National Bankshares (NKSH) 10-K 11 Mar 22 2021 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 08, 2022	Jun. 30, 2021
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	2021
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
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			$ 216,013,731
Entity Common Stock, Shares Outstanding		6,022,752
Auditor Name	Yount, Hyde & Barbour, P.C.
Auditor Location	Winchester, VA
Auditor Firm ID	613
ICFR Auditor Attestation Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 8,768	$ 13,147
Interest-bearing deposits	130,021	120,725
Securities available for sale, at fair value	686,080	546,742
Restricted stock	845	1,279
Mortgage loans held for sale	615	866
Loans:
Gross loans	803,729	770,027
Less unearned income and deferred fees and costs	(481)	(1,228)
Loans, net of unearned income and deferred fees and costs	803,248	768,799
Less allowance for loan losses	(7,674)	(8,481)
Loans, net	795,574	760,318
Premises and equipment, net	9,722	10,035
Accrued interest receivable	5,104	5,028
Other real estate owned, net	957	1,553
Goodwill	5,848	5,848
Bank-owned life insurance (BOLI)	42,354	36,444
Other assets	16,287	17,688
Total assets	1,702,175	1,519,673
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	317,430	276,793
Interest-bearing demand deposits	890,124	763,293
Savings deposits	208,065	167,475
Time deposits	78,968	89,582
Total deposits	1,494,587	1,297,143
Accrued interest payable	48	56
Other liabilities	15,789	21,867
Total liabilities	1,510,424	1,319,066
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, 6,063,937 shares at December 31, 2021 and 6,432,020 at December 31, 2020	7,580	8,040
Retained earnings	188,229	189,547
Accumulated other comprehensive (loss) income, net	(4,058)	3,020
Total stockholders’ equity	191,751	200,607
Total liabilities and stockholders’ equity	1,702,175	1,519,673
Real Estate Construction Portfolio Segment[Member]
Loans:
Gross loans	48,841	42,266
Less allowance for loan losses	(422)	(503)
Consumer Real Estate Portfolio Segment [Member]
Loans:
Gross loans	208,977	181,782
Less allowance for loan losses	(1,930)	(2,165)
Commercial Real Estate Portfolio Segment [Member]
Loans:
Gross loans	405,722	393,115
Less allowance for loan losses	(3,121)	(3,853)
Commercial Non Real Estate Segment [Member]
Loans:
Gross loans	60,264	78,771
Less allowance for loan losses	(1,099)	(670)
Public Sector and IDA Portfolio Segment[Member]
Loans:
Gross loans	47,899	40,983
Less allowance for loan losses	(297)	(339)
Consumer Non Real Estate Portfolio Segment [Member]
Loans:
Gross loans	32,026	33,110
Less allowance for loan losses	$ (444)	$ (555)

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
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)	6,063,937	6,432,020
Common stock, shares outstanding (in shares)	6,063,937	6,432,020

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Interest Income
Interest and fees on loans	$ 34,923	$ 34,523
Interest on interest-bearing deposits	170	276
Interest and dividends on securities – taxable	7,960	7,383
Interest on securities – nontaxable	1,934	1,826
Total interest income	44,987	44,008
Interest Expense
Interest on deposits	3,098	5,837
Net interest income	41,889	38,171
Provision for (recovery of) loan losses	(398)	1,991
Net interest income after provision for (recovery of) loan losses	42,287	36,180
Noninterest Income:
Noninterest Income	6,653	5,654
BOLI income	910	877
Gain on sale of mortgage loans	364	676
Other income	1,261	1,093
Realized securities gains, net	6	108
Total noninterest income	8,426	7,944
Noninterest Expense
Salaries and employee benefits	15,747	14,674
Occupancy, furniture and fixtures	1,842	1,795
Data processing and ATM	3,039	3,088
FDIC assessment	422	198
Net costs of other real estate owned	51	39
Franchise taxes	1,425	1,340
Other operating expenses	3,554	3,836
Total noninterest expense	26,080	24,970
Income before income taxes	24,633	19,154
Income tax expense	4,251	3,077
Net income	$ 20,382	$ 16,077
Basic and fully diluted net income per common share (in dollars per share)	$ 3.28	$ 2.48
Deposit Account [Member]
Noninterest Income:
Noninterest Income	$ 2,045	$ 1,966
Product and Service, Other [Member]
Noninterest Income:
Noninterest Income	179	162
Credit and Debit Card [Member]
Noninterest Income:
Noninterest Income	1,869	1,400
Fiduciary and Trust [Member]
Noninterest Income:
Noninterest Income	$ 1,792	$ 1,662

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Net income	$ 20,382	$ 16,077
Other Comprehensive (Loss) Income, Net of Tax
Unrealized holding (loss) gain on available for sale securities net of tax of ($2,740) in 2021 and $3,502 in 2020	(10,308)	13,176
Reclassification adjustment for gain included in net income, net of tax of ($1) in 2021 and ($23) in 2020	(5)	(85)
Net pension gain (loss) arising during the period, net of tax of $862 in 2021 and ($393) in 2020	3,244	(1,478)
Less amortization of prior service cost included in net periodic pension cost, net of tax of ($2) in 2021 and ($23) in 2020	(9)	(87)
Other comprehensive (loss) income, net of tax of ($1,881) in 2021 and $3,063 in 2020	(7,078)	11,526
Total Comprehensive Income	$ 13,304	$ 27,603

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Unrealized holding gain (loss) on available for sale securities, tax	$ (2,740)	$ 3,502
Reclassification adjustment for gain included in net income, tax	(1)	(23)
Net pension gain (losses) arising during the period, tax	862	(393)
Amortization of prior service cost included in net periodic pension cost, tax	(2)	(23)
Other comprehensive income (loss), tax	$ (1,881)	$ 3,063

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, 2019	$ 8,112	$ 184,120	$ (8,506)	$ 183,726
Net income	0	16,077	0	16,077
Other comprehensive income (loss), net of tax	0	0	11,526	11,526
Cash dividend	0	(9,000)	0	(9,000)
Stock repurchase	(72)	(1,650)	0	(1,722)
Balance at Dec. 31, 2020	8,040	189,547	3,020	200,607
Net income	0	20,382	0	20,382
Other comprehensive income (loss), net of tax	0	0	(7,078)	(7,078)
Cash dividend	0	(8,806)	0	(8,806)
Stock repurchase	(460)	(12,894)	0	(13,354)
Balance at Dec. 31, 2021	$ 7,580	$ 188,229	$ (4,058)	$ 191,751

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Other comprehensive income (loss), tax	$ (1,881)	$ 3,063
Cash dividend, per share (in dollars per share)	$ 1.44	$ 1.39
Stock repurchase, shares (in shares)	368,083	57,554

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cash Flows from Operating Activities
Net income	$ 20,382	$ 16,077
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for (recovery of) loan losses	(398)	1,991
Deferred income tax expense	152	282
Depreciation of premises and equipment	636	708
Amortization of premiums and accretion of discounts, net	1,688	1,455
Gain on disposal of fixed assets	0	(2)
Gain on calls and sales of securities available for sale, net	(6)	(108)
Loss (gain) and write-down on other real estate owned	25	(13)
Loss on sale of repossessed assets	0	1
Income on investment in BOLI	(910)	(877)
Gain on sale of mortgage loans held for sale	(364)	(676)
Origination of mortgage loans held for sale	(17,672)	(39,647)
Sale of mortgage loans held for sale	18,287	40,362
Contribution to defined benefit plan	0	(5,000)
Net change in:
Accrued interest receivable	(76)	(743)
Other assets	1,661	(132)
Accrued interest payable	(8)	(88)
Other liabilities	(515)	203
Net cash provided by operating activities	22,882	13,793
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(9,296)	(43,844)
Proceeds from repayments of mortgage-backed securities	44,881	18,068
Proceeds from calls, sales and maturities of securities available for sale	20,377	126,840
Purchases of securities available for sale	(219,331)	(241,164)
Net change in restricted stock	434	(59)
Purchases of loan participations	(25,167)	(11,404)
Collections of loan participations	15,191	207
Loan originations and principal collections, net	(25,289)	(24,875)
Proceeds from disposal of other real estate owned	621	72
Proceeds from disposal of repossessed assets	11	30
Recoveries on loans charged off	346	347
Purchase of BOLI	(5,000)	0
Additions to premises and equipment	(323)	(1,824)
Proceeds from sale of premises and equipment	0	2
Net cash used in investing activities	(202,545)	(177,604)
Cash Flows from Financing Activities
Net change in time deposits	(10,614)	(38,446)
Net change in other deposits	208,058	215,836
Cash dividends paid	(8,806)	(9,000)
Shares repurchased	(13,354)	(1,722)
Net cash provided by financing activities	175,284	166,668
Net change in cash and due from banks	(4,379)	2,857
Cash and due from banks at beginning of year	13,147	10,290
Cash and due from banks at end of year	8,768	13,147
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowed funds	3,106	5,925
Income taxes paid	3,180	3,860
Supplemental Disclosures of Noncash Activities
Loans charged against the allowance for loan losses	755	720
Loans transferred to other real estate owned	50	0
Loans transferred to repossessed assets	11	4
Unrealized (loss) gain on securities available for sale	(13,054)	16,570
Minimum pension liability adjustment	4,095	(1,981)
Lease liabilities arising from obtaining right-of-use assets during the period	$ 0	$ 24

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
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. 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 The Company follows the accounting guidance related to recognition and presentation of other–than-temporary impairment (“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. 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 Bank’s loan policy is updated and approved by the Board of Directors annually and disseminated to lending and loan portfolio management personnel to ensure consistent lending practices. The policy communicates the Company’s risk tolerance by prescribing underwriting guidelines and procedures, including approval limits and hierarchy, documentation standards, requirements for collateral and loan-to-value limits, debt coverage, overall creditworthiness and guarantor support. Of primary consideration is the repayment ability of the borrowers and (if secured) the collateral value in relation to the principal balance. Collateral lowers risk and may The Company’s loans are grouped into six Real Estate Construction Loans. may not may may Consumer Real Estate Loans. first 80% 43% Consumer real estate mortgages may fifth Home equity loans are secured primarily by second 80% not We do not may Commercial Real Estate Loans. first 80% 115% may may Commercial Non-Real Estate Loans. 60% 90% 70% 90 Included within this category are SBA PPP loans. The Bank provided qualifying customers with small business loans to pay payroll and other qualifying expenses. The vast majority of the Bank’s PPP loans have been repaid. Public Sector and IDA Loans. Consumer Non-Real Estate Loans. Past Due Status and Nonaccrual Designation 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 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. Accrued interest is reversed against income when a loan is placed in nonaccrual status. Any interest payments received during a loan’s nonaccrual period are credited to the principal balance of the loan. Nonaccrual loans that are not may six Allowance for Loan Losses The allowance for loan losses is an estimate of probable losses inherent in the loan portfolio. The allowance is funded by the provision for loan losses, reduced by charge-offs of loans and increased by recoveries of previously charged-off loans. The determination of the allowance is based on two 450 20 310 10 Impaired loans Impaired loans are larger non-homogeneous loans for which there is a probability that collection of principal or interest will not one three 1 2 3 The estimated fair value is compared with the loan’s recorded investment (unpaid principal net of any interest payments made by the borrower during the nonaccrual period and net of any partial charge-offs, accrued interest and deferred fees and costs). Any amount of recorded investment that exceeds estimated fair value on collateral-dependent loans, as well as any other impairment loss considered uncollectible, is charged against the allowance for loan losses. Fair value shortfalls that are not not no not Collectively-evaluated loans 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 historical loss rates, internal risk ratings, delinquency and nonperforming rates, product mix, changes in loan policies and procedures, changes in loan review systems, changes in economic conditions, changes in management experience, industry trends, interest rate trends and changes in the competitive, legal and regulatory environment. Charge-off policy 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 Credit quality indicators 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. Credit quality is rated based on the loan’s payment history, the borrower’s current financial situation and value of the underlying collateral. Loans that do not 75 75 TDRs When the Company grants a concession to a borrower for economic or legal reasons related to a borrower’s financial condition, the loan is classified a TDR. When the Company grants a subsequent modification to a loan that had previously been modified but 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 2021 September 30, 2021. The Company’s goodwill impairment analysis considered three first second third no second third September 30, 2021, 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 other comprehensive (loss) 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. During 2021 2020, The following shows the weighted average number of shares used in computing earnings per common share for the years indicated. 2021 2020 Average number of common shares outstanding 6,209,929 6,483,230 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 $112 for the year ended December 31, 2021 December 31, 2020. 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, evaluation of impairment of goodwill, and pension obligations. 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 Effective November 25, 2019, 119. 119 326, 1 2 3 4 In March 2020, No. 2020 04 848 March 12, 2020 December 31, 2022. January 2021, No. 2021 01 848 848 848 may No. 2021 01 March 12, 2020, January 7, 2021, may No. 2021 01 March 12, 2020, March 12, 2020. Recently Adopted Accounting Developments In December 2019, 2019 12, 740 740 2019 12 January 1, 2021. 2019 12 not In January 2020, 2020 01, 321 323 815 321, 323, 815.” 2020 01 2020 01 January 1, 2021. 2020 01 not In October 2020, 2020 08, 310 20, 310 20 35 33 2020 08 January 1, 2021. 2020 08 not In December 2020, 541 first 19 In August 2021, 2021 06, 205 942 946 No. 33 10786, No. 33 10835, No. 33 10786, No. 33 10835, 2021 06 not Risks and Uncertainties Since the beginning of 2020, 19 not 19 Financial position and results of operations During 2020, 19 two 2021, 19 may Low interest rates since the beginning of the pandemic, financial aid to consumers provided by the CARES Act and the CAA, increased demand and supply chain bottlenecks have resulted in historically high levels of inflation. Potential future increases in interest rates to address inflation may Capital and Liquidity While the Company believes that it has sufficient capital to withstand a potential second 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 The pandemic has not not The Company tests goodwill for impairment annually, usually during the fourth September 30 may Lending operations, accommodations to borrowers and credit risk The Company worked with customers directly affected by COVID- 19, December 31, 2021, 19 If eventual credit losses are identified on loans that received modifications or other loans, accrued interest and fee income would be reversed at the time the loss is identified. If the loans are fully or partially charged off, future requirements for the provision for loan losses expense will increase. At this time, the Company is unable to project the materiality of such an impact, but recognizes economic declines may

Note 2 - Restriction on Cash

Note 2 - Restriction on Cash	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Cash and Cash Equivalents Disclosure [Text Block]	Note 2: 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, 2021
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 3: The amortized cost and fair value of debt securities available for sale, with gross unrealized gains and losses, as of the dates indicated, follows: December 31, 2021 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 279,934 $ 2,795 $ 4,710 $ 278,019 States and political subdivisions 195,365 5,314 2,007 198,672 Mortgage-backed securities 204,164 2,323 313 206,174 Corporate debt securities 3,004 248 37 3,215 Total securities available for sale $ 682,467 $ 10,680 $ 7,067 $ 686,080 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 The amortized cost and fair value of single maturity securities available for sale at December 31, 2021, may may December 31, 2021. December 31, 2021 Available for sale: Amortized Cost Fair Value Due in one year or less $ 2,519 $ 2,540 Due after one year through five years 24,034 24,051 Due after five years through ten years 313,966 313,288 Due after ten years 341,948 346,201 Total securities available for sale $ 682,467 $ 686,080 Information pertaining to securities with gross unrealized losses at December 31, 2021 2020 December 31, 2021 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government agencies and corporations $ 201,650 $ 3,530 $ 26,792 $ 1,180 State and political subdivisions 50,659 1,214 20,542 793 Mortgage-backed securities 13,139 141 4,665 172 Corporate debt securities 966 37 - - Total temporarily impaired securities $ 266,414 $ 4,922 $ 51,999 $ 2,145 December 31, 2020 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss 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 The Company had 291 securities with a fair value of $318,413 that were temporarily impaired at December 31, 2021. 12 December 31, 2021 U.S. Government agencies. not not not may not States and political subdivisions. not not not not may not Mortgage-backed securities. not not may not Restricted Stock The Company held restricted stock of $845 at December 31, 2021 December 31, 2020. not Redemption of FHLB stock is subject to certain limitations and conditions. At its discretion, the FHLB may December 31, 2021. December 31, 2021, 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, 2021 2020, Realized Securities Gains and Losses During 2021, 2020, For the year ended December 31, 2021 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 20,377 $ 20,371 $ 6 $ - $ 6 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

Note 4 - Related Party Transact

Note 4 - Related Party Transactions	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	Note 4: 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 $14,822 at December 31, 2021 December 31, 2020. 2021, December 31, 2020 not 2020, The Company held $14,460 in deposits for related parties as of December 31, 2021 December 31, 2020. The Company leases to a director a small office space. The lease payments totaled $5 in 2021 2020. 2021 2020.

Note 5 - Allowance for Loan Los

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans	12 Months Ended
	Dec. 31, 2021
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 on an individual loan basis and to identify impaired loans. Please refer to Note 1: Portfolio Segments and Classes The Company evaluated characteristics in the loan portfolio and determined major segments and smaller classes within each segment. These characteristics include collateral type and intended use, 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. The Company’s segments and classes within each segment are presented below: Real Estate Construction Construction, residential Construction, other Consumer Real Estate Equity lines Residential closed-end first Residential closed-end junior liens Investor-owned residential real estate Commercial Real Estate Multifamily real estate Commercial real estate, owner-occupied Commercial real estate, other Commercial Non-Real Estate Commercial and Industrial Public Sector and IDA State and political subdivisions Consumer Non-Real Estate Credit cards Automobile Other consumer loans Collectively-evaluated loans within each class are further stratified by risk rating: pass-rated loans, loans rated special mention, and loans rated classified. Credit risk for collectively-evaluated loans is estimated at the class level, by risk rating, by applying historical net charge-off rates and percentages for qualitative factors that influence credit risk. Please refer to Note 1: A detailed analysis showing the allowance roll-forward by portfolio segment follows: Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2021 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, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Charge-offs - (13 ) - (526 ) - (216 ) - (755 ) Recoveries - 20 159 33 - 134 - 346 Provision for (recovery of) loan losses (81 ) (242 ) (891 ) 922 (42 ) (29 ) (35 ) (398 ) Balance, December 31, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 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 A detailed analysis showing the allowance and loan portfolio by segment and evaluation method follows: Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2021 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 $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated loans 422 1,930 3,121 1,099 297 444 361 7,674 Total $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Loans by Segment and Evaluation Method as of December 31, 2021 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 $ - $ 191 $ 5,386 $ 301 $ - $ - $ - $ 5,878 Collectively evaluated loans 48,841 208,786 400,336 59,963 47,899 32,026 - 797,851 Total $ 48,841 $ 208,977 $ 405,722 $ 60,264 $ 47,899 $ 32,026 $ - $ 803,729 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 A summary of ratios for the allowance for loan losses follows: December 31, 2021 2020 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs 0.96 % 1.10 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.05 % 0.05 % A summary of nonperforming assets, as of the dates indicated, follows: December 31, 2021 2020 Nonperforming assets: Nonaccrual loans $ - $ 846 TDR loans in nonaccrual 2,873 2,839 Total nonperforming loans 2,873 3,685 Other real estate owned, net 957 1,553 Total nonperforming assets $ 3,830 $ 5,238 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 0.48 % 0.68 % Ratio of allowance for loan losses to nonperforming loans (1) 267.11 % 230.15 % ( 1 The Company defines nonperforming loans as total nonaccrual and TDR loans that are nonaccrual. Loans 90 days past due and still accruing and accruing TDR loans are excluded. As of December 31, 2021, December 31, 2021, A summary of loans past due 90 December 31, 2021 2020 Loans past due 90 days or more and still accruing $ 90 $ 17 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.01 % 0.00 % Accruing TDR loans $ 3,005 $ 1,410 Impaired loans: Impaired loans with no valuation allowance $ 5,878 $ 3,858 Impaired loans with a valuation allowance - 1,045 Total impaired loans $ 5,878 $ 4,903 Valuation allowance $ - $ (75 ) Impaired loans, net of allowance $ 5,878 $ 4,828 Average recorded investment in impaired loans (1) $ 5,901 $ 5,093 Income recognized on impaired loans, after designation as impaired $ 137 $ 54 Amount of income recognized on a cash basis $ - $ - ( 1 No interest income was recognized on nonaccrual loans for the years ended December 31, 2021 2020. A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, by loan class follows: Impaired Loans as of December 31, 2021 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 $ 191 $ 191 $ 191 $ - $ - Commercial Real Estate (2) Commercial real estate, owner occupied 3,256 2,665 2,665 - - Commercial real estate, other 2,721 2,721 2,721 - - Commercial Non-Real Estate (2) Commercial and Industrial 310 301 301 - - Total $ 6,478 $ 5,878 $ 5,878 $ - $ - 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. Information on the average investment and interest income of impaired loans is presented in the tables below: Impaired Loans For the Year Ended December 31, 2021 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Investor-owned residential real estate $ 192 $ 13 Commercial Real Estate (2) Commercial real estate, owner occupied 2,668 9 Commercial real estate, other 2,723 100 Commercial Non-Real Estate (2) Commercial and Industrial 317 15 Consumer Non-Real Estate (2) Automobile 1 - Total $ 5,901 $ 137 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. An analysis of past due and nonaccrual loans, as of the dates indicated, follows: December 31, 2021 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 $ 14 $ - $ - $ - Consumer Real Estate (1) Equity lines 50 29 29 Residential closed-end first liens 715 58 58 - Commercial Real Estate (1) Commercial real estate, owner occupied 12 266 - 2,572 Commercial Non-Real Estate (1) Commercial and Industrial 13 - - 301 Consumer Non-Real Estate (1) Credit cards 2 2 2 - Automobile 93 - - - Other consumer loans 88 1 1 - Total $ 987 $ 356 $ 90 $ 2,873 ( 1 Only classes with past due or nonaccrual loans are presented. 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 ( 1 Only classes with past due or nonaccrual loans are presented. Determination of risk grades was completed for the portfolio as of December 31, 2021 2020. December 31, 2021 Collectively-Evaluated Loans Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 10,008 $ - $ - Construction, other 38,833 - - Consumer Real Estate Equity lines 13,588 - 29 Closed-end first liens 106,107 - 275 Closed-end junior liens 2,715 - - Investor-owned residential real estate 85,460 - 612 Commercial Real Estate Multifamily residential real estate 106,644 - - Commercial real estate owner-occupied 125,605 - 35 Commercial real estate, other 164,324 3,728 - Commercial Non-Real Estate Commercial and Industrial 59,953 - 10 Public Sector and IDA States and political subdivisions 47,899 - - Consumer Non-Real Estate Credit cards 4,531 - - Automobile 10,990 - 3 Other consumer 16,402 - 100 Total $ 793,059 $ 3,728 $ 1,064 December 31, 2020 Collectively-Evaluated Loans Pass Special Mention Classified 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 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 Total TDRs amounted to $5,878 at December 31, 2021 December 31, 2020. no TDRs Designated During the Reporting Period The Company recognized three 2021. one two No three December 31, 2021 not no 2020. The following table presents TDRs by class that occurred during the year ended December 31, 2021. TDRs that occurred during the year ended December 31, 2021 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Commercial Real Estate Commercial real estate owner-occupied 1 $ 102 $ 102 Commercial real estate, other 2 2,724 2,724 Total 3 $ 2,826 $ 2,826 ( 1 Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not Defaulted TDRs The Company analyzed its TDR portfolio for loans that defaulted during 2021 2020, 12 three one 90 Of the Company’s TDRs at December 31, 2021 December 31, 2020, none 12

Note 6 - Premises and Equipment

Note 6 - Premises and Equipment	12 Months Ended
	Dec. 31, 2021
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, 2021 2020 Premises $ 14,933 $ 14,809 Furniture and equipment 6,819 6,620 Premises and equipment $ 21,752 $ 21,429 Accumulated depreciation (12,030 ) (11,394 ) Premises and equipment, net $ 9,722 $ 10,035 Depreciation expense for the years ended December 31, 2021 2020

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 7: The aggregate amounts of time deposits in denominations of $250 December 31, 2021 2020 December 31, 2021, Year of Maturity Time Deposits 2022 $ 64,262 2023 5,954 2024 508 2025 3,195 2026 5,029 Thereafter 20 Total time deposits $ 78,968 At December 31, 2021 2020,

Note 8 - Employee Benefit Plans

Note 8 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Retirement Benefits [Text Block]	Note 8: 401 The Company has a Retirement Accumulation Plan qualifying under Internal Revenue Code Section 401 may December 31, 2021 2020, 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, 2021 December 31, 2020. December 31, 2021, 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 2021 2020, 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, 2021 2020 Change in benefit obligation Projected benefit obligation at beginning of year $ 34,852 $ 29,641 Service cost (1) 1,445 1,080 Interest cost 736 820 Actuarial loss (gain) (2) (786 ) 4,621 Benefits paid (935 ) (1,310 ) Projected benefit obligation at end of year $ 35,312 $ 34,852 Change in plan assets Fair value of plan assets at beginning of year $ 32,415 $ 25,007 Actual return on plan assets 4,707 3,718 Employer contribution - 5,000 Benefits paid (935 ) (1,310 ) Fair value of plan assets at end of year $ 36,187 $ 32,415 Funded status at the end of the year $ 875 $ (2,437 ) (continued) Amounts recognized in the Consolidated Balance Sheet Deferred tax (liability) asset $ (184 ) $ 512 Other assets (liabilities) 875 (2,437 ) Total amounts recognized in the Consolidated Balance Sheet $ 691 $ (1,925 ) Amounts recognized in accumulated other comprehensive (loss) income, net Net loss $ (8,749 ) $ (12,855 ) Prior service cost - 11 Deferred tax asset 1,837 2,697 Amount recognized $ (6,912 ) $ (10,147 ) Accrued/Prepaid benefit cost, net Benefit obligation $ (35,312 ) $ (34,852 ) Fair value of assets 36,187 32,415 Unrecognized net actuarial loss 8,749 12,855 Unrecognized prior service cost - (11 ) Deferred tax liability (2,021 ) (2,185 ) Prepaid benefit cost included in other assets $ 7,603 $ 8,222 Components of net periodic benefit cost Service cost $ 1,445 $ 1,080 Interest cost 736 820 Expected return on plan assets (2,220 ) (1,679 ) Amortization of prior service cost (11 ) (110 ) Recognized net actuarial loss 833 710 Net periodic benefit cost $ 783 $ 821 Other changes in plan assets and benefit obligations recognized in other comprehensive (loss) income Net (gain) loss $ (4,106 ) $ 1,871 Amortization of prior service cost 11 110 Deferred income tax expense (benefit) 860 (416 ) Total recognized $ (3,235 ) $ 1,565 Total recognized in net periodic benefit cost and other comprehensive (loss) income $ (3,312 ) $ 2,802 Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 2.25 % 3.00 % Discount rate used for disclosure 2.50 % 2.25 % Expected return on plan assets 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % ( 1 Cost is included in Salaries and Employee Benefits expense. ( 2 Actuarial loss (gain) in 2021 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. The Company’s required minimum pension contribution for 2022 not December 31, 2021 December 31, 2020 Fair Value Measurements at December 31, 2021 Asset Category Total Level 1 Level 2 Level 3) Cash $ 1,390 $ 1,390 $ - $ - Equity securities: U. S. companies 19,758 19,758 - - International companies 2,722 2,722 - - Equities mutual funds (1) 5,257 5,257 - - State and political subdivisions 57 - 57 - Corporate bonds – investment grade (2) 7,003 - 7,003 - Total pension plan assets $ 36,187 $ 29,127 $ 7,060 $ - Fair Value Measurements at December 31, 2020 Asset Category Total Level 1 Level 2 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. Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows: 2022 $ 6,049 2023 $ 984 2024 $ 1,649 2025 $ 830 2026 $ 2,093 2027 - 2031 $ 11,352

Note 9 - Income Taxes

Note 9 - Income Taxes	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note 9: 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 2018. Years ended December 31, 2021 2020 Current $ 4,099 $ 2,795 Deferred expense 152 282 Total income tax expense $ 4,251 $ 3,077 The following reconciles the “expected” income tax expense, computed by applying the U.S. federal income tax rate of 21% Years ended December 31, 2021 2020 Computed “expected” income tax expense $ 5,173 $ 4,021 Tax-exempt interest income (763 ) (798 ) Nondeductible interest expense 25 62 Other, net (184 ) (208 ) Reported income tax expense $ 4,251 $ 3,077 The components of net deferred tax assets, included in other assets, are as follows: December 31, 2021 2020 Deferred tax assets: Allowance for loan losses and unearned fee income $ 1,774 $ 1,938 Valuation allowance on other real estate owned 186 188 Defined benefit plan 1,837 2,697 Deferred compensation and other liabilities 899 866 Lease accounting 327 423 SBA fees 9 191 Total deferred tax assets $ 5,032 $ 6,303 Deferred tax liabilities: Fixed assets $ (415 ) $ (424 ) Goodwill (1,228 ) (1,228 ) Defined benefit plan, prepaid portion (2,021 ) (2,186 ) Net unrealized gain on securities available for sale (759 ) (3,500 ) Lease accounting (321 ) (419 ) Discount accretion of securities (27 ) (15 ) Total deferred tax liabilities (4,771 ) (7,772 ) Net deferred tax assets (liabilities) $ 261 $ (1,469 ) The Company determined that no valuation allowance for gross deferred tax assets was necessary at December 31, 2021 2020.

Note 10 - Restrictions on Divid

Note 10 - Restrictions on Dividends	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Restrictions on Dividends, Loans and Advances [Text Block]	Note 10: The Company’s principal source of funds for dividend payments is dividends received from its subsidiary bank. For the years ended December 31, 2021 2020, 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 2021 2020, December 31, 2021, 2022.

Note 11 - Minimum Regulatory Ca

Note 11 - Minimum Regulatory Capital Requirement	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 11: 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, 2021 2020, not 1 CET1 1 2 2 December 31, 2021 December 31, 2020. December 31, 2021 2020, As of December 31, 2021, 1 CET1 1 no NBB’s capital amounts and ratios as of December 31, 2021 2020 Actual Minimum Capital Requirement (1) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total capital (to risk weighted assets) $ 192,907 19.495 % $ 103,898 10.500 % $ 98,950 10.000 % Tier 1 capital (to risk weighted assets) $ 185,187 18.715 % $ 84,108 8.500 % $ 79,160 8.000 % Common Equity Tier 1 capital (to risk weighted assets) $ 185,187 18.715 % $ 69,265 7.000 % $ 64,318 6.500 % Tier 1 capital (to average assets) $ 185,187 11.165 % $ 66,348 4.000 % $ 82,935 5.000 % Actual Minimum Capital Requirement (1) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions 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 % ( 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, 2021
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note 12: Financial information pertaining only to NBI (Parent) as of the dates indicated, is as follows: Condensed Balance Sheets December 31, 2021 2020 Assets Cash due from subsidiaries $ 2,324 $ 987 Interest-bearing deposits - 10,027 Investments in subsidiaries 189,027 189,667 Refundable income taxes 647 446 Other assets 847 791 Total assets $ 192,845 $ 201,918 Liabilities and Stockholders Equity Other liabilities $ 1,094 $ 1,311 Stockholders’ equity 191,751 200,607 Total liabilities and stockholders’ equity $ 192,845 $ 201,918 Condensed Statements of Income Years ended December 31, 2021 2020 Income Dividends from subsidiaries $ 14,508 $ 22,000 Other income 1 4 Total income 14,509 22,004 Expenses Other expenses 1,135 1,179 Income before income tax benefit and equity in undistributed net income of subsidiaries 13,374 20,825 Applicable income tax benefit 293 301 Income before equity in undistributed net income of subsidiaries 13,667 21,126 Equity (deficit) in undistributed net income of subsidiaries 6,715 (5,049 ) Net income $ 20,382 $ 16,077 Condensed Statements of Cash Flows Years ended December 31, 2021 2020 Cash Flows from Operating Expenses Net income $ 20,382 $ 16,077 Adjustments to reconcile net income to net cash provided by operating activities: Deficit (equity) in undistributed net income of subsidiaries (6,715 ) 5,049 Net change in refundable income taxes due from subsidiaries (201 ) (23 ) Net change in other assets 221 (45 ) Net change in other liabilities (217 ) (2 ) Net cash provided by operating activities 13,470 21,056 Cash Flows from Investing Activities Net change in interest-bearing deposits 10,027 (9,404 ) Net cash provided by (used in) investing activities 10,027 (9,404 ) (continued) Cash Flows from Financing Activities Cash dividends paid (8,806 ) (9,000 ) Repurchase of shares (13,354 ) (1,722 ) Net cash used in financing activities (22,160 ) (10,722 ) Net change in cash 1,337 930 Cash due from subsidiaries at beginning of year 987 57 Cash due from subsidiaries at end of year $ 2,324 $ 987

Note 13 - Financial Instruments

Note 13 - Financial Instruments With Off-balance Sheet Risk	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	Note 13: 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, 2021 2020, December 31, 2021 2020 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 181,395 $ 178,341 Standby letters of credit 13,984 13,474 Mortgage loans sold with potential recourse 18,287 40,362 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 2021, 2020. may may may 12 At December 31, 2021, not December 31, 2021 not The Company maintains cash accounts in other commercial banks. The Company had $28 in deposits with correspondent institutions at December 31, 2021 not

Note 14 - Concentrations of Cre

Note 14 - Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 14: 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, 2021 2020 December 31, 2021 2020, December 31, 2021 December 31, 2020. December 31, 2021 2020, 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, 2021
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 15: 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 – Valuation is based on quoted prices in active markets for identical assets and liabilities. Level 2 – Valuation is based on observable inputs including: ● 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 – Valuation is based on model-based techniques that use 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 Available for Sale 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, 2021 2020: December 31, 2021 Fair Value Measurement Using Description Balance Level 1 Level 2 Level 3 U.S. Government agencies and corporations $ 278,019 $ - $ 278,019 $ - States and political subdivisions 198,672 - 198,672 - Mortgage-backed securities 206,174 - 206,174 - Corporate debt securities 3,215 - 3,215 - Total securities available for sale $ 686,080 $ - $ 686,080 $ - December 31, 2020 Fair Value Measurement Using Description Balance Level 1 Level 2 Level 3 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 $ - 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 the Company 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 contract 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 The Company did not December 31, 2021. December 31, 2020: December 31, 2020 Fair Value Measurements Using Description Balance Level 1 Level 2 Level 3 Interest rate loan contracts $ 1 $ - $ - $ 1 Forward contracts $ (11 ) $ - $ - $ (11 ) 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 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 Held for Sale 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, 2021 2020. Impaired Loans Impaired loans are measured at fair value on a nonrecurring basis. If an individually evaluated impaired loan’s balance exceeds fair value, the amount is allocated to the allowance for loan losses. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. The fair value of an impaired loan may one three 1 3 may 2 3. Loans valued using the collateral method may 1 4 $250 $500. third may Appraisals of less than 24 2 3. 3. 2 3 not 3 3. At December 31, 2021, not December 31, 2020. December 31, 2020 Carrying value Description Balance Level 1 Level 2 Level 3 Impaired loans net of valuation allowance $ 970 - - $ 970 The following table presents information about Level 3 December 31, 2020. Valuation Technique Unobservable Input Range (Weighted Average (1) Present value of cash flows Discount rate 5.50% - 6.50%(5.78%) ( 1 Unobservable inputs were weighted by the relative fair value of the impaired loans. As of December 31, 2020, may may 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 Carrying Value Date Description Balance Level 1 Level 2 Level 3 December 31, 2021 OREO net of valuation allowance $ 957 $ - $ - $ 957 December 31, 2020 OREO net of valuation allowance 1,553 - - 1,553 The following table presents information about OREO and Level 3 Date Valuation Technique Unobservable Input Range (Weighted Average (1) ) December 31, 2021 Discounted appraised value Selling cost 6.20% (3) December 31, 2020 Discounted appraised value Selling cost 4.00% – 9.23%(4.54%) (2) December 31, 2020 Discounted appraised value Discount for lack of marketability and age of appraisal 0.00% – 7.66%(0.62%) (1) ( 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 appraised value exceeds the list price, less estimated selling costs. Selling costs do not ( 3 As of December 31, 2021, one At December 31, 2021 December 31, 2020, 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 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, 2021 December 31, 2020. no December 31, 2021 Estimated Fair Value Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 8,768 $ 8,768 $ - $ - Interest-bearing deposits 130,021 130,021 - - Securities 686,080 - 686,080 - Restricted securities 845 - 845 - Mortgage loans held for sale 615 - 615 - Loans, net 795,574 - - 791,335 Accrued interest receivable 5,104 - 5,104 - Bank-owned life insurance 42,354 - 42,354 - Financial liabilities: Deposits $ 1,494,587 $ - $ 1,415,619 $ 79,115 Accrued interest payable 48 - 48 - December 31, 2020 Estimated Fair Value Carrying Amount 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 - Interest rate loan contracts 1 - - 1 Financial liabilities: Deposits $ 1,297,143 $ - $ 1,207,561 $ 89,681 Accrued interest payable 56 - 56 - Forward contracts 11 - 56 11

Note 16 - Components of Accumul

Note 16 - Components of Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 16: The following table summarizes the activity related to each component of accumulated other comprehensive income (loss) for the years ended December 31, 2020 2021: Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 2019 $ 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 Unrealized holding loss on available for sale securities net of tax of ($2,740) (10,308 ) (10,308 ) Reclassification adjustment, net of tax of ($1) (5 ) (5 ) Net pension gain, net of tax of $862 3,244 3,244 Less amortization of prior service cost included in net periodic pension cost, net of tax of ($2) (9 ) (9 ) Balance at December 31, 2021 $ 2,854 $ (6,912 ) $ (4,058 ) The following table provides information regarding reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2021 2020: December 31, 2021 2020 Component of Accumulated Other Comprehensive Income (Loss) Reclassification out of unrealized gains on available for sale securities: Realized securities gain, net $ (6 ) $ (108 ) Income tax benefit (1 ) (23 ) Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss $ (5 ) $ (85 ) Amortization of defined benefit pension items: Prior service costs (1) $ (11 ) $ (110 ) Income tax benefit (2 ) (23 ) Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss $ (9 ) $ (87 ) ( 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 - Goodwill

Note 17 - Goodwill	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 17. In accounting for goodwill, the Company conducts an impairment review at least annually and more frequently if certain impairment indicators are evident. Testing for 2021 2020 not December 31, 2021 December 31, 2020, no

Note 18 - Revenue Recognition

Note 18 - Revenue Recognition	12 Months Ended
	Dec. 31, 2021
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, 2021 2020. December 31, 2021 2020 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 2,045 $ 1,966 Other service charges and fees 179 162 Credit and debit card fees 1,869 1,400 Trust income 1,792 1,662 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 768 464 Noninterest Income (in-scope of Topic 606) $ 6,653 $ 5,654 Noninterest Income (out-of-scope of Topic 606) 1,773 2,290 Total noninterest income $ 8,426 $ 7,944

Note 19 - Leases

Note 19 - Leases	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note 19: 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 not Options to Extend, Residual Value Guarantees, and Restrictions and Covenants Of the Company’s five December 31, 2021, three two five not not one five 2020 not None none 2021. 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, 2021 December 31, 2020 Lease liability $ 1,558 $ 2,016 Right-of-use asset $ 1,532 $ 1,998 Weighted average remaining lease term (in years) 6.33 6.81 Weighted average discount rate 3.21 % 3.04 % For the Years Ended December 31, 2021 2020 Lease Expense Operating lease expense $ 368 $ 368 Short-term lease expense 2 2 Total lease expense $ 370 $ 370 Cash paid for amounts included in lease liabilities $ 362 $ 360 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ 24 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, 2021 Twelve months ending December 31, 2022 $ 293 Twelve months ending December 31, 2023 291 Twelve months ending December 31, 2024 293 Twelve months ending December 31, 2025 244 Twelve months ending December 31, 2026 211 Thereafter 394 Total undiscounted cash flows $ 1,726 Less: discount $ (168 ) Lease liability $ 1,558 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, 2021
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 The Company follows the accounting guidance related to recognition and presentation of other–than-temporary impairment (“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. 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 Bank’s loan policy is updated and approved by the Board of Directors annually and disseminated to lending and loan portfolio management personnel to ensure consistent lending practices. The policy communicates the Company’s risk tolerance by prescribing underwriting guidelines and procedures, including approval limits and hierarchy, documentation standards, requirements for collateral and loan-to-value limits, debt coverage, overall creditworthiness and guarantor support. Of primary consideration is the repayment ability of the borrowers and (if secured) the collateral value in relation to the principal balance. Collateral lowers risk and may The Company’s loans are grouped into six Real Estate Construction Loans. may not may may Consumer Real Estate Loans. first 80% 43% Consumer real estate mortgages may fifth Home equity loans are secured primarily by second 80% not We do not may Commercial Real Estate Loans. first 80% 115% may may Commercial Non-Real Estate Loans. 60% 90% 70% 90 Included within this category are SBA PPP loans. The Bank provided qualifying customers with small business loans to pay payroll and other qualifying expenses. The vast majority of the Bank’s PPP loans have been repaid. Public Sector and IDA Loans. Consumer Non-Real Estate Loans. Past Due Status and Nonaccrual Designation 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 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. Accrued interest is reversed against income when a loan is placed in nonaccrual status. Any interest payments received during a loan’s nonaccrual period are credited to the principal balance of the loan. Nonaccrual loans that are not may six
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses is an estimate of probable losses inherent in the loan portfolio. The allowance is funded by the provision for loan losses, reduced by charge-offs of loans and increased by recoveries of previously charged-off loans. The determination of the allowance is based on two 450 20 310 10 Impaired loans Impaired loans are larger non-homogeneous loans for which there is a probability that collection of principal or interest will not one three 1 2 3 The estimated fair value is compared with the loan’s recorded investment (unpaid principal net of any interest payments made by the borrower during the nonaccrual period and net of any partial charge-offs, accrued interest and deferred fees and costs). Any amount of recorded investment that exceeds estimated fair value on collateral-dependent loans, as well as any other impairment loss considered uncollectible, is charged against the allowance for loan losses. Fair value shortfalls that are not not no not Collectively-evaluated loans 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 historical loss rates, internal risk ratings, delinquency and nonperforming rates, product mix, changes in loan policies and procedures, changes in loan review systems, changes in economic conditions, changes in management experience, industry trends, interest rate trends and changes in the competitive, legal and regulatory environment. Charge-off policy 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 Credit quality indicators 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. Credit quality is rated based on the loan’s payment history, the borrower’s current financial situation and value of the underlying collateral. Loans that do not 75 75
Troubled Debt Restructuring [Policy Text Block]	TDRs When the Company grants a concession to a borrower for economic or legal reasons related to a borrower’s financial condition, the loan is classified a TDR. When the Company grants a subsequent modification to a loan that had previously been modified but 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 2021 September 30, 2021. The Company’s goodwill impairment analysis considered three first second third no second third September 30, 2021,
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 other comprehensive (loss) 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. During 2021 2020, The following shows the weighted average number of shares used in computing earnings per common share for the years indicated. 2021 2020 Average number of common shares outstanding 6,209,929 6,483,230
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 $112 for the year ended December 31, 2021 December 31, 2020.
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, evaluation of impairment of goodwill, and pension obligations.
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 Effective November 25, 2019, 119. 119 326, 1 2 3 4 In March 2020, No. 2020 04 848 March 12, 2020 December 31, 2022. January 2021, No. 2021 01 848 848 848 may No. 2021 01 March 12, 2020, January 7, 2021, may No. 2021 01 March 12, 2020, March 12, 2020. Recently Adopted Accounting Developments In December 2019, 2019 12, 740 740 2019 12 January 1, 2021. 2019 12 not In January 2020, 2020 01, 321 323 815 321, 323, 815.” 2020 01 2020 01 January 1, 2021. 2020 01 not In October 2020, 2020 08, 310 20, 310 20 35 33 2020 08 January 1, 2021. 2020 08 not In December 2020, 541 first 19 In August 2021, 2021 06, 205 942 946 No. 33 10786, No. 33 10835, No. 33 10786, No. 33 10835, 2021 06 not
Risks and Uncertainties [Policy Text Block]	Risks and Uncertainties Since the beginning of 2020, 19 not 19 Financial position and results of operations During 2020, 19 two 2021, 19 may Low interest rates since the beginning of the pandemic, financial aid to consumers provided by the CARES Act and the CAA, increased demand and supply chain bottlenecks have resulted in historically high levels of inflation. Potential future increases in interest rates to address inflation may Capital and Liquidity While the Company believes that it has sufficient capital to withstand a potential second 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 The pandemic has not not The Company tests goodwill for impairment annually, usually during the fourth September 30 may Lending operations, accommodations to borrowers and credit risk The Company worked with customers directly affected by COVID- 19, December 31, 2021, 19 If eventual credit losses are identified on loans that received modifications or other loans, accrued interest and fee income would be reversed at the time the loss is identified. If the loans are fully or partially charged off, future requirements for the provision for loan losses expense will increase. At this time, the Company is unable to project the materiality of such an impact, but recognizes economic declines may

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Weighted Average Number of Shares [Table Text Block]	2021 2020 Average number of common shares outstanding 6,209,929 6,483,230

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Debt Securities, Available-for-sale [Table Text Block]	December 31, 2021 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 279,934 $ 2,795 $ 4,710 $ 278,019 States and political subdivisions 195,365 5,314 2,007 198,672 Mortgage-backed securities 204,164 2,323 313 206,174 Corporate debt securities 3,004 248 37 3,215 Total securities available for sale $ 682,467 $ 10,680 $ 7,067 $ 686,080 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
Investments Classified by Contractual Maturity Date [Table Text Block]	December 31, 2021 Available for sale: Amortized Cost Fair Value Due in one year or less $ 2,519 $ 2,540 Due after one year through five years 24,034 24,051 Due after five years through ten years 313,966 313,288 Due after ten years 341,948 346,201 Total securities available for sale $ 682,467 $ 686,080
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	December 31, 2021 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government agencies and corporations $ 201,650 $ 3,530 $ 26,792 $ 1,180 State and political subdivisions 50,659 1,214 20,542 793 Mortgage-backed securities 13,139 141 4,665 172 Corporate debt securities 966 37 - - Total temporarily impaired securities $ 266,414 $ 4,922 $ 51,999 $ 2,145 December 31, 2020 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss 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
Schedule of Realized Gain (Loss) on Called Securities [Table Text Block]	For the year ended December 31, 2021 Proceeds Book Value Gross Gain Gross Loss Net Gain Available for sale $ 20,377 $ 20,371 $ 6 $ - $ 6 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

Note 5 - Allowance for Loan L_2

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 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, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Charge-offs - (13 ) - (526 ) - (216 ) - (755 ) Recoveries - 20 159 33 - 134 - 346 Provision for (recovery of) loan losses (81 ) (242 ) (891 ) 922 (42 ) (29 ) (35 ) (398 ) Balance, December 31, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 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
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2021 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 $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated loans 422 1,930 3,121 1,099 297 444 361 7,674 Total $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Loans by Segment and Evaluation Method as of December 31, 2021 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 $ - $ 191 $ 5,386 $ 301 $ - $ - $ - $ 5,878 Collectively evaluated loans 48,841 208,786 400,336 59,963 47,899 32,026 - 797,851 Total $ 48,841 $ 208,977 $ 405,722 $ 60,264 $ 47,899 $ 32,026 $ - $ 803,729 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
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]	December 31, 2021 2020 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs 0.96 % 1.10 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.05 % 0.05 %
Schedule of Nonperforming Assets [Table Text Block]	December 31, 2021 2020 Nonperforming assets: Nonaccrual loans $ - $ 846 TDR loans in nonaccrual 2,873 2,839 Total nonperforming loans 2,873 3,685 Other real estate owned, net 957 1,553 Total nonperforming assets $ 3,830 $ 5,238 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 0.48 % 0.68 % Ratio of allowance for loan losses to nonperforming loans (1) 267.11 % 230.15 %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]	December 31, 2021 2020 Loans past due 90 days or more and still accruing $ 90 $ 17 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.01 % 0.00 % Accruing TDR loans $ 3,005 $ 1,410 Impaired loans: Impaired loans with no valuation allowance $ 5,878 $ 3,858 Impaired loans with a valuation allowance - 1,045 Total impaired loans $ 5,878 $ 4,903 Valuation allowance $ - $ (75 ) Impaired loans, net of allowance $ 5,878 $ 4,828 Average recorded investment in impaired loans (1) $ 5,901 $ 5,093 Income recognized on impaired loans, after designation as impaired $ 137 $ 54 Amount of income recognized on a cash basis $ - $ -
Impaired Financing Receivables [Table Text Block]	Impaired Loans as of December 31, 2021 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 $ 191 $ 191 $ 191 $ - $ - Commercial Real Estate (2) Commercial real estate, owner occupied 3,256 2,665 2,665 - - Commercial real estate, other 2,721 2,721 2,721 - - Commercial Non-Real Estate (2) Commercial and Industrial 310 301 301 - - Total $ 6,478 $ 5,878 $ 5,878 $ - $ - 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 Financing Receivable Average Investment And Interest Income [Table Text Block]	Impaired Loans For the Year Ended December 31, 2021 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Investor-owned residential real estate $ 192 $ 13 Commercial Real Estate (2) Commercial real estate, owner occupied 2,668 9 Commercial real estate, other 2,723 100 Commercial Non-Real Estate (2) Commercial and Industrial 317 15 Consumer Non-Real Estate (2) Automobile 1 - Total $ 5,901 $ 137 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
Financing Receivable, Past Due [Table Text Block]	December 31, 2021 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 $ 14 $ - $ - $ - Consumer Real Estate (1) Equity lines 50 29 29 Residential closed-end first liens 715 58 58 - Commercial Real Estate (1) Commercial real estate, owner occupied 12 266 - 2,572 Commercial Non-Real Estate (1) Commercial and Industrial 13 - - 301 Consumer Non-Real Estate (1) Credit cards 2 2 2 - Automobile 93 - - - Other consumer loans 88 1 1 - Total $ 987 $ 356 $ 90 $ 2,873 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
Financing Receivable Credit Quality Indicators [Table Text Block]	Collectively-Evaluated Loans Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 10,008 $ - $ - Construction, other 38,833 - - Consumer Real Estate Equity lines 13,588 - 29 Closed-end first liens 106,107 - 275 Closed-end junior liens 2,715 - - Investor-owned residential real estate 85,460 - 612 Commercial Real Estate Multifamily residential real estate 106,644 - - Commercial real estate owner-occupied 125,605 - 35 Commercial real estate, other 164,324 3,728 - Commercial Non-Real Estate Commercial and Industrial 59,953 - 10 Public Sector and IDA States and political subdivisions 47,899 - - Consumer Non-Real Estate Credit cards 4,531 - - Automobile 10,990 - 3 Other consumer 16,402 - 100 Total $ 793,059 $ 3,728 $ 1,064 Collectively-Evaluated Loans Pass Special Mention Classified 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
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	TDRs that occurred during the year ended December 31, 2021 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Commercial Real Estate Commercial real estate owner-occupied 1 $ 102 $ 102 Commercial real estate, other 2 2,724 2,724 Total 3 $ 2,826 $ 2,826

Note 6 - Premises and Equipme_2

Note 6 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Property, Plant and Equipment [Table Text Block]	December 31, 2021 2020 Premises $ 14,933 $ 14,809 Furniture and equipment 6,819 6,620 Premises and equipment $ 21,752 $ 21,429 Accumulated depreciation (12,030 ) (11,394 ) Premises and equipment, net $ 9,722 $ 10,035

Note 7 - Deposits (Tables)

Note 7 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Scheduled Maturities of Time Deposits [Table Text Block]	Year of Maturity Time Deposits 2022 $ 64,262 2023 5,954 2024 508 2025 3,195 2026 5,029 Thereafter 20 Total time deposits $ 78,968

Note 8 - Employee Benefit Pla_2

Note 8 - Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	December 31, 2021 2020 Change in benefit obligation Projected benefit obligation at beginning of year $ 34,852 $ 29,641 Service cost (1) 1,445 1,080 Interest cost 736 820 Actuarial loss (gain) (2) (786 ) 4,621 Benefits paid (935 ) (1,310 ) Projected benefit obligation at end of year $ 35,312 $ 34,852 Change in plan assets Fair value of plan assets at beginning of year $ 32,415 $ 25,007 Actual return on plan assets 4,707 3,718 Employer contribution - 5,000 Benefits paid (935 ) (1,310 ) Fair value of plan assets at end of year $ 36,187 $ 32,415 Funded status at the end of the year $ 875 $ (2,437 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax (liability) asset $ (184 ) $ 512 Other assets (liabilities) 875 (2,437 ) Total amounts recognized in the Consolidated Balance Sheet $ 691 $ (1,925 ) Amounts recognized in accumulated other comprehensive (loss) income, net Net loss $ (8,749 ) $ (12,855 ) Prior service cost - 11 Deferred tax asset 1,837 2,697 Amount recognized $ (6,912 ) $ (10,147 ) Accrued/Prepaid benefit cost, net Benefit obligation $ (35,312 ) $ (34,852 ) Fair value of assets 36,187 32,415 Unrecognized net actuarial loss 8,749 12,855 Unrecognized prior service cost - (11 ) Deferred tax liability (2,021 ) (2,185 ) Prepaid benefit cost included in other assets $ 7,603 $ 8,222 Components of net periodic benefit cost Service cost $ 1,445 $ 1,080 Interest cost 736 820 Expected return on plan assets (2,220 ) (1,679 ) Amortization of prior service cost (11 ) (110 ) Recognized net actuarial loss 833 710 Net periodic benefit cost $ 783 $ 821 Other changes in plan assets and benefit obligations recognized in other comprehensive (loss) income Net (gain) loss $ (4,106 ) $ 1,871 Amortization of prior service cost 11 110 Deferred income tax expense (benefit) 860 (416 ) Total recognized $ (3,235 ) $ 1,565 Total recognized in net periodic benefit cost and other comprehensive (loss) income $ (3,312 ) $ 2,802 Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 2.25 % 3.00 % Discount rate used for disclosure 2.50 % 2.25 % Expected return on plan assets 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 %
Schedule of Allocation of Plan Assets [Table Text Block]	Fair Value Measurements at December 31, 2021 Asset Category Total Level 1 Level 2 Level 3) Cash $ 1,390 $ 1,390 $ - $ - Equity securities: U. S. companies 19,758 19,758 - - International companies 2,722 2,722 - - Equities mutual funds (1) 5,257 5,257 - - State and political subdivisions 57 - 57 - Corporate bonds – investment grade (2) 7,003 - 7,003 - Total pension plan assets $ 36,187 $ 29,127 $ 7,060 $ - Fair Value Measurements at December 31, 2020 Asset Category Total Level 1 Level 2 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 $ -
Schedule of Expected Benefit Payments [Table Text Block]	2022 $ 6,049 2023 $ 984 2024 $ 1,649 2025 $ 830 2026 $ 2,093 2027 - 2031 $ 11,352

Note 9 - Income Taxes (Tables)

Note 9 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Years ended December 31, 2021 2020 Current $ 4,099 $ 2,795 Deferred expense 152 282 Total income tax expense $ 4,251 $ 3,077
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Years ended December 31, 2021 2020 Computed “expected” income tax expense $ 5,173 $ 4,021 Tax-exempt interest income (763 ) (798 ) Nondeductible interest expense 25 62 Other, net (184 ) (208 ) Reported income tax expense $ 4,251 $ 3,077
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, 2021 2020 Deferred tax assets: Allowance for loan losses and unearned fee income $ 1,774 $ 1,938 Valuation allowance on other real estate owned 186 188 Defined benefit plan 1,837 2,697 Deferred compensation and other liabilities 899 866 Lease accounting 327 423 SBA fees 9 191 Total deferred tax assets $ 5,032 $ 6,303 Deferred tax liabilities: Fixed assets $ (415 ) $ (424 ) Goodwill (1,228 ) (1,228 ) Defined benefit plan, prepaid portion (2,021 ) (2,186 ) Net unrealized gain on securities available for sale (759 ) (3,500 ) Lease accounting (321 ) (419 ) Discount accretion of securities (27 ) (15 ) Total deferred tax liabilities (4,771 ) (7,772 ) Net deferred tax assets (liabilities) $ 261 $ (1,469 )

Note 11 - Minimum Regulatory _2

Note 11 - Minimum Regulatory Capital Requirement (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Capital Requirement (1) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total capital (to risk weighted assets) $ 192,907 19.495 % $ 103,898 10.500 % $ 98,950 10.000 % Tier 1 capital (to risk weighted assets) $ 185,187 18.715 % $ 84,108 8.500 % $ 79,160 8.000 % Common Equity Tier 1 capital (to risk weighted assets) $ 185,187 18.715 % $ 69,265 7.000 % $ 64,318 6.500 % Tier 1 capital (to average assets) $ 185,187 11.165 % $ 66,348 4.000 % $ 82,935 5.000 % Actual Minimum Capital Requirement (1) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions 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 %

Note 12 - Condensed Financial_2

Note 12 - Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets December 31, 2021 2020 Assets Cash due from subsidiaries $ 2,324 $ 987 Interest-bearing deposits - 10,027 Investments in subsidiaries 189,027 189,667 Refundable income taxes 647 446 Other assets 847 791 Total assets $ 192,845 $ 201,918 Liabilities and Stockholders Equity Other liabilities $ 1,094 $ 1,311 Stockholders’ equity 191,751 200,607 Total liabilities and stockholders’ equity $ 192,845 $ 201,918
Condensed Income Statement [Table Text Block]	Condensed Statements of Income Years ended December 31, 2021 2020 Income Dividends from subsidiaries $ 14,508 $ 22,000 Other income 1 4 Total income 14,509 22,004 Expenses Other expenses 1,135 1,179 Income before income tax benefit and equity in undistributed net income of subsidiaries 13,374 20,825 Applicable income tax benefit 293 301 Income before equity in undistributed net income of subsidiaries 13,667 21,126 Equity (deficit) in undistributed net income of subsidiaries 6,715 (5,049 ) Net income $ 20,382 $ 16,077
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Years ended December 31, 2021 2020 Cash Flows from Operating Expenses Net income $ 20,382 $ 16,077 Adjustments to reconcile net income to net cash provided by operating activities: Deficit (equity) in undistributed net income of subsidiaries (6,715 ) 5,049 Net change in refundable income taxes due from subsidiaries (201 ) (23 ) Net change in other assets 221 (45 ) Net change in other liabilities (217 ) (2 ) Net cash provided by operating activities 13,470 21,056 Cash Flows from Investing Activities Net change in interest-bearing deposits 10,027 (9,404 ) Net cash provided by (used in) investing activities 10,027 (9,404 ) Cash Flows from Financing Activities Cash dividends paid (8,806 ) (9,000 ) Repurchase of shares (13,354 ) (1,722 ) Net cash used in financing activities (22,160 ) (10,722 ) Net change in cash 1,337 930 Cash due from subsidiaries at beginning of year 987 57 Cash due from subsidiaries at end of year $ 2,324 $ 987

Note 13 - Financial Instrumen_2

Note 13 - Financial Instruments With Off-balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	December 31, 2021 2020 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 181,395 $ 178,341 Standby letters of credit 13,984 13,474 Mortgage loans sold with potential recourse 18,287 40,362

Note 15 - Fair Value Measurem_2

Note 15 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	December 31, 2021 Fair Value Measurement Using Description Balance Level 1 Level 2 Level 3 U.S. Government agencies and corporations $ 278,019 $ - $ 278,019 $ - States and political subdivisions 198,672 - 198,672 - Mortgage-backed securities 206,174 - 206,174 - Corporate debt securities 3,215 - 3,215 - Total securities available for sale $ 686,080 $ - $ 686,080 $ - December 31, 2020 Fair Value Measurement Using Description Balance Level 1 Level 2 Level 3 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, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	December 31, 2020 Fair Value Measurements Using Description Balance Level 1 Level 2 Level 3 Interest rate loan contracts $ 1 $ - $ - $ 1 Forward contracts $ (11 ) $ - $ - $ (11 )
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)
Fair Value Measurements, Nonrecurring [Table Text Block]	December 31, 2020 Carrying value Description Balance Level 1 Level 2 Level 3 Impaired loans net of valuation allowance $ 970 - - $ 970 Carrying Value Date Description Balance Level 1 Level 2 Level 3 December 31, 2021 OREO net of valuation allowance $ 957 $ - $ - $ 957 December 31, 2020 OREO net of valuation allowance 1,553 - - 1,553
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Valuation Technique Unobservable Input Range (Weighted Average (1) Present value of cash flows Discount rate 5.50% - 6.50%(5.78%) Date Valuation Technique Unobservable Input Range (Weighted Average (1) ) December 31, 2021 Discounted appraised value Selling cost 6.20% (3) December 31, 2020 Discounted appraised value Selling cost 4.00% – 9.23%(4.54%) (2) December 31, 2020 Discounted appraised value Discount for lack of marketability and age of appraisal 0.00% – 7.66%(0.62%) (1)
Fair Value, by Balance Sheet Grouping [Table Text Block]	December 31, 2021 Estimated Fair Value Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 8,768 $ 8,768 $ - $ - Interest-bearing deposits 130,021 130,021 - - Securities 686,080 - 686,080 - Restricted securities 845 - 845 - Mortgage loans held for sale 615 - 615 - Loans, net 795,574 - - 791,335 Accrued interest receivable 5,104 - 5,104 - Bank-owned life insurance 42,354 - 42,354 - Financial liabilities: Deposits $ 1,494,587 $ - $ 1,415,619 $ 79,115 Accrued interest payable 48 - 48 - December 31, 2020 Estimated Fair Value Carrying Amount 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 - Interest rate loan contracts 1 - - 1 Financial liabilities: Deposits $ 1,297,143 $ - $ 1,207,561 $ 89,681 Accrued interest payable 56 - 56 - Forward contracts 11 - 56 11

Note 16 - Components of Accum_2

Note 16 - Components of Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2019 $ 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 Unrealized holding loss on available for sale securities net of tax of ($2,740) (10,308 ) (10,308 ) Reclassification adjustment, net of tax of ($1) (5 ) (5 ) Net pension gain, net of tax of $862 3,244 3,244 Less amortization of prior service cost included in net periodic pension cost, net of tax of ($2) (9 ) (9 ) Balance at December 31, 2021 $ 2,854 $ (6,912 ) $ (4,058 )
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	December 31, 2021 2020 Component of Accumulated Other Comprehensive Income (Loss) Reclassification out of unrealized gains on available for sale securities: Realized securities gain, net $ (6 ) $ (108 ) Income tax benefit (1 ) (23 ) Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss $ (5 ) $ (85 ) Amortization of defined benefit pension items: Prior service costs (1) $ (11 ) $ (110 ) Income tax benefit (2 ) (23 ) Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss $ (9 ) $ (87 )

Note 18 - Revenue Recognition (

Note 18 - Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Disaggregation of Revenue [Table Text Block]	December 31, 2021 2020 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 2,045 $ 1,966 Other service charges and fees 179 162 Credit and debit card fees 1,869 1,400 Trust income 1,792 1,662 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 768 464 Noninterest Income (in-scope of Topic 606) $ 6,653 $ 5,654 Noninterest Income (out-of-scope of Topic 606) 1,773 2,290 Total noninterest income $ 8,426 $ 7,944

Note 19 - Leases (Tables)

Note 19 - Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Lease, Cost [Table Text Block]	December 31, 2021 December 31, 2020 Lease liability $ 1,558 $ 2,016 Right-of-use asset $ 1,532 $ 1,998 Weighted average remaining lease term (in years) 6.33 6.81 Weighted average discount rate 3.21 % 3.04 % For the Years Ended December 31, 2021 2020 Lease Expense Operating lease expense $ 368 $ 368 Short-term lease expense 2 2 Total lease expense $ 370 $ 370 Cash paid for amounts included in lease liabilities $ 362 $ 360 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ 24
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Undiscounted Cash Flow for the As of December 31, 2021 Twelve months ending December 31, 2022 $ 293 Twelve months ending December 31, 2023 291 Twelve months ending December 31, 2024 293 Twelve months ending December 31, 2025 244 Twelve months ending December 31, 2026 211 Thereafter 394 Total undiscounted cash flows $ 1,726 Less: discount $ (168 ) Lease liability $ 1,558

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, 2021	Dec. 31, 2020
Number of Days Past Due (Day)		30 days
Number of Days of Delinquent Loans Nonaccrual of Interest (Year)	90 years
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
Goodwill, Impairment Loss	$ 0	$ 0
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0	0
Advertising Expense	$ 112	$ 99
Number of Loan Modifications for COVID-19 Related Accommodations	0
National Bank of Blacksburg [Member]
Noncontrolling Interest, Ownership Percentage by Parent	100.00%
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, 2021	Dec. 31, 2020
Average number of common shares outstanding (in shares)	6,209,929	6,483,230

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Number of Temporarily Impaired Securities	291
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 318,413
Continuous Unrealized Loss Position Aggregate Losses	$ 7,067
Number of Temporarily Impaired Securities Greater than Twelve Months	48
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	$ 51,999	$ 4,695
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	2,145	5
Debt Securities, Available-for-sale, Restricted	287,023	251,048
Debt Securities, Available-for-sale, Realized Gain		108
National Bank of Blacksburg [Member] | Federal Home Loan Bank of Atlanta [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	603,827
Restricted Stock [Member]
Restricted Investments	$ 845	1,279
US Government Agencies Debt Securities [Member]
Number of Temporarily Impaired Securities	28
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 26,792
Continuous Unrealized Loss Position Aggregate Losses	1,180
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	26,792	0
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 1,180	0
US States and Political Subdivisions Debt Securities [Member]
Number of Temporarily Impaired Securities	17
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 20,542
Continuous Unrealized Loss Position Aggregate Losses	793
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	20,542	635
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 793	3
Collateralized Mortgage Backed Securities [Member]
Number of Temporarily Impaired Securities	3
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 4,665
Continuous Unrealized Loss Position Aggregate Losses	172
Securities Called [Member]
Debt Securities, Available-for-sale, Realized Gain (Loss), Total	$ 6
Debt Securities, Available-for-sale, Realized Gain		65
Securities Sold [Member]
Debt Securities, Available-for-sale, Realized Gain		$ 43

Note 3 - Securities - Securitie

Note 3 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Securities available-for-sale, amortized costs	$ 682,467	$ 530,075
Securities available-for-sale, gross unrealized gains	10,680	17,170
Securities available-for-sale, gross unrealized losses	7,067	503
Securities available for sale, at fair value	686,080	546,742
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized costs	279,934	86,859
Securities available-for-sale, gross unrealized gains	2,795	4,477
Securities available-for-sale, gross unrealized losses	4,710	173
Securities available for sale, at fair value	278,019	91,163
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, amortized costs	195,365	196,435
Securities available-for-sale, gross unrealized gains	5,314	7,778
Securities available-for-sale, gross unrealized losses	2,007	252
Securities available for sale, at fair value	198,672	203,961
Collateralized Mortgage Backed Securities [Member]
Securities available-for-sale, amortized costs	204,164	244,780
Securities available-for-sale, gross unrealized gains	2,323	4,473
Securities available-for-sale, gross unrealized losses	313	78
Securities available for sale, at fair value	206,174	249,175
Corporate Debt Securities [Member]
Securities available-for-sale, amortized costs	3,004	2,001
Securities available-for-sale, gross unrealized gains	248	442
Securities available-for-sale, gross unrealized losses	37
Securities available for sale, at fair value	$ 3,215	$ 2,443

Note 3 - Securities - Securit_2

Note 3 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized cost, due in one year or less, available for sale securities	$ 2,519
Fair value, due in one year or less, available for sale securities	2,540
Amortized cost, due after one year through five years, available for sale securities	24,034
Fair value, due after one year through five years, available for sale securities	24,051
Amortized cost, due after five years through ten years, available for sale securities	313,966
Fair value, due after five years through ten years, available for sale securities	313,288
Amortized cost, due after ten years, available for sale securities	341,948
Fair value, due after ten years, available for sale securities	346,201
Amortized cost, total securities available for sale	682,467	$ 530,075
Fair value, total securities available for sale	$ 686,080	$ 546,742

Note 3 - Securities - Securit_3

Note 3 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Temporarily impaired securities, less than 12 months, fair value	$ 266,414	$ 69,967
Temporarily impaired securities, less than 12 months unrealized loss	4,922	498
Temporarily impaired securities, 12 months or more fair value	51,999	4,695
Temporarily impaired securities, 12 months or more unrealized loss	2,145	5
US Government Agencies Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	201,650	28,798
Temporarily impaired securities, less than 12 months unrealized loss	3,530	173
Temporarily impaired securities, 12 months or more fair value	26,792	0
Temporarily impaired securities, 12 months or more unrealized loss	1,180	0
US States and Political Subdivisions Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	50,659	32,353
Temporarily impaired securities, less than 12 months unrealized loss	1,214	249
Temporarily impaired securities, 12 months or more fair value	20,542	635
Temporarily impaired securities, 12 months or more unrealized loss	793	3
Commercial Mortgage Backed Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	13,139	8,816
Temporarily impaired securities, less than 12 months unrealized loss	141	76
Temporarily impaired securities, 12 months or more fair value	4,665	4,060
Temporarily impaired securities, 12 months or more unrealized loss	172	$ 2
Corporate Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	966
Temporarily impaired securities, less than 12 months unrealized loss	37
Temporarily impaired securities, 12 months or more fair value	0
Temporarily impaired securities, 12 months or more unrealized loss	$ 0

Note 3 - Securities - Realized

Note 3 - Securities - Realized Gains and Losses From Calls of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Available for sale, proceeds	$ 20,377	$ 126,840
Available for sale, book value	20,371	126,732
Available for sale, gross gain	6	110
Available for sale, gross loss	0	2
Available for sale, net gain (loss)	$ 6	$ 108

Note 4 - Related Party Transa_2

Note 4 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable, Related Parties, Ending Balance	$ 14,822	$ 15,403
Loans and Leases Receivable, Related Parties, Additions	2,570	10,649
Loans and Leases Receivable, Related Parties, Proceeds	3,151	10,248
Related Party Deposit Liabilities	14,460	16,140
Director [Member]
Loans and Leases Receivable, Related Parties, Period Increase (Decrease), Total	(116)
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	$ 113	$ 66

Note 5 - Allowance for Loan L_3

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details Textual) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Financing Receivable, Threshold Period Past Due (Day)		90 days
Mortgage Loans in Process of Foreclosure, Amount		$ 62
Interest and Fee Income, Loans and Leases, Total		34,923	$ 34,523
Financing Receivable, Troubled Debt Restructuring		$ 5,878	$ 4,249
Financing Receivable, Modifications, Number of Contracts		3	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts		0	0
Nonperforming Financial Instruments [Member]
Interest and Fee Income, Loans and Leases, Total		$ 0	$ 0
Real Estate Construction Portfolio Segment[Member]
Number of Real Estate Properties		0
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts		1
Commercial Real Estate Portfolio Segment [Member] | Re-amortization and Reduced Interest Rate [Member]
Financing Receivable, Modifications, Number of Contracts	2

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, 2021	Dec. 31, 2020
Balance	$ 8,481	$ 6,863
Charge-offs	(755)	(720)
Recoveries	346	347
Provision for (recovery of) loan losses	(398)	1,991
Balance	7,674	8,481
Real Estate Construction Portfolio Segment[Member]
Balance	503	400
Provision for (recovery of) loan losses	(81)	103
Balance	422	503
Consumer Real Estate Portfolio Segment [Member]
Balance	2,165	1,895
Charge-offs	(13)	(85)
Recoveries	20	18
Provision for (recovery of) loan losses	(242)	337
Balance	1,930	2,165
Commercial Real Estate Portfolio Segment [Member]
Balance	3,853	2,559
Charge-offs	0	(15)
Recoveries	159	145
Provision for (recovery of) loan losses	(891)	1,164
Balance	3,121	3,853
Commercial Non Real Estate Segment [Member]
Balance	670	555
Charge-offs	(526)	(372)
Recoveries	33	9
Provision for (recovery of) loan losses	922	478
Balance	1,099	670
Public Sector and IDA Portfolio Segment[Member]
Balance	339	478
Provision for (recovery of) loan losses	(42)	(139)
Balance	297	339
Consumer Non Real Estate Portfolio Segment [Member]
Balance	555	650
Charge-offs	(216)	(248)
Recoveries	134	175
Provision for (recovery of) loan losses	(29)	(22)
Balance	444	555
Unallocated Financing Receivables [Member]
Balance	396	326
Provision for (recovery of) loan losses	(35)	70
Balance	$ 361	$ 396

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan losses, Individually evaluated for impairment	$ 0	$ 75
Allowance for loan losses, Collectively evaluated for impairment	7,674	8,406
Allowance for loan losses	7,674	8,481	$ 6,863
Individually evaluated for impairment	5,878	4,903
Non-impaired gross loans	797,851	765,124
Total	803,729	770,027
Real Estate Construction Portfolio Segment[Member]
Allowance for loan losses, Collectively evaluated for impairment	422	503
Allowance for loan losses	422	503	400
Individually evaluated for impairment		0
Non-impaired gross loans	48,841	42,266
Total	48,841	42,266
Consumer Real Estate Portfolio Segment [Member]
Allowance for loan losses, Individually evaluated for impairment	0	2
Allowance for loan losses, Collectively evaluated for impairment	1,930	2,163
Allowance for loan losses	1,930	2,165	1,895
Individually evaluated for impairment	191	194
Non-impaired gross loans	208,786	181,588
Total	208,977	181,782
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses, Collectively evaluated for impairment	3,121	3,853
Allowance for loan losses	3,121	3,853	2,559
Individually evaluated for impairment	5,386	3,856
Non-impaired gross loans	400,336	389,259
Total	405,722	393,115
Commercial Non Real Estate Segment [Member]
Allowance for loan losses, Individually evaluated for impairment	0	73
Allowance for loan losses, Collectively evaluated for impairment	1,099	597
Allowance for loan losses	1,099	670	555
Individually evaluated for impairment	301	851
Non-impaired gross loans	59,963	77,920
Total	60,264	78,771
Public Sector and IDA Portfolio Segment[Member]
Allowance for loan losses, Collectively evaluated for impairment	297	339
Allowance for loan losses	297	339	478
Individually evaluated for impairment		0
Non-impaired gross loans	47,899	40,983
Total	47,899	40,983
Consumer Non Real Estate Portfolio Segment [Member]
Allowance for loan losses, Collectively evaluated for impairment	444	555
Allowance for loan losses	444	555	650
Individually evaluated for impairment	0	2
Non-impaired gross loans	32,026	33,108
Total	32,026	33,110
Unallocated Financing Receivables [Member]
Allowance for loan losses, Collectively evaluated for impairment	361	396
Allowance for loan losses	361	396	$ 326
Individually evaluated for impairment		0
Non-impaired gross loans	0	0
Total	$ 0	$ 0

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, 2021	Dec. 31, 2020
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs	[1]	0.96%	1.10%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs	[2]	0.05%	0.05%
[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 September 30, 2021, December 31, 2020 and September 30, 2020 includes government-guaranteed SBA PPP loans, which do not require an allowance for loan losses. Excluding the PPP loans, the ratio would be 0.98% at September 30, 2021, 1.16% at December 31, 2020 and 1.13% at September 30, 2020.
[2]	Net charge-offs are on an annualized basis.

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, 2021	Dec. 31, 2020
Nonaccrual loans		$ 0	$ 846
TDR loans in nonaccrual		2,873	2,839
Total nonperforming loans		2,873	3,685
Other real estate owned, net		957	1,553
Total nonperforming assets		$ 3,830	$ 5,238
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		0.48%	0.68%
Ratio of allowance for loan losses to nonperforming loans(1)	[1]	267.11%	230.15%
[1]	The Company defines nonperforming loans as nonaccrual loans 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, 2021	Dec. 31, 2020
Loans past due 90 days or more and still accruing		$ 90	$ 17
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs		0.01%	0.00%
Accruing TDR loans		$ 3,005	$ 1,410
Impaired loans:
Impaired loans with no valuation allowance	[1]	5,878	3,858
Impaired loans with a valuation allowance	[1]	0	1,045
Total impaired loans	[1]	5,878	4,903
Valuation allowance		0	(75)
Impaired loans, net of allowance		5,878	4,828
Average recorded investment in impaired loans(1)	[1]	5,901	5,093
Income recognized on impaired loans, after designation as impaired		$ 137	$ 54
[1]	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, 2021	Dec. 31, 2020
Principal balance		$ 6,478	$ 5,453
Total recorded investment	[1]	5,878	4,903
Recorded investment for which there is a related allowance	[1]	0	1,045
Related allowance		0	75
Recorded investment for which there is no related allowance	[1]	5,878	3,858
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Principal balance	[2]	191	194
Total recorded investment	[1],[2]	191	194
Recorded investment for which there is a related allowance	[1],[2]	0	194
Related allowance	[2]	0	2
Recorded investment for which there is no related allowance	[1],[2]		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Principal balance	[2]	3,256	3,752
Total recorded investment	[1],[2]	2,665	3,202
Recorded investment for which there is no related allowance	[1],[2]	2,665	3,202
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Principal balance	[2]	2,721	654
Total recorded investment	[1],[2]	2,721	654
Recorded investment for which there is no related allowance	[1],[2]	2,721	654
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Principal balance	[2]	310	851
Total recorded investment	[1],[2]	301	851
Recorded investment for which there is a related allowance	[1],[2]	0	851
Related allowance	[2]	$ 0	73
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Principal balance	[2]		2
Total recorded investment	[1],[2]		2
Recorded investment for which there is no related allowance	[1],[2]		$ 2
[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.

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, 2021	Dec. 31, 2020
Average recorded investment in impaired loans(1)	[1]	$ 5,901	$ 5,093
Interest income recognized		137	54
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1],[2]	192	196
Interest income recognized	[2]	13	13
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1],[2]	2,668	3,217
Interest income recognized	[2]	9	19
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1],[2]	2,723	790
Interest income recognized	[2]	100	0
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member]
Average recorded investment in impaired loans(1)	[1],[2]	317	887
Interest income recognized	[2]	15	22
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1],[2]	$ 1	$ 3
[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.

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, 2021	Dec. 31, 2020
Gross loans		$ 803,729	$ 770,027
Loans past due 90 days or more and still accruing		90	17
Nonaccruals		2,873	3,685
Financing Receivables 30 to 89 Days Past Due [Member]
Gross loans		987	1,497
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Gross loans		356	1,331
Real Estate Construction Portfolio Segment[Member]
Gross loans		48,841	42,266
Loans past due 90 days or more and still accruing	[1]	0
Nonaccruals	[1]	0
Real Estate Construction Portfolio Segment[Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Gross loans	[1]	14
Real Estate Construction Portfolio Segment[Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Gross loans	[1]	0
Consumer Real Estate Portfolio Segment [Member]
Gross loans		208,977	181,782
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans past due 90 days or more and still accruing	[1]	58
Nonaccruals	[1]	0	62
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Loans past due 90 days or more and still accruing	[1]	29
Nonaccruals	[1]
Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Closed End First Liens [Member]
Gross loans	[1]	715	365
Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Equity Lines [Member]
Gross loans	[1]	50
Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Investor Owned Residential Real Estate [Member]
Gross loans	[1]		106
Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Closed End First Liens [Member]
Gross loans	[1]	58	62
Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Equity Lines [Member]
Gross loans	[1]	29
Commercial Real Estate Portfolio Segment [Member]
Gross loans		405,722	393,115
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Nonaccruals	[1]	2,572	2,941
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Nonaccruals	[1]		654
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate, Owner Occupied [Member]
Gross loans	[1]	12	15
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate, Owner Occupied [Member]
Gross loans	[1]	266	571
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Other [Member]
Gross loans	[1]		654
Commercial Non Real Estate Segment [Member]
Gross loans		60,264	78,771
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Nonaccruals	[1]	301	28
Commercial Non Real Estate Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Gross loans	[1]	13	730
Commercial Non Real Estate Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member]
Gross loans	[1]	0	27
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans		32,026	33,110
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due 90 days or more and still accruing	[1]	2	3
Nonaccruals			0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days or more and still accruing	[1]	0	1
Nonaccruals			0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days or more and still accruing	[1]	1	13
Nonaccruals			0
Consumer Non Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Credit Card Receivable [Member]
Gross loans	[1]	2	7
Consumer Non Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Automobile Loan [Member]
Gross loans	[1]	93	144
Consumer Non Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member] | Other Consumer Loans [Member]
Gross loans	[1]	88	130
Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Credit Card Receivable [Member]
Gross loans	[1]	2	3
Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Automobile Loan [Member]
Gross loans	[1]	0	1
Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Other Consumer Loans [Member]
Gross loans	[1]	$ 1	$ 13
[1]	Only classes with past due or nonaccrual loans are presented.

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, 2021	Dec. 31, 2020
Non-impaired gross loans	$ 797,851	$ 765,124
Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	48,841	42,266
Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	208,786	181,588
Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	400,336	389,259
Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	59,963	77,920
Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	32,026	33,108
Pass [Member]
Non-impaired gross loans	793,059	756,616
Pass [Member] | States Political Subdivisions [Member]
Non-impaired gross loans	47,899	40,983
Classified Excluding Impaired [Member]
Non-impaired gross loans	1,064	473
Special Mention [Member]
Non-impaired gross loans	3,728	8,035
Construction, 1-4 Family Residential [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	10,008	8,195
Construction, Other [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	38,833	34,071
Equity Lines [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	13,588	13,903
Equity Lines [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	29
Closed End First Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	106,107	92,241
Closed End First Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	275	284
Closed End First Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0	66
Closed End Junior Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	2,715	3,003
Closed End Junior Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0
Closed End Junior Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0
Investor Owned Residential Real Estate [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	85,460	71,450
Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	612	0
Investor Owned Residential Real Estate [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0	641
Multifamily Real Estate [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	106,644	87,455
Multifamily Real Estate [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans		0
Multifamily Real Estate [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0	265
Commercial Real Estate, Owner Occupied [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	125,605	146,900
Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	35	140
Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0	543
Commercial Real Estate Other [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	164,324	147,436
Commercial Real Estate Other [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	3,728	6,520
Commercial and Industrial [Member] | Pass [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	59,953	77,892
Commercial and Industrial [Member] | Classified Excluding Impaired [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	10	28
Commercial and Industrial [Member] | Special Mention [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans		0
Credit Card Receivable [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	4,531	4,665
Automobile Loan [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	10,990	12,024
Automobile Loan [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	3	6
Other Consumer Loans [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	16,402	16,398
Other Consumer Loans [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	$ 100	$ 15

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, 2021USD ($)	Dec. 31, 2020
Number of contracts		3	0
Pre-modification outstanding principal balance		$ 2,826
Post-modification outstanding principal balance	[1]	$ 2,826
Commercial Real Estate Portfolio Segment [Member]
Number of contracts		1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Number of contracts		1
Pre-modification outstanding principal balance		$ 102
Post-modification outstanding principal balance	[1]	$ 102
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Number of contracts		2
Pre-modification outstanding principal balance		$ 2,724
Post-modification outstanding principal balance		$ 2,724
[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, 2021	Dec. 31, 2020
Depreciation, Total	$ 636	$ 708

Note 6 - Premises and Equipme_4

Note 6 - Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Premises and Equipment	$ 21,752	$ 21,429
Accumulated depreciation	(12,030)	(11,394)
Premises and equipment, net	9,722	10,035
Building [Member]
Premises and Equipment	14,933	14,809
Furniture and Fixtures [Member]
Premises and Equipment	$ 6,819	$ 6,620

Note 7 - Deposits (Details Text

Note 7 - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Time Deposits, at or Above FDIC Insurance Limit	$ 14,600	$ 13,177
Deposit Liabilities Reclassified as Loans Receivable	$ 170	$ 39

Note 7 - Deposits - Maturities

Note 7 - Deposits - Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
2022	$ 64,262
2023	5,954
2024	508
2025	3,195
2026	5,029
Thereafter	20
Total time deposits	$ 78,968	$ 89,582

Note 8 - Employee Benefit Pla_3

Note 8 - Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	100.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 402	$ 394
Age Attained to be Eligible for ESOP (Year)	21 years
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	$ 360	300
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares (in shares)	184,054
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	$ 296	$ 304
Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss) Due to Demographic Changes	(764)
Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss) Due to Change in Mortality Table	(40)
Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss) Due to Change in Discount Rate	$ 1,590
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, 2021	Dec. 31, 2020
Fair value of plan assets at beginning of year		$ 32,415
Fair value of plan assets at end of year		36,187	$ 32,415
Other assets (liabilities)		875	(2,437)
Net (gain) loss		(4,106)	1,871
Deferred income tax expense (benefit)		860	(416)
Pension Plan [Member]
Projected benefit obligation at beginning of year		34,852	29,641
Service cost (1)	[1]	1,445	1,080
Interest cost		736	820
Actuarial loss (gain) (2)	[2]	(786)	4,621
Benefits paid		(935)	(1,310)
Projected benefit obligation at end of year		35,312	34,852
Fair value of plan assets at beginning of year		32,415	25,007
Actual return on plan assets		4,707	3,718
Employer contribution		0	5,000
Benefits paid		(935)	(1,310)
Fair value of plan assets at end of year		36,187	32,415
Funded status at the end of the year		875	(2,437)
Deferred tax asset (liability)		(184)	512
Total amounts recognized in the Consolidated Balance Sheet		691	(1,925)
Net loss		(8,749)	(12,855)
Prior service cost		0	11
Deferred tax asset		1,837	2,697
Amount recognized		(6,912)	(10,147)
Benefit obligation		(35,312)	(34,852)
Fair value of assets		36,187	32,415
Unrecognized net actuarial loss		8,749	12,855
Unrecognized prior service cost		0	(11)
Deferred tax liability		(2,021)	(2,185)
Prepaid benefit cost included in other assets		7,603	8,222
Expected return on plan assets		(2,220)	(1,679)
Amortization of prior service cost		(11)	(110)
Recognized net actuarial loss		833	710
Net periodic benefit cost		783	821
Amortization of prior service cost		11	110
Total recognized		(3,235)	1,565
Total recognized in net periodic benefit cost and other comprehensive (loss) income		$ (3,312)	$ 2,802
Discount rate used for net periodic pension cost		2.25%	3.00%
Discount rate used for disclosure		2.50%	2.25%
Expected return on plan assets		7.50%	7.50%
Rate of compensation increase		3.00%	3.00%
[1]	Cost is included in Salaries and Employee Benefits expense.
[2]	Actuarial loss (gain) in 2021 is composed of loss due to demographic changes of $764, loss due to change in mortality table of $40 and gain due to change in discount rate of ($1,590).

Note 8 - Employee Benefit Pla_5

Note 8 - Employee Benefit Plans - Fair Value Measurements (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Fair value, plan assets		$ 36,187	$ 32,415
Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		29,127	26,040
Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		7,060	6,375
Cash [Member]
Fair value, plan assets		1,390	4,336
Cash [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		1,390	4,336
Defined Benefit Plan, Equity Securities, US [Member]
Fair value, plan assets		19,758	15,129
Defined Benefit Plan, Equity Securities, US [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		19,758	15,129
Defined Benefit Plan, Equity Securities, Non-US [Member]
Fair value, plan assets		2,722	2,735
Defined Benefit Plan, Equity Securities, Non-US [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		2,722	2,735
Equity Funds [Member]
Fair value, plan assets	[1]	5,257	3,840
Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets	[1]	5,257	3,840
US States and Political Subdivisions Debt Securities [Member]
Fair value, plan assets		57	152
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		57	152
Corporate Debt Securities [Member]
Fair value, plan assets	[2]	7,003	6,223
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets	[2]	$ 7,003	$ 6,223
[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, 2021USD ($)
2022	$ 6,049
2023	984
2024	1,649
2025	830
2026	2,093
2027 - 2031	$ 11,352

Note 9 - Income Taxes (Details

Note 9 - Income Taxes (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred Tax Assets, Valuation Allowance, Total	$ 0	$ 0

Note 9 - Income Taxes - Allocat

Note 9 - Income Taxes - Allocation of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Current	$ 4,099	$ 2,795
Deferred income tax expense	152	282
Total income tax expense	$ 4,251	$ 3,077

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, 2021	Dec. 31, 2020
Computed "expected" income tax expense	$ 5,173	$ 4,021
Tax-exempt interest income	(763)	(798)
Nondeductible interest expense	25	62
Other, net	(184)	(208)
Total income tax expense	$ 4,251	$ 3,077

Note 9 - Income Taxes - Compone

Note 9 - Income Taxes - Components of Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for loan losses and unearned fee income	$ 1,774	$ 1,938
Valuation allowance on other real estate owned	186	188
Defined benefit plan	1,837	2,697
Deferred compensation and other liabilities	899	866
Lease accounting	327	423
SBA fees	9	191
Total deferred tax assets	5,032	6,303
Deferred tax liabilities:
Fixed assets	(415)	(424)
Goodwill	(1,228)	(1,228)
Defined benefit plan, prepaid portion	(2,021)	(2,186)
Net unrealized gain on securities available for sale	(759)	(3,500)
Lease accounting	(321)	(419)
Discount accretion of securities	(27)	(15)
Total deferred tax liabilities	(4,771)	(7,772)
Net deferred tax assets	$ 261
Net deferred tax liabilities		$ (1,469)

Note 10 - Restrictions on Div_2

Note 10 - Restrictions on Dividends (Details Textual) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries	$ 14,508		$ 22,000
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	$ 0

Note 11 - Minimum Regulatory _3

Note 11 - Minimum Regulatory Capital Requirement (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
National Bank of Blacksburg [Member]
Banking Regulation, Risk-Weighted Assets, Actual	$ 989,503	$ 932,364

Note 11 - Minimum Regulatory _4

Note 11 - Minimum Regulatory Capital Requirement - Minimum Capital Requirements (Details) - National Bank of Blacksburg [Member] $ in Thousands		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Total capital (to risk weighted assets), actual, amount		$ 192,907	$ 185,937
Total capital (to risk weighted assets), actual, ratio		0.19495	0.19943
Total capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 103,898	$ 97,898
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		$ 98,950	$ 93,236
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		$ 185,187	$ 177,409
Tier 1 capital (to risk weighted assets), actual, ratio		0.18715	0.19028
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 84,108	$ 79,251
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		$ 79,160	$ 74,589
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		$ 185,187	$ 177,409
Common equity tier 1 capital (to risk weighted assets), actual, ratio		0.18715	0.19028
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 69,265	$ 65,265
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		$ 64,318	$ 60,604
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		$ 185,187	$ 177,409
Tier 1 capital (to average assets), actual, ratio		0.11165	0.12105
Tier 1 capital (to average assets), minimum capital requirement, amount	[1]	$ 66,348	$ 58,624
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		$ 82,935	$ 73,281
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, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 8,768	$ 13,147
Interest-bearing deposits	130,021	120,725
Investments in subsidiaries	189,027	189,667
Other assets	16,287	17,688
Total assets	1,702,175	1,519,673
Liabilities and Stockholders’ Equity
Other liabilities	15,789	21,867
Stockholders’ equity	191,751	200,607	$ 183,726
Total liabilities and stockholders’ equity	1,702,175	1,519,673
Parent Company [Member]
Assets
Cash and due from banks	2,324	987
Interest-bearing deposits	0	10,027
Refundable income taxes	647	446
Other assets	847	791
Total assets	192,845	201,918
Liabilities and Stockholders’ Equity
Other liabilities	1,094	1,311
Stockholders’ equity	191,751	200,607
Total liabilities and stockholders’ equity	$ 192,845	$ 201,918

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, 2021	Dec. 31, 2020
Income
Other income	$ 1,261	$ 1,093
Expenses
Applicable income tax benefit	4,251	3,077
Net income	20,382	16,077
Parent Company [Member]
Income
Dividends from subsidiaries	14,508	22,000
Other income	1	4
Total income	14,509	22,004
Expenses
Other expenses	1,135	1,179
Income before income tax benefit and equity in undistributed net income of subsidiaries	13,374	20,825
Applicable income tax benefit	293	301
Income before equity in undistributed net income of subsidiaries	13,667	21,126
Equity (deficit) in undistributed net income of subsidiaries	6,715	(5,049)
Net income	$ 20,382	$ 16,077

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, 2021	Dec. 31, 2020
Cash Flows from Operating Activities
Net income	$ 20,382	$ 16,077
Adjustment to reconcile net income to net cash provided by operating activities:
Other assets	1,661	(132)
Net change in other liabilities	(515)	203
Net cash provided by operating activities	22,882	13,793
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(9,296)	(43,844)
Net cash used in investing activities	(202,545)	(177,604)
Cash Flows from Financing Activities
Cash dividends paid	(8,806)	(9,000)
Shares repurchased	(13,354)	(1,722)
Net cash provided by financing activities	175,284	166,668
Parent Company [Member]
Cash Flows from Operating Activities
Net income	20,382	16,077
Adjustment to reconcile net income to net cash provided by operating activities:
Deficit (equity) in undistributed net income of subsidiaries	6,715	(5,049)
Net change in refundable income taxes due from subsidiaries	(201)	(23)
Other assets	221	(45)
Net change in other liabilities	(217)	(2)
Net cash provided by operating activities	13,470	21,056
Cash Flows from Investing Activities
Net change in interest-bearing deposits	10,027	(9,404)
Net cash used in investing activities	10,027	(9,404)
Cash Flows from Financing Activities
Cash dividends paid	(8,806)	(9,000)
Shares repurchased	(13,354)	(1,722)
Net cash provided by financing activities	(22,160)	(10,722)
Net change in cash	1,337	930
Cash due from subsidiaries at beginning of year	987	57
Cash due from subsidiaries at end of year	$ 2,324	$ 987

Note 13 - Financial Instrumen_3

Note 13 - Financial Instruments With Off-balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Payments for Origination of Mortgage Loans Held-for-sale	$ 17,672	$ 39,647
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Cost of Mortgage Sold	$ 18,287	40,362
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	$ 615	$ 866
Cash, Uninsured Amount	28
Interest Rate Lock Commitments [Member]
Other Commitment, Total	$ 0

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, 2021	Dec. 31, 2020
Commitments to Extend Credit [Member]
Off balance sheet liability, amount	$ 181,395	$ 178,341
Standby Letters of Credit 1 [Member]
Off balance sheet liability, amount	13,984	13,474
Interest Rate Lock Commitments [Member]
Off balance sheet liability, amount	$ 18,287	$ 40,362

Note 14 - Concentrations of C_2

Note 14 - Concentrations of Credit Risk (Details Textual) - Credit Concentration Risk [Member] - Commercial Real Estate, Loan Portfolio [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commercial Real Estate Loans [Member]
Concentration Risk, Percentage	50.00%	51.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 405,722	$ 393,115
College Housing and Professional Office Buildings [Member]
Concentration Risk, Percentage	25.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 201,858	$ 189,421
Residential [Member]
Concentration Risk, Percentage	26.00%	24.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 208,977	$ 181,782

Note 15 - Fair Value Measurem_3

Note 15 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans Held-for-sale [Member] | Changes Measurement [Member] | Fair Value, Nonrecurring [Member]
Assets, Fair Value Adjustment	$ 0	$ 0
Interest Rate Contract [Member]
Derivative, Fair Value, Net, Total	0
Forward Contract [Member]
Derivative, Fair Value, Net, Total	$ 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, 2021	Dec. 31, 2020
Securities available for sale	$ 686,080	$ 546,742
Fair Value, Inputs, Level 2 [Member]
Securities available for sale	686,080	546,742
US Government Agencies Debt Securities [Member]
Securities available for sale	278,019	91,163
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	278,019	91,163
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale	198,672	203,961
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	198,672	203,961
Collateralized Mortgage Backed Securities [Member]
Securities available for sale	206,174	249,175
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	206,174	249,175
Corporate Debt Securities [Member]
Securities available for sale	3,215	2,443
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	$ 3,215	$ 2,443

Note 15 - Fair Value Measurem_5

Note 15 - Fair Value Measurements - Interest Rate Loan Contracts and Forward Contracts Fair Value Measurement (Details) $ in Thousands	Dec. 31, 2020USD ($)
Reported Value Measurement [Member]
Interest rate loan contracts	$ 1
Forward contracts	(11)
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Interest rate loan contracts	1
Forward contracts	(11)
Interest Rate Contract [Member] | Reported Value Measurement [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] | Estimate of Fair Value Measurement [Member]
Forward contracts	(11)
Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [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]	Dec. 31, 2020
Pull-through Rate [Member] | Interest Rate Contract [Member]
Derivative asset (liability)	0.8702	[1]
Pull-through Rate [Member] | Forward Contract [Member]
Derivative asset (liability)	0.8702	[1]
Current Reference Price [Member] | Interest Rate Contract [Member] | Minimum [Member]
Derivative asset (liability)	1.0191
Current Reference Price [Member] | Interest Rate Contract [Member] | Maximum [Member]
Derivative asset (liability)	1.0302
Current Reference Price [Member] | Interest Rate Contract [Member] | Weighted Average [Member]
Derivative asset (liability)	1.0255	[2]
Current Reference Price [Member] | Forward Contract [Member] | Minimum [Member]
Derivative asset (liability)	1.0191
Current Reference Price [Member] | Forward Contract [Member] | Maximum [Member]
Derivative asset (liability)	1.0319
Current Reference Price [Member] | Forward Contract [Member] | Weighted Average [Member]
Derivative asset (liability)	1.0267	[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.

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, 2021	Dec. 31, 2020
Impaired loans net of valuation allowance	$ 957	$ 970
Other real estate owned net of valuation allowance		1,553
Fair Value, Inputs, Level 1 [Member]
Impaired loans net of valuation allowance		0
Fair Value, Inputs, Level 2 [Member]
Impaired loans net of valuation allowance		0
Fair Value, Inputs, Level 3 [Member]
Impaired loans net of valuation allowance	$ 957	970
Other real estate owned net of valuation allowance		$ 1,553

Note 15 - Fair Value Measurem_8

Note 15 - Fair Value Measurements - Level 3 Fair Value Measurements (Details) - Valuation, Market Approach [Member]		Dec. 31, 2021	[4]	Dec. 31, 2020
Measurement Input, Discount Rate [Member] | Minimum [Member]
Present value of cash flows	[1]			0.0550
OREO	[2]			0
Measurement Input, Discount Rate [Member] | Maximum [Member]
Present value of cash flows	[1]			0.0650
OREO	[2]			0.0766
Measurement Input, Discount Rate [Member] | Weighted Average [Member]
OREO	[2]			0.0062
Measurement Input, Cost to Sell [Member] | Minimum [Member]
OREO	[3]			0.0400
Measurement Input, Cost to Sell [Member] | Maximum [Member]
OREO	[3]			0.0923
Measurement Input, Cost to Sell [Member] | Weighted Average [Member]
OREO		0.0620		0.0454	[3]
[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.
[3]	The appraised value is discounted by selling costs if the OREO property is listed with a realtor and if appraised value exceeds the list price, less estimated selling costs. Selling costs do not discount appraised value if the Company markets the OREO property independently or if the OREO property is listed with a realtor and the list price less estimated selling costs exceeds appraised value.
[4]	As of December 31, 2021, the Company held one OREO property

Note 15 - Fair Value Measurem_9

Note 15 - Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Reported Value Measurement [Member]
Cash and due from banks	$ 8,768	$ 13,147
Interest-bearing deposits	130,021	120,725
Securities	686,080	546,742
Restricted securities	845	1,279
Mortgage loans held for sale	615	866
Loans, net	795,574	760,318
Accrued interest receivable	5,104	5,028
Bank-owned life insurance	42,354	36,444
Deposits	1,494,587	1,297,143
Accrued interest payable	48	56
Interest rate loan contracts		1
Forward contracts		11
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	8,768	13,147
Interest-bearing deposits	130,021	120,725
Mortgage loans held for sale	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Securities	686,080	546,742
Restricted securities	845	1,279
Mortgage loans held for sale	615	866
Accrued interest receivable	5,104	5,028
Bank-owned life insurance	42,354	36,444
Deposits	1,415,619	1,207,561
Accrued interest payable	48	56
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Mortgage loans held for sale	0	0
Loans, net	791,335	752,624
Deposits	$ 79,115	89,681
Interest rate loan contracts		1
Forward contracts		$ 11

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, 2021	Dec. 31, 2020
Balance	$ 200,607	$ 183,726
Net pension gain (loss) arising during the period, net of tax	(3,244)	1,478
Less amortization of prior service cost included in net periodic pension cost, net of tax	(9)	(87)
Balance	191,751	200,607
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
Balance	13,167	76
Unrealized holding gain (loss) on available for sale securities, net of tax	(10,308)	13,176
Reclassification adjustment, net of tax	(5)	(85)
Net pension gain (loss) arising during the period, net of tax
Balance	2,854	13,167
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(10,147)	(8,582)
Net pension gain (loss) arising during the period, net of tax	3,244	(1,478)
Less amortization of prior service cost included in net periodic pension cost, net of tax	(9)	(87)
Balance	(6,912)	(10,147)
AOCI Attributable to Parent [Member]
Balance	3,020	(8,506)
Unrealized holding gain (loss) on available for sale securities, net of tax	(10,308)	13,176
Reclassification adjustment, net of tax	(5)	(85)
Net pension gain (loss) arising during the period, net of tax	3,244	(1,478)
Less amortization of prior service cost included in net periodic pension cost, net of tax	(9)	(87)
Balance	$ (4,058)	$ 3,020

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, 2021	Dec. 31, 2020
Net pension gain (loss) arising during the period, taxes	$ 862	$ (393)
Amortization of prior service cost included in net periodic pension cost, tax	(2)	(23)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
Unrealized holding gain (loss) on available for sale securities, tax	(2,740)	3,502
Reclassification adjustment for gain included in net income, taxes	(1)	(23)
AOCI Attributable to Parent [Member]
Unrealized holding gain (loss) on available for sale securities, tax	(2,740)	3,502
Reclassification adjustment for gain included in net income, taxes	(1)	$ (23)
Net pension gain (loss) arising during the period, taxes	862
Amortization of prior service cost included in net periodic pension cost, tax	(2)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Net pension gain (loss) arising during the period, taxes	862
Amortization of prior service cost included in net periodic pension cost, tax	$ (2)

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, 2021	Dec. 31, 2020
Reclassification adjustment for gain included in net income, tax		$ (1)	$ (23)
Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss		(5)	(85)
Income tax benefit		2	23
Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss		(9)	(87)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Realized securities gain, net		(6)	(108)
Reclassification adjustment for gain included in net income, tax		(1)	(23)
Realized gain on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss		(5)	(85)
Prior service costs(1)	[1]	(11)	(110)
Income tax benefit		(2)	(23)
Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive loss		$ (9)	$ (87)
[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 17 - Goodwill (Details Tex

Note 17 - Goodwill (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Goodwill, Impairment Loss	$ 0	$ 0
Goodwill, Ending Balance	$ 5,848	$ 5,848

Note 18 - Revenue Recognition -

Note 18 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Noninterest Income (in-scope of Topic 606)	$ 6,653	$ 5,654
Noninterest Income (out-of-scope of Topic 606)	1,773	2,290
Total noninterest income	8,426	7,944
Deposit Account [Member]
Noninterest Income (in-scope of Topic 606)	2,045	1,966
Product and Service, Other [Member]
Noninterest Income (in-scope of Topic 606)	179	162
Credit and Debit Card [Member]
Noninterest Income (in-scope of Topic 606)	1,869	1,400
Fiduciary and Trust [Member]
Noninterest Income (in-scope of Topic 606)	1,792	1,662
Insurance and Investment [Member]
Noninterest Income (in-scope of Topic 606)	$ 768	$ 464

Note 19 - Leases (Details Textu

Note 19 - Leases (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Lessee, Operating Lease, Early Termination Fee	$ 150

Note 19 - Leases - Lease Inform

Note 19 - Leases - Lease Information and Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Weighted average remaining lease term (in years) (Year)	6 years 3 months 29 days	6 years 9 months 21 days
Weighted average discount rate	3.21%	3.04%
Operating lease expense	$ 368	$ 368
Short-term lease expense	2	2
Total lease expense	370	370
Cash paid for amounts included in lease liabilities	362	360
Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period	0	24
Other Liabilities [Member]
Lease liability	1,558	2,016
Other Assets [Member]
Right-of-use asset	$ 1,532	$ 1,998

Note 19 - Leases - Lease Liabil

Note 19 - Leases - Lease Liability Maturity Schedule (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Twelve months ending December 31, 2022	$ 293
Twelve months ending December 31, 2023	291
Twelve months ending December 31, 2024	293
Twelve months ending December 31, 2025	244
Twelve months ending December 31, 2026	211
Thereafter	394
Total undiscounted cash flows	1,726
Less: discount	(168)
Other Liabilities [Member]
Lease liability	$ 1,558	$ 2,016