National Bankshares (NKSH) 10-K 18 Mar 21 2020 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Mar. 08, 2021	Jun. 30, 2020
Document Information [Line Items]
Entity Central Index Key	0000796534
Entity Registrant Name	NATIONAL BANKSHARES INC
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2020
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2020
Document Transition Report	false
Entity File Number	0-15204
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1375874
Entity Address, Address Line One	101 Hubbard Street
Entity Address, City or Town	Blacksburg
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	24062-9002
City Area Code	540
Local Phone Number	951-6300
Title of 12(b) Security	Common Stock, par value $1.25 per share
Trading Symbol	NKSH
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 185,601,816
Entity Common Stock, Shares Outstanding		6,388,120

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 13,147	$ 10,290
Interest-bearing deposits	120,725	76,881
Securities available for sale, at fair value	546,742	435,263
Restricted stock	1,279	1,220
Mortgage loans held for sale	866	905
Loans:
Gross loans	770,027	734,027
Less unearned income and deferred fees and costs	(1,228)	(576)
Loans, net of unearned income and deferred fees and costs	768,799	733,451
Less allowance for loan losses	(8,481)	(6,863)
Loans, net	760,318	726,588
Premises and equipment, net	10,035	8,919
Accrued interest receivable	5,028	4,285
Other real estate owned, net	1,553	1,612
Goodwill	5,848	5,848
Bank-owned life insurance (BOLI)	36,444	35,567
Other assets	17,688	14,459
Total assets	1,519,673	1,321,837
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	276,793	201,866
Interest-bearing demand deposits	763,293	643,482
Savings deposits	167,475	146,377
Time deposits	89,582	128,028
Total deposits	1,297,143	1,119,753
Accrued interest payable	56	144
Other liabilities	21,867	18,214
Total liabilities	1,319,066	1,138,111
Commitments and contingencies
Stockholders’ equity:
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding	0	0
Common stock, $1.25 par value. Authorized 10,000,000 shares; issued and outstanding, 6,432,020 shares in 2020 and 6,489,574 in 2019	8,040	8,112
Retained earnings	189,547	184,120
Accumulated other comprehensive income (loss), net	3,020	(8,506)
Total stockholders’ equity	200,607	183,726
Total liabilities and stockholders’ equity	1,519,673	1,321,837
Real Estate Construction Portfolio Segment[Member]
Loans:
Gross loans	42,266	42,303
Less allowance for loan losses	(503)	(400)
Consumer Real Estate Portfolio Segment [Member]
Loans:
Gross loans	181,782	181,472
Less allowance for loan losses	(2,165)	(1,895)
Commercial Real Estate Portfolio Segment [Member]
Loans:
Gross loans	393,115	365,373
Less allowance for loan losses	(3,853)	(2,559)
Commercial Non Real Estate Segment [Member]
Loans:
Gross loans	78,771	46,576
Less allowance for loan losses	(670)	(555)
Public Sector and IDA Portfolio Segment[Member]
Loans:
Gross loans	40,983	63,764
Less allowance for loan losses	(339)	(478)
Consumer Non Real Estate Portfolio Segment [Member]
Loans:
Gross loans	33,110	34,539
Less allowance for loan losses	$ (555)	$ (650)

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Dec. 31, 2020	Dec. 31, 2019
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1.25	$ 1.25
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	6,432,020	6,489,574
Common stock, shares outstanding (in shares)	6,432,020	6,489,574

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest Income
Interest and fees on loans	$ 34,523	$ 33,869	$ 31,333
Interest on interest-bearing deposits	276	1,523	672
Interest and dividends on securities – taxable	7,383	6,725	6,856
Interest on securities – nontaxable	1,826	3,030	4,363
Total interest income	(44,008)	(45,147)	(43,224)
Interest Expense
Interest on deposits	5,837	7,380	4,883
Interest on borrowings			164
Total interest expense	(5,837)	(7,380)	(5,047)
Net interest income	38,171	37,767	38,177
Provision for (recovery of) loan losses	1,991	126	(81)
Net interest income after provision for (recovery of) loan losses	36,180	37,641	38,258
Noninterest Income:
Noninterest Income	5,654	6,154	6,266
BOLI income	877	910	901
Gain on sale of mortgage loans	676	297	199
Other income	1,093	1,346	806
Realized securities gains, net	108	566	17
Total noninterest income	7,944	8,790	7,729
Noninterest Expense
Salaries and employee benefits	14,674	14,920	14,506
Occupancy, furniture and fixtures	1,795	1,866	1,845
Data processing and ATM	3,088	3,171	2,784
FDIC assessment	198	167	359
Intangible assets amortization			50
Net costs of other real estate owned	39	47	553
Franchise taxes	1,340	1,333	1,278
Write-down of insurance receivable			2,010
Other operating expenses	3,836	4,250	3,891
Total noninterest expense	24,970	25,754	27,276
Income before income taxes	19,154	20,677	18,711
Income tax expense	3,077	3,211	2,560
Net income	$ 16,077	$ 17,466	$ 16,151
Basic net income per common share (in dollars per share)	$ 2.48	$ 2.65	$ 2.32
Fully diluted net income per common share (in dollars per share)	$ 2.48	$ 2.65	$ 2.32
Deposit Account [Member]
Noninterest Income:
Noninterest Income	$ 1,966	$ 2,453	$ 2,678
Product and Service, Other [Member]
Noninterest Income:
Noninterest Income	162	198	132
Credit and Debit Card [Member]
Noninterest Income:
Noninterest Income	1,400	1,398	1,431
Fiduciary and Trust [Member]
Noninterest Income:
Noninterest Income	$ 1,662	$ 1,622	$ 1,565

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Net Income	$ 16,077	$ 17,466	$ 16,151
Other Comprehensive Income (Loss), Net of Tax
Unrealized holding gain (loss) on available for sale securities net of tax of $3,502 in 2020, $1,486 in 2019 and ($595) in 2018	13,176	5,595	(2,246)
Reclassification adjustment for gain included in net income, net of tax of ($23) in 2020, ($119) in 2019 and ($4) in 2018	(85)	(447)	(13)
Transfer from held to maturity to available for sale securities, net of tax of $237 in 2018			891
Net pension loss arising during the period, net of tax of ($393) in 2020, ($394) in 2019 and ($249) in 2018	(1,478)	(1,482)	(936)
Less amortization of prior service cost included in net periodic pension cost, net of tax of ($23) in 2020, ($23) in 2019 and ($24) in 2018	(87)	(87)	(86)
Other comprehensive income (loss), net of tax of $3,063 in 2020, $950 in 2018 and ($635) in 2018	11,526	3,579	(2,390)
Total Comprehensive Income	$ 27,603	$ 21,045	$ 13,761

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Unrealized holding gain (loss) on available for sale securities, tax	$ 3,502	$ 1,486	$ (595)
Reclassification adjustment for gain included in net income, tax	(23)	(119)	(4)
Transfer from held to maturity to available for sale securities, tax			237
Net pension gain (losses) arising during the period, tax	(393)	(394)	(249)
Amortization of prior service cost included in net periodic pension cost, tax	(23)	(23)	(24)
Other comprehensive income (loss), tax	$ 3,063	$ 950	$ (635)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2017	$ 8,698	$ 185,893	$ (9,695)	$ 184,896
Net income		16,151		16,151
Other comprehensive income (loss), net of tax			(2,390)	(2,390)
Cash dividend		(8,419)		(8,419)
Balance at Dec. 31, 2018	8,698	193,625	(12,085)	190,238
Net income		17,466		17,466
Other comprehensive income (loss), net of tax			3,579	3,579
Cash dividend		(9,032)		(9,032)
Stock repurchase (468,400 shares)	(586)	(17,939)		(18,525)
Balance at Dec. 31, 2019	8,112	184,120	(8,506)	183,726
Net income		16,077		16,077
Other comprehensive income (loss), net of tax			11,526	11,526
Cash dividend		(9,000)		(9,000)
Stock repurchase (468,400 shares)	(72)	(1,650)		(1,722)
Balance at Dec. 31, 2020	$ 8,040	$ 189,547	$ 3,020	$ 200,607

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other comprehensive income (loss), tax	$ 3,063	$ 950	$ (635)
Cash dividend, per share (in dollars per share)	$ 1.39	$ 1.39	$ 1.21
Stock repurchase, shares (in shares)	57,554	468,400

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities
Net income	$ 16,077	$ 17,466	$ 16,151
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for (recovery of) loan losses	1,991	126	(81)
Deferred income tax expense (benefit)	282	529	(382)
Depreciation of premises and equipment	708	739	766
Amortization of intangibles			50
Amortization of premiums and accretion of discounts, net	1,455	212	58
Loss (gain) on disposal of fixed assets	(2)	5
Gain on calls and sales of securities available for sale, net	(108)	(566)	(17)
Loss (gain) and write-down on other real estate owned	(13)	5	489
Loss on sale of repossessed assets	1	4	8
Income on investment in BOLI	(877)	(910)	(901)
Gain on sale of mortgage loans held for sale	(676)	(297)	(199)
Origination of mortgage loans held for sale	(39,647)	(21,032)	(12,626)
Sale of mortgage loans held for sale	40,362	20,496	13,013
Contribution to defined benefit plan	(5,000)
Net change in:
Accrued interest receivable	(743)	875	137
Other assets	(132)	(1,340)	2,899
Accrued interest payable	(88)	55	27
Other liabilities	203	2,465	404
Net cash provided by operating activities	13,793	18,832	19,796
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(43,844)	(33,390)	7,742
Proceeds from repayments of mortgage-backed securities	18,068	1,089	224
Proceeds from calls, sales and maturities of securities available for sale	126,840	348,032	50,438
Proceeds from calls and maturities of securities held to maturity			6,430
Purchases of securities available for sale	(241,164)	(352,505)	(25,323)
Net change in restricted stock	(59)		(20)
Purchases of loan participations	(11,404)	(673)	(7,853)
Collections of loan participations	207	4,262	970
Loan originations and principal collections, net	(24,875)	(28,388)	(35,591)
Proceeds from disposal of other real estate owned	72	591	276
Proceeds from disposal of repossessed assets	30	53	34
Recoveries on loans charged off	347	267	235
Additions to premises and equipment	(1,824)	(1,032)	(1,191)
Proceeds from sale of premises and equipment	2	16
Net cash used in investing activities	(177,604)	(61,678)	(3,629)
Cash Flows from Financing Activities
Net change in time deposits	(38,446)	26,229	(13,085)
Net change in other deposits	215,836	41,582	5,293
Cash dividends paid	(9,000)	(9,032)	(8,419)
Shares repurchased	(1,722)	(18,525)
Net cash provided by (used in) financing activities	166,668	40,254	(16,211)
Net change in cash and due from banks	2,857	(2,592)	(44)
Cash and due from banks at beginning of year	10,290	12,882	12,926
Cash and due from banks at end of year	13,147	10,290	12,882
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowed funds	5,925	7,325	5,020
Income taxes paid	3,860	2,544	1,778
Supplemental Disclosures of Noncash Activities
Loans charged against the allowance for loan losses	720	920	689
Loans transferred to other real estate owned		156
Loans transferred to repossessed assets	4	71	55
Unrealized gain (loss) on securities available for sale	16,570	6,515	(2,858)
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax			1,128
Fair value of securities transferred from held to maturity to available for sale			119,790
Minimum pension liability adjustment	(1,981)	(1,986)	$ (1,295)
Increase in operating lease right-of-use asset during the period	24	1,837
Increase in operating lease liability during the period	$ 24	$ 1,837

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Note 1: The consolidated financial statements include the accounts of National Bankshares, Inc. and its wholly-owned subsidiaries, the National Bank of Blacksburg, and National Bankshares Financial Services, Inc. All intercompany balances and transactions have been eliminated in consolidation. The accounting and reporting policies of the Company conform to GAAP and to general practices within the banking industry. The following is a summary of significant accounting policies. Subsequent events have been considered through the date of this Form 10 Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks. Interest-Bearing Deposits The Company invests over-night funds in interest-bearing deposits at other banks, including the FHLB, the Federal Reserve and other entities. Interest-bearing deposits are carried at cost. Securities Certain debt securities that management has the positive intent and ability to hold to maturity may not During 2018, The Company follows the accounting guidance related to recognition and presentation of OTTI. The guidance specifies that if (a) an entity does not not not not Equity securities with readily-determinable fair values are measured at fair value using the “exit price notion”. Changes in fair value are recognized in net income. Equity securities without readily-determinable fair values are recorded as other assets at cost less impairment, if any, and adjusted for changes resulting from observable price changes in orderly transactions for identical or similar investment of the same issuer. Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value on an individual loan basis. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. The Company releases mortgage servicing rights when loans are sold on the secondary market. Loans The Company, through its banking subsidiary, provides mortgage, commercial, and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans, particularly commercial mortgages. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the Company’s market area. The Company’s loans are grouped into six Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may not may The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, and local housing market trends and interest rates. Risks specific to a borrower are determined by previous repayment history, loan-to-value ratios and debt-to-income ratios. Commercial real estate includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment rates and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non-real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non-real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, interest rates, borrower repayment ability and collateral value (if secured). Public sector and IDA loans are extended to municipalities and related entities. Credit risk stems from the entity’s ability to repay through either a direct obligation or assignment of specific revenues from an enterprise or other economic activity, and interest rate trends. Consumer non-real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay. If the loan is secured, the company analyzes loan-to-value ratios. All consumer non-real estate loans are analyzed for debt-to-income ratios and previous credit history, as well as for general risks for the portfolio, including local unemployment rates, personal bankruptcy rates and interest rates. Risks from delinquency trends and characteristics such as second Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses, any purchase premium or discount, unearned income and deferred fees or costs. Interest income is accrued on the unpaid principal balance. Unearned income on dealer-originated loans and loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Purchase premium or discount is recognized as an adjustment of the related loan yield using the interest method. The Company considers multiple factors when determining whether to discontinue accrual of interest on individual loans. Generally loans are placed in nonaccrual status when collection of interest and/or full principal is considered doubtful. Interest accrual is discontinued at the time a commercial real estate loan or commercial non-real estate loan is 90 days delinquent unless the credit is well secured and in the process of collection. Loans within all loan classes that are not six may All interest accrued but not not may six A loan is considered past due when a payment of principal and/or interest is due but not not 30 not not 30 89 90 Allowance for Loan Losses The allowance for loan losses represents management’s estimate of probable losses inherent in the Company’s loan portfolio. A provision for estimated losses is charged to earnings to establish and maintain the allowance for loan losses at a level reflective of the estimated credit risk. When management determines that a loan balance or portion of a loan balance is not Management evaluates the allowance each quarter through a methodology that estimates losses on individual impaired loans and evaluates the effect of numerous factors on the credit risk of groups of homogeneous loans. Specific allowances are established for individually-evaluated impaired loans based on the excess of the loan balance relative to the fair value of the loan. Impaired loans are designated as such when current information indicates that it is probable that the Company will be unable to collect principal or interest when due according to the contractual terms of the loan agreement. Loan relationships exceeding $250 in nonaccrual status or that are significantly past due, or for which a credit review identified weaknesses that indicate principal and interest will not Fair value of impaired loans is estimated in one three 1 2 3 General allowances are established for collectively evaluated loans. Collectively evaluated loans are grouped into classes based on similar characteristics. Factors considered in determining general allowances include net charge-off trends, internal risk ratings, delinquency and nonperforming rates, product mix, underwriting practices, industry trends and economic trends. The Company’s charge-off policy meets or is more stringent than the minimum standards required by regulators. When available information confirms that a specific loan or a portion thereof, within any loan class, is uncollectible the amount is charged off against the allowance for loan losses. Additionally, losses on consumer real estate and consumer non-real estate loans are typically charged off no may may Troubled Debt Restructurings In situations where, for economic or legal reasons related to a borrower’s financial condition, management grants a concession to the borrower that it would not may may one Rate Lock Commitments The Company enters into commitments to originate mortgage loans in which the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 to 60 days. The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, by committing to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. As a result, the Company is not The market value of rate lock commitments and best efforts contracts is not not no Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is charged to expense over the estimated useful lives of the assets on the straight-line basis. Depreciable lives include 40 years for premises, 3-10 years for furniture and equipment, and 3 years for computer software. Costs of maintenance and repairs are charged to expense as incurred and improvements are capitalized. Other Real Estate Owned Real estate acquired through or in lieu of foreclosure is held for sale and is initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing the cost basis of the asset. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other operating expenses. Goodwill The Company records as goodwill the excess of purchase price over the fair value of the identifiable net assets acquired. Goodwill is subject to at least an annual assessment for impairment by applying a fair value based test. The Company performs its annual analysis as of September 30 September 30, 2020. The Company’s goodwill impairment analysis considered three first second third no second third Based upon data at September 30, 2020, second third September 30, 2020, fourth 2020. December 31, 2020 September 30, 2020 two not For the years ended December 31, 2019 2018, no The Company’s intangible assets became fully amortized during 2018. Pension Plan The Company recognizes the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and recognizes changes in that funded status in the year in which the changes occur through comprehensive income. The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation. Income Taxes Income tax accounting guidance results in two Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, not 50 not 50 not not not not The Company recognizes interest and penalties on income taxes as a component of income tax expense. Trust Assets and Income Assets (other than cash deposits) held by NBB’s Trust Department in a fiduciary or agency capacity for customers are not not Earnings Per Common Share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. The following shows the weighted average number of shares used in computing earnings per common share for the years indicated. 2020 2019 2018 Average number of common shares outstanding 6,483,230 6,580,659 6,957,974 As of December 31, 2020 December 31, 2019, Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and reasonably estimated. Management does not Advertising The Company charges advertising costs to expenses as incurred. Advertising expenses were $99 for the year ended December 31, 2020, December 2019 December 31, 2018. Revenue Recognition The Company accounts for revenue associated with financial instruments, including loans and securities via the accrual method. The Company recognizes noninterest income when it satisfies commitments to customers. Please refer to Note 18: Use of Estimates In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of OREO, evaluation of impairment of goodwill, and pension obligations. Changing economic conditions, adverse economic prospects for borrowers, as well as regulatory agency action as a result of examination, could cause NBB to recognize additions to the allowance for loan losses and may Reclassifications Certain amounts reported in prior years have been reclassified to conform to the current year’s presentation. These reclassifications had no Recent Accounting Pronouncements In June 2016, No. 2016 13, 326 2016 13 326, 2019 04, 2019 05, 2019 10, 2019 11, 2020 02, 2020 03. not December 15, 2022. 2016 13 2016 13 Effective November 25, 2019, 119. 119 326, 1 2 3 4 In December 2019, 2019 12, 740 740 December 15, 2020, 2019 12 On March 12, 2020, April 27, 2020. first 404 $75 $700 second $700 $100 no $100 10 not $1.0 not In August 2018, 2018 14, 715 20 715 20 50 3, December 15, 2020. not 2018 14 Recently Adopted Accounting Developments In January 2017, 2017 04, 350 2017 04” 2017 04 first two 2, 2017 04 January 1, 2020. 2017 04 not In August 2018, 2018 13, 820 2018 13” 2018 13 3 may 3 820 2018 13 January 1, 2020. 2018 13 not In March 2020 ( April 2020), 19. 310 40, 310 40” not 19 not six 30 August 2020, 4013 March 27, 2020 December 21, 2020, first 19 4013 5: 7. Risks and Uncertainties The outbreak of COVID- 19 19 not The Congress of the United States, along with the President of the United States and the Federal Reserve have taken historic actions. Most notably, the CARES Act was signed into law at the end of March 2020 $2 The Company’s business is dependent upon the willingness and ability of its employees and customers to conduct banking and other financial transactions. If the global response to contain COVID- 19 not 19 Financial position and results of operations The Company’s fee income has been negatively impacted during 2020 may may 19 The Company’s interest income has declined during 2020 may March 2020. In keeping with guidance from regulators, the Company has actively worked with COVID- 19 not may Capital and Liquidity While the Company believes that it has sufficient capital to withstand an extended economic recession brought about by COVID- 19, The Company maintains access to multiple sources of liquidity. Wholesale funding markets are currently available to the Company. If the uncertainty caused by the COVID- 19 Asset valuation Currently, the Company does not 19 not The Company tests goodwill for impairment annually, usually during the fourth September 30 three first second third The COVID- 19 March 31, 2020 June 30, 2020. third September 30, 2020 fourth 2020. If in the future the pandemic or other adverse events cause a sustained decline in the Company’s stock price or the occurrence of what management deems to be a triggering event, under certain circumstances prescribed by GAAP, the Company will perform goodwill impairment testing as needed, which may Processes, controls and business continuity plan In response to the pandemic, the Company deployed its business continuity plan, including a remote working strategy for certain employees. The Company does not No not 19. not Lending operations and accommodations to borrowers In keeping with regulatory guidance to work with borrowers during this unprecedented situation and as outlined in the CARES Act, the Company has provided modifications for its borrowers who are adversely affected by the pandemic. Depending on the demonstrated need of the borrower, the Company has provided payment extensions, granted periods of interest only payments to otherwise amortizing loans, and interest rate reductions. As of December 31, 2020, 19 March 2020 April 2020, not 90 With the passage of the PPP, administered by the SBA, the Company is actively participating in assisting its customers through the program. Most of the PPP loans the Company made have a two 1%. second five two five December 31, 2020, Credit The Company is working with customers directly affected by COVID- 19, 19 19

Note 2 - Restriction on Cash

Note 2 - Restriction on Cash	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Cash and Cash Equivalents Disclosure [Text Block]	Note 2 : Restriction on Cash The Company’s subsidiary bank is a member of the Federal Reserve System. The Federal Reserve does not

Note 3 - Securities

Note 3 - Securities	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 3 : Securities The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, as of the dates indicated, follows: December 31, 2020 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 86,859 $ 4,477 $ 173 $ 91,163 States and political subdivisions 196,435 7,778 252 203,961 Mortgage-backed securities 244,780 4,473 78 249,175 Corporate debt securities 2,001 442 - 2,443 Total securities available for sale $ 530,075 $ 17,170 $ 503 $ 546,742 December 31, 2019 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 119,903 $ 1,995 $ 775 $ 121,123 States and political subdivisions 88,092 791 644 88,239 Mortgage-backed securities 223,173 45 1,435 221,783 Corporate debt securities 3,998 120 - 4,118 Total securities available for sale $ 435,166 $ 2,951 $ 2,854 $ 435,263 The amortized cost and fair value of single maturity securities available for sale at December 31, 2020, may may December 31, 2020. December 31, 20 20 Available for sale: Amortized Cost Fair Value Due in one year or less $ 4,002 $ 4,048 Due after one year through five years 5,605 5,787 Due after five years through ten years 141,804 146,716 Due after ten years 378,664 390,191 Total securities available for sale $ 530,075 $ 546,742 Information pertaining to securities with gross unrealized losses at December 31, 2020 2019 December 31, 2020 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. Government agencies and corporations $ 28,798 $ 173 $ - $ - State and political subdivisions 32,353 249 635 3 Mortgage-backed securities 8,816 76 4,060 2 Total temporarily impaired securities $ 69,967 $ 498 $ 4,695 $ 5 December 31, 2019 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. Government agencies and corporations $ 53,244 $ 738 $ 38,962 $ 37 State and political subdivisions 35,934 596 591 48 Mortgage-backed securities 181,279 1,435 - - Total temporarily impaired securities $ 270,457 $ 2,769 $ 39,553 $ 85 The Company had 62 securities with a fair value of $74,662 that were temporarily impaired at December 31, 2020. 12 December 31, 2020 States and political subdivisions. not not not not may not Mortgage-backed securities. not not may not Restricted Stock The Company holds restricted stock of $1,279 as of December 31, 2020 December 31, 2019. not Redemption of FHLB stock is subject to certain limitations and conditions. At its discretion, the FHLB may December 31, 2020. December 31, 2020, not Management regularly monitors the credit quality of the investment portfolio. Changes in ratings are noted and follow-up research on the issuer is undertaken when warranted. Management intends to carefully monitor any changes in bond quality. Pledged Securities At December 31, 2020 2019, Realized Securities Gains and Losses During 2020, 2019, 2018, one For the year ended December 31, 2020 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 126,840 $ 126,732 $ 110 $ 2 $ 108 For the year ended December 31, 201 9 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 348,032 $ 347,466 $ 1,157 $ 591 $ 566 For the year ended December 31, 201 8 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 17,287 $ 17,270 $ 17 $ - $ 17 Held to maturity 6,430 6,430 - - - Prior to the second 2018, second 2018,

Note 4 - Related Party Transact

Note 4 - Related Party Transactions	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	Note 4 : Related Party Transactions In the ordinary course of business, the Company, through its banking subsidiary, has granted loans to related parties, including executive officers and directors of NBI and its subsidiaries. Total funded credit extended to related parties amounted to $15,519 at December 31, 2020 December 31, 2019. 2020, 2019, The Company held $16,140 in deposits for related parties as of December 31, 2020 December 31, 2019. The Company leases to a director a small office space. The lease payments totaled $5 in 2020 2019. 2020 2019.

Note 5 - Allowance for Loan Los

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	Note 5: The allowance for loan losses methodology incorporates individual evaluation of impaired loans and collective evaluation of groups of non-impaired loans. The Company performs ongoing analysis of the loan portfolio to determine credit quality and to identify impaired loans. Credit quality is rated based on the loan’s payment history, the borrower’s current financial situation and value of the underlying collateral. Impaired Loans Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts will not not not six may 1: TDRs impact the estimation of the appropriate level of the allowance for loan losses. If the restructuring included forgiveness of a portion of principal or accrued interest, the charge-off is included in the historical charge-off rates applied to the collective evaluation methodology. Restructured loans are individually evaluated for impairment, and the amount of a restructured loan’s book value in excess of its fair value is accrued as a specific allocation in the allowance for loan losses. If a TDR loan payment exceeds 90 not may Collectively Evaluated Loans The Company evaluated characteristics in the loan portfolio and determined major segments and smaller classes within each segment. These characteristics include collateral type, repayment sources, and (if applicable) the borrower’s business model. The methodology for calculating reserves for collectively evaluated loans is applied at the class level. Portfolio Segments and Classes The segments and classes used in determining the allowance for loan losses are as follows. Real Estate Construction Commercial Non-Real Estate Construction, residential Commercial and Industrial Construction, other Public Sector and IDA Consumer Real Estate State and political subdivisions Equity lines Residential closed-end first Consumer Non-Real Estate Residential closed-end junior liens Credit cards Investor-owned residential real estate Automobile Other consumer loans Commercial Real Estate Multifamily real estate Commercial real estate, owner-occupied Commercial real estate, other Historical Loss Rates The Company’s allowance methodology for collectively evaluated loans applies historical loss rates by class to current class balances as part of the process of determining required reserves. Class loss rates are calculated as the net charge-offs for the class as a percentage of average class balance. The Company averages loss rates for the most recent eight Two loss rates for each class are calculated: total net charge-offs for the class as a percentage of average class loan balance (“class loss rate”), and total net charge-offs for the class as a percentage of average classified loans in the class (“classified loss rate”). Classified loans are those with risk ratings of “substandard” or lower. Net charge-offs in both calculations include charge-offs and recoveries of classified and non-classified loans as well as those associated with impaired loans. Class historical loss rates are applied to non-classified loan balances at the reporting date, and classified historical loss rates are applied to classified balances at the reporting date. Risk Factors In addition to historical loss rates, risk factors pertinent to credit risk for each class are analyzed to estimate reserves for collectively evaluated loans. Factors include changes in national and local economic and business conditions, the nature and volume of classes within the portfolio, loan quality, loan officers’ experience, lending policies and the Company’s loan review system. The analysis of certain factors results in standard allocations to all segments and classes. These factors include the risk from changes in lending policies, loan officers’ average years of experience, and economic factors including unemployment levels, bankruptcy rates, interest rate environment, and competition/legal/regulatory environments. Also applied to all segments and classes is an economic factor implemented to address COVID- 19 not Factors analyzed for each class, with resultant allocations based upon the level of risk assessed for each class, include the risk from changes in loan review, levels of past due loans, levels of nonaccrual loans, current class balance as a percentage of total loans, and the percentage of high risk loans within the class. The Company analyzes housing data for its impact to affected classes. During the fourth 2020, 1: Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, local housing market trends, and interest rates. The commercial real estate segment includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non-real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non-real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, and interest rates. Included in this segment are the SBA-guaranteed PPP loans, which are assumed to not Public sector and IDA loans are extended to municipalities and related entities. Credit risk is based upon the entity’s ability to repay and interest rate trends. Consumer non-real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay, measured by average unemployment, average personal bankruptcy rates and interest rates. Factor allocations applied to each class are increased for loans rated special mention and increased to a greater extent for loans rated classified. The Company allocates additional reserves for “high risk” loans. High risk loans include junior liens, interest only and high loan to value loans. A detailed analysis showing the allowance roll-forward by portfolio segment and related loan balance by segment follows: Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2020 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Balance, December 31, 2019 $ 400 $ 1,895 $ 2,559 $ 555 $ 478 $ 650 $ 326 $ 6,863 Charge-offs - (85 ) (15 ) (372 ) - (248 ) - (720 ) Recoveries - 18 145 9 - 175 - 347 Provision for (recovery of) loan losses 103 337 1,164 478 (139 ) (22 ) 70 1,991 Balance, December 31, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 201 9 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Balance, December 31, 2018 $ 398 $ 2,049 $ 2,798 $ 602 $ 583 $ 750 $ 210 $ 7,390 Charge-offs - (192 ) (150 ) (47 ) - (531 ) - (920 ) Recoveries - - 49 1 - 217 - 267 Provision for (recovery of) loan losses 2 38 (138 ) (1 ) (105 ) 214 116 126 Balance, December 31, 2019 $ 400 $ 1,895 $ 2,559 $ 555 $ 478 $ 650 $ 326 $ 6,863 Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2018 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Balance, December 31, 2017 $ 337 $ 2,027 $ 3,044 $ 1,072 $ 419 $ 707 $ 319 $ 7,925 Charge-offs - (38 ) - (107 ) - (544 ) - (689 ) Recoveries - 3 49 22 - 161 - 235 Provision for (recovery of) loan losses 61 57 (295 ) (385 ) 164 426 (109 ) (81 ) Balance, December 31, 2018 $ 398 $ 2,049 $ 2,798 $ 602 $ 583 $ 750 $ 210 $ 7,390 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2020 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 2 $ - $ 73 $ - $ - $ - $ 75 Collectively evaluated loans 503 2,163 3,853 597 339 555 396 8,406 Total $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Loans by Segment and Evaluation Method as of December 31, 2020 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 194 $ 3,856 $ 851 $ - $ 2 $ - $ 4,903 Collectively evaluated loans 42,266 181,588 389,259 77,920 40,983 33,108 - 765,124 Total $ 42,266 $ 181,782 $ 393,115 $ 78,771 $ 40,983 $ 33,110 $ - $ 770,027 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 201 9 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 2 $ - $ 108 $ - $ - $ - $ 110 Collectively evaluated loans 400 1,893 2,559 447 478 650 326 6,753 Total $ 400 $ 1,895 $ 2,559 $ 555 $ 478 $ 650 $ 326 $ 6,863 Loans by Segment and Evaluation Method as of December 31, 201 9 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 759 $ 3,608 $ 918 $ - $ 4 $ - $ 5,289 Collectively evaluated loans 42,303 180,713 361,765 45,658 63,764 34,535 - 728,738 Total $ 42,303 $ 181,472 $ 365,373 $ 46,576 $ 63,764 $ 34,539 $ - $ 734,027 A summary of ratios for the allowance for loan losses follows: December 31, 2020 2019 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs (1) 1.10 % 0.94 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.05 % 0.09 % ( 1 December 31, 2020 not The Company currently has $110 in residential real estate OREO. As of December 31, 2020, A summary of nonperforming assets, as of the dates indicated, follows: December 31, 2020 2019 Nonperforming assets: Nonaccrual loans $ 846 $ 164 Restructured loans in nonaccrual 2,839 3,211 Total nonperforming loans 3,685 3,375 Other real estate owned, net 1,553 1,612 Total nonperforming assets $ 5,238 $ 4,987 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 0.68 % 0.68 % Ratio of allowance for loan losses to nonperforming loans (1) 230.15 % 203.35 % ( 1 The Company defines nonperforming loans as total nonaccrual and restructured loans that are nonaccrual. Loans 90 A summary of loans past due 90 December 31, 2020 2019 Loans past due 90 days or more and still accruing $ 17 $ 231 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.00 % 0.03 % Accruing restructured loans $ 1,410 $ 1,729 Impaired loans: Impaired loans with no valuation allowance $ 3,858 $ 4,174 Impaired loans with a valuation allowance 1,045 1,115 Total impaired loans $ 4,903 $ 5,289 Valuation allowance $ (75 ) $ (110 ) Impaired loans, net of allowance $ 4,828 $ 5,179 Average recorded investment in impaired loans (1) $ 5,093 $ 5,359 Income recognized on impaired loans, after designation as impaired $ 54 $ 171 Amount of income recognized on a cash basis $ - $ - ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. No interest income was recognized on nonaccrual loans for the years ended December 31, 2020, 2019 2018. A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, by loan class follows: Impaired Loans as of December 31, 2020 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) in (A) for Which There is No Related Allowance Recorded Investment (1) in (A) for Which There is a Related Allowance Related Allowance Consumer Real Estate (2) Investor-owned residential real estate $ 194 $ 194 $ - $ 194 $ 2 Commercial Real Estate (2) Commercial real estate, owner occupied 3,752 3,202 3,202 - - Commercial real estate, other 654 654 654 - - Commercial Non - Real Estate (2) Commercial and Industrial 851 851 - 851 73 Consumer Non - Real Estate (2) Automobile 2 2 2 - - Total $ 5,453 $ 4,903 $ 3,858 $ 1,045 $ 75 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. ( 2 Only classes with impaired loans are shown. Impaired Loans as of December 31, 2019 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) in (A) for Which There is No Related Allowance Recorded Investment (1) in (A) for Which There is a Related Allowance Related Allowance Consumer Real Estate (2) Residential equity lines $ 100 $ 100 $ 100 $ - $ - Residential closed-end first liens 221 221 221 - - Investor-owned residential real estate 441 438 241 197 2 Commercial Real Estate (2) Multifamily real estate 278 278 278 - - Commercial real estate, owner occupied 929 895 895 - - Commercial real estate, other 2,867 2,435 2,435 - - Commercial Non - Real Estate (2) Commercial and Industrial 917 918 - 918 108 Consumer Non - Real Estate (2) Automobile 4 4 4 - - Total $ 5,757 $ 5,289 $ 4,174 $ 1,115 $ 110 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. ( 2 Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2020 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Investor-owned residential real estate $ 196 $ 13 Commercial Real Estate (2) Commercial real estate, owner occupied 3,217 19 Commercial real estate, other 790 - Commercial Non -Real Estate (2) Commercial and Industrial 887 22 Consumer Non -Real Estate (2) Automobile 3 - Total $ 5,093 $ 54 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. ( 2 Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2019 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential equity lines $ 98 $ 6 Residential closed-end first liens 225 11 Investor-owned residential real estate 439 17 Commercial Real Estate (2) Multifamily real estate 284 12 Commercial real estate, owner occupied 913 41 Commercial real estate, other 2,435 59 Commercial Non -Real Estate (2) Commercial and Industrial 962 25 Consumer Non -Real Estate (2) Automobile 3 - Total $ 5,359 $ 171 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. ( 2 Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2018 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential closed-end first liens $ 1,202 $ 41 Residential closed-end junior liens 159 9 Investor-owned residential real estate 808 23 Commercial Real Estate (2) Multifamily real estate 491 20 Commercial real estate, owner occupied 3,038 75 Commercial real estate, other 2,744 54 Commercial Non - Real Estate (2) Commercial and Industrial 1,326 27 Consumer Non -Real Estate (2) Automobile 20 1 Total $ 9,788 $ 250 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. ( 2 Only classes with impaired loans are shown. An analysis of past due and nonaccrual loans, as of the dates indicated, follows: December 31, 2020 30 – 89 Days Past Due 90 or More Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Consumer Real Estate (1) Residential closed-end first liens $ 365 $ 62 $ - $ 62 Investor-owned residential real estate 106 - - - Commercial Real Estate (1) Commercial real estate, owner occupied 15 571 - 2,941 Commercial real estate, other - 654 - 654 Commercial Non - Real Estate (1) Commercial and Industrial 730 27 - 28 Consumer Non - Real Estate (1) Credit cards 7 3 3 - Automobile 144 1 1 - Other consumer loans 130 13 13 - Total $ 1,497 $ 1,331 $ 17 $ 3,685 December 31, 2019 30 – 89 Days Past Due 90 or More Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Real Estate Construction (1) Construction, other $ 19 $ - $ - $ - Consumer Real Estate (1) Residential closed-end first liens 499 210 188 22 Residential closed-end junior liens 83 - - - Investor-owned residential real estate - 264 - 264 Commercial Real Estate (1) Multifamily real estate 94 - - - Commercial real estate, owner occupied - 287 - 514 Commercial real estate, other - - - 2,435 Commercial Non - Real Estate (1) Commercial and Industrial 45 153 17 136 Consumer Non - Real Estate (1) Credit cards 4 - - - Automobile 256 14 14 4 Other consumer loans 70 12 12 - Total $ 1,070 $ 940 $ 231 $ 3,375 ( 1 Only classes with past due or nonaccrual loans are presented The estimate of credit risk for non-impaired loans is obtained by applying allocations for internal and external factors. The allocations are increased for loans that exhibit greater credit quality risk. Credit quality indicators, which the Company terms risk grades, are assigned through the Company’s credit review function for larger loans and selective review of loans that fall below credit review thresholds. Loans that do not third 2019, no 75 Determination of risk grades was completed for the portfolio as of December 31, 2020 2019. The following displays non-impaired gross loans by credit quality indicator as of the dates indicated: December 31, 2020 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 8,195 $ - $ - Construction, other 34,071 - - Consumer Real Estate Equity lines 13,903 - - Closed-end first liens 92,241 66 284 Closed-end junior liens 3,003 - - Investor-owned residential real estate 71,450 641 - Commercial Real Estate Multifamily residential real estate 87,455 265 - Commercial real estate owner-occupied 146,900 543 140 Commercial real estate, other 147,436 6,520 - Commercial Non - Real Estate Commercial and Industrial 77,892 - 28 Public Sector and IDA States and political subdivisions 40,983 - - Consumer Non - Real Estate Credit cards 4,665 - - Automobile 12,024 - 6 Other consumer 16,398 - 15 Total $ 756,616 $ 8,035 $ 473 December 31, 201 9 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 7,590 $ - $ - Construction, other 34,713 - - Consumer Real Estate Equity lines 16,435 - - Closed-end first liens 94,814 - 517 Closed-end junior liens 3,861 - - Investor-owned residential real estate 65,063 - 23 Commercial Real Estate Multifamily residential real estate 87,934 - 94 Commercial real estate owner-occupied 127,937 - 164 Commercial real estate, other 145,636 - - Commercial Non - Real Estate Commercial and Industrial 45,387 135 136 Public Sector and IDA States and political subdivisions 63,764 - - Consumer Non - Real Estate Credit cards 5,703 - - Automobile 14,810 - 19 Other consumer 13,995 - 8 Total $ 727,642 $ 135 $ 961 Sales, Purchases and Reclassification of Loans The Company finances mortgages under “best efforts” contracts with mortgage purchasers. The mortgages are designated as held for sale upon initiation. There have been no Troubled Debt Restructurings From time to time the Company modifies loans in TDRs. There were no 2020. December 31, 2019 2018. Note: Only classes with restructured loans are presented. Restructurings that occurred during the year ended December 31, 201 9 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Consumer Real Estate Equity lines 1 $ 100 $ 100 Total 1 $ 100 $ 100 ( 1 Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not The Company restructured one loan during the 12 December 31, 2019 30 not Restructurings that occurred during the year ended December 31, 2018 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Construction Real Estate Construction, other 2 $ 2,882 $ 2,882 Commercial Real Estate Commercial real estate, owner occupied 2 715 715 Consumer Real Estate Closed-end first liens 1 22 22 Investor-owned residential real estate 8 594 594 Total 13 $ 4,213 $ 4,213 ( 1 Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not The Company restructured 13 loans during the year ended December 31, 2018. December 31, 2018, no Two commercial real estate loans were restructured to provide a 12 not The investor owned residential real estate loans were restructured to provide payment relief. Seven loans were restructured from amortizing to interest-only for a period of 12 not not One residential closed-end first 12 not None 12 months ended December 31, 2018 Defaulted TDRs Of the Company’s TDRs at December 31, 2020, none 2020 12 December 31, 2019, seven one 2019 12 no December 31, 2019 2018, none 12 one 90 COVID- 19 In accordance with regulatory guidance and provisions in the CARES Act to provide relief during the COVID- 19 December 31, 2020, 19 19 not 30 December 31, 2019. not The Company is monitoring loans with COVID- 19 December 31, 2020, 19 19 December 31, 2020. not not

Note 6 - Premises and Equipment

Note 6 - Premises and Equipment	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	Note 6: A summary of the cost and accumulated depreciation of premises and equipment as of the dates indicated, follows: December 31, 2020 2019 Premises $ 14,809 $ 13,331 Furniture and equipment 6,620 6,300 Premises and equipment $ 21,429 $ 19,631 Accumulated depreciation (11,394 ) (10,712 ) Premises and equipment, net $ 10,035 $ 8,919 Depreciation expense for the years ended December 2020, 2019 2018

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 7 : Deposits The aggregate amounts of time deposits in denominations of $250 December 31, 2020 2019 December 31, 2020 2021 $ 64,320 2022 18,905 2023 2,990 2024 274 2025 3,093 Thereafter - Total time deposits $ 89,582 At December 31, 2020 2019,

Note 8 - Employee Benefit Plans

Note 8 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Retirement Benefits [Text Block]	Note 8 : Employee Benefit Plans 401 The Company has a Retirement Accumulation Plan qualifying under Internal Revenue Code Section 401 may December 31, 2020, 2019 2018, Employee Stock Ownership Plan The Company has a non-leveraged Employee Stock Ownership Plan ("ESOP") which enables employees of NBI and its subsidiaries who have one January 1 July 1 not December 31, 2020, 2019 2018, December 31, 2020, not Salary Continuation Plan The Company has a non-qualified Salary Continuation Plan for certain key officers. The plan provides the participating officers with supplemental retirement income, payable for the greater of 15 2020, 2019, 2018, Defined Benefit Plan The Company’s defined benefit pension plan covers substantially all employees. The plan benefit formula is based upon the length of service of retired employees and a percentage of qualified W- 2 December 31, 2020 2019 2018 Change in benefit obligation Projected benefit obligation at beginning of year $ 29,641 $ 23,688 $ 23,492 Service cost (1) 1,080 801 868 Interest cost 820 884 802 Actuarial loss (gain) 4,621 5,162 (423 ) Benefits paid (1,310 ) (894 ) (1,051 ) Projected benefit obligation at end of year $ 34,852 $ 29,641 $ 23,688 Change in plan assets Fair value of plan assets at beginning of year $ 25,007 $ 21,786 $ 23,428 Actual return on plan assets 3,718 4,115 (591 ) Employer contribution 5,000 - - Benefits paid (1,310 ) (894 ) (1,051 ) Fair value of plan assets at end of year $ 32,415 $ 25,007 $ 21,786 Funded status at the end of the year $ (2,437 ) $ (4,634 ) $ (1,902 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax asset $ 512 $ 973 $ 399 Other liabilities (2,437 ) (4,634 ) (1,902 ) Total amounts recognized in the Consolidated Balance Sheet $ (1,925 ) $ (3,661 ) $ (1,503 ) Amounts recognized in accumulated other comprehensive (loss), net Net loss $ (12,855 ) $ (10,983 ) $ (9,107 ) Prior service cost 11 120 230 Deferred tax asset 2,697 2,281 1,864 Amount recognized $ (10,147 ) $ (8,582 ) $ (7,013 ) Accrued/Prepaid benefit c ost, net Benefit obligation $ (34,852 ) $ (29,641 ) $ (23,688 ) Fair value of assets 32,415 25,007 21,789 Unrecognized net actuarial loss 12,855 10,983 9,107 Unrecognized prior service cost (11 ) (120 ) (230 ) Deferred tax liability (2,185 ) (1,308 ) (1,465 ) Prepaid benefit cost included in other assets $ 8,222 $ 4,921 $ 5,510 (continued) Components of net periodic benefit cost Service cost $ 1,080 $ 801 $ 868 Interest cost 820 884 802 Expected return on plan assets (1,679 ) (1,461 ) (1,601 ) Amortization of prior service cost (110 ) (110 ) (110 ) Recognized net actuarial loss 710 632 585 Net periodic benefit cost $ 821 $ 746 $ 544 Other changes in plan assets and benefit obligations recognized in other comprehensive income Net loss $ 1,871 $ 1,876 $ 1,184 Amortization of prior service cost 110 110 110 Deferred income tax benefit (416 ) (417 ) (272 ) Total recognized $ 1,565 $ 1,569 $ 1,022 Total recognized in net periodic benefit cost and other comprehensive income $ 2,802 $ 2,732 $ 1,838 Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 3.00 % 4.00 % 3.50 % Discount rate used for disclosure 2.25 % 3.00 % 4.00 % Expected return on plan assets 7.50 % 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % 3.00 % ( 1 Cost is included in Salaries and Employee Benefits expense. Long Term Rate of Return The Company, as plan sponsor, selects the expected long term rate-of-return-on-assets assumption in consultation with its investment advisors and actuary. This rate is intended to reflect the average rate of earnings expected to be earned on the funds invested or to be invested to provide plan benefits. Historical performance is reviewed, especially with respect to real rates of return (net of inflation), for the major asset classes held or anticipated to be held by the trust, and for the trust itself. Undue weight is not may not Because assets are held in a qualified trust, anticipated returns are not not not The Company, as plan sponsor, has adopted a Pension Administrative Committee Policy (the "Policy") for monitoring the investment management of its qualified plans. The Policy includes a statement of general investment principles and a listing of specific investment guidelines, to which the committee may The preferred target allocation for the assets of the defined benefit pension plan is 65% in equity securities and 35% in fixed income securities. Equity securities include investments in large-cap and mid-cap companies primarily located in the United States, although a small number of international large-cap companies are included. There are also investments in mutual funds holding the equities of large-cap and mid-cap U.S. companies. Fixed income securities include U.S. government agency securities and corporate bonds from companies representing diversified industries. There are no investments in hedge funds, private equity funds or real estate. Fair value measurements of the pension plan’s assets at December 31, 2020 December 31, 2019 Fair Value Measurements at December 31, 2020 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 4,336 $ 4,336 $ - $ - Equity securities: U. S. companies 15,129 15,129 - - International companies 2,735 2,735 - - Equities mutual funds (1) 3,840 3,840 - - State and political subdivisions 152 - 152 - Corporate bonds – investment grade (2) 6,223 - 6,223 - Total pension plan assets $ 32,415 $ 26,040 $ 6,375 $ - ( 1 This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies. ( 2 This category represents investment grade bonds of U.S. issuers from diverse industries. Fair Value Measurements at December 31, 201 9 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 4,350 $ 4,350 $ - $ - Equity securities: U. S. companies 11,098 11,098 - - International companies 2,334 2,334 - - Equities mutual funds (1) 1,343 1,343 - - State and political subdivisions 202 - 202 - Corporate bonds – investment grade (2) 5,680 - 5,680 - Total pension plan assets $ 25,007 $ 19,125 $ 5,882 $ - ( 1 This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies. ( 2 This category represents investment grade bonds of U.S. issuers from diverse industries. The Company’s required minimum pension contribution for 2021 not Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows: 2021 $ 5,235 2022 $ 1,436 2023 $ 992 2024 $ 1,823 2025 $ 839 2026 - 2030 $ 10,725

Note 9 - Income Taxes

Note 9 - Income Taxes	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note 9 : Income Taxes The Company files United States federal income tax returns, and Virginia, West Virginia and North Carolina state income tax returns. With few exceptions, the Company is no 2017. Allocation of income tax expense between current and deferred portions is as follows: Years ended December 31, 2020 2019 2018 Current $ 2,795 $ 2,682 $ 2,942 Deferred expense (benefit) 282 529 (382 ) Total income tax expense $ 3,077 $ 3,211 $ 2,560 The following is a reconciliation of the “expected” income tax expense, computed by applying the U.S. federal income tax rate of 21% Years ended December 31, 2020 2019 2018 Computed “expected” income tax expense $ 4,021 $ 4,342 $ 3,929 Tax-exempt interest income (798 ) (1,019 ) (1,255 ) Nondeductible interest expense 62 96 69 Other, net (208 ) (208 ) (183 ) Reported income tax expense $ 3,077 $ 3,211 $ 2,560 The components of net deferred tax assets, included in other assets, are as follows: December 31, 2020 2019 Deferred tax assets: Allowance for loan losses and unearned fee income $ 1,938 $ 1,597 Valuation allowance on other real estate owned 188 186 Defined benefit plan 2,697 2,281 Deferred compensation and other liabilities 866 848 Lease accounting 423 480 SBA fees 191 - Total deferred tax assets $ 6,303 $ 5,392 Deferred tax liabilities: Fixed assets $ (424 ) $ (438 ) Goodwill and deposit intangibles (1,228 ) (1,228 ) Defined benefit plan, prepaid portion (2,186 ) (1,308 ) Net unrealized gain on securities available for sale (3,500 ) (20 ) Lease accounting (419 ) (478 ) Discount accretion of securities (15 ) (43 ) Total deferred tax liabilities (7,772 ) (3,515 ) Net deferred tax assets (liabilities) $ (1,469 ) $ 1,877 The Company determined that a valuation allowance for the gross deferred tax assets is unnecessary at December 31, 2020 2019.

Note 10 - Restrictions on Divid

Note 10 - Restrictions on Dividends	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Restrictions on Dividends, Loans and Advances [Text Block]	Note 1 0 : Restrictions on Dividends The Company’s principal source of funds for dividend payments is dividends received from its subsidiary bank. For the years ended December 31, 2020, 2019 2018, Substantially all of NBI’s retained earnings are undistributed earnings of its sole banking subsidiary, which are restricted by various regulations administered by federal bank regulatory agencies. Bank regulatory agencies restrict, unless prior approval is obtained, the total dividend payments of a bank in any calendar year to the bank’s retained net income of that year to date, as defined, combined with its retained net income of the preceding two 2020, December 31, 2020, 2021.

Note 11 - Minimum Regulatory Ca

Note 11 - Minimum Regulatory Capital Requirement	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 1 1 : Minimum Regulatory Capital Requirement Under the Federal Reserve’s Small Bank Holding Company Policy Statement, the Company is exempt from reporting consolidated regulatory capital ratios and from minimum regulatory capital requirements. NBB is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on NBI’s and NBB’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, NBB must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. The Bank is subject to the rules implementing the Basel III capital framework and certain related provisions of the Dodd-Frank Act (the “Basel III Capital Rules”) as applied by the Office of the Comptroller of the Currency. The Basel III Capital Rules require the Bank to comply with minimum capital ratios plus a “capital conservation buffer” designed to absorb losses during periods of economic stress. The rules set forth minimum amounts and ratios for CET1 1 1 NBB’s CET1 CET1 CET1 Tier 1 CET1 1 December 31, 2020 2019, not 1 CET1 1 2 2 December 31, 2020 December 31, 2019. December 31, 2020 2019, As of December 31, 2020, 1 CET1 1 no NBB’s capital amounts and ratios as of December 31, 2020 2019 Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2020 Total capital (to risk weighted assets) $ 185,937 19.943 % $ 97,898 10.500 % $ 93,236 10.000 % Tier 1 capital (to risk weighted assets) $ 177,409 19.028 % $ 79,251 8.500 % $ 74,589 8.000 % Common Equity Tier 1 capital (to risk weighted assets) $ 177,409 19.028 % $ 65,265 7.000 % $ 60,604 6.500 % Tier 1 capital (to average assets) $ 177,409 12.105 % $ 58,624 4.000 % $ 73,281 5.000 % Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 201 9 Total capital (to risk weighted assets) $ 188,946 23.128 % $ 85,781 10.500 % $ 81,696 10.000 % Tier 1 capital (to risk weighted assets) $ 182,044 22.283 % $ 69,442 8.500 % $ 65,357 8.000 % Common Equity Tier 1 capital (to risk weighted assets) $ 182,044 22.283 % $ 57,187 7.000 % $ 53,103 6.500 % Tier 1 capital (to average assets) $ 182,044 14.175 % $ 51,371 4.000 % $ 64,213 5.000 % ( 1 Except with regard to NBB’s Tier 1 2.50% CET1

Note 12 - Condensed Financial S

Note 12 - Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note 1 2 : Condensed Financial Statements of Parent Company Financial information pertaining only to NBI (Parent) as of the dates indicated, is as follows: Condensed Balance Sheets December 31, 2020 2019 Assets Cash due from subsidiaries $ 987 $ 57 Interest-bearing deposits 10,027 623 Investments in subsidiaries 189,667 183,056 Refundable income taxes 446 423 Other assets 791 880 Total assets $ 201,918 $ 185,039 Liabilities and Stockholders’ Equity Other liabilities $ 1,311 $ 1,313 Stockholders’ equity 200,607 183,726 Total liabilities and stockholders’ equity $ 201,918 $ 185,039 Condensed Statements of Income Years Ended December 31, 2020 2019 2018 Income Dividends from subsidiaries $ 22,000 $ 28,556 $ 9,419 Other income 4 18 10 Total income 22,004 28,574 9,429 Expenses Other expenses 1,179 1,025 1,244 Income before income tax benefit and equity in undistributed net income of subsidiaries 20,825 27,549 8,185 Applicable income tax benefit 301 266 308 Income before equity in undistributed net income of subsidiaries 21,126 27,815 8,493 Equity (deficit) in undistributed net income of subsidiaries (5,049 ) (10,349 ) 7,658 Net income $ 16,077 $ 17,466 $ 16,151 Condensed Statements of Cash Flows Years ended December 31, 2020 2019 2018 Cash Flows f rom Operating Expenses Net income $ 16,077 $ 17,466 $ 16,151 Adjustments to reconcile net income to net cash provided by operating activities: Deficit (equity) in undistributed net income of subsidiaries 5,049 10,349 (7,658 ) Net change in refundable income taxes due from subsidiaries (23 ) (27 ) (228 ) Net change in other assets (45 ) (173 ) (109 ) Net change in other liabilities (2 ) 221 115 Net cash provided by operating activities 21,056 27,836 8,271 Cash Flows from Investing Activities Net change in interest-bearing deposits (9,404 ) (266 ) 146 Net cash (used in) provided by investing activities (9,404 ) (266 ) 146 Cash Flows from Financing Activities Cash dividends paid (9,000 ) (9,032 ) (8,419 ) Repurchase of shares (1,722 ) (18,525 ) - Net cash used in financing activities (10,722 ) (27,557 ) (8,419 ) Net change in cash 930 13 (2 ) Cash due from subsidiaries at beginning of year 57 44 46 Cash due from subsidiaries at end of year $ 987 $ 57 $ 44

Note 13 - Financial Instruments

Note 13 - Financial Instruments With Off-balance Sheet Risk	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	Not e 1 3 : Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and interest rate locks. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss, in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The Company may At December 31, 2020 2019, December 31, 2020 2019 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 178,341 $ 158,859 Standby letters of credit 13,474 15,212 Mortgage loans sold with potential recourse 40,362 20,496 Commitments to extend credit are agreements to lend to a customer as long as there is no may may not Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit. Some of these commitments are uncollateralized and do not may not Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third may The Company originates mortgage loans for sale to secondary market investors subject to contractually specified and limited recourse provisions. In 2020, 2019. may may may 12 At December 31, 2020, not The Company maintains cash accounts in other commercial banks. The Company had $18 in deposits with correspondent institutions at December 31, 2020 not

Note 14 - Concentrations of Cre

Note 14 - Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 1 4 : Concentrations of Credit Risk The Company does a general banking business, serving the commercial and personal banking needs of its customers. NBB’s primary service area is defined as the counties of Montgomery, Giles, Carroll, Grayson, Pulaski, Tazewell, Smyth, Wythe, Roanoke and Washington and the cities of Galax, Radford and Roanoke in southwest Virginia, and Mercer, Monroe and McDowell counties in West Virginia. For loan purposes, the Company’s market also includes the Virginia cities of Salem and Bristol and counties of Botetourt and Craig, the southernmost tip of West Virginia adjacent to the counties of Giles, Buchanan, Russell and Bland, the North Carolina counties of Surry and Alleghany, and the Tennessee city of Bristol and counties of Washington and Sullivan. Substantially all of NBB’s loans are made in its primary service area. Additionally, the Company occasionally participates in loans in nearby higher growth metropolitan areas. Loans outside of the primary service area are a small percentage of the loan portfolio, are appropriately underwritten and are not Commercial real estate as of December 31, 2020 2019 December 31, 2020 2019, December 31, 2020 December 31, 2019. December 31, 2020 2019, The Company has established operating policies relating to the credit process and collateral in loan originations. Loans to purchase real and personal property are generally collateralized by the related property and with loan amounts established based on certain percentage limitations of the property’s total stated or appraised value. Credit approval is primarily a function of cash flow, collateral and the evaluation of the creditworthiness of the individual borrower or project based on available financial information. Management considers the concentration of credit risk to be minimal.

Note 15 - Fair Value Measuremen

Note 15 - Fair Value Measurements	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 1 5 : Fair Value Measurements Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. GAAP requires that valuation techniques maximize the use of the observable inputs and minimize the use of the unobservable inputs. GAAP also establishes a fair value hierarchy which prioritizes the valuation inputs into three one three Level 1 Level 2 ● quoted prices in active markets for similar assets and liabilities, ● quoted prices for identical or similar assets and liabilities in less active markets, ● inputs other than quoted prices that are observable, and ● model-based valuation techniques for which significant assumptions can be derived primarily from or corroborated by observable data in the market. Level 3 one Fair value is best determined by quoted market prices. However, in many instances, there are no not may not may not The following describes the valuation techniques used by the Company to measure certain financial assets and liabilities recorded at fair value on a recurring basis in the consolidated financial statements: Financial Instruments Measured At Fair Value on a Recurring Basis Securities A vailable for S ale Securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1 not may 2 The following tables present the balances of financial assets measured at fair value on a recurring basis as of December 31, 2020 2019: Fair Value Measurements at December 31, 2020 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 91,163 $ - $ 91,163 $ - States and political subdivisions 203,961 - 203,961 - Mortgage-backed securities 249,175 - 249,175 - Corporate debt securities 2,443 - 2,443 - Total securities available for sale $ 546,742 $ - $ 546,742 $ - Fair Value Measurements at December 31, 2019 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 121,123 $ - $ 121,123 $ - States and political subdivisions 88,239 - 88,239 - Mortgage-backed securities 221,783 - 221,783 - Corporate debt securities 4,118 - 4,118 - Total securities available for sale $ 435,263 $ - $ 435,263 $ - The Company’s securities portfolio is valued using Level 2 third two third 2 may Interest Rate Loan Contracts and Forward Contracts The Company originates consumer real estate loans which it intends to sell to a correspondent lender. Interest rate loan contracts and forward contracts result from originating loans held for sale and are derivatives reported at fair value. The Company enters interest rate lock commitments with customers who apply for a loan which it intends to sell to a correspondent lender. The interest rate loan contract ends when the loan closes or the customer withdraws their application. Fair value of the interest rate loan contracts is based upon the correspondent lender’s pricing quotes at the report date. Fair value is adjusted for the estimated probability of the loan closing with the borrower. At the time the Company enters into an interest rate loan contract with a customer, it also enters into a best efforts forward sales commitment with the correspondent lender. If the loan has been closed and funded, the best efforts commitment converts to a mandatory forward sales commitment. Fair value is based on the gain or loss that would occur if the Company were to pair-off the transaction with the investor at the measurement date. This is a Level 3 Interest rate loan contracts and forward contracts are valued based on quotes from the correspondent lender at the reporting date. Pricing changes daily and if a loan has not may Fair Value Measurements at December 31, 2020 Using Description Balance as of Quoted Prices Significant Significant Interest rate loan contracts $ 1 $ - $ - $ 1 Forward contracts $ (11 ) $ - $ - $ (11 ) Fair Value Measurements at December 31, 2019 Using Description Balance as of Quoted Prices Significant Significant Interest rate loan contracts $ 1 $ - $ - $ 1 Forward contracts $ (4 ) $ - $ - $ (4 ) December 31, 2020 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate loan contracts Market approach Pull-through rate 87.02% (1) Forward contracts Market approach Pull-through rate 87.02% (1) Interest rate loan contracts Market approach Current reference price 101.91% - 103.02% (102.55%) (2) Forward contracts Market approach Current reference price 101.91% - 103.19% (102.67%) (2) ( 1 Current reference prices were weighted by the relative amount of the loan December 31, 2019 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate loan contracts Market approach Pull-through rate 90.00% (1) Forward contracts Market approach Pull-through rate 65.60% (1) Interest rate loan contracts Market approach Current reference price 101.49% - 102.06% (101.72%) (2) Forward contracts Market approach Current reference price 101.49% - 103.28% (101.91%) (2) ( 1 All contracts are valued using the same pull-through rate ( 2 Current reference prices were weighted by the relative amount of the loan Financial Instruments Measured at Fair Value on a Non-Recurring Basis Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower-of-cost-or-market accounting or write-downs of individual assets. The following describes the valuation techniques used by the Company to measure certain financial assets recorded at fair value on a nonrecurring basis in the consolidated financial statements: Loans H eld for S ale Loans held for sale are carried at the lower of cost or fair value. These loans currently consist of one four not 2 December 31, 2020 2019. Impaired Loans Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due will not The fair value of an impaired loan and measurement of associated loss is based on one three 1 3 Loans measured using the fair value of collateral method may 2 3. may 1 4 $250 $500. 1 4 $250 $500 The value of real estate collateral is determined by a current (less than 24 2. 3. 3. 2 3 not 3 As of December 31, 2020 December 31, 2019, Carrying value Date Description Balance Quoted Prices Significant Significant Assets: December 31, 2020 Impaired loans net of valuation allowance $ 970 $ - $ - $ 970 December 31, 2019 Impaired loans net of valuation allowance 1,005 - - 1,005 The following table presents information about Level 3 Impaired Loans Valuation Technique Unobservable Input Range (Weighted Average (1) ) December 31, 2020 Present value of cash flows Discount rate 5.50% - 6.50% (5.78%) December 31, 2019 Present value of cash flows Discount rate 5.50% - 6.50% (5.77%) ( 1 Unobservable inputs were weighted by the relative fair value of the impaired loans. At December 31, 2020 December 31, 2019, may may 19 not Other Real Estate Owned Certain assets such as OREO are measured at fair value less cost to sell. Valuation of OREO is determined using current appraisals from independent parties, a Level 2 3 3 The following table summarizes the Company’s OREO that were measured at fair value on a nonrecurring basis as of the dates indicated. Carrying Value Date Description Balance Quoted Prices Significant Significant Assets: December 31, 2020 Other real estate owned net of valuation allowance $ 1,553 $ - $ - $ 1,553 December 31, 2019 Other real estate owned net of valuation allowance 1,612 - - 1,612 The following table presents information about Level 3 Valuation Technique Unobservable Input Range (Weighted Average (1) ) December 31, 2020 201 9 Other real estate owned Discounted appraised value Selling cost 4.00% (2) – 9.23% (4.54%) 0.00% (2) – 6.00% (0.68%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0.00% - 7.66% (0.62%) 0.00% - 45.17% (1.28%) ( 1 Discounts were weighted by the relative appraised value of the OREO properties. ( 2 The appraised value is discounted by selling costs if the OREO property is listed with a realtor and if the appraised value exceeds the list price, less estimated selling costs. Selling costs do not At December 31, 2020 December 31, 2019, Discounts for selling costs and in some instances, marketability, result when the Company markets OREO properties via local realtors. The Company works with the realtor to determine the list price, which may 6% 10% may may There is uncertainty in determining discounts to appraised value. Future changes to marketability assumptions or updated appraisals may 19 may may may Fair Value Summary The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of December 31, 2020 December 31, 2019. no December 31, 2020 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 13,147 $ 13,147 $ - $ - Interest-bearing deposits 120,725 120,725 - - Securities 546,742 - 546,742 - Restricted securities 1,279 - 1,279 - Mortgage loans held for sale 866 - 866 - Loans, net 760,318 - - 752,624 Accrued interest receivable 5,028 - 5,028 - Bank-owned life insurance 36,444 - 36,444 - Financial liabilities: Deposits $ 1,297,143 $ - $ 1,207,561 $ 89,681 Accrued interest payable 56 - 56 - December 31, 2019 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 10,290 $ 10,290 $ - $ - Interest-bearing deposits 76,881 76,881 - - Securities 435,263 - 435,263 - Restricted securities 1,220 - 1,220 - Mortgage loans held for sale 905 - 905 - Loans, net 726,588 - - 718,299 Accrued interest receivable 4,285 - 4,285 - Bank-owned life insurance 35,567 - 35,567 - Financial liabilities: Deposits $ 1,119,753 $ - $ 991,725 $ 128,011 Accrued interest payable 144 - 144 -

Note 16 - Components of Accumul

Note 16 - Components of Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 1 6 : Components of Accumulated Other Comprehensive Income (Loss) The following table summarizes the activity related to each component of accumulated other comprehensive income (loss) for the years ended December 31, 2018, 2019 2020: Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 201 7 $ (3,704 ) $ (5,991 ) $ (9,695 ) Unrealized holding loss on available for sale securities net of tax of ($595) (2,246 ) - (2,246 ) Transfer from held to maturity to available for sale securities, net of tax of $ 237 891 - 891 Reclassification adjustment, net of tax of ($4) (13 ) - (13 ) Net pension loss, net of tax of ($249) - (936 ) (936 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($24) - (86 ) (86 ) Balance at December 31, 201 8 $ (5,072 ) $ (7,013 ) $ (12,085 ) Unrealized holding gain on available for sale securities net of tax of $ 1,486 5,595 - 5,595 Reclassification adjustment, net of tax of ($119) (447 ) - (447 ) Net pension loss, net of tax of ($394) - (1,482 ) (1,482 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($23) - (87 ) (87 ) Balance at December 31, 201 9 $ 76 $ (8,582 ) $ (8,506 ) Unrealized holding gain on available for sale securities net of tax of $ 3,502 13,176 - 13,176 Reclassification adjustment, net of tax of ($23) (85 ) - (85 ) Net pension loss, net of tax of ($393) - (1,478 ) (1,478 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($23) - (87 ) (87 ) Balance at December 31, 2020 $ 13,167 $ (10,147 ) $ 3,020 The following table provides information regarding reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2020, 2019 2018: December 31, 2020 2019 2018 Component of Accumulated Other Comprehensive Income (Loss) Reclassification out of unrealized gains on available for sale securities: Realized securities gain, net $ (108 ) $ (566 ) $ (17 ) Income tax benefit (23 ) (119 ) (4 ) Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss $ (85 ) $ (447 ) $ (13 ) Amortization of defined benefit pension items: Prior service costs (1) $ (110 ) $ (110 ) $ (110 ) Income tax benefit (23 ) (23 ) (24 ) Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss $ (87 ) $ (87 ) $ (86 ) ( 1 This accumulated other comprehensive income (loss) component is included in the computation of net periodic benefit cost. (For additional information, see Note 8,

Note 17 - Intangible Assets and

Note 17 - Intangible Assets and Goodwill	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 1 7 . Goodwill In accounting for goodwill, the Company conducts an impairment review at least annually and more frequently if certain impairment indicators are evident. Testing for 2020 2019 not December 31, 2020 December 31, 2019, $5,848. no

Note 18 - Revenue Recognition

Note 18 - Revenue Recognition	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	Note 18: Substantially all of the Company’s revenue is generated from contracts with customers. Noninterest revenue streams such as service charges on deposit accounts, other service charges and fees, credit and debit card fees, trust income, and annuity and insurance commissions are recognized in accordance with ASC Topic 606, 606 not 606 Service Charges on Deposit Accounts Service charges on deposit accounts consist of monthly service fees, overdraft and nonsufficient funds fees, ATM fees, wire transfer fees, and other deposit account related fees. The Company’s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. Wire transfer fees, overdraft and nonsufficient funds fees and other deposit account related fees are transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Other Service Charges and Fees Other service charges include safety deposit box rental fees, check ordering charges, and other service charges. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Company determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. Check ordering charges are transactional based, and therefore the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Credit and Debit Card Fees Credit and debit card fees are primarily comprised of interchange fee income and merchant services income. Interchange fees are earned whenever the Company’s debit and credit cards are processed through card payment networks such as Visa and MasterCard. Merchant services income mainly represents commission fees based upon merchant processing volume. The Company’s performance obligation for interchange fee income and merchant services income are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. In compliance with Topic 606, Trust Income Trust income is primarily comprised of fees earned from the management and administration of trusts and estates and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to customers’ accounts. The Company does not Insurance and Investment Insurance income primarily consists of commissions received on insurance product sales. The Company acts as an intermediary between the Company’s customer and the insurance carrier. The Company’s performance obligation is generally satisfied upon the issuance of the insurance policy. Shortly after the insurance policy is issued, the carrier remits the commission payment to the Company, and the Company recognizes the revenue. Investment income consists of recurring revenue streams such as commissions from sales of mutual funds and other investments. Commissions from the sale of mutual funds and other investments are recognized on trade date, which is when the Company has satisfied its performance obligation. The Company also receives periodic service fees (i.e., trailers) from mutual fund companies typically based on a percentage of net asset value. Trailer revenue is recorded over time, usually monthly or quarterly, as net asset value is determined. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, December 31, 2020, 2019 2018. December 31, 2020 2019 201 8 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 1,966 $ 2,453 $ 2,678 Other service charges and fees 162 198 132 Credit and debit card fees 1,400 1,398 1,431 Trust income 1,662 1,622 1,565 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 464 483 460 Noninterest Income (in-scope of Topic 606) $ 5,654 $ 6,154 $ 6,266 Noninterest Income (out-of-scope of Topic 606) 2,290 2,636 1,463 Total noninterest income $ 7,944 $ 8,790 $ 7,729

Note 19 - Leases

Note 19 - Leases	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note 1 9 : Leases The Company’s leases are recorded under ASC Topic 842, 842, not 12 not Right-of-use assets and lease liabilities are recognized for operating and finance leases. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. Lease liabilities represent the Company’s obligation to make lease payments and are presented at each reporting date as the net present value of the remaining contractual cash flows. Cash flows are discounted at the Company’s incremental borrowing rate in effect at the commencement date of the lease. Lease payments Lease payments for short-term leases are recognized as lease expense on a straight-line basis over the lease term, or for variable lease payments, in the period in which the obligation was incurred. Payments for leases with terms longer than 12 may not Two of the Company’s leases provide known escalators that are included in the determination of the lease liability. One lease has an annual escalator based on the consumer price index-urban (“CPI-U”). The remaining leases do not Options to Extend, Residual Value Guarantees, and Restrictions and Covenants Of the Company’s six three three two five one one five not None none The Company’s lease right of use asset is included in other assets and the lease liability is included in other liabilities. The following tables present information about leases: December 31, 2020 December 31, 2019 Lease liability $ 2,016 $ 2,286 Right-of-use asset $ 1,998 $ 2,277 Weighted average remaining lease term (in years) 6.81 6.90 Weighted average discount rate 3.04 % 3.02 % For the Year s Ended December 31 , 2020 2019 Lease Expense Operating lease expense $ 368 $ 310 Short-term lease expense 2 114 Total lease expense $ 370 $ 424 Cash paid for amounts included in lease liabilities $ 360 $ 414 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 24 $ 1,837 The following table presents a maturity schedule of undiscounted cash flows that contribute to the lease liability: Undiscounted Cash Flow for the As of December 31, 20 20 Twelve months ending December 31, 2021 $ 363 Twelve months ending December 31, 2022 352 Twelve months ending December 31, 2023 352 Twelve months ending December 31, 2024 334 Twelve months ending December 31, 2025 244 Thereafter 604 Total undiscounted cash flows $ 2,249 Less: discount $ (233 ) Lease liability $ 2,016 The contracts in which the Company is lessee are with parties external to the company and not

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks.
Interest-bearing Deposits [Policy Text Block]	Interest-Bearing Deposits The Company invests over-night funds in interest-bearing deposits at other banks, including the FHLB, the Federal Reserve and other entities. Interest-bearing deposits are carried at cost.
Marketable Securities, Policy [Policy Text Block]	Securities Certain debt securities that management has the positive intent and ability to hold to maturity may not During 2018, The Company follows the accounting guidance related to recognition and presentation of OTTI. The guidance specifies that if (a) an entity does not not not not Equity securities with readily-determinable fair values are measured at fair value using the “exit price notion”. Changes in fair value are recognized in net income. Equity securities without readily-determinable fair values are recorded as other assets at cost less impairment, if any, and adjusted for changes resulting from observable price changes in orderly transactions for identical or similar investment of the same issuer.
Financing Receivable, Held-for-sale [Policy Text Block]	Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value on an individual loan basis. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. The Company releases mortgage servicing rights when loans are sold on the secondary market.
Financing Receivable, Held-for-investment [Policy Text Block]	Loans The Company, through its banking subsidiary, provides mortgage, commercial, and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans, particularly commercial mortgages. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the Company’s market area. The Company’s loans are grouped into six Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may not may The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, and local housing market trends and interest rates. Risks specific to a borrower are determined by previous repayment history, loan-to-value ratios and debt-to-income ratios. Commercial real estate includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment rates and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non-real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non-real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, interest rates, borrower repayment ability and collateral value (if secured). Public sector and IDA loans are extended to municipalities and related entities. Credit risk stems from the entity’s ability to repay through either a direct obligation or assignment of specific revenues from an enterprise or other economic activity, and interest rate trends. Consumer non-real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay. If the loan is secured, the company analyzes loan-to-value ratios. All consumer non-real estate loans are analyzed for debt-to-income ratios and previous credit history, as well as for general risks for the portfolio, including local unemployment rates, personal bankruptcy rates and interest rates. Risks from delinquency trends and characteristics such as second Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses, any purchase premium or discount, unearned income and deferred fees or costs. Interest income is accrued on the unpaid principal balance. Unearned income on dealer-originated loans and loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Purchase premium or discount is recognized as an adjustment of the related loan yield using the interest method. The Company considers multiple factors when determining whether to discontinue accrual of interest on individual loans. Generally loans are placed in nonaccrual status when collection of interest and/or full principal is considered doubtful. Interest accrual is discontinued at the time a commercial real estate loan or commercial non-real estate loan is 90 days delinquent unless the credit is well secured and in the process of collection. Loans within all loan classes that are not six may All interest accrued but not not may six A loan is considered past due when a payment of principal and/or interest is due but not not 30 not not 30 89 90
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses represents management’s estimate of probable losses inherent in the Company’s loan portfolio. A provision for estimated losses is charged to earnings to establish and maintain the allowance for loan losses at a level reflective of the estimated credit risk. When management determines that a loan balance or portion of a loan balance is not Management evaluates the allowance each quarter through a methodology that estimates losses on individual impaired loans and evaluates the effect of numerous factors on the credit risk of groups of homogeneous loans. Specific allowances are established for individually-evaluated impaired loans based on the excess of the loan balance relative to the fair value of the loan. Impaired loans are designated as such when current information indicates that it is probable that the Company will be unable to collect principal or interest when due according to the contractual terms of the loan agreement. Loan relationships exceeding $250 in nonaccrual status or that are significantly past due, or for which a credit review identified weaknesses that indicate principal and interest will not Fair value of impaired loans is estimated in one three 1 2 3 General allowances are established for collectively evaluated loans. Collectively evaluated loans are grouped into classes based on similar characteristics. Factors considered in determining general allowances include net charge-off trends, internal risk ratings, delinquency and nonperforming rates, product mix, underwriting practices, industry trends and economic trends. The Company’s charge-off policy meets or is more stringent than the minimum standards required by regulators. When available information confirms that a specific loan or a portion thereof, within any loan class, is uncollectible the amount is charged off against the allowance for loan losses. Additionally, losses on consumer real estate and consumer non-real estate loans are typically charged off no may may
Troubled Debt Restructuring [Policy Text Block]	Troubled Debt Restructurings In situations where, for economic or legal reasons related to a borrower’s financial condition, management grants a concession to the borrower that it would not may may one
Rate Lock Commitments [Policy Text Block]	Rate Lock Commitments The Company enters into commitments to originate mortgage loans in which the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 to 60 days. The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, by committing to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. As a result, the Company is not The market value of rate lock commitments and best efforts contracts is not not no
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is charged to expense over the estimated useful lives of the assets on the straight-line basis. Depreciable lives include 40 years for premises, 3-10 years for furniture and equipment, and 3 years for computer software. Costs of maintenance and repairs are charged to expense as incurred and improvements are capitalized.
Financing Receivable, Real Estate Acquired Through Foreclosure [Policy Text Block]	Other Real Estate Owned Real estate acquired through or in lieu of foreclosure is held for sale and is initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing the cost basis of the asset. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other operating expenses.
Goodwill and Intangible Assets, Policy [Policy Text Block]	Goodwill The Company records as goodwill the excess of purchase price over the fair value of the identifiable net assets acquired. Goodwill is subject to at least an annual assessment for impairment by applying a fair value based test. The Company performs its annual analysis as of September 30 September 30, 2020. The Company’s goodwill impairment analysis considered three first second third no second third Based upon data at September 30, 2020, second third September 30, 2020, fourth 2020. December 31, 2020 September 30, 2020 two not For the years ended December 31, 2019 2018, no The Company’s intangible assets became fully amortized during 2018.
Pension and Other Postretirement Plans, Pensions, Policy [Policy Text Block]	Pension Plan The Company recognizes the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and recognizes changes in that funded status in the year in which the changes occur through comprehensive income. The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation.
Income Tax, Policy [Policy Text Block]	Income Taxes Income tax accounting guidance results in two Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, not 50 not 50 not not not not The Company recognizes interest and penalties on income taxes as a component of income tax expense.
Trust Assets and Income [Policy Text Block]	Trust Assets and Income Assets (other than cash deposits) held by NBB’s Trust Department in a fiduciary or agency capacity for customers are not not
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Common Share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. The following shows the weighted average number of shares used in computing earnings per common share for the years indicated. 2020 2019 2018 Average number of common shares outstanding 6,483,230 6,580,659 6,957,974 As of December 31, 2020 December 31, 2019,
Commitments and Contingencies, Policy [Policy Text Block]	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and reasonably estimated. Management does not
Advertising Cost [Policy Text Block]	Advertising The Company charges advertising costs to expenses as incurred. Advertising expenses were $99 for the year ended December 31, 2020, December 2019 December 31, 2018.
Revenue [Policy Text Block]	Revenue Recognition The Company accounts for revenue associated with financial instruments, including loans and securities via the accrual method. The Company recognizes noninterest income when it satisfies commitments to customers. Please refer to Note 18:
Use of Estimates, Policy [Policy Text Block]	Use of Estimates In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of OREO, evaluation of impairment of goodwill, and pension obligations. Changing economic conditions, adverse economic prospects for borrowers, as well as regulatory agency action as a result of examination, could cause NBB to recognize additions to the allowance for loan losses and may
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications Certain amounts reported in prior years have been reclassified to conform to the current year’s presentation. These reclassifications had no
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, No. 2016 13, 326 2016 13 326, 2019 04, 2019 05, 2019 10, 2019 11, 2020 02, 2020 03. not December 15, 2022. 2016 13 2016 13 Effective November 25, 2019, 119. 119 326, 1 2 3 4 In December 2019, 2019 12, 740 740 December 15, 2020, 2019 12 On March 12, 2020, April 27, 2020. first 404 $75 $700 second $700 $100 no $100 10 not $1.0 not In August 2018, 2018 14, 715 20 715 20 50 3, December 15, 2020. not 2018 14 Recently Adopted Accounting Developments In January 2017, 2017 04, 350 2017 04” 2017 04 first two 2, 2017 04 January 1, 2020. 2017 04 not In August 2018, 2018 13, 820 2018 13” 2018 13 3 may 3 820 2018 13 January 1, 2020. 2018 13 not In March 2020 ( April 2020), 19. 310 40, 310 40” not 19 not six 30 August 2020, 4013 March 27, 2020 December 21, 2020, first 19 4013 5: 7.
Risks and Uncertainties [Policy Text Block]	Risks and Uncertainties The outbreak of COVID- 19 19 not The Congress of the United States, along with the President of the United States and the Federal Reserve have taken historic actions. Most notably, the CARES Act was signed into law at the end of March 2020 $2 The Company’s business is dependent upon the willingness and ability of its employees and customers to conduct banking and other financial transactions. If the global response to contain COVID- 19 not 19 Financial position and results of operations The Company’s fee income has been negatively impacted during 2020 may may 19 The Company’s interest income has declined during 2020 may March 2020. In keeping with guidance from regulators, the Company has actively worked with COVID- 19 not may Capital and Liquidity While the Company believes that it has sufficient capital to withstand an extended economic recession brought about by COVID- 19, The Company maintains access to multiple sources of liquidity. Wholesale funding markets are currently available to the Company. If the uncertainty caused by the COVID- 19 Asset valuation Currently, the Company does not 19 not The Company tests goodwill for impairment annually, usually during the fourth September 30 three first second third The COVID- 19 March 31, 2020 June 30, 2020. third September 30, 2020 fourth 2020. If in the future the pandemic or other adverse events cause a sustained decline in the Company’s stock price or the occurrence of what management deems to be a triggering event, under certain circumstances prescribed by GAAP, the Company will perform goodwill impairment testing as needed, which may Processes, controls and business continuity plan In response to the pandemic, the Company deployed its business continuity plan, including a remote working strategy for certain employees. The Company does not No not 19. not Lending operations and accommodations to borrowers In keeping with regulatory guidance to work with borrowers during this unprecedented situation and as outlined in the CARES Act, the Company has provided modifications for its borrowers who are adversely affected by the pandemic. Depending on the demonstrated need of the borrower, the Company has provided payment extensions, granted periods of interest only payments to otherwise amortizing loans, and interest rate reductions. As of December 31, 2020, 19 March 2020 April 2020, not 90 With the passage of the PPP, administered by the SBA, the Company is actively participating in assisting its customers through the program. Most of the PPP loans the Company made have a two 1%. second five two five December 31, 2020, Credit The Company is working with customers directly affected by COVID- 19, 19 19

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Weighted Average Number of Shares [Table Text Block]	2020 2019 2018 Average number of common shares outstanding 6,483,230 6,580,659 6,957,974

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Available-for-sale Securities [Table Text Block]	December 31, 2020 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 86,859 $ 4,477 $ 173 $ 91,163 States and political subdivisions 196,435 7,778 252 203,961 Mortgage-backed securities 244,780 4,473 78 249,175 Corporate debt securities 2,001 442 - 2,443 Total securities available for sale $ 530,075 $ 17,170 $ 503 $ 546,742 December 31, 2019 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 119,903 $ 1,995 $ 775 $ 121,123 States and political subdivisions 88,092 791 644 88,239 Mortgage-backed securities 223,173 45 1,435 221,783 Corporate debt securities 3,998 120 - 4,118 Total securities available for sale $ 435,166 $ 2,951 $ 2,854 $ 435,263
Investments Classified by Contractual Maturity Date [Table Text Block]	December 31, 20 20 Available for sale: Amortized Cost Fair Value Due in one year or less $ 4,002 $ 4,048 Due after one year through five years 5,605 5,787 Due after five years through ten years 141,804 146,716 Due after ten years 378,664 390,191 Total securities available for sale $ 530,075 $ 546,742
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	December 31, 2020 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. Government agencies and corporations $ 28,798 $ 173 $ - $ - State and political subdivisions 32,353 249 635 3 Mortgage-backed securities 8,816 76 4,060 2 Total temporarily impaired securities $ 69,967 $ 498 $ 4,695 $ 5 December 31, 2019 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. Government agencies and corporations $ 53,244 $ 738 $ 38,962 $ 37 State and political subdivisions 35,934 596 591 48 Mortgage-backed securities 181,279 1,435 - - Total temporarily impaired securities $ 270,457 $ 2,769 $ 39,553 $ 85
Schedule of Realized Gain (Loss) on Called Securities [Table Text Block]	For the year ended December 31, 2020 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 126,840 $ 126,732 $ 110 $ 2 $ 108 For the year ended December 31, 201 9 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 348,032 $ 347,466 $ 1,157 $ 591 $ 566 For the year ended December 31, 201 8 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 17,287 $ 17,270 $ 17 $ - $ 17 Held to maturity 6,430 6,430 - - -

Note 5 - Allowance for Loan L_2

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2020 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Balance, December 31, 2019 $ 400 $ 1,895 $ 2,559 $ 555 $ 478 $ 650 $ 326 $ 6,863 Charge-offs - (85 ) (15 ) (372 ) - (248 ) - (720 ) Recoveries - 18 145 9 - 175 - 347 Provision for (recovery of) loan losses 103 337 1,164 478 (139 ) (22 ) 70 1,991 Balance, December 31, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 201 9 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Balance, December 31, 2018 $ 398 $ 2,049 $ 2,798 $ 602 $ 583 $ 750 $ 210 $ 7,390 Charge-offs - (192 ) (150 ) (47 ) - (531 ) - (920 ) Recoveries - - 49 1 - 217 - 267 Provision for (recovery of) loan losses 2 38 (138 ) (1 ) (105 ) 214 116 126 Balance, December 31, 2019 $ 400 $ 1,895 $ 2,559 $ 555 $ 478 $ 650 $ 326 $ 6,863 Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2018 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Balance, December 31, 2017 $ 337 $ 2,027 $ 3,044 $ 1,072 $ 419 $ 707 $ 319 $ 7,925 Charge-offs - (38 ) - (107 ) - (544 ) - (689 ) Recoveries - 3 49 22 - 161 - 235 Provision for (recovery of) loan losses 61 57 (295 ) (385 ) 164 426 (109 ) (81 ) Balance, December 31, 2018 $ 398 $ 2,049 $ 2,798 $ 602 $ 583 $ 750 $ 210 $ 7,390
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2020 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 2 $ - $ 73 $ - $ - $ - $ 75 Collectively evaluated loans 503 2,163 3,853 597 339 555 396 8,406 Total $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Loans by Segment and Evaluation Method as of December 31, 2020 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 194 $ 3,856 $ 851 $ - $ 2 $ - $ 4,903 Collectively evaluated loans 42,266 181,588 389,259 77,920 40,983 33,108 - 765,124 Total $ 42,266 $ 181,782 $ 393,115 $ 78,771 $ 40,983 $ 33,110 $ - $ 770,027 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 201 9 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 2 $ - $ 108 $ - $ - $ - $ 110 Collectively evaluated loans 400 1,893 2,559 447 478 650 326 6,753 Total $ 400 $ 1,895 $ 2,559 $ 555 $ 478 $ 650 $ 326 $ 6,863 Loans by Segment and Evaluation Method as of December 31, 201 9 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non - Real Estate Public Sector and IDA Consumer Non - Real Estate Unallocated Total Individually evaluated for impairment $ - $ 759 $ 3,608 $ 918 $ - $ 4 $ - $ 5,289 Collectively evaluated loans 42,303 180,713 361,765 45,658 63,764 34,535 - 728,738 Total $ 42,303 $ 181,472 $ 365,373 $ 46,576 $ 63,764 $ 34,539 $ - $ 734,027
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]	December 31, 2020 2019 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs (1) 1.10 % 0.94 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.05 % 0.09 %
Schedule of Nonperforming Assets [Table Text Block]	December 31, 2020 2019 Nonperforming assets: Nonaccrual loans $ 846 $ 164 Restructured loans in nonaccrual 2,839 3,211 Total nonperforming loans 3,685 3,375 Other real estate owned, net 1,553 1,612 Total nonperforming assets $ 5,238 $ 4,987 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 0.68 % 0.68 % Ratio of allowance for loan losses to nonperforming loans (1) 230.15 % 203.35 %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]	December 31, 2020 2019 Loans past due 90 days or more and still accruing $ 17 $ 231 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.00 % 0.03 % Accruing restructured loans $ 1,410 $ 1,729 Impaired loans: Impaired loans with no valuation allowance $ 3,858 $ 4,174 Impaired loans with a valuation allowance 1,045 1,115 Total impaired loans $ 4,903 $ 5,289 Valuation allowance $ (75 ) $ (110 ) Impaired loans, net of allowance $ 4,828 $ 5,179 Average recorded investment in impaired loans (1) $ 5,093 $ 5,359 Income recognized on impaired loans, after designation as impaired $ 54 $ 171 Amount of income recognized on a cash basis $ - $ -
Impaired Financing Receivables [Table Text Block]	Impaired Loans as of December 31, 2020 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) in (A) for Which There is No Related Allowance Recorded Investment (1) in (A) for Which There is a Related Allowance Related Allowance Consumer Real Estate (2) Investor-owned residential real estate $ 194 $ 194 $ - $ 194 $ 2 Commercial Real Estate (2) Commercial real estate, owner occupied 3,752 3,202 3,202 - - Commercial real estate, other 654 654 654 - - Commercial Non - Real Estate (2) Commercial and Industrial 851 851 - 851 73 Consumer Non - Real Estate (2) Automobile 2 2 2 - - Total $ 5,453 $ 4,903 $ 3,858 $ 1,045 $ 75 Impaired Loans as of December 31, 2019 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) in (A) for Which There is No Related Allowance Recorded Investment (1) in (A) for Which There is a Related Allowance Related Allowance Consumer Real Estate (2) Residential equity lines $ 100 $ 100 $ 100 $ - $ - Residential closed-end first liens 221 221 221 - - Investor-owned residential real estate 441 438 241 197 2 Commercial Real Estate (2) Multifamily real estate 278 278 278 - - Commercial real estate, owner occupied 929 895 895 - - Commercial real estate, other 2,867 2,435 2,435 - - Commercial Non - Real Estate (2) Commercial and Industrial 917 918 - 918 108 Consumer Non - Real Estate (2) Automobile 4 4 4 - - Total $ 5,757 $ 5,289 $ 4,174 $ 1,115 $ 110
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]	Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2020 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Investor-owned residential real estate $ 196 $ 13 Commercial Real Estate (2) Commercial real estate, owner occupied 3,217 19 Commercial real estate, other 790 - Commercial Non -Real Estate (2) Commercial and Industrial 887 22 Consumer Non -Real Estate (2) Automobile 3 - Total $ 5,093 $ 54 Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2019 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential equity lines $ 98 $ 6 Residential closed-end first liens 225 11 Investor-owned residential real estate 439 17 Commercial Real Estate (2) Multifamily real estate 284 12 Commercial real estate, owner occupied 913 41 Commercial real estate, other 2,435 59 Commercial Non -Real Estate (2) Commercial and Industrial 962 25 Consumer Non -Real Estate (2) Automobile 3 - Total $ 5,359 $ 171 Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2018 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential closed-end first liens $ 1,202 $ 41 Residential closed-end junior liens 159 9 Investor-owned residential real estate 808 23 Commercial Real Estate (2) Multifamily real estate 491 20 Commercial real estate, owner occupied 3,038 75 Commercial real estate, other 2,744 54 Commercial Non - Real Estate (2) Commercial and Industrial 1,326 27 Consumer Non -Real Estate (2) Automobile 20 1 Total $ 9,788 $ 250
Financing Receivable, Past Due [Table Text Block]	December 31, 2020 30 – 89 Days Past Due 90 or More Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Consumer Real Estate (1) Residential closed-end first liens $ 365 $ 62 $ - $ 62 Investor-owned residential real estate 106 - - - Commercial Real Estate (1) Commercial real estate, owner occupied 15 571 - 2,941 Commercial real estate, other - 654 - 654 Commercial Non - Real Estate (1) Commercial and Industrial 730 27 - 28 Consumer Non - Real Estate (1) Credit cards 7 3 3 - Automobile 144 1 1 - Other consumer loans 130 13 13 - Total $ 1,497 $ 1,331 $ 17 $ 3,685 December 31, 2019 30 – 89 Days Past Due 90 or More Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Real Estate Construction (1) Construction, other $ 19 $ - $ - $ - Consumer Real Estate (1) Residential closed-end first liens 499 210 188 22 Residential closed-end junior liens 83 - - - Investor-owned residential real estate - 264 - 264 Commercial Real Estate (1) Multifamily real estate 94 - - - Commercial real estate, owner occupied - 287 - 514 Commercial real estate, other - - - 2,435 Commercial Non - Real Estate (1) Commercial and Industrial 45 153 17 136 Consumer Non - Real Estate (1) Credit cards 4 - - - Automobile 256 14 14 4 Other consumer loans 70 12 12 - Total $ 1,070 $ 940 $ 231 $ 3,375
Financing Receivable Credit Quality Indicators [Table Text Block]	December 31, 2020 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 8,195 $ - $ - Construction, other 34,071 - - Consumer Real Estate Equity lines 13,903 - - Closed-end first liens 92,241 66 284 Closed-end junior liens 3,003 - - Investor-owned residential real estate 71,450 641 - Commercial Real Estate Multifamily residential real estate 87,455 265 - Commercial real estate owner-occupied 146,900 543 140 Commercial real estate, other 147,436 6,520 - Commercial Non - Real Estate Commercial and Industrial 77,892 - 28 Public Sector and IDA States and political subdivisions 40,983 - - Consumer Non - Real Estate Credit cards 4,665 - - Automobile 12,024 - 6 Other consumer 16,398 - 15 Total $ 756,616 $ 8,035 $ 473 December 31, 201 9 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 7,590 $ - $ - Construction, other 34,713 - - Consumer Real Estate Equity lines 16,435 - - Closed-end first liens 94,814 - 517 Closed-end junior liens 3,861 - - Investor-owned residential real estate 65,063 - 23 Commercial Real Estate Multifamily residential real estate 87,934 - 94 Commercial real estate owner-occupied 127,937 - 164 Commercial real estate, other 145,636 - - Commercial Non - Real Estate Commercial and Industrial 45,387 135 136 Public Sector and IDA States and political subdivisions 63,764 - - Consumer Non - Real Estate Credit cards 5,703 - - Automobile 14,810 - 19 Other consumer 13,995 - 8 Total $ 727,642 $ 135 $ 961
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	Restructurings that occurred during the year ended December 31, 201 9 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Consumer Real Estate Equity lines 1 $ 100 $ 100 Total 1 $ 100 $ 100 Restructurings that occurred during the year ended December 31, 2018 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Construction Real Estate Construction, other 2 $ 2,882 $ 2,882 Commercial Real Estate Commercial real estate, owner occupied 2 715 715 Consumer Real Estate Closed-end first liens 1 22 22 Investor-owned residential real estate 8 594 594 Total 13 $ 4,213 $ 4,213

Note 6 - Premises and Equipme_2

Note 6 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Property, Plant and Equipment [Table Text Block]	December 31, 2020 2019 Premises $ 14,809 $ 13,331 Furniture and equipment 6,620 6,300 Premises and equipment $ 21,429 $ 19,631 Accumulated depreciation (11,394 ) (10,712 ) Premises and equipment, net $ 10,035 $ 8,919

Note 7 - Deposits (Tables)

Note 7 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Scheduled Maturities of Time Deposits [Table Text Block]	2021 $ 64,320 2022 18,905 2023 2,990 2024 274 2025 3,093 Thereafter - Total time deposits $ 89,582

Note 8 - Employee Benefit Pla_2

Note 8 - Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	December 31, 2020 2019 2018 Change in benefit obligation Projected benefit obligation at beginning of year $ 29,641 $ 23,688 $ 23,492 Service cost (1) 1,080 801 868 Interest cost 820 884 802 Actuarial loss (gain) 4,621 5,162 (423 ) Benefits paid (1,310 ) (894 ) (1,051 ) Projected benefit obligation at end of year $ 34,852 $ 29,641 $ 23,688 Change in plan assets Fair value of plan assets at beginning of year $ 25,007 $ 21,786 $ 23,428 Actual return on plan assets 3,718 4,115 (591 ) Employer contribution 5,000 - - Benefits paid (1,310 ) (894 ) (1,051 ) Fair value of plan assets at end of year $ 32,415 $ 25,007 $ 21,786 Funded status at the end of the year $ (2,437 ) $ (4,634 ) $ (1,902 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax asset $ 512 $ 973 $ 399 Other liabilities (2,437 ) (4,634 ) (1,902 ) Total amounts recognized in the Consolidated Balance Sheet $ (1,925 ) $ (3,661 ) $ (1,503 ) Amounts recognized in accumulated other comprehensive (loss), net Net loss $ (12,855 ) $ (10,983 ) $ (9,107 ) Prior service cost 11 120 230 Deferred tax asset 2,697 2,281 1,864 Amount recognized $ (10,147 ) $ (8,582 ) $ (7,013 ) Accrued/Prepaid benefit c ost, net Benefit obligation $ (34,852 ) $ (29,641 ) $ (23,688 ) Fair value of assets 32,415 25,007 21,789 Unrecognized net actuarial loss 12,855 10,983 9,107 Unrecognized prior service cost (11 ) (120 ) (230 ) Deferred tax liability (2,185 ) (1,308 ) (1,465 ) Prepaid benefit cost included in other assets $ 8,222 $ 4,921 $ 5,510 Components of net periodic benefit cost Service cost $ 1,080 $ 801 $ 868 Interest cost 820 884 802 Expected return on plan assets (1,679 ) (1,461 ) (1,601 ) Amortization of prior service cost (110 ) (110 ) (110 ) Recognized net actuarial loss 710 632 585 Net periodic benefit cost $ 821 $ 746 $ 544 Other changes in plan assets and benefit obligations recognized in other comprehensive income Net loss $ 1,871 $ 1,876 $ 1,184 Amortization of prior service cost 110 110 110 Deferred income tax benefit (416 ) (417 ) (272 ) Total recognized $ 1,565 $ 1,569 $ 1,022 Total recognized in net periodic benefit cost and other comprehensive income $ 2,802 $ 2,732 $ 1,838 Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 3.00 % 4.00 % 3.50 % Discount rate used for disclosure 2.25 % 3.00 % 4.00 % Expected return on plan assets 7.50 % 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % 3.00 %
Schedule of Allocation of Plan Assets [Table Text Block]	Fair Value Measurements at December 31, 2020 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 4,336 $ 4,336 $ - $ - Equity securities: U. S. companies 15,129 15,129 - - International companies 2,735 2,735 - - Equities mutual funds (1) 3,840 3,840 - - State and political subdivisions 152 - 152 - Corporate bonds – investment grade (2) 6,223 - 6,223 - Total pension plan assets $ 32,415 $ 26,040 $ 6,375 $ - Fair Value Measurements at December 31, 201 9 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 4,350 $ 4,350 $ - $ - Equity securities: U. S. companies 11,098 11,098 - - International companies 2,334 2,334 - - Equities mutual funds (1) 1,343 1,343 - - State and political subdivisions 202 - 202 - Corporate bonds – investment grade (2) 5,680 - 5,680 - Total pension plan assets $ 25,007 $ 19,125 $ 5,882 $ -
Schedule of Expected Benefit Payments [Table Text Block]	2021 $ 5,235 2022 $ 1,436 2023 $ 992 2024 $ 1,823 2025 $ 839 2026 - 2030 $ 10,725

Note 9 - Income Taxes (Tables)

Note 9 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Years ended December 31, 2020 2019 2018 Current $ 2,795 $ 2,682 $ 2,942 Deferred expense (benefit) 282 529 (382 ) Total income tax expense $ 3,077 $ 3,211 $ 2,560
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Years ended December 31, 2020 2019 2018 Computed “expected” income tax expense $ 4,021 $ 4,342 $ 3,929 Tax-exempt interest income (798 ) (1,019 ) (1,255 ) Nondeductible interest expense 62 96 69 Other, net (208 ) (208 ) (183 ) Reported income tax expense $ 3,077 $ 3,211 $ 2,560
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, 2020 2019 Deferred tax assets: Allowance for loan losses and unearned fee income $ 1,938 $ 1,597 Valuation allowance on other real estate owned 188 186 Defined benefit plan 2,697 2,281 Deferred compensation and other liabilities 866 848 Lease accounting 423 480 SBA fees 191 - Total deferred tax assets $ 6,303 $ 5,392 Deferred tax liabilities: Fixed assets $ (424 ) $ (438 ) Goodwill and deposit intangibles (1,228 ) (1,228 ) Defined benefit plan, prepaid portion (2,186 ) (1,308 ) Net unrealized gain on securities available for sale (3,500 ) (20 ) Lease accounting (419 ) (478 ) Discount accretion of securities (15 ) (43 ) Total deferred tax liabilities (7,772 ) (3,515 ) Net deferred tax assets (liabilities) $ (1,469 ) $ 1,877

Note 11 - Minimum Regulatory _2

Note 11 - Minimum Regulatory Capital Requirement (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2020 Total capital (to risk weighted assets) $ 185,937 19.943 % $ 97,898 10.500 % $ 93,236 10.000 % Tier 1 capital (to risk weighted assets) $ 177,409 19.028 % $ 79,251 8.500 % $ 74,589 8.000 % Common Equity Tier 1 capital (to risk weighted assets) $ 177,409 19.028 % $ 65,265 7.000 % $ 60,604 6.500 % Tier 1 capital (to average assets) $ 177,409 12.105 % $ 58,624 4.000 % $ 73,281 5.000 % Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 201 9 Total capital (to risk weighted assets) $ 188,946 23.128 % $ 85,781 10.500 % $ 81,696 10.000 % Tier 1 capital (to risk weighted assets) $ 182,044 22.283 % $ 69,442 8.500 % $ 65,357 8.000 % Common Equity Tier 1 capital (to risk weighted assets) $ 182,044 22.283 % $ 57,187 7.000 % $ 53,103 6.500 % Tier 1 capital (to average assets) $ 182,044 14.175 % $ 51,371 4.000 % $ 64,213 5.000 %

Note 12 - Condensed Financial_2

Note 12 - Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets December 31, 2020 2019 Assets Cash due from subsidiaries $ 987 $ 57 Interest-bearing deposits 10,027 623 Investments in subsidiaries 189,667 183,056 Refundable income taxes 446 423 Other assets 791 880 Total assets $ 201,918 $ 185,039 Liabilities and Stockholders’ Equity Other liabilities $ 1,311 $ 1,313 Stockholders’ equity 200,607 183,726 Total liabilities and stockholders’ equity $ 201,918 $ 185,039
Condensed Income Statement [Table Text Block]	Condensed Statements of Income Years Ended December 31, 2020 2019 2018 Income Dividends from subsidiaries $ 22,000 $ 28,556 $ 9,419 Other income 4 18 10 Total income 22,004 28,574 9,429 Expenses Other expenses 1,179 1,025 1,244 Income before income tax benefit and equity in undistributed net income of subsidiaries 20,825 27,549 8,185 Applicable income tax benefit 301 266 308 Income before equity in undistributed net income of subsidiaries 21,126 27,815 8,493 Equity (deficit) in undistributed net income of subsidiaries (5,049 ) (10,349 ) 7,658 Net income $ 16,077 $ 17,466 $ 16,151
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Years ended December 31, 2020 2019 2018 Cash Flows f rom Operating Expenses Net income $ 16,077 $ 17,466 $ 16,151 Adjustments to reconcile net income to net cash provided by operating activities: Deficit (equity) in undistributed net income of subsidiaries 5,049 10,349 (7,658 ) Net change in refundable income taxes due from subsidiaries (23 ) (27 ) (228 ) Net change in other assets (45 ) (173 ) (109 ) Net change in other liabilities (2 ) 221 115 Net cash provided by operating activities 21,056 27,836 8,271 Cash Flows from Investing Activities Net change in interest-bearing deposits (9,404 ) (266 ) 146 Net cash (used in) provided by investing activities (9,404 ) (266 ) 146 Cash Flows from Financing Activities Cash dividends paid (9,000 ) (9,032 ) (8,419 ) Repurchase of shares (1,722 ) (18,525 ) - Net cash used in financing activities (10,722 ) (27,557 ) (8,419 ) Net change in cash 930 13 (2 ) Cash due from subsidiaries at beginning of year 57 44 46 Cash due from subsidiaries at end of year $ 987 $ 57 $ 44

Note 13 - Financial Instrumen_2

Note 13 - Financial Instruments With Off-balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	December 31, 2020 2019 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 178,341 $ 158,859 Standby letters of credit 13,474 15,212 Mortgage loans sold with potential recourse 40,362 20,496

Note 15 - Fair Value Measurem_2

Note 15 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at December 31, 2020 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 91,163 $ - $ 91,163 $ - States and political subdivisions 203,961 - 203,961 - Mortgage-backed securities 249,175 - 249,175 - Corporate debt securities 2,443 - 2,443 - Total securities available for sale $ 546,742 $ - $ 546,742 $ - Fair Value Measurements at December 31, 2019 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 121,123 $ - $ 121,123 $ - States and political subdivisions 88,239 - 88,239 - Mortgage-backed securities 221,783 - 221,783 - Corporate debt securities 4,118 - 4,118 - Total securities available for sale $ 435,263 $ - $ 435,263 $ -
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Fair Value Measurements at December 31, 2020 Using Description Balance as of Quoted Prices Significant Significant Interest rate loan contracts $ 1 $ - $ - $ 1 Forward contracts $ (11 ) $ - $ - $ (11 ) Fair Value Measurements at December 31, 2019 Using Description Balance as of Quoted Prices Significant Significant Interest rate loan contracts $ 1 $ - $ - $ 1 Forward contracts $ (4 ) $ - $ - $ (4 )
Schedule of Derivative Instruments [Table Text Block]	December 31, 2020 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate loan contracts Market approach Pull-through rate 87.02% (1) Forward contracts Market approach Pull-through rate 87.02% (1) Interest rate loan contracts Market approach Current reference price 101.91% - 103.02% (102.55%) (2) Forward contracts Market approach Current reference price 101.91% - 103.19% (102.67%) (2) December 31, 2019 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate loan contracts Market approach Pull-through rate 90.00% (1) Forward contracts Market approach Pull-through rate 65.60% (1) Interest rate loan contracts Market approach Current reference price 101.49% - 102.06% (101.72%) (2) Forward contracts Market approach Current reference price 101.49% - 103.28% (101.91%) (2)
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying value Date Description Balance Quoted Prices Significant Significant Assets: December 31, 2020 Impaired loans net of valuation allowance $ 970 $ - $ - $ 970 December 31, 2019 Impaired loans net of valuation allowance 1,005 - - 1,005 Carrying Value Date Description Balance Quoted Prices Significant Significant Assets: December 31, 2020 Other real estate owned net of valuation allowance $ 1,553 $ - $ - $ 1,553 December 31, 2019 Other real estate owned net of valuation allowance 1,612 - - 1,612
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Impaired Loans Valuation Technique Unobservable Input Range (Weighted Average (1) ) December 31, 2020 Present value of cash flows Discount rate 5.50% - 6.50% (5.78%) December 31, 2019 Present value of cash flows Discount rate 5.50% - 6.50% (5.77%) Valuation Technique Unobservable Input Range (Weighted Average (1) ) December 31, 2020 201 9 Other real estate owned Discounted appraised value Selling cost 4.00% (2) – 9.23% (4.54%) 0.00% (2) – 6.00% (0.68%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0.00% - 7.66% (0.62%) 0.00% - 45.17% (1.28%)
Fair Value, by Balance Sheet Grouping [Table Text Block]	December 31, 2020 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 13,147 $ 13,147 $ - $ - Interest-bearing deposits 120,725 120,725 - - Securities 546,742 - 546,742 - Restricted securities 1,279 - 1,279 - Mortgage loans held for sale 866 - 866 - Loans, net 760,318 - - 752,624 Accrued interest receivable 5,028 - 5,028 - Bank-owned life insurance 36,444 - 36,444 - Financial liabilities: Deposits $ 1,297,143 $ - $ 1,207,561 $ 89,681 Accrued interest payable 56 - 56 - December 31, 2019 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 10,290 $ 10,290 $ - $ - Interest-bearing deposits 76,881 76,881 - - Securities 435,263 - 435,263 - Restricted securities 1,220 - 1,220 - Mortgage loans held for sale 905 - 905 - Loans, net 726,588 - - 718,299 Accrued interest receivable 4,285 - 4,285 - Bank-owned life insurance 35,567 - 35,567 - Financial liabilities: Deposits $ 1,119,753 $ - $ 991,725 $ 128,011 Accrued interest payable 144 - 144 -

Note 16 - Components of Accum_2

Note 16 - Components of Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 201 7 $ (3,704 ) $ (5,991 ) $ (9,695 ) Unrealized holding loss on available for sale securities net of tax of ($595) (2,246 ) - (2,246 ) Transfer from held to maturity to available for sale securities, net of tax of $ 237 891 - 891 Reclassification adjustment, net of tax of ($4) (13 ) - (13 ) Net pension loss, net of tax of ($249) - (936 ) (936 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($24) - (86 ) (86 ) Balance at December 31, 201 8 $ (5,072 ) $ (7,013 ) $ (12,085 ) Unrealized holding gain on available for sale securities net of tax of $ 1,486 5,595 - 5,595 Reclassification adjustment, net of tax of ($119) (447 ) - (447 ) Net pension loss, net of tax of ($394) - (1,482 ) (1,482 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($23) - (87 ) (87 ) Balance at December 31, 201 9 $ 76 $ (8,582 ) $ (8,506 ) Unrealized holding gain on available for sale securities net of tax of $ 3,502 13,176 - 13,176 Reclassification adjustment, net of tax of ($23) (85 ) - (85 ) Net pension loss, net of tax of ($393) - (1,478 ) (1,478 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($23) - (87 ) (87 ) Balance at December 31, 2020 $ 13,167 $ (10,147 ) $ 3,020
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	December 31, 2020 2019 2018 Component of Accumulated Other Comprehensive Income (Loss) Reclassification out of unrealized gains on available for sale securities: Realized securities gain, net $ (108 ) $ (566 ) $ (17 ) Income tax benefit (23 ) (119 ) (4 ) Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss $ (85 ) $ (447 ) $ (13 ) Amortization of defined benefit pension items: Prior service costs (1) $ (110 ) $ (110 ) $ (110 ) Income tax benefit (23 ) (23 ) (24 ) Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss $ (87 ) $ (87 ) $ (86 )

Note 18 - Revenue Recognition (

Note 18 - Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Disaggregation of Revenue [Table Text Block]	December 31, 2020 2019 201 8 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 1,966 $ 2,453 $ 2,678 Other service charges and fees 162 198 132 Credit and debit card fees 1,400 1,398 1,431 Trust income 1,662 1,622 1,565 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 464 483 460 Noninterest Income (in-scope of Topic 606) $ 5,654 $ 6,154 $ 6,266 Noninterest Income (out-of-scope of Topic 606) 2,290 2,636 1,463 Total noninterest income $ 7,944 $ 8,790 $ 7,729

Note 19 - Leases (Tables)

Note 19 - Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Lease, Cost [Table Text Block]	December 31, 2020 December 31, 2019 Lease liability $ 2,016 $ 2,286 Right-of-use asset $ 1,998 $ 2,277 Weighted average remaining lease term (in years) 6.81 6.90 Weighted average discount rate 3.04 % 3.02 % For the Year s Ended December 31 , 2020 2019 Lease Expense Operating lease expense $ 368 $ 310 Short-term lease expense 2 114 Total lease expense $ 370 $ 424 Cash paid for amounts included in lease liabilities $ 360 $ 414 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 24 $ 1,837
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Undiscounted Cash Flow for the As of December 31, 20 20 Twelve months ending December 31, 2021 $ 363 Twelve months ending December 31, 2022 352 Twelve months ending December 31, 2023 352 Twelve months ending December 31, 2024 334 Twelve months ending December 31, 2025 244 Thereafter 604 Total undiscounted cash flows $ 2,249 Less: discount $ (233 ) Lease liability $ 2,016

Note 1 - Summary of Significa_3

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2020	Dec. 31, 2017
Debt Securities, Held-to-maturity, Transfer, Amount			$ 119,790
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax			1,128
Number of Days of Delinquent Loans Nonaccrual of Interest (Day)	90 days
Minimum Number of Days of Discontinued Loan Payments for Modified Loan to be Placed on Nonaccrual (Day)	90 days
Number of Days Past Due (Day)	30 days
Threshold for Designation to Impaired Status	$ 250
Minimum Number of Days Consumer Loans are Past Due for Losses to be Charged Off (Day)	120 days
Maximum Number of Days Consumer Loans are Past Due for Losses to be Charged Off (Day)	180 days
Number of Days Loans Secured by Residential Or Commercial Real Estate Are Past Due for Losses to Be Carged Off (Day)	180 days
Period of Time Between Issuance of Loan Commitment and Closing and Sale of Loans Lower Range (Day)	30 days
Period of Time Between Issuance of Loan Commitments and Closing and Sale of Loans Upper Range (Day)	60 days
Market Capitalization	$ 201,387			$ 164,381
Stockholders' Equity Attributable to Parent, Ending Balance	200,607	$ 183,726	190,238	$ 202,194	$ 184,896
Goodwill, Impairment Loss	$ 0	0	0
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0
Advertising Expense	$ 99	120	$ 106
Number of Loan Modifications for COVID-19 Related Accommodations	388
Principal Balance of Loans with COVID-19 Related Accommodations	$ 182,829
Loans and Leases Receivable, Net Amount, Total	760,318	$ 726,588
SBA CARES Act Paycheck Protection Program [Member]
Loans and Leases Receivable, Net Amount, Total	$ 35,992
National Bank of Blacksburg [Member]
Noncontrolling Interest, Ownership Percentage by Parent	100.00%
Minimum [Member]
Finite-Lived Intangible Asset, Useful Life (Year)	10 years
Maximum [Member]
Finite-Lived Intangible Asset, Useful Life (Year)	12 years
Building [Member]
Property, Plant and Equipment, Useful Life (Year)	40 years
Furniture and Fixtures [Member] | Minimum [Member]
Property, Plant and Equipment, Useful Life (Year)	3 years
Furniture and Fixtures [Member] | Maximum [Member]
Property, Plant and Equipment, Useful Life (Year)	10 years
Computer Equipment [Member]
Property, Plant and Equipment, Useful Life (Year)	3 years

Note 1 - Summary of Significa_4

Note 1 - Summary of Significant Accounting Policies - Weighted Average Number of Shares (Details) - shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Average number of common shares outstanding (in shares)	6,483,230	6,580,659	6,957,974

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Number of Temporarily Impaired Securities	62
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 74,662
Continuous Unrealized Loss Position Aggregate Losses	$ 503
Number of Temporarily Impaired Securities Greater than Twelve Months	2
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	$ 4,695	$ 39,553
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	5	85
Debt Securities, Available-for-sale, Restricted	251,048	220,999
Available-for-sale Securities, Gross Realized Gains	108	566	$ 17
Debt Securities, Held-to-maturity, Fair Value, Total			119,790
Debt Securities, Held-to-maturity, Amortized Cost, before Other-than-temporary Impairment			118,662
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax			1,128
National Bank of Blacksburg [Member] | Federal Home Loan Bank of Atlanta [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	558,703
Restricted Stock [Member]
Restricted Investments	$ 1,279	1,220
US States and Political Subdivisions Debt Securities [Member]
Number of Temporarily Impaired Securities	1
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 635
Continuous Unrealized Loss Position Aggregate Losses	3
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	635	591
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 3	48
Collateralized Mortgage Backed Securities [Member]
Number of Temporarily Impaired Securities	1
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 4,060
Continuous Unrealized Loss Position Aggregate Losses	2
Securities Sold [Member]
Available-for-sale Securities, Gross Realized Gains	43	438	1
Securities Called [Member]
Available-for-sale Securities, Gross Realized Gains	$ 65	$ 128	$ 16

Note 3 - Securities - Securitie

Note 3 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Securities available-for-sale, amortized costs	$ 530,075	$ 435,166
Securities available-for-sale, gross unrealized gains	17,170	2,951
Securities available-for-sale, gross unrealized losses	503	2,854
Securities available-for-sale, fair values	546,742	435,263
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized costs	86,859	119,903
Securities available-for-sale, gross unrealized gains	4,477	1,995
Securities available-for-sale, gross unrealized losses	173	775
Securities available-for-sale, fair values	91,163	121,123
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, amortized costs	196,435	88,092
Securities available-for-sale, gross unrealized gains	7,778	791
Securities available-for-sale, gross unrealized losses	252	644
Securities available-for-sale, fair values	203,961	88,239
Collateralized Mortgage Backed Securities [Member]
Securities available-for-sale, amortized costs	244,780	223,173
Securities available-for-sale, gross unrealized gains	4,473	45
Securities available-for-sale, gross unrealized losses	78	1,435
Securities available-for-sale, fair values	249,175	221,783
Corporate Debt Securities [Member]
Securities available-for-sale, amortized costs	2,001	3,998
Securities available-for-sale, gross unrealized gains	442	120
Securities available-for-sale, fair values	$ 2,443	$ 4,118

Note 3 - Securities - Securit_2

Note 3 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Amortized cost, due in one year or less, available for sale securities	$ 4,002
Fair value, due in one year or less, available for sale securities	4,048
Amortized cost, due after one year through five years, available for sale securities	5,605
Fair value, due after one year through five years, available for sale securities	5,787
Amortized cost, due after five years through ten years, available for sale securities	141,804
Fair value, due after five years through ten years, available for sale securities	146,716
Amortized cost, due after ten years, available for sale securities	378,664
Fair value, due after ten years, available for sale securities	390,191
Amortized cost, total securities available for sale	530,075	$ 435,166
Fair value, total securities available for sale	$ 546,742	$ 435,263

Note 3 - Securities - Securit_3

Note 3 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Temporarily impaired securities, less than 12 months, fair value	$ 69,967	$ 270,457
Temporarily impaired securities, less than 12 months unrealized loss	498	2,769
Temporarily impaired securities, 12 months or more fair value	4,695	39,553
Temporarily impaired securities, 12 months or more unrealized loss	5	85
US Government Agencies Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	28,798	53,244
Temporarily impaired securities, less than 12 months unrealized loss	173	738
Temporarily impaired securities, 12 months or more fair value		38,962
Temporarily impaired securities, 12 months or more unrealized loss		37
US States and Political Subdivisions Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	32,353	35,934
Temporarily impaired securities, less than 12 months unrealized loss	249	596
Temporarily impaired securities, 12 months or more fair value	635	591
Temporarily impaired securities, 12 months or more unrealized loss	3	48
Commercial Mortgage Backed Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	8,816	181,279
Temporarily impaired securities, less than 12 months unrealized loss	76	$ 1,435
Temporarily impaired securities, 12 months or more fair value	4,060
Temporarily impaired securities, 12 months or more unrealized loss	$ 2

Note 3 - Securities - Realized

Note 3 - Securities - Realized Gains and Losses From Calls of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Available for sale, proceeds	$ 126,840	$ 348,032	$ 17,287
Available for sale, book value	126,732	347,466	17,270
Available for sale, gross gain	110	1,157	17
Available for sale, gross loss	2	591	0
Available for sale, net gain (loss)	$ 108	$ 566	17
Held to maturity, proceeds			6,430
Held to maturity, book value			6,430
Held to maturity, gross gain			0
Held to maturity, gross loss			0
Held to maturity, net gain (loss)			$ 0

Note 4 - Related Party Transa_2

Note 4 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable, Related Parties, Ending Balance	$ 15,519	$ 15,118
Loans and Leases Receivable, Related Parties, Additions	10,649	6,152
Loans and Leases Receivable, Related Parties, Proceeds	10,248	6,372
Related Party Deposit Liabilities	16,140	7,176
Director [Member] | Small Office Space Lease to Related Party [Member]
Revenue from Related Parties	5	5
Director [Member] | Payments for Architectural Plans [Member]
Related Party Transaction, Amounts of Transaction	$ 66	$ 28

Note 5 - Allowance for Loan L_3

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Ratio of Allowance for Loan Losses to End of Period Loans, Excluding PPP Loans	1.16%
Mortgage Loans in Process of Foreclosure, Amount	$ 261
Interest and Fee Income, Loans and Leases, Total	$ 34,523	$ 33,869	$ 31,333
Threshold Period for Considering Loans as Special Mention or Classified (Day)	75 days
Financing Receivable, Modifications, Number of Contracts	0	1	13
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0
Number of Loan Modifications for COVID-19 Related Accommodations	388
Principal Balance of Loans with COVID-19 Related Accommodations	$ 182,829
Financing Receivable, Number of Principal and Interest Payment Deferrals	75
Financing Receivable, Principal and Interest Deferred Payments	$ 43,576
Financing Receivable, Number Deferrals in Modification	15
Financing Receivable, Deferred Payments in Modification	$ 38,935
Special Mention [Member]
Increase in Percentage of Allocation Loans Rated Special Mention	50.00%
Classified Excluding Impaired [Member]
Increase in Percentage of Allocation Loans Rated Classified	100.00%
Nonperforming Financial Instruments [Member]
Interest and Fee Income, Loans and Leases, Total	$ 0	$ 0	$ 0
Residential Portfolio Segment [Member]
Other Real Estate, Ending Balance	$ 110
Consumer Portfolio Segment [Member]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts		7
Financing Receivable, Troubled Debt Restructuring		$ 263
Commercial Portfolio Segment [Member]
Financing Receivable, Number of Principal and Interest Payment Deferrals	17
Financing Receivable, Principal and Interest Deferred Payments	$ 39,402

Note 5 - Allowance for Loan L_4

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 6,863	$ 7,390	$ 7,925
Charge-offs	(720)	(920)	(689)
Recoveries	347	267	235
Provision for (recovery of) loan losses	1,991	126	(81)
Balance	8,481	6,863	7,390
Real Estate Construction Portfolio Segment[Member]
Balance	400	398	337
Provision for (recovery of) loan losses	103	2	61
Balance	503	400	398
Consumer Real Estate Portfolio Segment [Member]
Balance	1,895	2,049	2,027
Charge-offs	(85)	(192)	(38)
Recoveries	18		3
Provision for (recovery of) loan losses	337	38	57
Balance	2,165	1,895	2,049
Commercial Real Estate Portfolio Segment [Member]
Balance	2,559	2,798	3,044
Charge-offs	(15)	(150)
Recoveries	145	49	49
Provision for (recovery of) loan losses	1,164	(138)	(295)
Balance	3,853	2,559	2,798
Commercial Non Real Estate Segment [Member]
Balance	555	602	1,072
Charge-offs	(372)	(47)	(107)
Recoveries	9	1	22
Provision for (recovery of) loan losses	478	(1)	(385)
Balance	670	555	602
Public Sector and IDA Portfolio Segment[Member]
Balance	478	583	419
Provision for (recovery of) loan losses	(139)	(105)	164
Balance	339	478	583
Consumer Non Real Estate Portfolio Segment [Member]
Balance	650	750	707
Charge-offs	(248)	(531)	(544)
Recoveries	175	217	161
Provision for (recovery of) loan losses	(22)	214	426
Balance	555	650	750
Unallocated Financing Receivables [Member]
Balance	326	210	319
Provision for (recovery of) loan losses	70	116	(109)
Balance	$ 396	$ 326	$ 210

Note 5 - Allowance for Loan L_5

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allowance for loan losses, individually evaluated for impairment	$ 75	$ 110
Allowance for loan losses, collectively evaluated for impairment	8,406	6,753
Allowance for loan losses	8,481	6,863	$ 7,390	$ 7,925
Loans, individually evaluated for impairment	4,903	5,289
Non-impaired gross loans	765,124	728,738
Loans	770,027	734,027
Consumer Real Estate Portfolio Segment [Member]
Allowance for loan losses, individually evaluated for impairment	2	2
Allowance for loan losses, collectively evaluated for impairment	2,163	1,893
Allowance for loan losses	2,165	1,895	2,049	2,027
Loans, individually evaluated for impairment	194	759
Non-impaired gross loans	181,588	180,713
Loans	181,782	181,472
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses, collectively evaluated for impairment	3,853	2,559
Allowance for loan losses	3,853	2,559	2,798	3,044
Loans, individually evaluated for impairment	3,856	3,608
Non-impaired gross loans	389,259	361,765
Loans	393,115	365,373
Commercial Non Real Estate Segment [Member]
Allowance for loan losses, individually evaluated for impairment	73	108
Allowance for loan losses, collectively evaluated for impairment	597	447
Allowance for loan losses	670	555	602	1,072
Loans, individually evaluated for impairment	851	918
Non-impaired gross loans	77,920	45,658
Loans	78,771	46,576
Consumer Non Real Estate Portfolio Segment [Member]
Allowance for loan losses, individually evaluated for impairment		0
Allowance for loan losses, collectively evaluated for impairment	555	650
Allowance for loan losses	555	650	750	707
Loans, individually evaluated for impairment	2	4
Non-impaired gross loans	33,108	34,535
Loans	33,110	34,539
Real Estate Construction Portfolio Segment[Member]
Allowance for loan losses, collectively evaluated for impairment	503	400
Allowance for loan losses	503	400	398	337
Non-impaired gross loans	42,266	42,303
Loans	42,266	42,303
Public Sector and IDA Portfolio Segment[Member]
Allowance for loan losses, collectively evaluated for impairment	339	478
Allowance for loan losses	339	478	583	419
Non-impaired gross loans	40,983	63,764
Loans	40,983	63,764
Unallocated Financing Receivables [Member]
Allowance for loan losses, collectively evaluated for impairment	396	326
Allowance for loan losses	$ 396	$ 326	$ 210	$ 319

Note 5 - Allowance for Loan L_6

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Ratios of Allowance for Loan Losses (Details)		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs(1)	[1]	1.10%	0.94%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs		0.05%	0.09%
[1]	The ratio of the allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs at December 31, 2020 includes government-guaranteed SBA PPP loans, which do not require an allowance for loan losses. Excluding the PPP loans, the ratio would be 1.16%.

Note 5 - Allowance for Loan L_7

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Nonperforming Assets (Details) - USD ($) $ in Thousands		Dec. 31, 2020		Dec. 31, 2019
Nonaccrual loans		$ 846		$ 164
Restructured loans in nonaccrual		2,839		3,211
Total nonperforming loans		3,685	[1]	3,375	[2]
Other real estate owned, net		1,553		1,612
Total nonperforming assets		$ 5,238		$ 4,987
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		0.68%		0.68%
Ratio of allowance for loan losses to nonperforming loans(1)	[3]	230.15%		203.35%
[1]	Only classes with past due or nonaccrual loans are presented
[2]	Only classes with past-due or nonaccrual loans are shown.
[3]	The Company defines nonperforming loans as total nonaccrual and restructured loans that are nonaccrual. Loans 90 days past due and still accruing and accruing restructured loans are excluded.

Note 5 - Allowance for Loan L_8

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans Past Due 90 Days or More and Impaired Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020		Dec. 31, 2019		Dec. 31, 2018
Loans past due 90 days or more and still accruing		$ 17	[1]	$ 231	[2]
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs		0.00%		0.03%
Accruing restructured loans		$ 1,410		$ 1,729
Impaired loans:
Impaired loans with no valuation allowance	[3]	3,858		4,174
Impaired loans with a valuation allowance	[3]	1,045		1,115
Total impaired loans	[3]	4,903		5,289
Valuation allowance		(75)		(110)
Impaired loans, net of allowance		4,828		5,179
Average recorded investment in impaired loans(1)		5,093	[3]	5,359	[3]	$ 9,788	[4]
Income recognized on impaired loans, after designation as impaired		$ 54		$ 171		$ 250
[1]	Only classes with past due or nonaccrual loans are presented
[2]	Only classes with past-due or nonaccrual loans are shown.
[3]	Only classes with impaired loans are shown.
[4]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 5 - Allowance for Loan L_9

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans and Associated Reserves (Details) - USD ($) $ in Thousands		Dec. 31, 2020		Dec. 31, 2019
Principal balance		$ 5,453		$ 5,757
Total recorded investment	[1]	4,903		5,289
Recorded investment for which there is a related allowance	[1]	1,045		1,115
Related allowance		75		110
Recorded investment for which there is no related allowance	[1]	3,858		4,174
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Principal balance	[1]	194		441
Total recorded investment	[1]	194	[2]	438
Recorded investment for which there is a related allowance	[1]	194	[2]	197
Related allowance	[1]	2		2
Recorded investment for which there is no related allowance	[1]			241
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Principal balance				100
Total recorded investment				100
Related allowance				0
Recorded investment for which there is no related allowance				100
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Principal balance	[1]			221
Total recorded investment	[1]			221
Recorded investment for which there is no related allowance	[1]			221
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Principal balance	[1]	3,752		929
Total recorded investment	[1]	3,202	[2]	895
Recorded investment for which there is no related allowance	[1]	3,202	[2]	895
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Principal balance	[1]	654		2,867
Total recorded investment	[1]	654	[2]	2,435
Recorded investment for which there is no related allowance	[1]	654	[2]	2,435
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Principal balance	[1]			278
Total recorded investment	[1]			278
Recorded investment for which there is no related allowance	[1]			278
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Principal balance	[1]	851		917
Total recorded investment	[1]	851	[2]	918
Recorded investment for which there is a related allowance	[1]	851	[2]	918
Related allowance	[1]	73		108
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Principal balance	[1]	2		4
Total recorded investment	[1]	2	[2]	4
Recorded investment for which there is no related allowance	[1]	$ 2	[2]	$ 4
[1]	Only classes with impaired loans are shown.
[2]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 5 - Allowance for Loan _10

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans, Average Investment and Interest Income (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020		Dec. 31, 2019		Dec. 31, 2018
Average recorded investment in impaired loans(1)		$ 5,093	[1]	$ 5,359	[1]	$ 9,788	[2]
Income recognized on impaired loans, after designation as impaired		54		171		250
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	196		439		808	[2]
Income recognized on impaired loans, after designation as impaired	[1]	13		17		23
Equity Lines [Member] | Consumer Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)				98
Income recognized on impaired loans, after designation as impaired				6
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)				225	[1]	1,202
Income recognized on impaired loans, after designation as impaired				11	[1]	41
Closed End Junior Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Average recorded investment in impaired loans(1)	[3]					159
Closed End Junior Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Income recognized on impaired loans, after designation as impaired	[3]					9
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	3,217		913		3,038	[2]
Income recognized on impaired loans, after designation as impaired	[1]	19		41		75
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	790		2,435		2,744	[2]
Income recognized on impaired loans, after designation as impaired	[1]			59		54
Multifamily Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]			284		491	[2]
Income recognized on impaired loans, after designation as impaired	[1]			12		20
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member]
Average recorded investment in impaired loans(1)	[1]	887		962		1,326	[2]
Income recognized on impaired loans, after designation as impaired	[1]	22		25		27
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	$ 3		$ 3		20	[2]
Income recognized on impaired loans, after designation as impaired	[1]					$ 1
[1]	Only classes with impaired loans are shown.
[2]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[3]	Only classes with past due or nonaccrual loans are presented

Note 5 - Allowance for Loan _11

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands		Dec. 31, 2020		Dec. 31, 2019
Nonaccruals		$ 3,685	[1]	$ 3,375	[2]
Loans past due 90 days or more and still accruing		17	[1]	231	[2]
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Nonaccruals		62	[1]	22	[2]
Loans past due 90 days or more and still accruing	[2]			188
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Nonaccruals	[2]			264
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Nonaccruals		2,941	[1]	514	[2]
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Nonaccruals		654	[1]	2,435	[2]
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Nonaccruals		28	[1]	136	[2]
Loans past due 90 days or more and still accruing	[2]			17
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due 90 days or more and still accruing	[1]	3
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Nonaccruals	[2]			4
Loans past due 90 days or more and still accruing		1	[1]	14	[2]
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days or more and still accruing		13	[1]	12	[2]
Financing Receivables 30 to 89 Days Past Due [Member]
Loans past due and accruing		1,497	[1]	1,070	[2]
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans past due and accruing		365	[1]	499	[2]
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Loans past due and accruing	[1]	106
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Loans past due and accruing	[2]			83
Financing Receivables 30 to 89 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member]
Loans past due and accruing	[1]			19
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans past due and accruing	[1]	15
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Loans past due and accruing	[2]			94
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans past due and accruing		730	[1]	45	[2]
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due and accruing		7	[1]	4	[2]
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due and accruing		144	[1]	256	[2]
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due and accruing		130	[1]	70	[2]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans past due and accruing		1,331	[1]	940	[2]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans past due and accruing		62	[1]	210	[2]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Loans past due and accruing	[2]			264
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans past due and accruing		571	[1]	287	[2]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due and accruing	[1]	654
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans past due and accruing		27	[1]	153	[2]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due and accruing	[1]	3
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due and accruing		1	[1]	14	[2]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due and accruing		$ 13	[1]	$ 12	[2]
[1]	Only classes with past due or nonaccrual loans are presented
[2]	Only classes with past-due or nonaccrual loans are shown.

Note 5 - Allowance for Loan _12

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans by Credit Quality Indicator (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Non-impaired gross loans		$ 765,124	$ 728,738
Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans		42,266	42,303
Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		181,588	180,713
Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans		389,259	361,765
Commercial Non Real Estate Segment [Member]
Non-impaired gross loans		77,920	45,658
Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans		33,108	34,535
Pass [Member]
Non-impaired gross loans	[1]	756,616	727,642
Pass [Member] | States Political Subdivisions [Member]
Non-impaired gross loans		40,983	63,764
Special Mention [Member]
Non-impaired gross loans	[1]	8,035	135
Classified Excluding Impaired [Member]
Non-impaired gross loans	[1]	473	961
Construction, 1-4 Family Residential [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	8,195	7,590
Construction, Other [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	34,071	34,713
Equity Lines [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	13,903	16,435
Closed End First Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		92,241	94,814
Closed End First Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		66
Closed End First Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		284	517
Closed End Junior Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		3,003	3,861
Investor Owned Residential Real Estate [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	71,450	65,063
Investor Owned Residential Real Estate [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	641
Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]		23
Multifamily Real Estate [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	87,455	87,934
Multifamily Real Estate [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	265
Multifamily Real Estate [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]		94
Commercial Real Estate, Owner Occupied [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	146,900	127,937
Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	543
Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	140	164
Commercial Real Estate Other [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	147,436	145,636
Commercial Real Estate Other [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	6,520
Commercial and Industrial [Member] | Pass [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	[1]	77,892	45,387
Commercial and Industrial [Member] | Special Mention [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	[1]		135
Commercial and Industrial [Member] | Classified Excluding Impaired [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	[1]	28	136
Credit Card Receivable [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	4,665	5,703
Automobile Loan [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	12,024	14,810
Automobile Loan [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	6	19
Other Consumer Loans [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	16,398	13,995
Other Consumer Loans [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	$ 15	$ 8
[1]	Excludes impaired, if any.

Note 5 - Allowance for Loan _13

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Restructurings By Class (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Number of contracts		0	1	13
Pre-modification outstanding principal balance			$ 100	$ 4,213
Post-modification outstanding principal balance			$ 100	$ 4,213	[1]
Residential Portfolio Segment [Member] | Equity Lines [Member]
Number of contracts			1
Pre-modification outstanding principal balance			$ 100
Post-modification outstanding principal balance			$ 100
Real Estate Construction Portfolio Segment[Member] | Construction Loans [Member]
Number of contracts				2
Pre-modification outstanding principal balance				$ 2,882
Post-modification outstanding principal balance	[1]			$ 2,882
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Number of contracts				2
Pre-modification outstanding principal balance				$ 715
Post-modification outstanding principal balance	[1]			$ 715
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Number of contracts				1
Pre-modification outstanding principal balance				$ 22
Post-modification outstanding principal balance	[1]			$ 22
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Number of contracts				8
Pre-modification outstanding principal balance				$ 594
Post-modification outstanding principal balance	[1]			$ 594
[1]	Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not reflect balances at the end of the period.

Note 6 - Premises and Equipme_3

Note 6 - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Depreciation, Total	$ 708	$ 739	$ 766

Note 6 - Premises and Equipme_4

Note 6 - Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Premises and Equipment	$ 21,429	$ 19,631
Accumulated depreciation	(11,394)	(10,712)
Premises and equipment, net	10,035	8,919
Building [Member]
Premises and Equipment	14,809	13,331
Furniture and Fixtures [Member]
Premises and Equipment	$ 6,620	$ 6,300

Note 7 - Deposits (Details Text

Note 7 - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Time Deposits, at or Above FDIC Insurance Limit	$ 13,177	$ 22,412
Deposit Liabilities Reclassified as Loans Receivable	$ 39	$ 276

Note 7 - Deposits - Maturities

Note 7 - Deposits - Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
2021	$ 64,320
2022	18,905
2023	2,990
2024	274
2025	3,093
Thereafter	0
Total time deposits	$ 89,582	$ 128,028

Note 8 - Employee Benefit Pla_3

Note 8 - Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	100.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 394	$ 379	$ 364
Age Attained to be Eligible for ESOP (Year)	21 years
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	$ 300	300	300
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares (in shares)	184,503
Age of Employees Required to Diversify Allocated ESOP Shares (Year)	55 years
Years of Plan Participation Required to Diversify Allocated ESOP Shares (Year)	10 years
Percentage of Allocated ESOP Shares That Can be Diversified	50.00%
Accrued Expenses for Salary Continuation Plan	$ 304	$ 270	$ 255
Equity Securities [Member]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	65.00%
Fixed Income Securities [Member]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	35.00%
Hedge Funds [Member]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	0.00%

Note 8 - Employee Benefit Pla_4

Note 8 - Employee Benefit Plans - Defined Benefit Plan Activity (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Fair value of plan assets at beginning of year		$ 25,007
Fair value of plan assets at end of year		32,415	$ 25,007
Pension Plan [Member]
Projected benefit obligation at beginning of year		29,641	23,688	$ 23,492
Service cost (1)	[1]	1,080	801	868
Interest cost		820	884	802
Actuarial loss (gain)		4,621	5,162	(423)
Benefits paid		(1,310)	(894)	(1,051)
Projected benefit obligation at end of year		34,852	29,641	23,688
Fair value of plan assets at beginning of year		25,007	21,786	23,428
Actual return on plan assets		3,718	4,115	(591)
Employer contribution		5,000
Benefits paid		(1,310)	(894)	(1,051)
Fair value of plan assets at end of year		32,415	25,007	21,786
Funded status at the end of the year		(2,437)	(4,634)	(1,902)
Deferred tax asset		512	973	399
Other liabilities		(2,437)	(4,634)	(1,902)
Total amounts recognized in the Consolidated Balance Sheet		(1,925)	(3,661)	(1,503)
Net loss		(12,855)	(10,983)	(9,107)
Prior service cost		11	120	230
Deferred tax asset		2,697	2,281	1,864
Amount recognized		(10,147)	(8,582)	(7,013)
Benefit obligation		(34,852)	(29,641)	(23,688)
Fair value of assets		32,415	25,007	21,789
Unrecognized net actuarial loss		12,855	10,983	9,107
Unrecognized prior service cost		(11)	(120)	(230)
Deferred tax liability		(2,185)	(1,308)	(1,465)
Prepaid benefit cost included in other assets		8,222	4,921	5,510
Expected return on plan assets		(1,679)	(1,461)	(1,601)
Amortization of prior service cost		(110)	(110)	(110)
Recognized net actuarial loss		710	632	585
Net periodic benefit cost		821	746	544
Net loss		1,871	1,876	1,184
Amortization of prior service cost		110	110	110
Deferred income tax benefit		(416)	(417)	(272)
Total recognized		1,565	1,569	1,022
Total recognized in net periodic benefit cost and other comprehensive income		$ 2,802	$ 2,732	$ 1,838
Discount rate used for net periodic pension cost		3.00%	4.00%	3.50%
Discount rate used for disclosure		2.25%	3.00%	4.00%
Expected return on plan assets		7.50%	7.50%	7.50%
Rate of compensation increase		3.00%	3.00%	3.00%
[1]	Cost is included in Salaries and Employee Benefits expense.

Note 8 - Employee Benefit Pla_5

Note 8 - Employee Benefit Plans - Fair Value Measurements (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Fair value, plan assets		$ 32,415	$ 25,007
Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		26,040	19,125
Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		6,375	5,882
Cash [Member]
Fair value, plan assets		4,336	4,350
Cash [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		4,336	4,350
Defined Benefit Plan, Equity Securities, US [Member]
Fair value, plan assets		15,129	11,098
Defined Benefit Plan, Equity Securities, US [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		15,129	11,098
Defined Benefit Plan, Equity Securities, Non-US [Member]
Fair value, plan assets		2,735	2,334
Defined Benefit Plan, Equity Securities, Non-US [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		2,735	2,334
Equity Funds [Member]
Fair value, plan assets	[1]	3,840	1,343
Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets	[1]	3,840	1,343
US States and Political Subdivisions Debt Securities [Member]
Fair value, plan assets		152	202
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		152	202
Corporate Debt Securities [Member]
Fair value, plan assets	[2]	6,223	5,680
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets	[2]	$ 6,223	$ 5,680
[1]	This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies.
[2]	This category represents investment grade bonds of U.S. issuers from diverse industries.

Note 8 - Employee Benefit Pla_6

Note 8 - Employee Benefit Plans - Expected Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2020USD ($)
2021	$ 5,235
2022	1,436
2023	992
2024	1,823
2025	839
2026 - 2030	$ 10,725

Note 9 - Income Taxes - Allocat

Note 9 - Income Taxes - Allocation of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current	$ 2,795	$ 2,682	$ 2,942
Deferred income tax expense (benefit)	282	529	(382)
Total income tax expense	$ 3,077	$ 3,211	$ 2,560

Note 9 - Income Taxes - Reconci

Note 9 - Income Taxes - Reconciliation of Expected Income Tax Expense With Reported Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Computed "expected" income tax expense	$ 4,021	$ 4,342	$ 3,929
Tax-exempt interest income	(798)	(1,019)	(1,255)
Nondeductible interest expense	62	96	69
Other, net	(208)	(208)	(183)
Total income tax expense	$ 3,077	$ 3,211	$ 2,560

Note 9 - Income Taxes - Compone

Note 9 - Income Taxes - Components of Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred tax assets:
Allowance for loan losses and unearned fee income	$ 1,938	$ 1,597
Valuation allowance on other real estate owned	188	186
Defined benefit plan	2,697	2,281
Deferred compensation and other liabilities	866	848
Lease accounting	423	480
SBA fees	191	0
Total deferred tax assets	6,303	5,392
Deferred tax liabilities:
Fixed assets	(424)	(438)
Goodwill and deposit intangibles	(1,228)	(1,228)
Defined benefit plan, prepaid portion	(2,186)	(1,308)
Net unrealized gain on securities available for sale	(3,500)	(20)
Lease accounting	(419)	(478)
Discount accretion of securities	(15)	(43)
Total deferred tax liabilities	(7,772)	(3,515)
Net deferred tax assets (liabilities)	$ (1,469)
Net deferred tax assets (liabilities)		$ 1,877

Note 10 - Restrictions on Div_2

Note 10 - Restrictions on Dividends (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries	$ 22,000	$ 28,556	$ 9,419
Period of Restriction on Retained Net Income Without Prior Approval (Year)	2 years
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 0

Note 11 - Minimum Regulatory _3

Note 11 - Minimum Regulatory Capital Requirement (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
National Bank of Blacksburg [Member]
Banking Regulation, Risk-Weighted Assets, Actual	$ 932,364	$ 816,962

Note 11 - Minimum Regulatory _4

Note 11 - Minimum Regulatory Capital Requirement - Minimum Capital Requirements (Details) - National Bank of Blacksburg [Member] $ in Thousands		Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Total capital (to risk weighted assets), actual, amount		$ 185,937	$ 188,946
Total capital (to risk weighted assets), actual, ratio		0.19943	0.23128
Total capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 97,898	$ 85,781
Total capital (to risk weighted assets), minimum capital requirement, ratio	[1]	0.10500	0.10500
Total capital (to risk weighted assets), minimum to be well capitalized, amount		$ 93,236	$ 81,696
Total capital (to risk weighted assets), minimum to be well capitalized, ratio		0.10000	0.10000
Tier 1 capital (to risk weighted assets), actual, amount		$ 177,409	$ 182,044
Tier 1 capital (to risk weighted assets), actual, ratio		0.19028	0.22283
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 79,251	$ 69,442
Tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	[1]	0.08500	0.08500
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount		$ 74,589	$ 65,357
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio		0.08000	0.08000
Common equity tier 1 capital (to risk weighted assets), actual, amount		$ 177,409	$ 182,044
Common equity tier 1 capital (to risk weighted assets), actual, ratio		0.19028	0.22283
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 65,265	$ 57,187
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	[1]	7.00%	7.00%
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount		$ 60,604	$ 53,103
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio		6.50%	6.50%
Tier 1 capital (to average assets), actual, amount		$ 177,409	$ 182,044
Tier 1 capital (to average assets), actual, ratio		0.12105	0.14175
Tier 1 capital (to average assets), minimum capital requirement, amount	[1]	$ 58,624	$ 51,371
Tier 1 capital (to average assets), minimum capital requirement, ratio	[1]	0.04000	0.04000
Tier 1 capital (to average assets), minimum to be well capitalized, amount		$ 73,281	$ 64,213
Tier 1 capital (to average assets), minimum to be well capitalized, ratio		0.05000	0.05000
[1]	Except with regard to NBB’s Tier 1 capital to average assets ratio, the minimum capital requirement includes the Basel III Capital Rules’ capital conservation buffer (2.50%) which is added to the minimum capital requirements for capital adequacy purposes. NBB’s capital conservation buffer consists of additional CET1 above regulatory minimum requirement. Failure to maintain the prescribed levels would result in limitations on capital distributions and discretionary bonuses to executives.

Note 12 - Condensed Financial_3

Note 12 - Condensed Financial Statements of Parent Company - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 13,147		$ 10,290
Interest-bearing deposits	120,725		76,881
Investments in subsidiaries	189,667		183,056
Other assets	17,688		14,459
Total assets	1,519,673		1,321,837
Liabilities and Stockholders’ Equity
Other liabilities	21,867		18,214
Stockholders’ equity	200,607	$ 202,194	183,726	$ 190,238	$ 184,896
Total liabilities and stockholders’ equity	1,519,673		1,321,837
Parent Company [Member]
Assets
Cash and due from banks	987		57
Interest-bearing deposits	10,027		623
Refundable income taxes	446		423
Other assets	791		880
Total assets	201,918		185,039
Liabilities and Stockholders’ Equity
Other liabilities	1,311		1,313
Stockholders’ equity	200,607		183,726
Total liabilities and stockholders’ equity	$ 201,918		$ 185,039

Note 12 - Condensed Financial_4

Note 12 - Condensed Financial Statements of Parent Company - Condensed Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income
Other income	$ 1,093	$ 1,346	$ 806
Expenses
Income before income tax benefit and equity in undistributed net income of subsidiaries	19,154	20,677	18,711
Applicable income tax benefit	3,077	3,211	2,560
Net income	16,077	17,466	16,151
Parent Company [Member]
Income
Dividends from subsidiaries	22,000	28,556	9,419
Other income	4	18	10
Total income	22,004	28,574	9,429
Expenses
Other expenses	1,179	1,025	1,244
Income before income tax benefit and equity in undistributed net income of subsidiaries	20,825	27,549	8,185
Applicable income tax benefit	301	266	308
Income before equity in undistributed net income of subsidiaries	21,126	27,815	8,493
Equity (deficit) in undistributed net income of subsidiaries	(5,049)	(10,349)	7,658
Net income	$ 16,077	$ 17,466	$ 16,151

Note 12 - Condensed Financial_5

Note 12 - Condensed Financial Statements of Parent Company - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities
Net income	$ 16,077	$ 17,466	$ 16,151
Adjustment to reconcile net income to net cash provided by operating activities:
Other assets	(132)	(1,340)	2,899
Net change in other liabilities	203	2,465	404
Net cash provided by operating activities	13,793	18,832	19,796
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(43,844)	(33,390)	7,742
Net cash used in investing activities	(177,604)	(61,678)	(3,629)
Cash Flows from Financing Activities
Cash dividends paid	(9,000)	(9,032)	(8,419)
Shares repurchased	(1,722)	(18,525)
Net cash provided by (used in) financing activities	166,668	40,254	(16,211)
Parent Company [Member]
Cash Flows from Operating Activities
Net income	16,077	17,466	16,151
Adjustment to reconcile net income to net cash provided by operating activities:
Deficit (equity) in undistributed net income of subsidiaries	(5,049)	(10,349)	7,658
Net change in refundable income taxes due from subsidiaries	(23)	(27)	(228)
Other assets	(45)	(173)	(109)
Net change in other liabilities	(2)	221	115
Net cash provided by operating activities	21,056	27,836	8,271
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(9,404)	(266)	146
Net cash used in investing activities	(9,404)	(266)	146
Cash Flows from Financing Activities
Cash dividends paid	(9,000)	(9,032)	(8,419)
Shares repurchased	(1,722)	(18,525)	0
Net cash provided by (used in) financing activities	(10,722)	(27,557)	(8,419)
Net change in cash	930	13	(2)
Cash due from subsidiaries at beginning of year	57	44	46
Cash due from subsidiaries at end of year	$ 987	$ 57	$ 44

Note 13 - Financial Instrumen_3

Note 13 - Financial Instruments With Off-balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Payments for Origination of Mortgage Loans Held-for-sale	$ 39,647	$ 21,032	$ 12,626
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Cost of Mortgage Sold	$ 40,362	20,496
Potential Default Period After Sale of Loans to Investor (Month)	12 months
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance, Ending Balance	$ 866	$ 905
Cash, Uninsured Amount	18
Interest Rate Lock Commitments [Member]
Other Commitment, Total	$ 400

Note 13 - Financial Instrumen_4

Note 13 - Financial Instruments With Off-balance Sheet Risk - Financial Instruments Outstanding Representing Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Commitments to Extend Credit [Member]
Off balance sheet liability, amount	$ 178,341	$ 158,859
Standby Letters of Credit 1 [Member]
Off balance sheet liability, amount	13,474	15,212
Interest Rate Lock Commitments [Member]
Off balance sheet liability, amount	$ 40,362	$ 20,496

Note 14 - Concentrations of C_2

Note 14 - Concentrations of Credit Risk (Details Textual) - Credit Concentration Risk [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Commercial Real Estate Loans [Member]
Concentration Risk, Percentage	51.00%	50.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 393,115	$ 365,373
College Housing and Professional Office Buildings [Member]
Concentration Risk, Percentage	25.00%	25.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 189,421	$ 181,705
Residential [Member]
Concentration Risk, Percentage	24.00%	25.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 181,782	$ 181,472

Note 15 - Fair Value Measurem_3

Note 15 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans Held-for-sale [Member] | Changes Measurement [Member] | Fair Value, Nonrecurring [Member]
Assets, Fair Value Adjustment	$ 0	$ 0

Note 15 - Fair Value Measurem_4

Note 15 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Securities available for sale	$ 546,742	$ 435,263
Fair Value, Inputs, Level 2 [Member]
Securities available for sale	546,742	435,263
US Government Agencies Debt Securities [Member]
Securities available for sale	91,163	121,123
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	91,163	121,123
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale	203,961	88,239
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	203,961	88,239
Collateralized Mortgage Backed Securities [Member]
Securities available for sale	249,175	221,783
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	249,175	221,783
Corporate Debt Securities [Member]
Securities available for sale	2,443	4,118
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	$ 2,443	$ 4,118

Note 15 - Fair Value Measurem_5

Note 15 - Fair Value Measurements - Interest Rate Loan Contracts and Forward Contracts Fair Value Measurement (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Interest Rate Contract [Member] | Reported Value Measurement [Member]
Interest rate loan contracts	$ 1	$ 1
Interest Rate Contract [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Interest rate loan contracts	1
Interest Rate Contract [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Interest rate loan contracts		1
Forward Contracts [Member] | Reported Value Measurement [Member]
Forward contracts		(4)
Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Forward contracts	(11)	$ (4)
Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Forward contracts	$ (11)

Note 15 - Fair Value Measurem_6

Note 15 - Fair Value Measurements - Change in Fair Value Measurement Impacts Net Income (Details) - Valuation, Market Approach [Member] - Current Reference Price [Member]	Dec. 31, 2020	Dec. 31, 2019
Interest Rate Contract [Member] | Minimum [Member]
Derivative asset (liability)	1.0191	1.0149
Derivative asset (liability)	(1.0191)	(1.0149)
Interest Rate Contract [Member] | Maximum [Member]
Derivative asset (liability)	1.0302	1.0206
Derivative asset (liability)	(1.0302)	(1.0206)
Forward Contract [Member] | Minimum [Member]
Derivative asset (liability)	1.0191	1.0149
Derivative asset (liability)	(1.0191)	(1.0149)
Forward Contract [Member] | Maximum [Member]
Derivative asset (liability)	1.0319	1.0328
Derivative asset (liability)	(1.0319)	(1.0328)

Note 15 - Fair Value Measurem_7

Note 15 - Fair Value Measurements - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Impaired loans net of valuation allowance	$ 970	$ 1,005
Other real estate owned net of valuation allowance	1,553	1,612
Fair Value, Inputs, Level 3 [Member]
Impaired loans net of valuation allowance	970	1,005
Other real estate owned net of valuation allowance	$ 1,553	$ 1,612

Note 15 - Fair Value Measurem_8

Note 15 - Fair Value Measurements - Level 3 Fair Value Measurements (Details) - Valuation, Market Approach [Member]		Dec. 31, 2020	Dec. 31, 2019
Measurement Input, Discount Rate [Member] | Minimum [Member]
Discount rate	[1]	0.0550	0.0550
Measurement Input, Discount Rate [Member] | Maximum [Member]
Discount rate	[1]	0.0650	0.0650
Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Discount rate	[1]	(0.0578)	(0.0577)
Measurement Input, Cost to Sell [Member] | Maximum [Member]
Level 3 Fair Value Measurements	[2]	0.0923	0.0600
Measurement Input, Cost to Sell [Member] | Weighted Average [Member]
Level 3 Fair Value Measurements	[2]	(0.0454)	(0.0068)
Measurement Input, Discount for Lack of Marketability and Age of Appraisal [Member] | Minimum [Member]
Level 3 Fair Value Measurements	[2]	0	0
Measurement Input, Discount for Lack of Marketability and Age of Appraisal [Member] | Maximum [Member]
Level 3 Fair Value Measurements	[2]	0.0766	0.4517
Measurement Input, Discount for Lack of Marketability and Age of Appraisal [Member] | Weighted Average [Member]
Level 3 Fair Value Measurements	[2]	(0.0062)	(0.0128)
[1]	Unobservable inputs were weighted by the relative fair value of the impaired loans.
[2]	Discounts were weighted by the relative appraised value of the OREO properties

Note 15 - Fair Value Measurem_9

Note 15 - Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Reported Value Measurement [Member]
Cash and due from banks	$ 13,147	$ 10,290
Interest-bearing deposits	120,725	76,881
Securities	546,742	435,263
Restricted securities	1,279	1,220
Mortgage loans held for sale	866	905
Loans, net	760,318	726,588
Accrued interest receivable	5,028	4,285
Bank-owned life insurance	36,444	35,567
Deposits	1,297,143	1,119,753
Accrued interest payable	56	144
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	13,147	10,290
Interest-bearing deposits	120,725	76,881
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Securities	546,742	435,263
Restricted securities	1,279	1,220
Mortgage loans held for sale	866	905
Accrued interest receivable	5,028	4,285
Bank-owned life insurance	36,444	35,567
Deposits	1,207,561	991,725
Accrued interest payable	56	144
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Loans, net	752,624	718,299
Deposits	$ 89,681	$ 128,011

Note 16 - Components of Accum_3

Note 16 - Components of Accumulated Other Comprehensive Income (Loss) - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 183,726	$ 190,238	$ 184,896
Transfer from held to maturity to available for sale securities, net of tax			891
Less amortization of prior service cost included in net periodic pension cost, net of tax	(87)	(87)	(86)
Balance	200,607	183,726	190,238
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
Balance	76	(5,072)	(3,704)
Unrealized holding gain (loss) on available for sale securities, net of tax	13,176	5,595	(2,246)
Transfer from held to maturity to available for sale securities, net of tax			891
Reclassification adjustment, net of tax	(85)	(447)	(13)
Balance	13,167	76	(5,072)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(8,582)	(7,013)	(5,991)
Net pension gain (loss) arising during the period, net of tax	(1,478)	(1,482)	(936)
Less amortization of prior service cost included in net periodic pension cost, net of tax	(87)	(87)	(86)
Balance	(10,147)	(8,582)	(7,013)
AOCI Attributable to Parent [Member]
Balance	(8,506)	(12,085)	(9,695)
Unrealized holding gain (loss) on available for sale securities, net of tax	13,176	5,595	(2,246)
Transfer from held to maturity to available for sale securities, net of tax			891
Reclassification adjustment, net of tax	(85)	(447)	(13)
Net pension gain (loss) arising during the period, net of tax	(1,478)	(1,482)	(936)
Less amortization of prior service cost included in net periodic pension cost, net of tax	(87)	(87)	(86)
Balance	$ 3,020	$ (8,506)	$ (12,085)

Note 16 - Components of Accum_4

Note 16 - Components of Accumulated Other Comprehensive Income (Loss) - Components of Accumulated Other Comprehensive Income (Loss) (Details) (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Unrealized holding gain (loss) on available for sale securities, tax			$ (595)
Transfer from held to maturity to available for sale securities, tax			237
Reclassification adjustment for gain included in net income, taxes	$ (23)
Net pension gain (loss) arising during the period, taxes	(393)	$ (394)	(249)
Amortization of prior service cost included in net periodic pension cost, tax	(23)	(23)	(24)
AOCI Attributable to Parent [Member]
Unrealized holding gain (loss) on available for sale securities, tax	$ 3,502	1,486
Reclassification adjustment for gain included in net income, taxes		$ (119)	$ (4)

Note 16 - Components of Accum_5

Note 16 - Components of Accumulated Other Comprehensive Income (Loss) - Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income tax benefit		$ 23	$ 119	$ 4
Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss		(85)	(447)	(13)
Income tax benefit		23	23	24
Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss		(87)	(87)	(86)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Realized securities gain, net		(108)	(566)	(17)
Income tax benefit		(23)	(119)	(4)
Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss		(85)	(447)	(13)
Prior service costs(1)	[1]	(110)	(110)	(110)
Income tax benefit		(23)	(23)	(24)
Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss		$ (87)	$ (87)	$ (86)
[1]	This accumulated other comprehensive income (loss) component is included in the computation of net periodic benefit cost. (For additional information, see Note 8, Employee Benefit Plans.)

Note 18 - Revenue Recognition -

Note 18 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Noninterest Income (in-scope of Topic 606)	$ 5,654	$ 6,154	$ 6,266
Noninterest Income (out-of-scope of Topic 606)	2,290	2,636	1,463
Total noninterest income	7,944	8,790	7,729
Deposit Account [Member]
Noninterest Income (in-scope of Topic 606)	1,966	2,453	2,678
Product and Service, Other [Member]
Noninterest Income (in-scope of Topic 606)	162	198	132
Credit and Debit Card [Member]
Noninterest Income (in-scope of Topic 606)	1,400	1,398	1,431
Fiduciary and Trust [Member]
Noninterest Income (in-scope of Topic 606)	1,662	1,622	1,565
Insurance and Investment [Member]
Noninterest Income (in-scope of Topic 606)	$ 464	$ 483	$ 460

Note 19 - Leases - Lease Inform

Note 19 - Leases - Lease Information and Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Right-of-use asset	$ 1,998	$ 2,277
Weighted average remaining lease term (in years) (Year)	6 years 9 months 21 days	6 years 10 months 24 days
Weighted average discount rate	3.04%	3.02%
Operating lease expense	$ 368	$ 310
Short-term lease expense	2	114
Total lease expense	370	424
Cash paid for amounts included in lease liabilities	360	414
Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period	24	1,837
Other Liabilities [Member]
Lease liability	$ 2,016	$ 2,286

Note 19 - Leases - Lease Liabil

Note 19 - Leases - Lease Liability Maturity Schedule (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Twelve months ending December 31, 2021	$ 363
Twelve months ending December 31, 2022	352
Twelve months ending December 31, 2023	352
Twelve months ending December 31, 2024	334
Twelve months ending December 31, 2025	244
Thereafter	604
Total undiscounted cash flows	2,249
Less: discount	(233)
Other Liabilities [Member]
Lease liability	$ 2,016	$ 2,286