bank Stock		(538)
Proceeds from sale of foreclosed assets	129	500
Acquisition, net of cash acquired (paid)	(1,100)	16,263
Net cash used in investing activities	(71,988)	(57,216)
Financing Activities
Net increase in demand deposits, money market, interest checking & savings accounts	137,079	195,501
Net increase (decrease) in time deposits	(73,045)	(37,762)
Net increase (decrease) in securities sold under agreements to repurchase	(4,869)	7,244
Repayment of Federal Home Loan Bank advances	(2,500)	(8,000)
Net proceeds from subordinated debt	19,546
Net proceeds from share-based compensation plans		188
Stock repurchase plan	(9,520)	(7,166)
Dividends on common shares	(3,139)	(3,070)
Net cash provided by financing activities	63,552	146,935
Increase in cash and cash equivalents	8,821	113,626
Cash and cash equivalents, beginning of year	140,690	27,064
Cash and cash equivalents, end of year	149,511	140,690
Supplemental cash flow information
Interest paid	4,337	7,280
Income taxes paid	4,230	5,180
Supplemental non-cash disclosure
Recognition of right-of-use lease assets	318	248
Transfer of loans to foreclosed assets	1,687	207
In conjunction with the Edon acquisition, liabilities assumed were:
Fair value of assets acquired		66,769
Cash paid in acquisition		(15,493)
Liabilities assumed		$ 51,276

Organization and Summary of Sig

Organization and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
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”), SBFG Title, LLC dba Peak Title Agency (“SBFG Title”), SB Captive, Inc. (“SB Captive”), 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, SBFG Title, SB Captive, RFCBC, RDSI, RMC, RST II, 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, 2021 and 2020, cash equivalents consisted primarily of interest-bearing and noninterest bearing demand deposit balances held by correspondent banks. At December 31, 2021, the Company’s correspondent cash accounts exceeded federally insured limits by $7.9 million. Additionally, the Company had approximately $129.1 million of cash held by the FRB and the FHLB, which is not federally insured. Securities Available-for-sale securities, which include any debt 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. The Company utilizes third-party hedges to minimize the impact of interest rate risk fluctuations, and their impact is realized through 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 and Other 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. The Company has a vacant lot in our Columbus region that was acquired for the construction of our Columbus office location in 2014. Due to an agreement in principle to sell the vacant lot, the Company has reclassified the asset into held for sale. 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 The Company utilizes derivative financial instruments to help manage exposure to interest rate risk and the effects that changes in interest rates may have on net income and the fair value of assets and liabilities. The Company enters into interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. Additionally, the Company enters into forward contracts for the future delivery of mortgage loans to third-party investors and enters into interest rate lock commitments (“IRLCs”) with potential borrowers to fund specific mortgage loans that will be sold into the secondary market. The forward contracts are entered into in order to economically hedge the effect of changes in interest rates resulting from the Company’s commitment to fund the loans. The IRLCs and forward contracts are not designated as accounting hedges and are recorded at fair value with the changes in fair value reflected in noninterest income on the consolidated statements of income. The fair value of derivative instruments with a positive fair value are reported in accrued income and other assets in the consolidated balance sheets, while the derivative instruments with a negative fair value are reported in accrued expenses and other liabilities in the consolidated balance sheets. 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, 2021 and 2020, the Company had a share-based employee compensation plan (see Note 20 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 2018. As of December 31, 2021, the Company had no uncertain income tax positions. 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 that may be issued by the Company related solely to outstanding stock options or awards which are determined using the treasury stock 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. AOCI consists solely of the cumulative unrealized gains and losses on available-for-sale securities net of income tax. Subordinated Debt At December 31, 2021, the Company had subordinated debt obligations of $20.0 million related to its 3.65% Fixed to Floating Rate Subordinated Notes due 2031, which were issued and sold by the Company on May 27, 2021. The Subordinated Notes were issued in order to assist the Company in meeting various corporate obligations, including share buybacks, acquisition costs and organic asset growth (see Note 15 to the Consolidated Financial Statements). Revenue Recognition The Company recognizes revenues as they are earned based on contractual terms, as transactions occur, or services are provided and collectability is reasonably assured. The Company’s principal source of revenue is interest income from loans and leases and investment securities. The Company also earns noninterest income from various banking and financial services offered through State Bank. Interest income is the largest source of revenue for the Company which is primarily recognized on an accrual basis. Noninterest income is earned through a variety of financial and transaction services provided to corporate and consumer clients such as trust and wealth advisory, deposit account, debit card, mortgage banking and insurance. New and applicable accounting pronouncements: ASU No. 2020-01: Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions between Topic 321, Topic 323 and Topic 815 This guidance was issued in January 2020 to clarify that a company should consider observable transactions that require a company to either apply or discontinue the equity method of accounting under Topic 323, Investments-Equity Method and Joint Ventures, for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments also clarify that when determining the accounting for certain forward contracts and purchased options a company should not consider, whether upon settlement or exercise, if the underlying securities would be accounted for under the equity method or fair value option. The guidance is effective beginning after December 15, 2020. The impact of this new guidance did not have a material impact on the Company’s consolidated financial statements. Accounting standards not yet adopted: ASU No. 2020-04: Reference Rate Reform – Facilitation of the Effects of Reference Rate Reform on Financial Reporting (Topic 848) This guidance provides temporary options to ease the potential burden in accounting for reference rate reform. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective as of March 12, 2020 through December 31, 2022. The Company anticipates being fully prepared to implement a replacement for the reference rate and has determined that any change will not have a material impact to the consolidated financial statements. ASU No. 2016-13: Financial Instruments – Credit Losses (Topic 326) This ASU, which is commonly known as CECL, 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 adoption of ASU 2016-13 has the potential 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. The Company will continue to estimate the impact of adopting ASU 2016-13 throughout 2022. We expect the final adoption of the standard will not have a material impact on the Company’s consolidated financial statements. We expect to be fully prepared for implementation by January 1, 2023.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
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 dilutive effect of stock compensation using the treasury stock method. EPS for the years ended December 31, 2021 and 2020 is computed as follows: Twelve Months Ended ($ and outstanding shares in thousands - except per share data) 2021 2020 Distributed earnings allocated to common shares $ 3,139 $ 3,070 Undistributed earnings allocated to common shares 15,117 11,858 Net earnings allocated to common shares 18,256 14,928 Net earnings allocated to participating securities 21 16 Net Income allocated to common shares and participating securities $ 18,277 $ 14,944 Weighted average shares outstanding for basic earnings per share 7,083 7,613 Dilutive effect of stock compensation 47 22 Weighted average shares outstanding for diluted earnings per share 7,130 7,635 Basic earnings per common share $ 2.58 $ 1.96 Diluted earnings per common share $ 2.56 $ 1.96 There were no anti-dilutive shares in 2021 or 2020. On January 10, 2022 the Company announced that its board of directors had declared a 5 percent common stock dividend payable on February 4, 2022, to shareholders of record as of January 21, 2022. Holders of the Company’s common shares as of the record date received one additional common share for every twenty common shares held on the record date. No fractional shares were issued, and shareholders received cash for such fractional interests based on the closing price of $19.89 of the Company’s common shares on the record date. Had the 5 percent common stock dividend been included in the Company’s 2021 financial statements, common shares outstanding would have increased by approximately 345,000 and diluted earnings per share, assuming the shares were outstanding for the entire year would have decreased by $0.11 per share. On January 25, 2022, the Company filed a Certificate of Amendment with the Ohio Secretary of State to amend Article FIRST of its Amended Articles of Incorporation to increase the authorized number of common shares, without par value, of the Company from 10,000,000 to 10,500,000.The addition of these authorized shares will not have a material impact on the Company’s consolidated financial statements.

Business Combination

Business Combination	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
BUSINESS COMBINATION	Note 3: Business Combination Effective June 5, 2020, the Company acquired Edon Bancorp and its subsidiary, The Edon State Bank Company of Edon, Ohio (the “Edon State Bank”). Edon Bancorp and Edon State Bank were headquartered in Edon, Ohio and had one retail banking office. The Edon State Bank was merged with and into State Bank, with State Bank surviving. Under the terms of the merger agreement, shareholders of Edon Bancorp received fixed consideration of $103.50 in cash for each share of Edon Bancorp common stock for total consideration of $15.5 million. The Company accounted for the transaction under the acquisition method of accounting, which means that the acquired assets and liabilities were recorded at fair value at the date of acquisition. In accordance with ASC 805, the Company expensed approximately $1.2 million of direct acquisition costs during the twelve months ended December 31, 2020. The $1.2 million in merger expense was split between data processing and professional fees expense. As a result of the acquisition, the Company recorded $4.3 million of goodwill and $0.7 million of intangible assets in the second quarter of 2020. The Company was able to increase both its deposit and loan base and acquire new households in a new market. It is expected that this transaction will result in business synergies and economies of scale. The acquisition was consistent with the Company’s strategy to expand its presence in Northwest Ohio and to increase profitability by introducing existing products and services to the acquired customer base. The intangible assets are related to core deposits, which are being amortized over 10 years on a straight-line basis. For tax purposes, goodwill is non-deductible but will be evaluated annually for impairment. The following table summarizes the fair value of the total consideration transferred as part of the acquisition as well as the fair value of identifiable assets and liabilities assumed as of the effective date of the transaction based on assumptions that are subject to change as management continues to evaluate relevant information as it becomes available. Potential adjustments, if any, will be related to assets that may have changes to valuation amounts that were not readily determinable at the acquisition date. The contractual principal of loans at the acquisition date was $16.8 million and the estimate of the contractual cash flows not expected to be collected is $0.4 million. ($ in thousands) June 5, Fair value of assets acquired Cash and cash equivalents $ 31,756 Interest bearing time deposits 11,542 Investment securities 1,362 Federal Home Loan Bank stock 117 Loans held for investment 16,395 Premises and equipment 446 Goodwill 4,299 Core deposit intangible 660 Other assets 192 Total assets acquired $ 66,769 Fair value of liabilities assumed Deposits $ 51,053 Other liabilities 223 Total liabilities assumed 51,276 Total purchase price (cash) $ 15,493 Pro Forma Financial Information The results of operations of Edon Bancorp have been included in the Company’s consolidated financial statements since the acquisition date of June 5, 2020. The following schedule includes the pro forma results for the twelve months ended December 31, 2021 and 2020, as if the Edon State Bank acquisition had occurred as of the beginning of the reporting periods presented. The acquisition’s impact was immaterial to the Company’s operating performance for the twelve months ended December 31, 2020 and 2021. Twelve Months Summary of Operations ($ in thousands) 2020 Net interest income $ 36,429 Provision for loan losses 4,500 Net interest income after provision 31,929 Non interest income 30,140 Non interest expense 44,158 Income before income taxes 17,911 Income tax expense* 3,384 Net income $ 14,527 Basic earnings per share $ - Diluted earnings per share $ 1.90 * Income tax expense for Edon State Bank calculated using a 21% statuatory rate Certain nonrecurring costs were included in the pro-forma, specifically $0.7 million was incurred by Edon State Bank prior to the acquisition in the 2020 fiscal year and the Company incurred $1.2 million in nonrecurring costs for the acquisition in the 2020 fiscal year.

Available-for-Sale Securities

Available-for-Sale Securities	12 Months Ended
	Dec. 31, 2021
Securities [Abstract]
Available-for-Sale Securities	Note 4: 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: Amortized Gross Gross Fair ($ in thousands) Cost Gains Losses Value December 31, 2021: U.S. Treasury and Government agencies $ 8,986 $ 135 $ (16 ) $ 9,105 Mortgage-backed securities 231,057 614 (3,537 ) 228,134 State and political subdivisions 12,352 536 (9 ) 12,879 Other corporate securities 13,200 2 (61 ) 13,141 Totals $ 265,595 $ 1,287 $ (3,623 ) $ 263,259 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2020: U.S. Treasury and Government agencies $ 6,541 $ 323 $ - $ 6,864 Mortgage-backed securities 125,973 1,845 (57 ) 127,761 State and political subdivisions 11,595 680 - 12,275 Other corporate securities 2,500 6 - 2,506 Totals $ 146,609 $ 2,854 $ (57 ) $ 149,406 The amortized cost and fair value of securities available-for-sale at December 31, 2021, 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 $ 606 $ 606 Due after one year through five years 2,724 2,772 Due after five years through ten years 23,156 23,406 Due after ten years 8,052 8,341 34,538 35,125 Mortgage-backed securities 231,057 228,134 Totals $ 265,595 $ 263,259 The fair value of securities pledged as collateral, to secure public deposits and for other purposes, was $54.2 million at December 31, 2021, and $53.7 million at December 31, 2020. Securities delivered for repurchase agreements (not included above) were $23.6 million at December 31, 2021 and $28.2 million at December 31, 2020. There were no realized gains or losses on available-for-sale securities in 2021 and 2020. 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, 2021 and 2020, was $214.2 million and $27.3 million, respectively, which was approximately 81 percent and 18 percent, respectively, of the Company’s available-for-sale investment portfolio. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are temporary. Should the impairment of any of these securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified. The following tables present securities with unrealized losses at December 31, 2021 and 2020: ($ in thousands) Less than 12 Months 12 Months or Longer Total December 31, 2021 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ 3,397 $ (16 ) $ - $ - $ 3,397 $ (16 ) Mortgage-backed securities 183,727 (2,856 ) 18,566 (681 ) 202,293 (3,537 ) State and political subdivisions 1,673 (9 ) - - 1,673 (9 ) Other corporate securities 6,889 (61 ) - - 6,889 (61 ) Totals $ 195,686 $ (2,942 ) $ 18,566 $ (681 ) $ 214,252 $ (3,623 ) Less than 12 Months 12 Months or Longer Total December 31, 2020 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ - $ - $ - $ - $ - $ - Mortgage-backed securities 26,582 (54 ) 717 (3 ) 27,299 (57 ) State and political subdivisions - - - - - - Other corporate securities - - - - - - Totals $ 26,582 $ (54 ) $ 717 $ (3 ) $ 27,299 $ (57 ) The unrealized loss on the securities portfolio increased by $3.6 million as of December 31, 2021, 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, 2021
Receivables [Abstract]
Loans and Allowance for Loan Losses	Note 5: Loans and Allowance for Loan Losses The following tables present the categories of loans at December 31, 2021 and 2020: Total Loans Nonaccrual Loans ($ in thousands) December December December December Commercial & industrial $ 122,250 $ 204,767 $ 143 $ 902 Commercial real estate - owner occupied 118,891 113,169 88 1,450 Commercial real estate - nonowner occupied 262,277 257,651 466 962 Agricultural 57,403 55,235 - - Residential real estate 206,424 182,165 2,484 2,704 Home equity line of credit (HELOC) 41,682 46,310 464 390 Consumer 13,474 14,847 7 18 Total loans $ 822,401 $ 874,144 $ 3,652 $ 6,426 Net deferred costs (fees) $ 313 $ (1,421 ) Total loans, net deferred costs (fees) $ 822,714 $ 872,723 Allowance for loan losses $ (13,805 ) $ (12,574 ) 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 sell 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 sale 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, 2021 and 2020. ($ in thousands) 2021 2020 Loan commitments and unused lines of credit $ 219,618 $ 215,616 Standby letters of credit 2,060 3,161 Totals $ 221,678 $ 218,777 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 & Industrial and Agricultural Commercial & industrial 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 (Owner and Nonowner Occupied) 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 non-owner-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 Real Estate, Home Equity Line of Credit (“HELOC”) 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. HELOCs 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, 2021 and 2020: ($ in thousands) Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Beginning balance $ 3,074 $ 5,451 $ 496 $ 2,534 $ 1,019 $ 12,574 Charge offs - - - (43 ) (93 ) (136 ) Recoveries 227 - - 49 41 317 Provision (1,411 ) 1,330 103 975 53 1,050 Ending balance $ 1,890 $ 6,781 $ 599 $ 3,515 $ 1,020 $ 13,805 December 31, 2021 Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Allowance: Ending balance: individually evaluated for impairment $ - $ 10 $ - $ 120 $ 3 $ 133 Ending balance: collectively evaluated for impairment $ 1,890 $ 6,771 $ 599 $ 3,395 $ 1,017 $ 13,672 Totals $ 1,890 $ 6,781 $ 599 $ 3,515 $ 1,020 $ 13,805 Loans: Ending balance: individually evaluated for impairment $ 118 $ 354 $ - $ 2,307 $ 135 $ 2,914 Ending balance: collectively evaluated for impairment $ 122,132 $ 380,814 $ 57,403 $ 204,117 $ 55,021 $ 819,487 Totals $ 122,250 $ 381,168 $ 57,403 $ 206,424 $ 55,156 $ 822,401 ($ in thousands) Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Beginning balance $ 1,883 $ 3,602 $ 434 $ 2,203 $ 633 $ 8,755 Charge offs (582 ) - - (82 ) (79 ) (743 ) Recoveries 16 - - 40 6 62 Provision (credit) 1,757 1,849 62 373 459 4,500 Ending balance $ 3,074 $ 5,451 $ 496 $ 2,534 $ 1,019 $ 12,574 December 31, 2020 Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Allowance: Ending balance: individually evaluated for impairment $ - $ 174 $ - $ 160 $ 3 $ 337 Ending balance: collectively evaluated for impairment $ 3,074 $ 5,277 $ 496 $ 2,374 $ 1,016 $ 12,237 Totals $ 3,074 $ 5,451 $ 496 $ 2,534 $ 1,019 $ 12,574 Loans: Ending balance: individually evaluated for impairment $ 849 $ 2,202 $ - $ 2,746 $ 162 $ 5,959 Ending balance: collectively evaluated for impairment $ 203,918 $ 368,618 $ 55,235 $ 179,419 $ 60,995 $ 868,185 Totals $ 204,767 $ 370,820 $ 55,235 $ 182,165 $ 61,157 $ 874,144 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 $100,000 and non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a quarterly basis. The Company uses the following definitions for risk ratings: Pass (grades 1 – 4): Special Mention (grade 5): Substandard (grade 6): Doubtful (grade 7): Loss (grade 8): The following tables present the credit risk profile of the Company’s loan portfolio based on rating category as of December 31, 2021 and 2020: ($ in thousands) Commercial & industrial Commercial real estate - owner occupied Commercial real estate - nonowner occupied Agricultural Residential real estate HELOC Consumer Total Pass (1 - 4) $ 121,285 $ 111,232 $ 253,269 $ 57,403 $ 203,295 $ 41,218 $ 13,467 $ 801,169 Special Mention (5) 659 7,571 5,694 - - - - 13,924 Substandard (6) 188 - 2,848 - 3,102 464 7 6,609 Doubtful (7) 118 88 466 - 27 - - 699 Loss (8) - - - - - - - - Total Loans $ 122,250 $ 118,891 $ 262,277 $ 57,403 $ 206,424 $ 41,682 $ 13,474 $ 822,401 December 31, 2020 Commercial & industrial Commercial real estate - owner occupied Commercial real estate - nonowner occupied Agricultural Residential real estate HELOC Consumer Total Pass (1 - 4) $ 202,543 $ 108,726 $ 250,405 $ 55,227 $ 178,575 $ 45,866 $ 14,807 $ 856,149 Special Mention (5) 1,485 2,993 3,338 - - - 14 7,830 Substandard (6) 151 - 3,026 8 3,560 444 26 7,215 Doubtful (7) 588 1,450 882 - 30 - - 2,950 Loss (8) - - - - - - - - Total Loans $ 204,767 $ 113,169 $ 257,651 $ 55,235 $ 182,165 $ 46,310 $ 14,847 $ 874,144 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, 2021 and 2020: ($ in thousands) 30-59 Days 60-89 Days Greater Than Total Past Current Total Loans Commercial & industrial $ 166 $ 25 $ 118 $ 309 $ 121,941 $ 122,250 Commercial real estate - owner occupied - - 88 88 118,803 118,891 Commercial real estate - nonowner occupied 221 233 246 700 261,577 262,277 Agricultural - - - - 57,403 57,403 Residential real estate 265 716 1,344 2,325 204,099 206,424 HELOC 53 80 248 381 41,301 41,682 Consumer 20 14 7 41 13,433 13,474 Total Loans $ 725 $ 1,068 $ 2,051 $ 3,844 $ 818,557 $ 822,401 December 31, 2020 30-59 Days 60-89 Days Greater Than Total Past Current Total Loans Commercial & industrial $ 380 $ - $ 618 $ 998 $ 203,769 $ 204,767 Commercial real estate - owner occupied - - 1,450 1,450 111,719 113,169 Commercial real estate - nonowner occupied - 141 699 840 256,811 257,651 Agricultural 8 - - 8 55,227 55,235 Residential real estate 12 1,393 1,212 2,617 179,548 182,165 HELOC 190 74 198 462 45,848 46,310 Consumer 123 42 20 185 14,662 14,847 Total Loans $ 713 $ 1,650 $ 4,197 $ 6,560 $ 867,584 $ 874,144 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 a Troubled Debt Restructure (“TDR”) 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, 2021 and 2020: ($ in thousands) Recorded Unpaid Principal Related Average Recorded Interest Income Twelve Months Ended December 31, 2021 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ 118 $ 204 $ - $ 217 $ 2 Commercial real estate - owner occupied 88 88 - 88 - Commercial real estate - nonowner occupied 223 223 - 357 28 Agricultural - - - - - Residential real estate 1,391 1,458 - 1,663 60 HELOC 33 33 41 2 Consumer - - - - - With a specific allowance recorded: Commercial & industrial - - - - - Commercial real estate - owner occupied - - - - - Commercial real estate - nonowner occupied 43 173 10 173 - Agricultural - - - - - Residential real estate 916 916 120 933 20 HELOC 102 102 3 124 5 Consumer - - - - - Totals: Commercial & industrial $ 118 $ 204 $ - $ 217 $ 2 Commercial real estate - owner occupied $ 88 $ 88 $ - $ 88 $ - Commercial real estate - nonowner occupied $ 266 $ 396 $ 10 $ 530 $ 28 Agricultural $ - $ - $ - $ - $ - Residential real estate $ 2,307 $ 2,374 $ 120 $ 2,596 $ 80 HELOC $ 135 $ 135 $ 3 $ 165 $ 7 Consumer $ - $ - $ - $ - $ - ($ in thousands) Recorded Unpaid Principal Related Average Recorded Interest Income Twelve Months Ended December 31, 2020 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ 849 $ 1,645 $ - $ 1,878 $ 50 Commercial real estate - owner occupied 1,441 1,441 - 1,573 11 Commercial real estate - nonowner occupied 182 182 - 258 14 Agricultural - - - - - Residential real estate 1,017 1,084 - 1,243 64 HELOC 89 89 98 4 Consumer 7 7 - 12 1 With a specific allowance recorded: Commercial & industrial - - - - - Commercial real estate - owner occupied - - - - - Commercial real estate - nonowner occupied 579 579 174 579 3 Agricultural - - - - - Residential real estate 1,729 1,774 160 1,785 14 HELOC 66 66 3 83 6 Consumer - - - - - Totals: Commercial & industrial $ 849 $ 1,645 $ - $ 1,878 $ 50 Commercial real estate - owner occupied $ 1,441 $ 1,441 $ - $ 1,573 $ 11 Commercial real estate - nonowner occupied $ 761 $ 761 $ 174 $ 837 $ 17 Agricultural $ - $ - $ - $ - $ - Residential real estate $ 2,746 $ 2,858 $ 160 $ 3,028 $ 78 HELOC $ 155 $ 155 $ 3 $ 181 $ 10 Consumer $ 7 $ 7 $ - $ 12 $ 1 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 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. The following table represents new TDR activity for the twelve months ended December 31, 2021: ($ in thousands) Number of Pre- Post HELOC 2 $ 42 $ 42 Total modifications 2 $ 42 $ 42 Interest Term Combination Total HELOC $ - $ - $ 42 $ 42 Total modifications $ - $ - $ 42 $ 42 There were no new TDRs during the period ended December 31, 2020. There were no TDRs modified during the past twelve months that have subsequently defaulted. On March 22, 2020, a statement was issued by the Company’s bank regulators and titled the “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus” (the “Interagency Statement”) that encouraged financial institutions to work prudently with borrowers unable to meet the contractual payment obligations due to the effects of COVID-19. Additionally, Section 4013 of the CARES Act further provided that a qualified loan modification is exempt by law from classification as a troubled debt restructure as defined by GAAP, from the period beginning March 1, 2020 until the earlier of December 31, 2021 or the date that is 60 days after the date on which the national emergency concerning the COVID-19 outbreak under the National Emergencies Act (50 U.S.C. 1601 et seq.) terminates. As of December 31, 2021, all loans previously modified under Section 4013 of the CARES Act had returned to normal payment terms. The Company was an active participant in the PPP initiative as detailed in the discussion of financial results for 2021 and 2020. The Company originated approximately 1,100 loans with a total balance of $111.4 million. As of December 31, 2021, $2.0 million in balances remained outstanding. Fees for the originations totaled $4.9 million of which $3.4 million and $1.4 million were taken into income during 2021 and 2020, respectively.

Accounting for Certain Loans Ac

Accounting for Certain Loans Acquired in an Acquisition	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Accounting for Certain Loans Acquired in an Acquisition	Note 6: Accounting for Certain Loans Acquired in an Acquisition The Company acquired loans in the acquisition of Edon State Bank, effective June 5, 2020. None of the acquired loans had evidence of deterioration of credit quality since origination, and it was probable, at acquisition, that all contractually required payments would be collected. The following table presents the carrying amount of the acquired loans included in the balance sheet at December 31: ($ in thousands) 2021 2020 Commercial & industrial $ 1,067 $ 1,499 Commercial real estate - nonowner occupied 97 505 Agricultural 6,655 9,180 Residential real estate 2,408 3,176 Consumer 33 93 Total loans $ 10,260 $ 14,453 Accretable yield, or income expected to be collected as of December 31, 2021 is $0.2 million.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant 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) 2021 2020 Land $ 3,549 $ 3,996 Buildings and improvements 27,475 26,743 Equipment 13,398 11,506 Construction in process 655 997 45,077 43,242 Less accumulated depreciation (21,865 ) (19,685 ) Net premises and equipment $ 23,212 $ 23,557

Goodwill and Intangibles

Goodwill and Intangibles	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangibles	Note 8: Goodwill and Intangibles On December 31, 2021, the Company purchased an Ohio based title agency resulting in approximately $1.1 million in goodwill. On June 5, 2020, the Company acquired Edon Bancorp and its subsidiary, Edon State Bank. The acquisition resulted in approximately $4.3 million in goodwill. The balance of goodwill as of December 31, 2021 and December 31, 2020 was $23.2 million and $22.1 million, respectively. ($ in thousands) Twelve Months Ended Twelve Months Ended Beginning balance $ 22,091 $ 17,792 Acquired goodwill 1,100 4,325 Measurement period adjustments - (26 ) Ending balance $ 23,191 $ 22,091 Impairment exists when a reporting unit’s carrying value of goodwill exceeds its fair value. Goodwill is tested on the last day of the last quarter of each calendar year. At December 31, 2021, 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: 2021 2020 Gross Carrying Accumulated Gross Carrying Accumulated ($ in thousands) Amount Amortization Amount Amortization Core deposits intangible $ 660 $ (104 ) $ 5,359 $ (4,735 ) Customer relationship intangible 200 (173 ) 200 (170 ) Banking intangibles $ 860 $ (277 ) $ 5,559 $ (4,905 ) Amortization expense for intangibles for the years ended December 31, 2021 and 2020 was $0.07 million and $0.05 million, respectively. Estimated amortization expense for each of the following five years is immaterial.

Mortgage Banking and Servicing

Mortgage Banking and Servicing Rights	12 Months Ended
	Dec. 31, 2021
Mortgage Servicing Rights [Abstract]
Mortgage Banking and Servicing Rights	Note 9: Mortgage Banking and Servicing Rights Mortgage loans serviced for others are not included in the accompanying balance sheets. The unpaid principal balance of mortgage loans serviced for others approximated $1.4 billion and $1.3 billion at December 31, 2021 and 2020, respectively. Contractually specified servicing fees of approximately $3.1 million and $3.2 million were included in mortgage loan servicing fees in the income statement for the years ended December 31, 2021 and 2020, respectively. The following table summarizes mortgage servicing rights capitalized and related amortization, along with activity in the related valuation allowance at December 31: ($ in thousands) 2021 2020 Carrying amount, beginning of year $ 7,759 $ 11,017 Mortgage servicing rights capitalized during the year 4,724 5,090 Mortgage servicing rights amortization during the year (3,885 ) (4,762 ) Net change in valuation allowance 3,436 (3,586 ) Carrying amount, end of year $ 12,034 $ 7,759 Valuation allowance: Beginning of year $ 4,892 $ 1,306 Increase (reduction) (3,436 ) 3,586 End of year $ 1,456 $ 4,892 Fair value, beginning of period $ 7,759 $ 11,864 Fair value, end of period $ 12,629 $ 7,759

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Note 10: 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. Additionally, the Company enters into forward contracts for the future delivery of mortgage loans to third-party investors and enters into IRLCs with potential borrowers to fund specific mortgage loans that will be sold into the secondary market. The forward contracts that are entered into, economically hedge the effect of changes in interest rates resulting from the Company’s commitment to fund the loans. The IRLCs and forward contracts are not designated as accounting hedges and are recorded at fair value with changes in fair value reflected in noninterest income on the consolidated statements of income. The fair value of derivative instruments with a positive fair value are reported in accrued income and other assets in the consolidated balance sheets, while derivative instruments with a negative fair value are reported in accrued expenses and other liabilities in the consolidated balance sheets. The table below presents the notional amount and fair value of the Company’s interest rate swaps, IRLCs and forward contracts utilized at December 31: 2021 2020 Notional Fair Notional Fair ($ in thousands) Amount Value Amount Value Asset Derivatives Derivatives not designated as hedging instruments Interest rate swaps associated with loans $ 84,733 $ 3,655 $ 87,687 $ 7,962 IRLCs 21,391 22 46,130 278 Total contracts $ 106,124 $ 3,677 $ 133,817 $ 8,240 Liability Derivatives Derivatives not designated as hedging instruments Interest rate swaps associated with loans $ 84,733 $ (3,655 ) $ 87,687 $ (7,962 ) Forward contracts 25,000 (32 ) 50,000 (265 ) Total contracts $ 109,733 $ (3,687 ) $ 137,687 $ (8,227 ) The fair value of interest rate swaps were estimated using a discounted cash flow method that incorporates current market interest rates as of the balance sheet date. Fair values of IRLCs and forward contracts were estimated using changes in mortgage interest rates from the date the Company entered into the IRLC and the balance sheet date. The following table presents the amounts included in the consolidated statements of income for non-hedging derivative financial instruments for the twelve months ended December 31, 2021 and 2020. Amount of gain (loss) ($ in thousands) Statement of income classification 2021 2020 Interest rate swap contracts Other income $ 242 $ 355 IRLCs Gain on sale of mortgage loans & OMSR (256 ) 223 Forward contracts Gain on sale of mortgage loans & OMSR 233 (233 ) The following table shows the offsetting of financial assets and derivative assets at December 31, 2021 and 2020. Gross amounts Gross Net Gross amounts not offset in the consolidated balance sheet ($ in thousands) of recognized consolidated consolidated Financial Cash Net December 31, 2021 Interest rate swaps $ 3,746 $ 91 $ 3,655 $ - $ - $ 3,655 December 31, 2020 Interest rate swaps $ 7,962 $ - $ 7,962 $ - $ - $ 7,962 The following table shows the offsetting of financial liabilities and derivative liabilities at December 31, 2021 and 2020. Gross amounts Gross Net Gross amounts not offset in the consolidated balance sheet ($ in thousands) of recognized consolidated consolidated Financial Cash Net December 31, 2021 Interest rate swaps $ 3,746 $ 91 $ 3,655 $ - $ 6,906 $ (3,251 ) December 31, 2020 Interest rate swaps $ 7,962 $ - $ 7,962 $ - $ 8,896 $ (934 )

Interest-Bearing Deposits

Interest-Bearing Deposits	12 Months Ended
	Dec. 31, 2021
Disclosure Text Block [Abstract]
Interest-Bearing Deposits	Note 11: Interest-Bearing Deposits Interest-bearing time deposits in denominations of $250,000 or more totaled $13.8 million on December 31, 2021 and $27.8 million on December 31, 2020. There were no certificates of deposit from brokers as of December 31, 2021. Certificates of deposit obtained from brokers totaling $5.0 million as of December 31, 2020 subsequently matured in 2021. At December 31, 2021, the scheduled maturities of time deposits were as follows: ($ in thousands) 2022 $ 104,583 2023 38,438 2024 7,792 2025 2,680 2026 2,829 Thereafter 182 Total $ 156,504 Included in time deposits at December 31, 2021 and 2020 were $55.6 million and $73.1 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, 2021
Debt Disclosure [Abstract]
Short-Term Borrowings	Note 12: Short-Term Borrowings ($ in thousands) 2021 2020 Securities Sold Under Repurchase Agreements $ 15,320 $ 20,189 The Company has retail repurchase agreements to facilitate cash management transactions with commercial customers. These obligations were secured by agency securities of $8.4 million and $10.7 million for 2021 and 2020, respectively, and mortgage-backed securities of $15.2 million and $17.5 million for 2021 and 2020, respectively. The collateral is held at the FHLB and has maturities from 2022 through 2051. At December 31, 2021, these repurchase agreements totaled $15.3 million. The maximum amount of outstanding agreements at any month end during 2021 and 2020 totaled $34.2 million and $25.6 million, respectively, and the monthly average of such agreements totaled $22.8 million and $20.8 million during 2021 and 2020, respectively. The repurchase agreements mature within one month. The Company has borrowing capabilities at the Federal Reserve Discount Window (“Discount Window”) by pledging either securities or loans as collateral. As of December 31, 2021, there was no collateral pledged or borrowings drawn at the Discount Window. At December 31, 2021 and December 31, 2020, the Company had $41.0 million in federal funds lines, of which none were drawn.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances	12 Months Ended
	Dec. 31, 2021
Disclosure Text Block [Abstract]
Federal Home Loan Bank Advances	Note 13: Federal Home Loan Bank Advances The FHLB advances were secured by $153.7 million in mortgage loans at December 31, 2021. Advances, at interest rates from 2.88 to 2.93 percent, are subject to restrictions or penalties in the event of prepayment. Aggregate annual maturities of FHLB advances at December 31, 2021, were: ($ in thousands) Debt 2022 3,000 2023 2,500 Total $ 5,500

Trust Preferred Securities

Trust Preferred Securities	12 Months Ended
	Dec. 31, 2021
Trust Preferred Securities [Abstract]
Trust Preferred Securities	Note 14: 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. The issuers of these securities have not yet determined the replacement rate index for LIBOR. These securities may be included in Tier 1 capital and may be prepaid at any time without penalty (with certain limitations applicable) under current regulatory guidelines and interpretations. The balance of the Capital Securities as of December 31, 2021 and 2020 was $10.3 million, with a maturity date of September 15, 2035.

Subordinated Debt

Subordinated Debt	12 Months Ended
	Dec. 31, 2021
Subordinated Debt [Abstract]
Subordinated Debt	Note 15: Subordinated Debt On May 27, 2021, the Company entered into Subordinated Note Purchase Agreements (collectively, the “Purchase Agreements’’) with qualified institutional buyers and accredited investors (collectively, the “Purchasers”) pursuant to which the Company issued and sold $20.0 million in aggregate principal amount of its 3.65% Fixed to Floating Rate Subordinated Notes due 2031 (the “Notes”). The Notes were sold by the Company in a private placement exempt from the registration requirements under the Securities Act of 1933, as amended. The Notes mature on June 1, 2031 and bear interest at a fixed rate of 3.65% through May 31, 2026. From June 1, 2026 to the maturity date or earlier redemption of the Notes, the interest rate will reset quarterly to an interest rate per annum, equal to the then-current-three-month Secured Overnight Financing Rate (“SOFR”) provided by the Federal Reserve Bank of New York plus 296 basis points. The Company may redeem the Notes at any time after May 31, 2026, and at any time in whole, but not in part, upon the occurrence of certain events. Any redemption of the Notes will be subject to prior regulatory approval. The Company incurred debt issuance costs for placement fees, legal and other out-of-pocket expenses of approximately $0.5 million, which are being amortized over the life of the Notes.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	Note 16: Income Taxes The provision for income taxes includes these components: For The Year Ended ($ in thousands) 2021 2020 Taxes currently payable $ 2,144 $ 5,939 Deferred provision 2,302 (2,444 ) Income tax expense $ 4,446 $ 3,495 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) 2021 2020 Computed at the statutory rate (21%) $ 4,772 $ 3,872 Increase (decrease) resulting from Tax exempt interest (85 ) (91 ) BOLI income (60 ) (65 ) Stock compensation - (39 ) Other (181 ) (182 ) Actual tax expense $ 4,446 $ 3,495 The tax effects of temporary differences related to deferred taxes shown on the balance sheets are: For The Year Ended ($ in thousands) 2021 2020 Deferred tax assets Allowance for loan losses $ 2,899 $ 2,641 Net deferred loan fees - 298 Unrealized losses on available-for-sale securities 491 - Section 475 MTM - 645 Accrued bonus 281 375 Other 703 714 4,374 4,673 Deferred tax liabilities Depreciation (1,242 ) (1,168 ) Mortgage servicing rights (2,546 ) (1,668 ) Unrealized gains on available-for-sale securities - (587 ) Purchase accounting adjustments (1,619 ) (1,628 ) Prepaids (477 ) (465 ) Net deferred loan costs (66 ) - Section 475 MTM (491 ) - FHLB stock dividends (288 ) (288 ) (6,729 ) (5,804 ) Net deferred tax liability $ (2,355 ) $ (1,131 )

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income(Loss)	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Accumulated Other Comprehensive Income(Loss)	Note 17: Accumulated Other Comprehensive Income(Loss) Accumulated other comprehensive income (Loss) represents reclassifications out of unrealized gains and losses on available-for-sale securities net of income tax. There were no reclassifications for the years ending December 31, 2021 and 2020.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Regulatory Matters	Note 18: Regulatory Matters As of December 31, 2021, 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, 2021 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: ($ in thousands) Actual For Capital Adequacy To Be Well Capitalized As of December 31, 2021 Amount Ratio Amount Ratio Amount Ratio Tier I Capital to average assets $ 133,202 10.18 % $ 52,324 4.0 % $ 65,405 5.0 % Tier I Common equity capital to risk-weighted assets 133,202 13.94 % 42,986 4.5 % 62,090 6.5 % Tier I Capital to risk-weighted assets 133,202 13.94 % 57,314 6.0 % 76,419 8.0 % Total Risk-based capital to risk-weighted assets 145,165 15.20 % 76,419 8.0 % 95,523 10.0 % As of December 31, 2020 Tier I Capital to average assets $ 119,480 9.94 % $ 48,099 4.0 % $ 60,123 5.0 % Tier I Common equity capital to risk-weighted assets 119,480 12.91 % 41,651 4.5 % 60,162 6.5 % Tier I Capital to risk-weighted assets 119,480 12.91 % 55,534 6.0 % 74,046 8.0 % Total Risk-based capital to risk-weighted assets 131,062 14.16 % 74,046 8.0 % 92,557 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 was 2.50 percent at December 31, 2021 and the Company still would have met the minimum capital requirements when the capital buffer is considered. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes as of December 31, 2021, State Bank met all capital adequacy requirements to which they are subject.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2021
Disclosure Text Block Supplement [Abstract]
Employee Benefits	Note 19: Employee Benefits The Company has a share-based incentive compensation plan that permits the grant of stock options, restricted stock and other share-based awards to employees, directors and advisory board members of the Company and its subsidiaries. In addition, the Company has instituted a long-term incentive program, with the objective of rewarding senior management with restricted shares of the Company (see Note 20 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 2021 and 2020 were $0.7 million and $0.7 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 million and $0.3 million for 2021 and 2020, 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 $17.9 million and $17.5 million at December 31, 2021 and 2020, 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, 2021 and 2020, were 380,450 and 412,402, 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, 2021 and 2020 was $0.5 million and $0.2 million, respectively.

Share-Based Compensation Plan

Share-Based Compensation Plan	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Share-Based Compensation Plan	Note 20: 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 2017 Plan is 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 2017 Plan 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 five years of continuous service and have 10-year contractual terms. The fair value of each option award is estimated on the date of grant using the Black-Scholes valuation model. There were no options granted in 2021 or 2020. There were no stock options outstanding, and no compensation expense charged against income with respect to option awards under the Plan as of December 31, 2021 or 2020. As of December 31, 2021, there was no unrecognized compensation cost related to incentive option share-based compensation arrangements granted under the 2017 Plan. During 2020, 26,950 option shares exercised had a total intrinsic value of $0.3 million and the cash received from these exercised options was $0.2 million. The tax benefit from these transactions was immaterial. Pursuant to the Long Term Incentive (“LTI”) Plan, the Company awards restricted stock in the Company to certain key executives under the 2017 Plan. These restricted stock awards vest over a four-year period and are intended to assist the Company in retention of key executives. During 2021 and 2020, 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 $0.4 million and $0.4 million for 2021 and 2020, respectively. The total income tax benefit recognized in the income statement for share-based compensation arrangements was $0.1 million and $0.1 million for 2021 and 2020, respectively. A summary of restricted stock activity under the Company’s LTI Plan as of December 31, 2021 and changes during the year ended is presented below: Shares Weighted- Nonvested, beginning of year 34,778 $ 18.52 Granted 35,854 18.29 Vested (23,179 ) 18.39 Forfeited (6,531 ) 18.33 Nonvested, end of year 40,922 $ 18.43 As of December 31, 2021, 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 2017 Plan which were granted in accordance with the LTI Plan. That cost is expected to be recognized over a weighted-average period of 1.83 years.

Disclosures About Fair Value of

Disclosures About Fair Value of Assets and Liabilities	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Disclosures About Fair Value of Assets and Liabilities	Note 21: 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 2 securities include U.S. government agencies, mortgage-backed securities, obligations of political and state subdivisions, and corporate securities. 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. Forward contracts The fair values of forward contracts on to-be-announced securities are determined using quoted prices in active markets, or benchmarked thereto (Level 1). Interest Rate Lock Commitments The fair value of IRLCs are determined using the projected sale price of individual loans based on changes in the market interest rates, projected pull-through rates (the probability that an IRLC will ultimately result in an originated loan), the reduction in the value of the applicant’s option due to the passage of time, and the remaining origination costs to be incurred based on management’s estimate of market costs (Level 3). 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, 2021 and 2020: ($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 9,105 $ - $ 9,105 $ - Mortgage-backed securities 228,134 - 228,134 - State and political subdivisions 12,879 - 12,879 - Other corporate securities 13,141 - 13,141 - Interest rate contracts - assets 3,655 - 3,655 - Interest rate contracts - liabilities (3,655 ) - (3,655 ) - Forward contracts (32 ) (32 ) - - IRLCs 22 - - 22 ($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 6,864 $ - $ 6,864 $ - Mortgage-backed securities 127,761 - 127,761 - State and political subdivisions 12,275 - 12,275 - Other corporate securities 2,506 - 2,506 - Interest rate contracts - assets 7,962 - 7,962 - Interest rate contracts - liabilities (7,962 ) - (7,962 ) - Forward contracts (265 ) (265 ) - - IRLCs 278 - - 278 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, 2021 and 2020. 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, 2021 and 2020: ($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) Impaired loans $ 464 $ - $ - $ 464 Mortgage servicing rights 3,301 - - 3,301 ($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) Impaired loans $ 3,544 $ - $ - $ 3,544 Mortgage servicing rights 7,759 - - 7,759 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, 2021 and 2020: ($ in thousands) Fair value at December 31, 2021 Valuation technique Unobservable inputs Range (weighted- average) Collateral-dependent impaired loans $ 464 Market comparable Comparability adjustments (%) 6.4 - 18% (13%) properties Mortgage servicing rights 3,301 Discounted cash flow Discount Rate 8.65% Constant prepayment rate 10.94% P&I earnings credit 0.10% T&I earnings credit 1.25% Inflation for cost of servicing 1.50% IRLCs 22 Discounted cash flow Loan closing rates 49% - 99% ($ in thousands) Fair value at December 31, 2020 Valuation technique Unobservable inputs Range (weighted- average) Collateral-dependent impaired loans $ 3,544 Market comparable Comparability adjustments (%) 0 - 43% (22%) properties Mortgage servicing rights 7,759 Discounted cash flow Discount Rate 8.28% Constant prepayment rate 20.87% P&I earnings credit 0.14% T&I earnings credit 0.24% Inflation for cost of servicing 1.50% IRLCs 278 Discounted cash flow Loan closing rates 49% - 100% 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. The servicing rights have had a decrease in prepayments and the 9.93 percent decrease in the constant prepayment rate reflects the change in market rates. In addition, the earnings credit rate decreased and the discount rate increased. 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, Interest Bearing Time Deposits, 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 of loans follows the guidance in ASU 2016-01, which prescribes an “exit price” approach in estimating and disclosing fair value of financial instruments. The fair value calculation at that date discounted estimated future cash flows using rates that incorporated discounts for credit, liquidity, and marketability factors. 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, 2021 and 2020. 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, 2021 and 2020 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. Subordinated Debt The fair value for Subordinated Debt 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, 2021 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 149,511 $ 149,511 $ 149,511 $ - $ - Interest bearing time deposits 2,643 2,643 - 2,643 - Loans held for sale 7,472 7,561 - 7,561 - Loans, net of allowance for loan losses 808,909 813,766 - - 813,766 Federal Reserve and FHLB Bank stock, at cost 5,303 5,303 - 5,303 - Interest receivable 2,920 2,920 - 2,920 - Financial liabilities Deposits $ 1,113,045 $ 1,112,710 $ 956,541 $ 156,169 $ - Short-term borrowings 15,320 15,320 - 15,320 - FHLB advances 5,500 5,596 - 5,596 - Trust preferred securities 10,310 9,067 - 9,067 - Subordinated debt, net of issuance costs 19,546 20,581 - 20,581 - Interest payable 299 299 - 299 - ($ in thousands) Carrying Fair Fair value measurements using December 31, 2020 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 140,690 $ 140,690 $ 140,690 $ - $ - Interest bearing time deposits 5,823 5,823 - 5,823 - Loans held for sale 7,234 7,508 - 7,508 - Loans, net of allowance for loan losses 860,149 853,294 - - 853,294 Federal Reserve and FHLB Bank stock, at cost 5,303 5,303 - 5,303 - Interest receivable 3,799 3,799 - 3,799 - Financial liabilities Deposits $ 1,049,011 $ 1,050,558 $ 819,462 $ 231,096 $ - Short-term borrowings 20,189 20,189 - 20,189 - FHLB advances 8,000 8,257 - 8,257 - Trust preferred securities 10,310 8,394 - 8,394 - Interest payable 616 616 - 616 -

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Information	Note 22: Parent Company Financial Information Presented below is condensed financial information of the parent company only: Condensed Balance Sheets ($ in thousands) 2021 2020 Assets Cash & cash equivalents $ 14,406 $ 2,178 Investment in banking subsidiaries 152,761 143,244 Investment in nonbanking subsidiaries 6,770 5,617 Other assets 2,259 3,229 Total assets $ 176,196 $ 154,268 Liabilities Trust preferred securities $ 10,000 $ 10,000 Sub debt net of issuance cost 19,546 - Borrowings from nonbanking subsidiaries 310 310 Other liabilities & accrued interest payable 1,411 1,035 Total liabilities 31,267 11,345 Stockholders’ equity 144,929 142,923 Total liabilities and stockholders’ equity $ 176,196 $ 154,268 Condensed Statements of Income ($ in thousands) 2021 2020 Dividends from subsidiaries: Banking subsidiaries $ 5,000 $ 24,025 Nonbanking subsidiaries 500 - Total income 5,500 24,025 Expenses Interest expense 661 256 Other expense 1,478 2,950 Total expenses 2,139 3,206 Income before income tax 3,361 20,819 Income tax benefit (450 ) (712 ) Income before equity in undistributed income of subsidiaries 3,811 21,531 Equity in undistributed income of subsidiaries Banking subsidiaries 13,573 (8,071 ) Nonbanking subsidiaries 893 1,484 Total 14,466 (6,587 ) Net income $ 18,277 $ 14,944 Condensed Statements of Comprehensive Income ($ in thousands) 2021 2020 Net income $ 18,277 $ 14,944 Other comprehensive income: Available-for-sale investment securities: Gross unrealized holding gain (loss) arising in the period (5,133 ) 1,963 Related tax (expense) benefit 1,078 (412 ) Net effect on other comprehensive income (4,055 ) 1,551 Total comprehensive income $ 14,222 $ 16,495 Condensed Statements of Cash Flows ($ in thousands) 2021 2020 Operating activities Net income $ 18,277 $ 14,944 Items not requiring (providing) cash Equity in undistributed net income of subsidiaries (14,466 ) 6,587 Stock compensation expense 443 382 Other assets 1,811 (2,287 ) Other liabilities 376 663 Net cash provided by operating activities 6,441 20,289 Investing activities Capital contributed to banking subsidiary - (15,520 ) Capital contributed to nonbanking subsidiary (1,100 ) - Net cash used in investing activities (1,100 ) (15,520 ) Financing activities Dividends on common shares (3,139 ) (3,070 ) Proceeds from share-based compensation plans - 188 Repurchase of common shares (9,520 ) (7,166 ) Proceeds from sub-debt net of issuance cost 19,546 - Net cash provided by (used in) financing activities 6,887 (10,048 ) Net change in cash and cash equivalents 12,228 (5,279 ) Cash and cash equivalents at beginning of year 2,178 7,457 Cash and cash equivalents at end of year $ 14,406 $ 2,178

Quarterly Financial Information

Quarterly Financial Information (unaudited)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information (unaudited)	Note 23: Quarterly Financial Information (unaudited) ($ in thousands, except per share data) 2021 December September June March Interest income $ 10,003 $ 11,033 $ 10,163 $ 10,705 Interest expense 925 1,009 1,006 1,080 Net interest income 9,078 10,024 9,157 9,625 Provision for loan losses - 300 - 750 Noninterest income 6,589 6,649 6,537 10,922 Noninterest expense 11,567 11,256 11,076 10,909 Income tax expense 768 1,014 857 1,807 Net income $ 3,332 $ 4,103 $ 3,761 $ 7,081 Basic earnings per common share $ 0.49 $ 0.59 $ 0.53 $ 0.97 Diluted earnings per common share $ 0.49 $ 0.58 $ 0.52 $ 0.97 Dividends per share $ 0.115 $ 0.110 $ 0.110 $ 0.105 2020 December September June March Interest income $ 10,589 $ 10,807 $ 10,595 $ 10,644 Interest expense 1,338 1,548 1,723 2,096 Net interest income 9,251 9,259 8,872 8,548 Provision for loan losses 800 1,800 1,300 600 Noninterest income 8,902 10,418 8,615 2,161 Noninterest expense 10,684 11,335 11,662 9,406 Income tax expense 1,311 1,292 870 22 Net income $ 5,358 $ 5,250 $ 3,655 $ 681 Basic earnings per common share $ 0.71 $ 0.69 $ 0.47 $ 0.09 Diluted earnings per common share $ 0.71 $ 0.69 $ 0.47 $ 0.09 Dividends per share $ 0.105 $ 0.100 $ 0.100 $ 0.095

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	12 Months Ended
	Dec. 31, 2021
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”), SBFG Title, LLC dba Peak Title Agency (“SBFG Title”), SB Captive, Inc. (“SB Captive”), 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, SBFG Title, SB Captive, RFCBC, RDSI, RMC, RST II, 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, 2021 and 2020, cash equivalents consisted primarily of interest-bearing and noninterest bearing demand deposit balances held by correspondent banks. At December 31, 2021, the Company’s correspondent cash accounts exceeded federally insured limits by $7.9 million. Additionally, the Company had approximately $129.1 million of cash held by the FRB and the FHLB, which is not federally insured.
Securities	Securities Available-for-sale securities, which include any debt 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. The Company utilizes third-party hedges to minimize the impact of interest rate risk fluctuations, and their impact is realized through 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 and Other Assets Held for Sale	Foreclosed Assets and Other 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. The Company has a vacant lot in our Columbus region that was acquired for the construction of our Columbus office location in 2014. Due to an agreement in principle to sell the vacant lot, the Company has reclassified the asset into held for sale.
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 The Company utilizes derivative financial instruments to help manage exposure to interest rate risk and the effects that changes in interest rates may have on net income and the fair value of assets and liabilities. The Company enters into interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. Additionally, the Company enters into forward contracts for the future delivery of mortgage loans to third-party investors and enters into interest rate lock commitments (“IRLCs”) with potential borrowers to fund specific mortgage loans that will be sold into the secondary market. The forward contracts are entered into in order to economically hedge the effect of changes in interest rates resulting from the Company’s commitment to fund the loans. The IRLCs and forward contracts are not designated as accounting hedges and are recorded at fair value with the changes in fair value reflected in noninterest income on the consolidated statements of income. The fair value of derivative instruments with a positive fair value are reported in accrued income and other assets in the consolidated balance sheets, while the derivative instruments with a negative fair value are reported in accrued expenses and other liabilities in the consolidated balance sheets. 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, 2021 and 2020, the Company had a share-based employee compensation plan (see Note 20 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 2018. As of December 31, 2021, the Company had no uncertain income tax positions.
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 that may be issued by the Company related solely to outstanding stock options or awards which are determined using the treasury stock 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. AOCI consists solely of the cumulative unrealized gains and losses on available-for-sale securities net of income tax.
Subordinated Debt	Subordinated Debt At December 31, 2021, the Company had subordinated debt obligations of $20.0 million related to its 3.65% Fixed to Floating Rate Subordinated Notes due 2031, which were issued and sold by the Company on May 27, 2021. The Subordinated Notes were issued in order to assist the Company in meeting various corporate obligations, including share buybacks, acquisition costs and organic asset growth (see Note 15 to the Consolidated Financial Statements).
Revenue Recognition	Revenue Recognition The Company recognizes revenues as they are earned based on contractual terms, as transactions occur, or services are provided and collectability is reasonably assured. The Company’s principal source of revenue is interest income from loans and leases and investment securities. The Company also earns noninterest income from various banking and financial services offered through State Bank. Interest income is the largest source of revenue for the Company which is primarily recognized on an accrual basis. Noninterest income is earned through a variety of financial and transaction services provided to corporate and consumer clients such as trust and wealth advisory, deposit account, debit card, mortgage banking and insurance.
New and applicable accounting pronouncements	New and applicable accounting pronouncements: ASU No. 2020-01: Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions between Topic 321, Topic 323 and Topic 815 This guidance was issued in January 2020 to clarify that a company should consider observable transactions that require a company to either apply or discontinue the equity method of accounting under Topic 323, Investments-Equity Method and Joint Ventures, for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments also clarify that when determining the accounting for certain forward contracts and purchased options a company should not consider, whether upon settlement or exercise, if the underlying securities would be accounted for under the equity method or fair value option. The guidance is effective beginning after December 15, 2020. The impact of this new guidance did not have a material impact on the Company’s consolidated financial statements. Accounting standards not yet adopted: ASU No. 2020-04: Reference Rate Reform – Facilitation of the Effects of Reference Rate Reform on Financial Reporting (Topic 848) This guidance provides temporary options to ease the potential burden in accounting for reference rate reform. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective as of March 12, 2020 through December 31, 2022. The Company anticipates being fully prepared to implement a replacement for the reference rate and has determined that any change will not have a material impact to the consolidated financial statements. ASU No. 2016-13: Financial Instruments – Credit Losses (Topic 326) This ASU, which is commonly known as CECL, 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 adoption of ASU 2016-13 has the potential 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. The Company will continue to estimate the impact of adopting ASU 2016-13 throughout 2022. We expect the final adoption of the standard will not have a material impact on the Company’s consolidated financial statements. We expect to be fully prepared for implementation by January 1, 2023.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Schedule of earnings per share	Twelve Months Ended ($ and outstanding shares in thousands - except per share data) 2021 2020 Distributed earnings allocated to common shares $ 3,139 $ 3,070 Undistributed earnings allocated to common shares 15,117 11,858 Net earnings allocated to common shares 18,256 14,928 Net earnings allocated to participating securities 21 16 Net Income allocated to common shares and participating securities $ 18,277 $ 14,944 Weighted average shares outstanding for basic earnings per share 7,083 7,613 Dilutive effect of stock compensation 47 22 Weighted average shares outstanding for diluted earnings per share 7,130 7,635 Basic earnings per common share $ 2.58 $ 1.96 Diluted earnings per common share $ 2.56 $ 1.96

Business Combination (Tables)

Business Combination (Tables)	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
Schedule of fair value of identifiable assets and liabilities	($ in thousands) June 5, Fair value of assets acquired Cash and cash equivalents $ 31,756 Interest bearing time deposits 11,542 Investment securities 1,362 Federal Home Loan Bank stock 117 Loans held for investment 16,395 Premises and equipment 446 Goodwill 4,299 Core deposit intangible 660 Other assets 192 Total assets acquired $ 66,769 Fair value of liabilities assumed Deposits $ 51,053 Other liabilities 223 Total liabilities assumed 51,276 Total purchase price (cash) $ 15,493
Schedule of pro forma financial information	Twelve Months Summary of Operations ($ in thousands) 2020 Net interest income $ 36,429 Provision for loan losses 4,500 Net interest income after provision 31,929 Non interest income 30,140 Non interest expense 44,158 Income before income taxes 17,911 Income tax expense* 3,384 Net income $ 14,527 Basic earnings per share $ - Diluted earnings per share $ 1.90

Available-for-Sale Securities (

Available-for-Sale Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Securities [Abstract]
Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities	Amortized Gross Gross Fair ($ in thousands) Cost Gains Losses Value December 31, 2021: U.S. Treasury and Government agencies $ 8,986 $ 135 $ (16 ) $ 9,105 Mortgage-backed securities 231,057 614 (3,537 ) 228,134 State and political subdivisions 12,352 536 (9 ) 12,879 Other corporate securities 13,200 2 (61 ) 13,141 Totals $ 265,595 $ 1,287 $ (3,623 ) $ 263,259 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2020: U.S. Treasury and Government agencies $ 6,541 $ 323 $ - $ 6,864 Mortgage-backed securities 125,973 1,845 (57 ) 127,761 State and political subdivisions 11,595 680 - 12,275 Other corporate securities 2,500 6 - 2,506 Totals $ 146,609 $ 2,854 $ (57 ) $ 149,406
Schedule of amortized cost and fair value of securities available-for-sale by contractual maturity	Amortized Fair ($ in thousands) Cost Value Within one year $ 606 $ 606 Due after one year through five years 2,724 2,772 Due after five years through ten years 23,156 23,406 Due after ten years 8,052 8,341 34,538 35,125 Mortgage-backed securities 231,057 228,134 Totals $ 265,595 $ 263,259
Schedule of securities with unrealized losses	($ in thousands) Less than 12 Months 12 Months or Longer Total December 31, 2021 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ 3,397 $ (16 ) $ - $ - $ 3,397 $ (16 ) Mortgage-backed securities 183,727 (2,856 ) 18,566 (681 ) 202,293 (3,537 ) State and political subdivisions 1,673 (9 ) - - 1,673 (9 ) Other corporate securities 6,889 (61 ) - - 6,889 (61 ) Totals $ 195,686 $ (2,942 ) $ 18,566 $ (681 ) $ 214,252 $ (3,623 ) Less than 12 Months 12 Months or Longer Total December 31, 2020 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury and Government agencies $ - $ - $ - $ - $ - $ - Mortgage-backed securities 26,582 (54 ) 717 (3 ) 27,299 (57 ) State and political subdivisions - - - - - - Other corporate securities - - - - - - Totals $ 26,582 $ (54 ) $ 717 $ (3 ) $ 27,299 $ (57 )

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule of categories of loans	Total Loans Nonaccrual Loans ($ in thousands) December December December December Commercial & industrial $ 122,250 $ 204,767 $ 143 $ 902 Commercial real estate - owner occupied 118,891 113,169 88 1,450 Commercial real estate - nonowner occupied 262,277 257,651 466 962 Agricultural 57,403 55,235 - - Residential real estate 206,424 182,165 2,484 2,704 Home equity line of credit (HELOC) 41,682 46,310 464 390 Consumer 13,474 14,847 7 18 Total loans $ 822,401 $ 874,144 $ 3,652 $ 6,426 Net deferred costs (fees) $ 313 $ (1,421 ) Total loans, net deferred costs (fees) $ 822,714 $ 872,723 Allowance for loan losses $ (13,805 ) $ (12,574 )
Schedule of loan commitments, unused lines of credit and standby letters of credit	($ in thousands) 2021 2020 Loan commitments and unused lines of credit $ 219,618 $ 215,616 Standby letters of credit 2,060 3,161 Totals $ 221,678 $ 218,777
Schedule of allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method	($ in thousands) Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Beginning balance $ 3,074 $ 5,451 $ 496 $ 2,534 $ 1,019 $ 12,574 Charge offs - - - (43 ) (93 ) (136 ) Recoveries 227 - - 49 41 317 Provision (1,411 ) 1,330 103 975 53 1,050 Ending balance $ 1,890 $ 6,781 $ 599 $ 3,515 $ 1,020 $ 13,805 December 31, 2021 Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Allowance: Ending balance: individually evaluated for impairment $ - $ 10 $ - $ 120 $ 3 $ 133 Ending balance: collectively evaluated for impairment $ 1,890 $ 6,771 $ 599 $ 3,395 $ 1,017 $ 13,672 Totals $ 1,890 $ 6,781 $ 599 $ 3,515 $ 1,020 $ 13,805 Loans: Ending balance: individually evaluated for impairment $ 118 $ 354 $ - $ 2,307 $ 135 $ 2,914 Ending balance: collectively evaluated for impairment $ 122,132 $ 380,814 $ 57,403 $ 204,117 $ 55,021 $ 819,487 Totals $ 122,250 $ 381,168 $ 57,403 $ 206,424 $ 55,156 $ 822,401 ($ in thousands) Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Beginning balance $ 1,883 $ 3,602 $ 434 $ 2,203 $ 633 $ 8,755 Charge offs (582 ) - - (82 ) (79 ) (743 ) Recoveries 16 - - 40 6 62 Provision (credit) 1,757 1,849 62 373 459 4,500 Ending balance $ 3,074 $ 5,451 $ 496 $ 2,534 $ 1,019 $ 12,574 December 31, 2020 Commercial & industrial Commercial real estate Agricultural Residential real estate Consumer Total Allowance: Ending balance: individually evaluated for impairment $ - $ 174 $ - $ 160 $ 3 $ 337 Ending balance: collectively evaluated for impairment $ 3,074 $ 5,277 $ 496 $ 2,374 $ 1,016 $ 12,237 Totals $ 3,074 $ 5,451 $ 496 $ 2,534 $ 1,019 $ 12,574 Loans: Ending balance: individually evaluated for impairment $ 849 $ 2,202 $ - $ 2,746 $ 162 $ 5,959 Ending balance: collectively evaluated for impairment $ 203,918 $ 368,618 $ 55,235 $ 179,419 $ 60,995 $ 868,185 Totals $ 204,767 $ 370,820 $ 55,235 $ 182,165 $ 61,157 $ 874,144
Summary of credit risk profile of the Company's loan portfolio based on rating category	($ in thousands) Commercial & industrial Commercial real estate - owner occupied Commercial real estate - nonowner occupied Agricultural Residential real estate HELOC Consumer Total Pass (1 - 4) $ 121,285 $ 111,232 $ 253,269 $ 57,403 $ 203,295 $ 41,218 $ 13,467 $ 801,169 Special Mention (5) 659 7,571 5,694 - - - - 13,924 Substandard (6) 188 - 2,848 - 3,102 464 7 6,609 Doubtful (7) 118 88 466 - 27 - - 699 Loss (8) - - - - - - - - Total Loans $ 122,250 $ 118,891 $ 262,277 $ 57,403 $ 206,424 $ 41,682 $ 13,474 $ 822,401 December 31, 2020 Commercial & industrial Commercial real estate - owner occupied Commercial real estate - nonowner occupied Agricultural Residential real estate HELOC Consumer Total Pass (1 - 4) $ 202,543 $ 108,726 $ 250,405 $ 55,227 $ 178,575 $ 45,866 $ 14,807 $ 856,149 Special Mention (5) 1,485 2,993 3,338 - - - 14 7,830 Substandard (6) 151 - 3,026 8 3,560 444 26 7,215 Doubtful (7) 588 1,450 882 - 30 - - 2,950 Loss (8) - - - - - - - - Total Loans $ 204,767 $ 113,169 $ 257,651 $ 55,235 $ 182,165 $ 46,310 $ 14,847 $ 874,144
Summary of credit risk profile of the Company's loan portfolio based on rating category	($ in thousands) 30-59 Days 60-89 Days Greater Than Total Past Current Total Loans Commercial & industrial $ 166 $ 25 $ 118 $ 309 $ 121,941 $ 122,250 Commercial real estate - owner occupied - - 88 88 118,803 118,891 Commercial real estate - nonowner occupied 221 233 246 700 261,577 262,277 Agricultural - - - - 57,403 57,403 Residential real estate 265 716 1,344 2,325 204,099 206,424 HELOC 53 80 248 381 41,301 41,682 Consumer 20 14 7 41 13,433 13,474 Total Loans $ 725 $ 1,068 $ 2,051 $ 3,844 $ 818,557 $ 822,401 December 31, 2020 30-59 Days 60-89 Days Greater Than Total Past Current Total Loans Commercial & industrial $ 380 $ - $ 618 $ 998 $ 203,769 $ 204,767 Commercial real estate - owner occupied - - 1,450 1,450 111,719 113,169 Commercial real estate - nonowner occupied - 141 699 840 256,811 257,651 Agricultural 8 - - 8 55,227 55,235 Residential real estate 12 1,393 1,212 2,617 179,548 182,165 HELOC 190 74 198 462 45,848 46,310 Consumer 123 42 20 185 14,662 14,847 Total Loans $ 713 $ 1,650 $ 4,197 $ 6,560 $ 867,584 $ 874,144
Summary of impaired loan activity	($ in thousands) Recorded Unpaid Principal Related Average Recorded Interest Income Twelve Months Ended December 31, 2021 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ 118 $ 204 $ - $ 217 $ 2 Commercial real estate - owner occupied 88 88 - 88 - Commercial real estate - nonowner occupied 223 223 - 357 28 Agricultural - - - - - Residential real estate 1,391 1,458 - 1,663 60 HELOC 33 33 41 2 Consumer - - - - - With a specific allowance recorded: Commercial & industrial - - - - - Commercial real estate - owner occupied - - - - - Commercial real estate - nonowner occupied 43 173 10 173 - Agricultural - - - - - Residential real estate 916 916 120 933 20 HELOC 102 102 3 124 5 Consumer - - - - - Totals: Commercial & industrial $ 118 $ 204 $ - $ 217 $ 2 Commercial real estate - owner occupied $ 88 $ 88 $ - $ 88 $ - Commercial real estate - nonowner occupied $ 266 $ 396 $ 10 $ 530 $ 28 Agricultural $ - $ - $ - $ - $ - Residential real estate $ 2,307 $ 2,374 $ 120 $ 2,596 $ 80 HELOC $ 135 $ 135 $ 3 $ 165 $ 7 Consumer $ - $ - $ - $ - $ - ($ in thousands) Recorded Unpaid Principal Related Average Recorded Interest Income Twelve Months Ended December 31, 2020 Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial & industrial $ 849 $ 1,645 $ - $ 1,878 $ 50 Commercial real estate - owner occupied 1,441 1,441 - 1,573 11 Commercial real estate - nonowner occupied 182 182 - 258 14 Agricultural - - - - - Residential real estate 1,017 1,084 - 1,243 64 HELOC 89 89 98 4 Consumer 7 7 - 12 1 With a specific allowance recorded: Commercial & industrial - - - - - Commercial real estate - owner occupied - - - - - Commercial real estate - nonowner occupied 579 579 174 579 3 Agricultural - - - - - Residential real estate 1,729 1,774 160 1,785 14 HELOC 66 66 3 83 6 Consumer - - - - - Totals: Commercial & industrial $ 849 $ 1,645 $ - $ 1,878 $ 50 Commercial real estate - owner occupied $ 1,441 $ 1,441 $ - $ 1,573 $ 11 Commercial real estate - nonowner occupied $ 761 $ 761 $ 174 $ 837 $ 17 Agricultural $ - $ - $ - $ - $ - Residential real estate $ 2,746 $ 2,858 $ 160 $ 3,028 $ 78 HELOC $ 155 $ 155 $ 3 $ 181 $ 10 Consumer $ 7 $ 7 $ - $ 12 $ 1
Schedule of TDR activity	($ in thousands) Number of Pre- Post HELOC 2 $ 42 $ 42 Total modifications 2 $ 42 $ 42 Interest Term Combination Total HELOC $ - $ - $ 42 $ 42 Total modifications $ - $ - $ 42 $ 42

Accounting for Certain Loans _2

Accounting for Certain Loans Acquired in an Acquisition (Tables)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Schedule of acquired loans included in the consolidated balance sheet	($ in thousands) 2021 2020 Commercial & industrial $ 1,067 $ 1,499 Commercial real estate - nonowner occupied 97 505 Agricultural 6,655 9,180 Residential real estate 2,408 3,176 Consumer 33 93 Total loans $ 10,260 $ 14,453

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of premises and equipment	($ in thousands) 2021 2020 Land $ 3,549 $ 3,996 Buildings and improvements 27,475 26,743 Equipment 13,398 11,506 Construction in process 655 997 45,077 43,242 Less accumulated depreciation (21,865 ) (19,685 ) Net premises and equipment $ 23,212 $ 23,557

Goodwill and Intangibles (Table

Goodwill and Intangibles (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of activity in goodwill	($ in thousands) Twelve Months Ended Twelve Months Ended Beginning balance $ 22,091 $ 17,792 Acquired goodwill 1,100 4,325 Measurement period adjustments - (26 ) Ending balance $ 23,191 $ 22,091
Schedule of Carrying basis and accumulated amortization of intangible assets	2021 2020 Gross Carrying Accumulated Gross Carrying Accumulated ($ in thousands) Amount Amortization Amount Amortization Core deposits intangible $ 660 $ (104 ) $ 5,359 $ (4,735 ) Customer relationship intangible 200 (173 ) 200 (170 ) Banking intangibles $ 860 $ (277 ) $ 5,559 $ (4,905 )

Mortgage Banking and Servicin_2

Mortgage Banking and Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2021
Mortgage Servicing Rights [Abstract]
Schedule of mortgage servicing rights capitalized and related amortization, along with activity in the related valuation allowance	($ in thousands) 2021 2020 Carrying amount, beginning of year $ 7,759 $ 11,017 Mortgage servicing rights capitalized during the year 4,724 5,090 Mortgage servicing rights amortization during the year (3,885 ) (4,762 ) Net change in valuation allowance 3,436 (3,586 ) Carrying amount, end of year $ 12,034 $ 7,759 Valuation allowance: Beginning of year $ 4,892 $ 1,306 Increase (reduction) (3,436 ) 3,586 End of year $ 1,456 $ 4,892 Fair value, beginning of period $ 7,759 $ 11,864 Fair value, end of period $ 12,629 $ 7,759

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of notional amount and fair value of interest rate swaps	2021 2020 Notional Fair Notional Fair ($ in thousands) Amount Value Amount Value Asset Derivatives Derivatives not designated as hedging instruments Interest rate swaps associated with loans $ 84,733 $ 3,655 $ 87,687 $ 7,962 IRLCs 21,391 22 46,130 278 Total contracts $ 106,124 $ 3,677 $ 133,817 $ 8,240 Liability Derivatives Derivatives not designated as hedging instruments Interest rate swaps associated with loans $ 84,733 $ (3,655 ) $ 87,687 $ (7,962 ) Forward contracts 25,000 (32 ) 50,000 (265 ) Total contracts $ 109,733 $ (3,687 ) $ 137,687 $ (8,227 )
Schedule of consolidated statements of income for non-hedging derivative financial instruments	Amount of gain (loss) ($ in thousands) Statement of income classification 2021 2020 Interest rate swap contracts Other income $ 242 $ 355 IRLCs Gain on sale of mortgage loans & OMSR (256 ) 223 Forward contracts Gain on sale of mortgage loans & OMSR 233 (233 )
Schedule of financial assets and derivative assets	Gross amounts Gross Net Gross amounts not offset in the consolidated balance sheet ($ in thousands) of recognized consolidated consolidated Financial Cash Net December 31, 2021 Interest rate swaps $ 3,746 $ 91 $ 3,655 $ - $ - $ 3,655 December 31, 2020 Interest rate swaps $ 7,962 $ - $ 7,962 $ - $ - $ 7,962
Schedule of financial liabilities and derivative liabilities	Gross amounts Gross Net Gross amounts not offset in the consolidated balance sheet ($ in thousands) of recognized consolidated consolidated Financial Cash Net December 31, 2021 Interest rate swaps $ 3,746 $ 91 $ 3,655 $ - $ 6,906 $ (3,251 ) December 31, 2020 Interest rate swaps $ 7,962 $ - $ 7,962 $ - $ 8,896 $ (934 )

Interest-Bearing Deposits (Tabl

Interest-Bearing Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Disclosure Text Block [Abstract]
Schedule of maturities of time deposit	($ in thousands) 2022 $ 104,583 2023 38,438 2024 7,792 2025 2,680 2026 2,829 Thereafter 182 Total $ 156,504

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of short-term borrowings	($ in thousands) 2021 2020 Securities Sold Under Repurchase Agreements $ 15,320 $ 20,189

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances (Tables)	12 Months Ended
	Dec. 31, 2021
Disclosure Text Block [Abstract]
Schedule of aggregate annual maturities of FHLB advances	($ in thousands) Debt 2022 3,000 2023 2,500 Total $ 5,500

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of provision for income taxes	For The Year Ended ($ in thousands) 2021 2020 Taxes currently payable $ 2,144 $ 5,939 Deferred provision 2,302 (2,444 ) Income tax expense $ 4,446 $ 3,495
Schedule of reconciliation of income tax expense	For The Year Ended ($ in thousands) 2021 2020 Computed at the statutory rate (21%) $ 4,772 $ 3,872 Increase (decrease) resulting from Tax exempt interest (85 ) (91 ) BOLI income (60 ) (65 ) Stock compensation - (39 ) Other (181 ) (182 ) Actual tax expense $ 4,446 $ 3,495
Schedule of temporary differences related to deferred taxes shown	For The Year Ended ($ in thousands) 2021 2020 Deferred tax assets Allowance for loan losses $ 2,899 $ 2,641 Net deferred loan fees - 298 Unrealized losses on available-for-sale securities 491 - Section 475 MTM - 645 Accrued bonus 281 375 Other 703 714 4,374 4,673 Deferred tax liabilities Depreciation (1,242 ) (1,168 ) Mortgage servicing rights (2,546 ) (1,668 ) Unrealized gains on available-for-sale securities - (587 ) Purchase accounting adjustments (1,619 ) (1,628 ) Prepaids (477 ) (465 ) Net deferred loan costs (66 ) - Section 475 MTM (491 ) - FHLB stock dividends (288 ) (288 ) (6,729 ) (5,804 ) Net deferred tax liability $ (2,355 ) $ (1,131 )

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Schedule of actual capital amounts and ratios	($ in thousands) Actual For Capital Adequacy To Be Well Capitalized As of December 31, 2021 Amount Ratio Amount Ratio Amount Ratio Tier I Capital to average assets $ 133,202 10.18 % $ 52,324 4.0 % $ 65,405 5.0 % Tier I Common equity capital to risk-weighted assets 133,202 13.94 % 42,986 4.5 % 62,090 6.5 % Tier I Capital to risk-weighted assets 133,202 13.94 % 57,314 6.0 % 76,419 8.0 % Total Risk-based capital to risk-weighted assets 145,165 15.20 % 76,419 8.0 % 95,523 10.0 % As of December 31, 2020 Tier I Capital to average assets $ 119,480 9.94 % $ 48,099 4.0 % $ 60,123 5.0 % Tier I Common equity capital to risk-weighted assets 119,480 12.91 % 41,651 4.5 % 60,162 6.5 % Tier I Capital to risk-weighted assets 119,480 12.91 % 55,534 6.0 % 74,046 8.0 % Total Risk-based capital to risk-weighted assets 131,062 14.16 % 74,046 8.0 % 92,557 10.0 %

Share-Based Compensation Plan (

Share-Based Compensation Plan (Tables)	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Schedule of restricted stock activity under the Company’s LTI Plan	Shares Weighted- Nonvested, beginning of year 34,778 $ 18.52 Granted 35,854 18.29 Vested (23,179 ) 18.39 Forfeited (6,531 ) 18.33 Nonvested, end of year 40,922 $ 18.43

Disclosures About Fair Value _2

Disclosures About Fair Value of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Schedule of fair value, assets measured on recurring basis	($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 9,105 $ - $ 9,105 $ - Mortgage-backed securities 228,134 - 228,134 - State and political subdivisions 12,879 - 12,879 - Other corporate securities 13,141 - 13,141 - Interest rate contracts - assets 3,655 - 3,655 - Interest rate contracts - liabilities (3,655 ) - (3,655 ) - Forward contracts (32 ) (32 ) - - IRLCs 22 - - 22 ($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) U.S. Treasury and Government Agencies $ 6,864 $ - $ 6,864 $ - Mortgage-backed securities 127,761 - 127,761 - State and political subdivisions 12,275 - 12,275 - Other corporate securities 2,506 - 2,506 - Interest rate contracts - assets 7,962 - 7,962 - Interest rate contracts - liabilities (7,962 ) - (7,962 ) - Forward contracts (265 ) (265 ) - - IRLCs 278 - - 278
Schedule of fair value measurements, nonrecurring	($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) Impaired loans $ 464 $ - $ - $ 464 Mortgage servicing rights 3,301 - - 3,301 ($ in thousands) Fair value at (Level 1) (Level 2) (Level 3) Impaired loans $ 3,544 $ - $ - $ 3,544 Mortgage servicing rights 7,759 - - 7,759
Schedule of unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements	($ in thousands) Fair value at December 31, 2021 Valuation technique Unobservable inputs Range (weighted- average) Collateral-dependent impaired loans $ 464 Market comparable Comparability adjustments (%) 6.4 - 18% (13%) properties Mortgage servicing rights 3,301 Discounted cash flow Discount Rate 8.65% Constant prepayment rate 10.94% P&I earnings credit 0.10% T&I earnings credit 1.25% Inflation for cost of servicing 1.50% IRLCs 22 Discounted cash flow Loan closing rates 49% - 99% ($ in thousands) Fair value at December 31, 2020 Valuation technique Unobservable inputs Range (weighted- average) Collateral-dependent impaired loans $ 3,544 Market comparable Comparability adjustments (%) 0 - 43% (22%) properties Mortgage servicing rights 7,759 Discounted cash flow Discount Rate 8.28% Constant prepayment rate 20.87% P&I earnings credit 0.14% T&I earnings credit 0.24% Inflation for cost of servicing 1.50% IRLCs 278 Discounted cash flow Loan closing rates 49% - 100%
Schedule of estimated fair values financial instruments	($ in thousands) Carrying Fair Fair value measurements using December 31, 2021 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 149,511 $ 149,511 $ 149,511 $ - $ - Interest bearing time deposits 2,643 2,643 - 2,643 - Loans held for sale 7,472 7,561 - 7,561 - Loans, net of allowance for loan losses 808,909 813,766 - - 813,766 Federal Reserve and FHLB Bank stock, at cost 5,303 5,303 - 5,303 - Interest receivable 2,920 2,920 - 2,920 - Financial liabilities Deposits $ 1,113,045 $ 1,112,710 $ 956,541 $ 156,169 $ - Short-term borrowings 15,320 15,320 - 15,320 - FHLB advances 5,500 5,596 - 5,596 - Trust preferred securities 10,310 9,067 - 9,067 - Subordinated debt, net of issuance costs 19,546 20,581 - 20,581 - Interest payable 299 299 - 299 - ($ in thousands) Carrying Fair Fair value measurements using December 31, 2020 amount value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 140,690 $ 140,690 $ 140,690 $ - $ - Interest bearing time deposits 5,823 5,823 - 5,823 - Loans held for sale 7,234 7,508 - 7,508 - Loans, net of allowance for loan losses 860,149 853,294 - - 853,294 Federal Reserve and FHLB Bank stock, at cost 5,303 5,303 - 5,303 - Interest receivable 3,799 3,799 - 3,799 - Financial liabilities Deposits $ 1,049,011 $ 1,050,558 $ 819,462 $ 231,096 $ - Short-term borrowings 20,189 20,189 - 20,189 - FHLB advances 8,000 8,257 - 8,257 - Trust preferred securities 10,310 8,394 - 8,394 - Interest payable 616 616 - 616 -

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Schedule of condensed balance sheets	($ in thousands) 2021 2020 Assets Cash & cash equivalents $ 14,406 $ 2,178 Investment in banking subsidiaries 152,761 143,244 Investment in nonbanking subsidiaries 6,770 5,617 Other assets 2,259 3,229 Total assets $ 176,196 $ 154,268 Liabilities Trust preferred securities $ 10,000 $ 10,000 Sub debt net of issuance cost 19,546 - Borrowings from nonbanking subsidiaries 310 310 Other liabilities & accrued interest payable 1,411 1,035 Total liabilities 31,267 11,345 Stockholders’ equity 144,929 142,923 Total liabilities and stockholders’ equity $ 176,196 $ 154,268
Schedule of condensed statements of income	($ in thousands) 2021 2020 Dividends from subsidiaries: Banking subsidiaries $ 5,000 $ 24,025 Nonbanking subsidiaries 500 - Total income 5,500 24,025 Expenses Interest expense 661 256 Other expense 1,478 2,950 Total expenses 2,139 3,206 Income before income tax 3,361 20,819 Income tax benefit (450 ) (712 ) Income before equity in undistributed income of subsidiaries 3,811 21,531 Equity in undistributed income of subsidiaries Banking subsidiaries 13,573 (8,071 ) Nonbanking subsidiaries 893 1,484 Total 14,466 (6,587 ) Net income $ 18,277 $ 14,944
Schedule of condensed statements of comprehensive income	($ in thousands) 2021 2020 Net income $ 18,277 $ 14,944 Other comprehensive income: Available-for-sale investment securities: Gross unrealized holding gain (loss) arising in the period (5,133 ) 1,963 Related tax (expense) benefit 1,078 (412 ) Net effect on other comprehensive income (4,055 ) 1,551 Total comprehensive income $ 14,222 $ 16,495
Schedule of condensed statements of cash flows	($ in thousands) 2021 2020 Operating activities Net income $ 18,277 $ 14,944 Items not requiring (providing) cash Equity in undistributed net income of subsidiaries (14,466 ) 6,587 Stock compensation expense 443 382 Other assets 1,811 (2,287 ) Other liabilities 376 663 Net cash provided by operating activities 6,441 20,289 Investing activities Capital contributed to banking subsidiary - (15,520 ) Capital contributed to nonbanking subsidiary (1,100 ) - Net cash used in investing activities (1,100 ) (15,520 ) Financing activities Dividends on common shares (3,139 ) (3,070 ) Proceeds from share-based compensation plans - 188 Repurchase of common shares (9,520 ) (7,166 ) Proceeds from sub-debt net of issuance cost 19,546 - Net cash provided by (used in) financing activities 6,887 (10,048 ) Net change in cash and cash equivalents 12,228 (5,279 ) Cash and cash equivalents at beginning of year 2,178 7,457 Cash and cash equivalents at end of year $ 14,406 $ 2,178

Quarterly Financial Informati_2

Quarterly Financial Information (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Schedule of quarterly financial information	2021 December September June March Interest income $ 10,003 $ 11,033 $ 10,163 $ 10,705 Interest expense 925 1,009 1,006 1,080 Net interest income 9,078 10,024 9,157 9,625 Provision for loan losses - 300 - 750 Noninterest income 6,589 6,649 6,537 10,922 Noninterest expense 11,567 11,256 11,076 10,909 Income tax expense 768 1,014 857 1,807 Net income $ 3,332 $ 4,103 $ 3,761 $ 7,081 Basic earnings per common share $ 0.49 $ 0.59 $ 0.53 $ 0.97 Diluted earnings per common share $ 0.49 $ 0.58 $ 0.52 $ 0.97 Dividends per share $ 0.115 $ 0.110 $ 0.110 $ 0.105 2020 December September June March Interest income $ 10,589 $ 10,807 $ 10,595 $ 10,644 Interest expense 1,338 1,548 1,723 2,096 Net interest income 9,251 9,259 8,872 8,548 Provision for loan losses 800 1,800 1,300 600 Noninterest income 8,902 10,418 8,615 2,161 Noninterest expense 10,684 11,335 11,662 9,406 Income tax expense 1,311 1,292 870 22 Net income $ 5,358 $ 5,250 $ 3,655 $ 681 Basic earnings per common share $ 0.71 $ 0.69 $ 0.47 $ 0.09 Diluted earnings per common share $ 0.71 $ 0.69 $ 0.47 $ 0.09 Dividends per share $ 0.105 $ 0.100 $ 0.100 $ 0.095

Organization and Summary of S_2

Organization and Summary of Significant Accounting Policies (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)
Organization and Summary of Significant Accounting Policies (Details) [Line Items]
Federally insured (in Dollars)	$ 7.9
Cash federally uninsured (in Dollars)	$ 129.1
likelihood, percentage	50.00%
Tax benefit, percentage	50.00%
Subordinated debt obligation (in Dollars)	$ 20
Floating rate subordinated	3.65%
Minimum [Member]
Organization and Summary of Significant Accounting Policies (Details) [Line Items]
Weighted-average period	1 year
Straight-line method periods ranging	1 year
Maximum [Member]
Organization and Summary of Significant Accounting Policies (Details) [Line Items]
Weighted-average period	15 years
Straight-line method periods ranging	3 years

Earnings Per Share (Details)

Earnings Per Share (Details) - $ / shares	Jan. 10, 2022	Dec. 31, 2021	Jan. 25, 2022	Dec. 31, 2020
Earnings Per Share (Details) [Line Items]
Common stock dividend payable, percentage		5.00%
Closing price per share	$ 19.89
Common stock, shares outstanding (in Shares)		345,000
Earnings per share, diluted		$ 0.11
Common stock, shares authorized (in Shares)		10,000,000		10,000,000
Common stock, par value
Subsequent Event [Member]
Earnings Per Share (Details) [Line Items]
Common stock dividend payable, percentage	5.00%
Minimum [Member]
Earnings Per Share (Details) [Line Items]
Common stock, shares authorized (in Shares)			10,000,000
Maximum [Member]
Earnings Per Share (Details) [Line Items]
Common stock, par value			$ 10,500,000

Earnings Per Share (Details) -

Earnings Per Share (Details) - Schedule of earnings per share - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Schedule of earnings per share [Abstract]
Distributed earnings allocated to common shares	$ 3,139	$ 3,070
Undistributed earnings allocated to common shares	15,117	11,858
Net earnings allocated to common shares	18,256	14,928
Net earnings allocated to participating securities	21	16
Net Income allocated to common shares and participating securities	$ 18,277	$ 14,944
Weighted average shares outstanding for basic earnings per share (in Shares)	7,083	7,613
Dilutive effect of stock compensation (in Shares)	47	22
Weighted average shares outstanding for diluted earnings per share (in Shares)	7,130	7,635
Basic earnings per common share (in Dollars per share)	$ 2.58	$ 1.96
Diluted earnings per common share (in Dollars per share)	$ 2.56	$ 1.96

Business Combination (Details)

Business Combination (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Business Combination (Details) [Line Items]
Goodwill	$ 4,300,000
Intangible assets in business combination	$ 700,000
Intangible assets amortized period	10 years
Amount of contractual principal of loans	$ 16,800,000
Contractual cash flows not expected to be collected	$ 400,000
Income tax expense statutory rate	21.00%
Series of Individually Immaterial Business Acquisitions [Member]
Business Combination (Details) [Line Items]
Fixed consideration received by shareholders of edon	$ 103,500
Total consideration of edon	15,500,000
Expenses of direct acquisition costs		$ 1,200,000
Merger expenses	1,200,000
Nonrecurring costs	$ 1,200,000	$ 700,000

Business Combination (Details)

Business Combination (Details) - Schedule of fair value of identifiable assets and liabilities - Business Combination [Member] $ in Thousands	Jun. 05, 2020USD ($)
Fair value of assets acquired
Cash and cash equivalents	$ 31,756
Interest bearing time deposits	11,542
Investment securities	1,362
Federal Home Loan Bank stock	117
Loans held for investment	16,395
Premises and equipment	446
Goodwill	4,299
Core deposit intangible	660
Other assets	192
Total assets acquired	66,769
Fair value of liabilities assumed
Deposits	51,053
Other liabilities	223
Total liabilities assumed	51,276
Total purchase price (cash)	$ 15,493

Business Combination (Details_2

Business Combination (Details) - Schedule of pro forma financial information - Pro Forma [Member] $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)$ / shares
Business Combination (Details) - Schedule of pro forma financial information [Line Items]
Net interest income	$ 36,429
Provision for loan losses	4,500
Net interest income after provision	31,929
Non interest income	30,140
Non interest expense	44,158
Income before income taxes	17,911
Income tax expense	3,384	[1]
Net income	$ 14,527
Basic earnings per share (in Dollars per share) | $ / shares
Diluted earnngs per share (in Dollars per share) | $ / shares	$ 1.9
[1]	Income tax expense for Edon State Bank calculated using a 21% statuatory rate

Available-for-Sale Securities_2

Available-for-Sale Securities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Securities [Abstract]
Fair value of securities pledged as collateral	$ 54.2	$ 53.7
Securities delivered for repurchase agreements	23.6	28.2
Fair value investments	$ 214.2	$ 27.3
Fair value as a percentage of available-for-sale investment portfolio	81.00%	18.00%
Total unrealized loss in the securities portfolio	$ 3.6

Available-for-Sale Securities_3

Available-for-Sale Securities (Details) - Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities [Line Items]
Amortized Cost	$ 265,595	$ 146,609
Gross Unrealized Gains	1,287	2,854
Gross Unrealized Losses	(3,623)	(57)
Fair Value	263,259	149,406
U.S. Treasury and Government agencies [Member]
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities [Line Items]
Amortized Cost	8,986	6,541
Gross Unrealized Gains	135	323
Gross Unrealized Losses	(16)
Fair Value	9,105	6,864
Mortgage-backed securities [Member]
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities [Line Items]
Amortized Cost	231,057	125,973
Gross Unrealized Gains	614	1,845
Gross Unrealized Losses	(3,537)	(57)
Fair Value	228,134	127,761
State and political subdivisions [Member]
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities [Line Items]
Amortized Cost	12,352	11,595
Gross Unrealized Gains	536	680
Gross Unrealized Losses	(9)
Fair Value	12,879	12,275
Other corporate securities [Member]
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair values with gross unrealized gains and losses of available-for-sale securities [Line Items]
Amortized Cost	13,200	2,500
Gross Unrealized Gains	2	6
Gross Unrealized Losses	(61)
Fair Value	$ 13,141	$ 2,506

Available-for-Sale Securities_4

Available-for-Sale Securities (Details) - Schedule of amortized cost and fair value of securities available-for-sale by contractual maturity $ in Thousands	Dec. 31, 2021USD ($)
Amortized Cost [Member]
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair value of securities available-for-sale by contractual maturity [Line Items]
Available for Sale, Amortized Cost, Within one year	$ 606
Available for Sale, Amortized Cost, Due after one year through five years	2,724
Available for Sale, Amortized Cost, Due after five years through ten years	23,156
Available for Sale, Amortized Cost, Due after ten years	8,052
Available for Sale, Amortized Cost	34,538
Mortgage-backed securities	231,057
Available for Sale, Amortized Cost, Totals	265,595
Fair Value [Member]
Available-for-Sale Securities (Details) - Schedule of amortized cost and fair value of securities available-for-sale by contractual maturity [Line Items]
Available for Sale, Fair Value, Within one year	606
Available for Sale, Fair Value, Due after one year through five years	2,772
Available for Sale, Fair Value, Due after five years through ten years	23,406
Available for Sale, Fair Value, Due after ten years	8,341
Available for Sale, Fair Value	35,125
Mortgage-backed securities	228,134
Available for Sale, Fair Value, Totals	$ 263,259

Available-for-Sale Securities_5

Available-for-Sale Securities (Details) - Schedule of securities with unrealized losses - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-Sale Securities (Details) - Schedule of securities with unrealized losses [Line Items]
Less than 12 Months, Fair Value	$ 195,686	$ 26,582
Less than 12 Months, Unrealized Losses	(2,942)	(54)
12 Months or Longer, Fair Value	18,566	717
12 Months or Longer, Unrealized Losses	(681)	(3)
Total Fair Value	214,252	27,299
Total Unrealized Losses	(3,623)	(57)
U.S. Treasury and Government agencies [Member]
Available-for-Sale Securities (Details) - Schedule of securities with unrealized losses [Line Items]
Less than 12 Months, Fair Value	3,397
Less than 12 Months, Unrealized Losses	(16)
12 Months or Longer, Fair Value
12 Months or Longer, Unrealized Losses
Total Fair Value	3,397
Total Unrealized Losses	(16)
Mortgage-backed securities [Member]
Available-for-Sale Securities (Details) - Schedule of securities with unrealized losses [Line Items]
Less than 12 Months, Fair Value	183,727	26,582
Less than 12 Months, Unrealized Losses	(2,856)	(54)
12 Months or Longer, Fair Value	18,566	717
12 Months or Longer, Unrealized Losses	(681)	(3)
Total Fair Value	202,293	27,299
Total Unrealized Losses	(3,537)	(57)
State and political subdivisions [Member]
Available-for-Sale Securities (Details) - Schedule of securities with unrealized losses [Line Items]
Less than 12 Months, Fair Value	1,673
Less than 12 Months, Unrealized Losses	(9)
12 Months or Longer, Fair Value
12 Months or Longer, Unrealized Losses
Total Fair Value	1,673
Total Unrealized Losses	(9)
Other corporate securities [Member]
Available-for-Sale Securities (Details) - Schedule of securities with unrealized losses [Line Items]
Less than 12 Months, Fair Value	6,889
Less than 12 Months, Unrealized Losses	(61)
12 Months or Longer, Fair Value
12 Months or Longer, Unrealized Losses
Total Fair Value	6,889
Total Unrealized Losses	$ (61)

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans and Allowance for Loan Losses (Details) [Line Items]
Principal amount outstanding of non-homogeneous loans	$ 100,000
Description of Impaired loans which included in groups of homogenous loans	Impaired loans less than $100,000 are included in groups of homogenous loans.
Loan	$ 1,100
Total loan	111,400,000
Sale of foreclosed assets	129,000	$ 500,000
Fees	4,900,000
Originated fees totaled	3,400,000	$ 1,400,000
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses (Details) [Line Items]
Sale of foreclosed assets	$ 2,000,000

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Details) - Schedule of categories of loans - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 822,401	$ 874,144
Net deferred costs (fees)	313	(1,421)
Total loans, net deferred costs (fees)	822,714	872,723
Allowance for loan losses	(13,805)	(12,574)
Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	3,652	6,426
Commercial & industrial [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	122,250	204,767
Commercial & industrial [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	143	902
Commercial real estate - owner occupied [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	118,891	113,169
Commercial real estate - owner occupied [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	88	1,450
Commercial real estate - nonowner occupied [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	262,277	257,651
Commercial real estate - nonowner occupied [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	466	962
Agricultural [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	57,403	55,235
Agricultural [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans
Residential real estate [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	206,424	182,165
Residential real estate [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,484	2,704
Home equity line of credit (HELOC) [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	41,682	46,310
Home equity line of credit (HELOC) [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	464	390
Consumer [Member] | Total Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	13,474	14,847
Consumer [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 7	$ 18

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Details) - Schedule of loan commitments, unused lines of credit and standby letters of credit - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of loan commitments, unused lines of credit and standby letters of credit [Abstract]
Loan commitments and unused lines of credit	$ 219,618	$ 215,616
Standby letters of credit	2,060	3,161
Totals	$ 221,678	$ 218,777

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Details) - Schedule of allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	$ 12,574	$ 8,755
Ending balance	13,805	12,574
Allowance:
Ending balance: individually evaluated for impairment	133	337
Ending balance: collectively evaluated for impairment	13,672	12,237
Totals	13,805	12,574
Loans:
Ending balance: individually evaluated for impairment	2,914	5,959
Ending balance: collectively evaluated for impairment	819,487	868,185
Totals	822,401	874,144
Charge offs	(136)	(743)
Recoveries	317	62
Provision	1,050	4,500
Commercial & industrial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	3,074	1,883
Ending balance	1,890	3,074
Allowance:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	1,890	3,074
Totals	1,890	3,074
Loans:
Ending balance: individually evaluated for impairment	118	849
Ending balance: collectively evaluated for impairment	122,132	203,918
Totals	122,250	204,767
Charge offs		(582)
Recoveries	227	16
Provision	(1,411)	1,757
Commercial real estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	5,451	3,602
Ending balance	6,781	5,451
Allowance:
Ending balance: individually evaluated for impairment	10	174
Ending balance: collectively evaluated for impairment	6,771	5,277
Totals	6,781	5,451
Loans:
Ending balance: individually evaluated for impairment	354	2,202
Ending balance: collectively evaluated for impairment	380,814	368,618
Totals	381,168	370,820
Charge offs
Recoveries
Provision	1,330	1,849
Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	496	434
Ending balance	599	496
Allowance:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	599	496
Totals	599	496
Loans:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	57,403	55,235
Totals	57,403	55,235
Charge offs
Recoveries
Provision	103	62
Residential real estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	2,534	2,203
Ending balance	3,515	2,534
Allowance:
Ending balance: individually evaluated for impairment	120	160
Ending balance: collectively evaluated for impairment	3,395	2,374
Totals	3,515	2,534
Loans:
Ending balance: individually evaluated for impairment	2,307	2,746
Ending balance: collectively evaluated for impairment	204,117	179,419
Totals	206,424	182,165
Charge offs	(43)	(82)
Recoveries	49	40
Provision	975	373
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	1,019	633
Ending balance	1,020	1,019
Allowance:
Ending balance: individually evaluated for impairment	3	3
Ending balance: collectively evaluated for impairment	1,017	1,016
Totals	1,020	1,019
Loans:
Ending balance: individually evaluated for impairment	135	162
Ending balance: collectively evaluated for impairment	55,021	60,995
Totals	55,156	61,157
Charge offs	(93)	(79)
Recoveries	41	6
Provision	$ 53	$ 459

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Details) - Summary of credit risk profile of the Company's loan portfolio based on rating category - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	$ 822,401	$ 874,144
Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	801,169	856,149
Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	13,924	7,830
Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	6,609	7,215
Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	699	2,950
Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Commercial & industrial [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	122,250	204,767
Commercial & industrial [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	121,285	202,543
Commercial & industrial [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	659	1,485
Commercial & industrial [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	188	151
Commercial & industrial [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	118	588
Commercial & industrial [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Commercial real estate - owner occupied [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	118,891	113,169
Commercial real estate - owner occupied [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	111,232	108,726
Commercial real estate - owner occupied [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	7,571	2,993
Commercial real estate - owner occupied [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Commercial real estate - owner occupied [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	88	1,450
Commercial real estate - owner occupied [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Commercial real estate - nonowner occupied [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	262,277	257,651
Commercial real estate - nonowner occupied [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	253,269	250,405
Commercial real estate - nonowner occupied [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	5,694	3,338
Commercial real estate - nonowner occupied [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	2,848	3,026
Commercial real estate - nonowner occupied [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	466	882
Commercial real estate - nonowner occupied [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Agricultural [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	57,403	55,235
Agricultural [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	57,403	55,227
Agricultural [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Agricultural [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		8
Agricultural [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Agricultural [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Residential real estate [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	206,424	182,165
Residential real estate [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	203,295	178,575
Residential real estate [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Residential real estate [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	3,102	3,560
Residential real estate [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	27	30
Residential real estate [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
HELOC [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	41,682	46,310
HELOC [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	41,218	45,866
HELOC [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
HELOC [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	464	444
HELOC [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
HELOC [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Consumer [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	13,474	14,847
Consumer [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	13,467	14,807
Consumer [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		14
Consumer [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans	7	26
Consumer [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans
Consumer [Member] | Loss [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Details) - Summary of loan portfolio aging analysis - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 3,844	$ 6,560
Current	818,557	867,584
Total Loans Receivable	822,401	874,144
30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	725	713
60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,068	1,650
Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,051	4,197
Commercial & industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	309	998
Current	121,941	203,769
Total Loans Receivable	122,250	204,767
Commercial & industrial [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	166	380
Commercial & industrial [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	25
Commercial & industrial [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	118	618
Commercial real estate - owner occupied [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	88	1,450
Current	118,803	111,719
Total Loans Receivable	118,891	113,169
Commercial real estate - owner occupied [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate - owner occupied [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate - owner occupied [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	88	1,450
Commercial real estate - nonowner occupied [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	700	840
Current	261,577	256,811
Total Loans Receivable	262,277	257,651
Commercial real estate - nonowner occupied [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	221
Commercial real estate - nonowner occupied [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	233	141
Commercial real estate - nonowner occupied [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	246	699
Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		8
Current	57,403	55,227
Total Loans Receivable	57,403	55,235
Agricultural [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		8
Agricultural [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Agricultural [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Residential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,325	2,617
Current	204,099	179,548
Total Loans Receivable	206,424	182,165
Residential real estate [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	265	12
Residential real estate [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	716	1,393
Residential real estate [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,344	1,212
HELOC [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	381	462
Current	41,301	45,848
Total Loans Receivable	41,682	46,310
HELOC [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	53	190
HELOC [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	80	74
HELOC [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	248	198
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	41	185
Current	13,433	14,662
Total Loans Receivable	13,474	14,847
Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	20	123
Consumer [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	14	42
Consumer [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 7	$ 20

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses (Details) - Summary of impaired loan activity - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commercial & industrial [Member]
With no related allowance recorded:
With no related allowance recorded, Recorded Investment	$ 118	$ 849
With no related allowance recorded, Unpaid Principal Balance	204	1,645
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	217	1,878
With no related allowance recorded, Interest Income Recognized	2	50
With a specific allowance recorded:
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
Totals:
Total Recorded Investment	118	849
Total Unpaid Principal Balance	204	1,645
Total Related Allowance
Total Average Recorded Investment	217	1,878
Total Interest Income Recognized	2	50
Commercial real estate - owner occupied [Member ]
With no related allowance recorded:
With no related allowance recorded, Recorded Investment	88	1,441
With no related allowance recorded, Unpaid Principal Balance	88	1,441
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	88	1,573
With no related allowance recorded, Interest Income Recognized		11
With a specific allowance recorded:
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
Totals:
Total Recorded Investment	88	1,441
Total Unpaid Principal Balance	88	1,441
Total Related Allowance
Total Average Recorded Investment	88	1,573
Total Interest Income Recognized		11
Commercial Real Estate - Nonowner Occupied [Member]
With no related allowance recorded:
With no related allowance recorded, Recorded Investment	223	182
With no related allowance recorded, Unpaid Principal Balance	223	182
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	357	258
With no related allowance recorded, Interest Income Recognized	28	14
With a specific allowance recorded:
With a specific allowance recorded, Recorded Investment	43	579
With a specific allowance recorded, Unpaid Principal Balance	173	579
With a specific allowance recorded, Related Allowance	10	174
With a specific allowance recorded, Average Recorded Investment	173	579
With a specific allowance recorded, Interest Income Recognized		3
Totals:
Total Recorded Investment	266	761
Total Unpaid Principal Balance	396	761
Total Related Allowance	10	174
Total Average Recorded Investment	530	837
Total Interest Income Recognized	28	17
Agricultural [Member]
With no related allowance recorded:
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:
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
Totals:
Total Recorded Investment
Total Unpaid Principal Balance
Total Related Allowance
Total Average Recorded Investment
Total Interest Income Recognized
Residential real estate [Member]
With no related allowance recorded:
With no related allowance recorded, Recorded Investment	1,391	1,017
With no related allowance recorded, Unpaid Principal Balance	1,458	1,084
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment	1,663	1,243
With no related allowance recorded, Interest Income Recognized	60	64
With a specific allowance recorded:
With a specific allowance recorded, Recorded Investment	916	1,729
With a specific allowance recorded, Unpaid Principal Balance	916	1,774
With a specific allowance recorded, Related Allowance	120	160
With a specific allowance recorded, Average Recorded Investment	933	1,785
With a specific allowance recorded, Interest Income Recognized	20	14
Totals:
Total Recorded Investment	2,307	2,746
Total Unpaid Principal Balance	2,374	2,858
Total Related Allowance	120	160
Total Average Recorded Investment	2,596	3,028
Total Interest Income Recognized	80	78
HELOC [Member]
With no related allowance recorded:
With no related allowance recorded, Recorded Investment	33	89
With no related allowance recorded, Unpaid Principal Balance	33	89
With no related allowance recorded, Average Recorded Investment	41	98
With no related allowance recorded, Interest Income Recognized	2	4
With a specific allowance recorded:
With a specific allowance recorded, Recorded Investment	102	66
With a specific allowance recorded, Unpaid Principal Balance	102	66
With a specific allowance recorded, Related Allowance	3	3
With a specific allowance recorded, Average Recorded Investment	124	83
With a specific allowance recorded, Interest Income Recognized	5	6
Totals:
Total Recorded Investment	135	155
Total Unpaid Principal Balance	135	155
Total Related Allowance	3	3
Total Average Recorded Investment	165	181
Total Interest Income Recognized	7	10
Consumer [Member]
With no related allowance recorded:
With no related allowance recorded, Recorded Investment		7
With no related allowance recorded, Unpaid Principal Balance		7
With no related allowance recorded, Related Allowance
With no related allowance recorded, Average Recorded Investment		12
With no related allowance recorded, Interest Income Recognized		1
With a specific allowance recorded:
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
Totals:
Total Recorded Investment		7
Total Unpaid Principal Balance		7
Total Related Allowance
Total Average Recorded Investment		12
Total Interest Income Recognized		$ 1

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Details) - Schedule of TDR activity $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans	2
Pre-Modification Recorded Balance	$ 42
Post Modification Recorded Balance	42
Interest Only
Term
Combination	42
Total Modification	$ 42
HELOC [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans	2
Pre-Modification Recorded Balance	$ 42
Post Modification Recorded Balance	42
Interest Only
Term
Combination	42
Total Modification	$ 42

Accounting for Certain Loans _3

Accounting for Certain Loans Acquired in an Acquisition (Details) $ in Millions	Dec. 31, 2021USD ($)
Accounting Policies [Abstract]
Amount of accretable yield or income expected to be collected	$ 0.2

Accounting for Certain Loans _4

Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet [Line Items]
Total loans	$ 10,260	$ 14,453
Commercial & industrial [Member]
Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet [Line Items]
Total loans	1,067	1,499
Commercial real estate - nonowner occupied [Member]
Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet [Line Items]
Total loans	97	505
Agricultural [Member]
Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet [Line Items]
Total loans	6,655	9,180
Residential real estate [Member]
Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet [Line Items]
Total loans	2,408	3,176
Consumer [Member]
Accounting for Certain Loans Acquired in an Acquisition (Details) - Schedule of acquired loans included in the consolidated balance sheet [Line Items]
Total loans	$ 33	$ 93

Premises and Equipment (Details

Premises and Equipment (Details) - Schedule of premises and equipment - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 45,077	$ 43,242
Less accumulated depreciation	(21,865)	(19,685)
Net premises and equipment	23,212	23,557
Land [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	3,549	3,996
Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	27,475	26,743
Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	13,398	11,506
Construction process [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 655	$ 997

Goodwill and Intangibles (Detai

Goodwill and Intangibles (Details) - USD ($) $ in Thousands	Jun. 05, 2020	Dec. 31, 2021	Dec. 31, 2020
Goodwill and Intangibles (Details) [Line Items]
Goodwill	$ 4,300	$ 23,200	$ 22,100
Amortization expense for intangibles		$ 70	$ 50
Estimated amortization expense useful life		5 years
Ohio Based Title Agency [Member]
Goodwill and Intangibles (Details) [Line Items]
Goodwill		$ 1,100

Goodwill and Intangibles (Det_2

Goodwill and Intangibles (Details) - Schedule of activity in goodwill - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Schedule of activity in goodwill [Abstract]
Beginning balance	$ 22,091	$ 17,792
Ending balance	23,191	22,091
Acquired goodwill	1,100	4,325
Measurement period adjustments		$ (26)

Goodwill and Intangibles (Det_3

Goodwill and Intangibles (Details) - Schedule of Carrying basis and accumulated amortization of intangible assets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Core deposits intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 660	$ 5,359
Accumulated Amortization	(104)	(4,735)
Customer relationship intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	200	200
Accumulated Amortization	(173)	(170)
Banking intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	860	5,559
Accumulated Amortization	$ (277)	$ (4,905)

Mortgage Banking and Servicin_3

Mortgage Banking and Servicing Rights (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Mortgage Servicing Rights [Abstract]
Unpaid principal balance of mortgage loans	$ 1,400	$ 1,300
Contractually specified servicing fees	$ 3.1	$ 3.2

Mortgage Banking and Servicin_4

Mortgage Banking and Servicing Rights (Details) - Schedule of mortgage servicing rights capitalized and related amortization, along with activity in the related valuation allowance - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Schedule of mortgage servicing rights capitalized and related amortization, along with activity in the related valuation allowance [Abstract]
Carrying amount, beginning of year	$ 7,759	$ 11,017
Mortgage servicing rights capitalized during the year	4,724	5,090
Mortgage servicing rights amortization during the year	(3,885)	(4,762)
Net change in valuation allowance	3,436	(3,586)
Carrying amount, end of year	12,034	7,759
Valuation allowance:
Beginning of year	4,892	1,306
Increase (reduction)	(3,436)	3,586
End of year	1,456	4,892
Fair value, beginning of period	7,759	11,864
Fair value, end of period	$ 12,629	$ 7,759

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - Schedule of notional amount and fair value of interest rate swaps - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Derivatives not designated as hedging instruments
Asset Derivatives, Notional Amount	$ 106,124	$ 133,817
Asset Derivatives, Fair Value	3,677	8,240
Derivatives not designated as hedging instruments
Liability Derivatives, Notional Amount	109,733	137,687
Liability Derivatives, Fair Value	(3,687)	(8,227)
Forward contracts [Member]
Derivatives not designated as hedging instruments
Liability Derivatives, Notional Amount	25,000	50,000
Liability Derivatives, Fair Value	(32)	(265)
Interest rate swaps associated with loans [Member]
Derivatives not designated as hedging instruments
Asset Derivatives, Notional Amount	84,733	87,687
Asset Derivatives, Fair Value	3,655	7,962
Derivatives not designated as hedging instruments
Liability Derivatives, Notional Amount	84,733	87,687
Liability Derivatives, Fair Value	(3,655)	(7,962)
IRLCs [Member]
Derivatives not designated as hedging instruments
Asset Derivatives, Notional Amount	21,391	46,130
Asset Derivatives, Fair Value	$ 22	$ 278

Derivative Financial Instrume_4

Derivative Financial Instruments (Details) - Schedule of consolidated statements of income for non-hedging derivative financial instruments - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Interest rate swap contracts [Member]
Condensed Financial Statements, Captions [Line Items]
Statement of income classification	Other income
Amount of gain (loss)	$ 242	$ 355
IRLCs [Member]
Condensed Financial Statements, Captions [Line Items]
Statement of income classification	Gain on sale of mortgage loans & OMSR
Amount of gain (loss)	$ (256)	223
Forward contracts [Member]
Condensed Financial Statements, Captions [Line Items]
Statement of income classification	Gain on sale of mortgage loans & OMSR
Amount of gain (loss)	$ 233	$ (233)

Derivative Financial Instrume_5

Derivative Financial Instruments (Details) - Schedule of financial assets and derivative assets - Interest rate swaps [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Offsetting Assets [Line Items]
Gross amounts of recognized assets	$ 3,746	$ 7,962
Gross amounts offset in the consolidated balance sheet	91
Net amounts of assets presented in the consolidated balance sheet	3,655	7,962
Gross amounts not offset in the consolidated balance sheet, Financial instruments
Gross amounts not offset in the consolidated balance sheet, Cash collateral received
Gross amounts not offset in the consolidated balance sheet, Net amount	$ 3,655	$ 7,962

Derivative Financial Instrume_6

Derivative Financial Instruments (Details) - Schedule of financial liabilities and derivative liabilities - Interest rate swaps [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Offsetting Liabilities [Line Items]
Gross amounts of recognized liabilities	$ 3,746	$ 7,962
Gross amounts offset in the consolidated balance sheet	91
Net amounts of liabilities presented in the consolidated balance sheet	3,655	7,962
Gross amounts not offset in the consolidated balance sheet, Financial instruments
Gross amounts not offset in the consolidated balance sheet, Cash collateral pledged	6,906	8,896
Gross amounts not offset in the consolidated balance sheet, Net amount	$ (3,251)	$ (934)

Interest-Bearing Deposits (Deta

Interest-Bearing Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Interest-Bearing Deposits [Abstract]
Interest-bearing time deposits in denominations of $250,000 or more	$ 13,800	$ 27,800
Certificates of deposit obtained from brokers	5,000
Time deposits	55,600	73,100
Cash FDIC insured amount		$ 250,000
Cash CDARS program insured	250,000
Other banks program	$ 250,000

Interest-Bearing Deposits (De_2

Interest-Bearing Deposits (Details) - Schedule of maturities of time deposit $ in Thousands	Dec. 31, 2021USD ($)
Schedule of maturities of time deposit [Abstract]
2022	$ 104,583
2023	38,438
2024	7,792
2025	2,680
2026	2,829
Thereafter	182
Total	$ 156,504

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Short-Term Borrowings (Details) [Line Items]
Securities Sold under Agreements to Repurchase	$ 15,320	$ 20,189
Mortgage-backed securities	15,200	17,500
Other Short-term Borrowings	15,320	20,189
Monthly average of such agreements totaled	22,800	20,800
Purchases of federal funds	41,000	41,000
Retail Repurchase Agreements [Member]
Short-Term Borrowings (Details) [Line Items]
Securities Sold under Agreements to Repurchase	$ 8,400	10,700
Mortgage-backed securities maturity, basis of allocation description	The collateral is held at the FHLB and has maturities from 2022 through 2051
Maximum amount of outstanding agreements at any month-end	$ 34,200	$ 25,600
Short-term borrowings mature, description	The repurchase agreements mature within one month.

Short-Term Borrowings (Detail_2

Short-Term Borrowings (Details) - Schedule of short-term borrowings - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of short-term borrowings [Abstract]
Securities Sold Under Repurchase Agreements	$ 15,320	$ 20,189

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances (Details) $ in Millions	Dec. 31, 2021USD ($)
Federal Home Loan Bank Advances [Abstract]
Secured by mortgage loans (in Dollars)	$ 153.7
Minimum [Member]
Federal Home Loan Bank Advances [Abstract]
Interest rate	2.88%
Maximum [Member]
Federal Home Loan Bank Advances [Abstract]
Interest rate	2.93%

Federal Home Loan Bank Advanc_4

Federal Home Loan Bank Advances (Details) - Schedule of aggregate annual maturities of FHLB advances $ in Thousands	Dec. 31, 2021USD ($)
Schedule of aggregate annual maturities of FHLB advances [Abstract]
2022	$ 3,000
2023	2,500
Total	$ 5,500

Trust Preferred Securities (Det

Trust Preferred Securities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Trust Preferred Securities [Abstract]
Capital securities	$ 10.3	$ 10.3
Maturity date	Sep. 15, 2035
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. The issuers of these securities have not yet determined the replacement rate index for LIBOR. These securities may be included in Tier 1 capital and may be prepaid at any time without penalty (with certain limitations applicable) under current regulatory guidelines and interpretations.

Subordinated Debt (Details)

Subordinated Debt (Details) $ in Millions	1 Months Ended
	May 27, 2021USD ($)
Subordinated Debt [Abstract]
Aggregate principal amount	$ 20
Floating rate percentage	3.65%
Debt, description	The Notes mature on June 1, 2031 and bear interest at a fixed rate of 3.65% through May 31, 2026. From June 1, 2026 to the maturity date or earlier redemption of the Notes, the interest rate will reset quarterly to an interest rate per annum, equal to the then-current-three-month Secured Overnight Financing Rate (“SOFR”) provided by the Federal Reserve Bank of New York plus 296 basis points. The Company may redeem the Notes at any time after May 31, 2026, and at any time in whole, but not in part, upon the occurrence of certain events. Any redemption of the Notes will be subject to prior regulatory approval.
Legal and other expenses	$ 0.5

Income Taxes (Details) - Schedu

Income Taxes (Details) - Schedule of provision for income taxes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Schedule of provision for income taxes [Abstract]
Taxes currently payable	$ 2,144	$ 5,939
Deferred provision	2,302	(2,444)
Income tax expense	$ 4,446	$ 3,495

Income Taxes (Details) - Sche_2

Income Taxes (Details) - Schedule of reconciliation of income tax expense - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Schedule of reconciliation of income tax expense [Abstract]
Computed at the statutory rate (21%)	$ 4,772	$ 3,872
Increase (decrease) resulting from
Tax exempt interest	(85)	(91)
BOLI income	(60)	(65)
Stock compensation		(39)
Other	(181)	(182)
Actual tax expense	$ 4,446	$ 3,495

Income Taxes (Details) - Sche_3

Income Taxes (Details) - Schedule of temporary differences related to deferred taxes shown - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets
Allowance for loan losses	$ 2,899	$ 2,641
Net deferred loan fees		298
Unrealized losses on available-for-sale securities	491
Section 475 MTM		645
Accrued bonus	281	375
Other	703	714
Deferred Tax Assets, Gross	4,374	4,673
Deferred tax liabilities
Depreciation	(1,242)	(1,168)
Mortgage servicing rights	(2,546)	(1,668)
Unrealized gains on available-for-sale securities		(587)
Purchase accounting adjustments	(1,619)	(1,628)
Prepaids	(477)	(465)
Net deferred loan costs	(66)
Section 475 MTM	(491)
FHLB stock dividends	(288)	(288)
Deferred Tax Liabilities, Gross	(6,729)	(5,804)
Net deferred tax liability	$ (2,355)	$ (1,131)

Regulatory Matters (Details)

Regulatory Matters (Details)	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Capital conservation percentage	2.50%

Regulatory Matters (Details) -

Regulatory Matters (Details) - Schedule of actual capital amounts and ratios - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Actual Amount [Member]
Regulatory Matters (Details) - Schedule of actual capital amounts and ratios [Line Items]
Tier I Capital to average assets	$ 133,202	$ 119,480
Tier I Common equity capital to risk-weighted assets	133,202	119,480
Tier I Capital to risk-weighted assets	133,202	119,480
Total Risk-based capital to risk-weighted assets	$ 145,165	$ 131,062
Actual Ratio [Member]
Regulatory Matters (Details) - Schedule of actual capital amounts and ratios [Line Items]
Tier I Capital to average assets	10.18%	9.94%
Tier I Common equity capital to risk-weighted assets	13.94%	12.91%
Tier I Capital to risk-weighted assets	13.94%	12.91%
Total Risk-based capital to risk-weighted assets	15.20%	14.16%
For Capital Adequacy Purposes Amount [Member]
Regulatory Matters (Details) - Schedule of actual capital amounts and ratios [Line Items]
Tier I Capital to average assets	$ 52,324	$ 48,099
Tier I Common equity capital to risk-weighted assets	42,986	41,651
Tier I Capital to risk-weighted assets	57,314	55,534
Total Risk-based capital to risk-weighted assets	$ 76,419	$ 74,046
For Capital Adequacy Purposes Ratio [Member]
Regulatory Matters (Details) - Schedule of actual capital amounts and ratios [Line Items]
Tier I Capital to average assets	4.00%	4.00%
Tier I Common equity capital to risk-weighted assets	4.50%	4.50%
Tier I Capital to risk-weighted assets	6.00%	6.00%
Total Risk-based capital to risk-weighted assets	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action Procedures Amount [Member]
Regulatory Matters (Details) - Schedule of actual capital amounts and ratios [Line Items]
Tier I Capital to average assets	$ 65,405	$ 60,123
Tier I Common equity capital to risk-weighted assets	62,090	60,162
Tier I Capital to risk-weighted assets	76,419	74,046
Total Risk-based capital to risk-weighted assets	$ 95,523	$ 92,557
To Be Well Capitalized Under Prompt Corrective Action Procedures Ratio [Member]
Regulatory Matters (Details) - Schedule of actual capital amounts and ratios [Line Items]
Tier I Capital to average assets	5.00%	5.00%
Tier I Common equity capital to risk-weighted assets	6.50%	6.50%
Tier I Capital to risk-weighted assets	8.00%	8.00%
Total Risk-based capital to risk-weighted assets	10.00%	10.00%

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Employee Benefits [Abstract]
Employer matching contribution, percent	100.00%
Maximum employee contribution of compensation received	4.00%
Contribution plan, description	Any discretionary contribution made by the Company is fully vested after three years of credited service.
Employer contributions charged to expense	$ 700	$ 700
Description of supplemental executive retirement plan agreement 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.
Employee stock ownership plan (ESOP), compensation expense for current agreements	$ 300	300
Cash surrender value of all life insurance policies	$ 17,867	$ 17,530
Employee stock ownership plan (ESOP), number of allocated shares (in Shares) (in Shares)	380,450	412,402
Employee stock ownership plan (ESOP), expense	$ 500	$ 200

Share-Based Compensation Plan_2

Share-Based Compensation Plan (Details) - USD ($) $ in Millions	1 Months Ended	12 Months Ended
	Apr. 17, 2017	Dec. 31, 2021	Dec. 31, 2020
Share-Based Compensation Plan (Details) [Line Items]
Option exercised shares (in Shares)			26,950
Total intrinsic value			$ 0.3
Cash received from exercised options			0.2
Total income tax benefit recognized in income statement for share-based compensation arrangements		$ 0.1
Share-based Payment Arrangement [Member]
Share-Based Compensation Plan (Details) [Line Items]
SAR and common restricted stock, shares (in Shares)	500,000
Option awards vesting period		5 years
Option awards contractual terms		10 years
Restricted Stock [Member]
Share-Based Compensation Plan (Details) [Line Items]
Compensation cost charged against income		$ 0.4	0.4
Total income tax benefit recognized in income statement for share-based compensation arrangements			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 29 days

Share-Based Compensation Plan_3

Share-Based Compensation Plan (Details) - Schedule of restricted stock activity under the Company’s LTI Plan - Restricted Stock [Member]	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Share-Based Compensation Plan (Details) - Schedule of restricted stock activity under the Company’s LTI Plan [Line Items]
Nonvested, beginning of year | shares	34,778
Weighted-Average Value per Share, beginning of year | $ / shares	$ 18.52
Granted | shares	35,854
Weighted-Average Value per Share, Granted | $ / shares	$ 18.29
Vested | shares	(23,179)
Weighted-Average Value per Share, Vested | $ / shares	$ 18.39
Forfeited | shares	(6,531)
Weighted-Average Value per Share, Forfeited | $ / shares	$ 18.33
Nonvested, end of year | shares	40,922
Weighted-Average Value per Share, Nonvested, end of year | $ / shares	$ 18.43

Disclosures About Fair Value _3

Disclosures About Fair Value of Assets and Liabilities (Details)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Decrease in constant prepayment rate	9.93%
Maturity days	90 days

Disclosures About Fair Value _4

Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
U.S. Treasury and Government Agencies [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	$ 9,105	$ 6,864
Mortgage-backed securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	228,134	127,761
State and political subdivisions [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	12,879	12,275
Other corporate securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	13,141	2,506
Interest rate contracts - assets [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	3,655	7,962
Interest rate contracts - liabilities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	(3,655)	(7,962)
Forward contracts [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	(32)	(265)
IRLCs [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	22	278
Fair Value, Inputs, Level 1 [Member] | U.S. Treasury and Government Agencies [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 1 [Member] | Mortgage-backed securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 1 [Member] | State and political subdivisions [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 1 [Member] | Other corporate securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 1 [Member] | Interest rate contracts - assets [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 1 [Member] | Interest rate contracts - liabilities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 1 [Member] | Forward contracts [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	(32)	(265)
Fair Value, Inputs, Level 1 [Member] | IRLCs [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 2 [Member] | U.S. Treasury and Government Agencies [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	9,105	6,864
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	228,134	127,761
Fair Value, Inputs, Level 2 [Member] | State and political subdivisions [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	12,879	12,275
Fair Value, Inputs, Level 2 [Member] | Other corporate securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	13,141	2,506
Fair Value, Inputs, Level 2 [Member] | Interest rate contracts - assets [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	3,655	7,962
Fair Value, Inputs, Level 2 [Member] | Interest rate contracts - liabilities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	(3,655)	(7,962)
Fair Value, Inputs, Level 2 [Member] | Forward contracts [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 2 [Member] | IRLCs [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | U.S. Treasury and Government Agencies [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | Mortgage-backed securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | State and political subdivisions [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | Other corporate securities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | Interest rate contracts - assets [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | Interest rate contracts - liabilities [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | Forward contracts [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring
Fair Value, Inputs, Level 3 [Member] | IRLCs [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value, assets measured on recurring basis [Line Items]
Assets, fair value, recurring	$ 22	$ 278

Disclosures About Fair Value _5

Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Impaired loans [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring	$ 464	$ 3,544
Mortgage servicing rights [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring	3,301	7,759
Fair Value, Inputs, Level 1 [Member] | Impaired loans [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring
Fair Value, Inputs, Level 1 [Member] | Mortgage servicing rights [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring
Fair Value, Inputs, Level 2 [Member] | Impaired loans [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring
Fair Value, Inputs, Level 2 [Member] | Mortgage servicing rights [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring
Fair Value, Inputs, Level 3 [Member] | Impaired loans [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring	464	3,544
Fair Value, Inputs, Level 3 [Member] | Mortgage servicing rights [Member]
Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of fair value measurements, nonrecurring [Line Items]
Assets, fair value, nonrecurring	$ 3,301	$ 7,759

Disclosures About Fair Value _6

Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Collateral-dependent impaired loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value	$ 464	$ 3,544
Valuation techniques	Market comparable	Market comparable
Unobservable inputs	Comparability adjustments (%)	Comparability adjustments (%)
Range (weighted-average)	6.4 - 18% (13%)	0 - 43% (22%)
Mortgage servicing rights [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value	$ 3,301	$ 7,759
Valuation techniques	Discounted cash flow	Discounted cash flow
Unobservable inputs	Discount Rate	Discount Rate
Range (weighted-average)	8.65%	8.28%
Constant Prepayment Rate [Member] | Mortgage servicing rights [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable inputs	Constant prepayment rate	Constant prepayment rate
Range (weighted-average)	10.94%	20.87%
P&I earnings credit [Member] | Mortgage servicing rights [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable inputs	P&I earnings credit	P&I earnings credit
Range (weighted-average)	0.10%	0.14%
T and I Earnings Credit [Member] | Mortgage servicing rights [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable inputs	T&I earnings credit	T&I earnings credit
Range (weighted-average)	1.25%	0.24%
Inflation for cost of servicing [Member] | Mortgage servicing rights [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable inputs	Inflation for cost of servicing	Inflation for cost of servicing
Range (weighted-average)	1.50%	1.50%
Loan Closing Rates [Member] | IRLCs [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value	$ 22	$ 278
Valuation techniques	Discounted cash flow	Discounted cash flow
Unobservable inputs	Loan closing rates	Loan closing rates
Loan Closing Rates [Member] | Minimum [Member] | IRLCs [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (weighted-average)	49%	49%
Loan Closing Rates [Member] | Maximum [Member] | IRLCs [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (weighted-average)	99%	100%

Disclosures About Fair Value _7

Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of estimated fair values financial instruments - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets
Cash and due from banks	$ 149,511	$ 140,690
Interest bearing time deposits	2,643	5,823
Loans held for sale	7,472	7,234
Loans, net of allowance for loan losses	808,909	860,149
Federal Reserve and FHLB Bank stock, at cost	5,303	5,303
Interest receivable	2,920	3,799
Financial liabilities
Deposits	1,113,045	1,049,011
Short-term borrowings	15,320	20,189
FHLB advances	5,500	8,000
Trust preferred securities	10,310	10,310
Subordinated debt, net of issuance costs	19,546
Interest payable	299	616
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and due from banks	149,511	140,690
Interest bearing time deposits
Loans held for sale
Loans, net of allowance for loan losses
Federal Reserve and FHLB Bank stock, at cost
Interest receivable
Financial liabilities
Deposits	956,541	819,462
Short-term borrowings
FHLB advances
Trust preferred securities
Subordinated debt, net of issuance costs
Interest payable
Fair Value, Inputs, Level 2 [Member]
Financial assets
Cash and due from banks
Interest bearing time deposits	2,643	5,823
Loans held for sale	7,561	7,508
Loans, net of allowance for loan losses
Federal Reserve and FHLB Bank stock, at cost	5,303	5,303
Interest receivable	2,920	3,799
Financial liabilities
Deposits	156,169	231,096
Short-term borrowings	15,320	20,189
FHLB advances	5,596	8,257
Trust preferred securities	9,067	8,394
Subordinated debt, net of issuance costs	20,581
Interest payable	299	616
Fair Value, Inputs, Level 3 [Member]
Financial assets
Cash and due from banks
Interest bearing time deposits
Loans held for sale
Loans, net of allowance for loan losses	813,766	853,294
Federal Reserve and FHLB Bank stock, at cost
Interest receivable
Financial liabilities
Deposits
Short-term borrowings
FHLB advances
Trust preferred securities
Subordinated debt, net of issuance costs
Interest payable
Fair value [Member]
Financial assets
Cash and due from banks	149,511	140,690
Interest bearing time deposits	2,643	5,823
Loans held for sale	7,561	7,508
Loans, net of allowance for loan losses	813,766	853,294
Federal Reserve and FHLB Bank stock, at cost	5,303	5,303
Interest receivable	2,920	3,799
Financial liabilities
Deposits	1,112,710	1,050,558
Short-term borrowings	15,320	20,189
FHLB advances	5,596	8,257
Trust preferred securities	9,067	8,394
Subordinated debt, net of issuance costs	20,581
Interest payable	$ 299	$ 616

Parent Company Financial Info_3

Parent Company Financial Information (Details) - Schedule of condensed balance sheets - Parent Company [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash & cash equivalents	$ 14,406	$ 2,178
Investment in banking subsidiaries	152,761	143,244
Investment in nonbanking subsidiaries	6,770	5,617
Other assets	2,259	3,229
Total assets	176,196	154,268
Liabilities
Trust preferred securities	10,000	10,000
Sub debt net of issuance cost	19,546
Borrowings from nonbanking subsidiaries	310	310
Other liabilities & accrued interest payable	1,411	1,035
Total liabilities	31,267	11,345
Stockholders’ equity	144,929	142,923
Total liabilities and stockholders’ equity	$ 176,196	$ 154,268

Parent Company Financial Info_4

Parent Company Financial Information (Details) - Schedule of condensed statements of income - Parent Company [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Dividends from subsidiaries:
Banking subsidiaries	$ 5,000	$ 24,025
Nonbanking subsidiaries	500
Total income	5,500	24,025
Expenses
Interest expense	661	256
Other expense	1,478	2,950
Total expenses	2,139	3,206
Income before income tax	3,361	20,819
Income tax benefit	(450)	(712)
Income before equity in undistributed income of subsidiaries	3,811	21,531
Equity in undistributed income of subsidiaries
Banking subsidiaries	13,573	(8,071)
Nonbanking subsidiaries	893	1,484
Total	14,466	(6,587)
Net income	$ 18,277	$ 14,944

Parent Company Financial Info_5

Parent Company Financial Information (Details) - Schedule of condensed statements of comprehensive income - Parent Company [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income	$ 18,277	$ 14,944
Available-for-sale investment securities:
Gross unrealized holding gain (loss) arising in the period	(5,133)	1,963
Related tax (expense) benefit	1,078	(412)
Net effect on other comprehensive income	(4,055)	1,551
Total comprehensive income	$ 14,222	$ 16,495

Parent Company Financial Info_6

Parent Company Financial Information (Details) - Schedule of condensed statements of cash flows - Parent Company [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Operating activities
Net income	$ 18,277	$ 14,944
Items not requiring (providing) cash
Equity in undistributed net income of subsidiaries	(14,466)	6,587
Stock compensation expense	443	382
Other assets	1,811	(2,287)
Other liabilities	376	663
Net cash provided by operating activities	6,441	20,289
Investing activities
Capital contributed to banking subsidiary		(15,520)
Capital contributed to nonbanking subsidiary	(1,100)
Net cash used in investing activities	(1,100)	(15,520)
Financing activities
Dividends on common shares	(3,139)	(3,070)
Proceeds from share-based compensation plans		188
Repurchase of common shares	(9,520)	(7,166)
Proceeds from sub-debt net of issuance cost	19,546
Net cash provided by (used in) financing activities	6,887	(10,048)
Net change in cash and cash equivalents	12,228	(5,279)
Cash and cash equivalents at beginning of year	2,178	7,457
Cash and cash equivalents at end of year	$ 14,406	$ 2,178

Quarterly Financial Informati_3

Quarterly Financial Information (unaudited) (Details) - Schedule of quarterly financial information - Quarter End Adjustment [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020
Quarterly Financial Information (unaudited) (Details) - Schedule of quarterly financial information [Line Items]
Interest income	$ 10,003	$ 11,033	$ 10,163	$ 10,705	$ 10,589	$ 10,807	$ 10,595	$ 10,644
Interest expense	925	1,009	1,006	1,080	1,338	1,548	1,723	2,096
Net interest income	9,078	10,024	9,157	9,625	9,251	9,259	8,872	8,548
Provision for loan losses		300		750	800	1,800	1,300	600
Noninterest income	6,589	6,649	6,537	10,922	8,902	10,418	8,615	2,161
Noninterest expense	11,567	11,256	11,076	10,909	10,684	11,335	11,662	9,406
Income tax expense	768	1,014	857	1,807	1,311	1,292	870	22
Net income	$ 3,332	$ 4,103	$ 3,761	$ 7,081	$ 5,358	$ 5,250	$ 3,655	$ 681
Basic earnings per common share (in Dollars per share)	$ 0.49	$ 0.59	$ 0.53	$ 0.97	$ 0.71	$ 0.69	$ 0.47	$ 0.09
Diluted earnings per common share (in Dollars per share)	0.49	0.58	0.52	0.97	0.71	0.69	0.47	0.09
Dividends per share (in Dollars per share)	$ 0.115	$ 0.11	$ 0.11	$ 0.105	$ 0.105	$ 0.1	$ 0.1	$ 0.095