National Bankshares (NKSH) 10-K 19 Mar 24 2023 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2023	Mar. 18, 2024	Jun. 30, 2023
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	2023
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
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
ICFR Auditor Attestation Flag	false
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 171,979,867
Entity Common Stock, Shares Outstanding		5,893,782
Auditor Name	Yount, Hyde & Barbour, P.C.
Auditor Firm ID	613
Auditor Location	Winchester, Virginia

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 12,967	$ 12,403
Interest-bearing deposits	73,636	59,026
Securities available for sale, at fair value	618,601	656,852
Restricted stock, at cost	1,264	941
Mortgage loans held for sale	406	0
Loans:
Gross loans	857,175	853,193
Less unearned income and deferred fees and costs	(529)	(449)
Loans, net of unearned income and deferred fees and costs	856,646	852,744
Less allowance for credit losses	(9,094)	(8,225)
Loans, net	847,552	844,519
Premises and equipment, net	11,109	10,371
Accrued interest receivable	6,313	6,001
Other real estate owned, net	0	662
Goodwill	5,848	5,848
Bank-owned life insurance (BOLI)	43,583	43,312
Other assets	34,091	37,616
Total assets	1,655,370	1,677,551
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	281,215	327,713
Interest-bearing demand deposits	821,661	933,269
Savings deposits	177,856	214,114
Time deposits	223,240	67,629
Total deposits	1,503,972	1,542,725
Accrued interest payable	1,416	106
Other liabilities	9,460	12,033
Total liabilities	1,514,848	1,554,864
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 and additional paid in capital. Authorized 10,000,000 shares; issued and outstanding, 5,893,782 (including 4,095 unvested) shares as of December 31, 2023 and 5,889,687 as of December 31, 2022	7,404	7,362
Retained earnings	197,984	199,091
Accumulated other comprehensive loss, net	(64,866)	(83,766)
Total stockholders’ equity	140,522	122,687
Total liabilities and stockholders’ equity	1,655,370	1,677,551
Real Estate Construction Portfolio Segment[Member]
Loans:
Gross loans	55,379	54,579
Less allowance for credit losses	(408)	(450)
Consumer Real Estate Portfolio Segment [Member]
Loans:
Gross loans	241,564	221,052
Less allowance for credit losses	(3,162)	(2,199)
Commercial Real Estate Portfolio Segment [Member]
Loans:
Gross loans	419,130	437,888
Less allowance for credit losses	(3,576)	(3,642)
Commercial Non Real Estate Segment [Member]
Loans:
Gross loans	41,555	57,652
Less allowance for credit losses	(682)	(930)
Public Sector and IDA Portfolio Segment[Member]
Loans:
Gross loans	60,551	48,074
Less allowance for credit losses	(333)	(319)
Consumer Non Real Estate Portfolio Segment [Member]
Loans:
Gross loans	38,996	33,948
Less allowance for credit losses	$ (583)	$ (506)

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Dec. 31, 2023	Dec. 31, 2022
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)	5,893,782	5,889,687
Common stock, shares outstanding (in shares)	5,893,782	5,889,687
Common stock, shares unvested (in shares)	4,095

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest Income
Interest and fees on loans	$ 38,924	$ 34,253
Interest on interest-bearing deposits	1,982	1,353
Interest and dividends on securities – taxable	16,536	12,788
Interest on securities – nontaxable	1,391	1,715
Total interest income	58,833	50,109
Interest Expense
Interest on time deposits	4,989	141
Interest on other deposits	16,261	2,942
Interest on borrowings	300	0
Total interest expense	21,550	3,083
Net interest income	37,283	47,026
(Recovery of) provision for credit losses	(1,261)	706
Net interest income after (recovery of) provision for credit losses	38,544	46,320
Noninterest Income:
Noninterest Income	7,072	6,994
Gain on sale of mortgage loans	107	157
BOLI income	2,026	958
Gain on sale of investment	2,971	0
Gain on sale of private equity investment	232	3,823
Other income	961	1,091
Realized securities loss, net	(3,332)	0
Total noninterest income	9,359	12,401
Noninterest Expense
Salaries and employee benefits	17,318	16,519
Occupancy, furniture and fixtures	2,005	1,934
Data processing and ATM	3,549	3,186
FDIC assessment	749	477
Net costs of other real estate owned	31	325
Franchise taxes	1,422	1,483
Professional services	1,739	999
Other operating expenses	2,415	2,035
Total noninterest expense	29,228	26,958
Income before income taxes	18,675	31,763
Income tax expense	2,984	5,831
Net income	$ 15,691	$ 25,932
Basic net income per common share (in dollars per share)	$ 2.66	$ 4.33
Fully diluted net income per common share (in dollars per share)	2.66	4.33
Dividends declared per common share (in dollars per share)	$ 2.51	$ 1.5
Deposit Account [Member]
Noninterest Income:
Noninterest Income	$ 2,518	$ 2,425
Product and Service, Other [Member]
Noninterest Income:
Noninterest Income	297	214
Credit and Debit Card [Member]
Noninterest Income:
Noninterest Income	1,678	1,916
Fiduciary and Trust [Member]
Noninterest Income:
Noninterest Income	$ 1,901	$ 1,817

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Net income	$ 15,691	$ 25,932
Other Comprehensive Income (Loss), Net of Tax
Unrealized holding gain (loss) on available for sale securities net of tax of $4,315 in 2023 and ($22,403) in 2022	16,233	(84,275)
Reclassification adjustment for loss included in net income, net of tax of $700 in 2023	2,632	0
Net pension gain arising during the period, net of tax of $9 in 2023 and $1,214 in 2022	35	4,567
Other comprehensive income (loss), net of tax of $5,024 in 2023 and ($21,189) in 2022	18,900	(79,708)
Total Comprehensive Income (Loss)	$ 34,591	$ (53,776)

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Unrealized holding gain (loss) on available for sale securities, tax	$ 4,315	$ (22,403)
Reclassification adjustment for gain included in net income, tax	700
Net pension gain (losses) arising during the period, tax	9	1,214
Other comprehensive income (loss), tax	$ 5,024	$ (21,189)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock Including Additional Paid in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock Including Additional Paid in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2021					$ 7,580	$ 188,229	$ (4,058)	$ 191,751
Net income					0	25,932	0	25,932
Other comprehensive income (loss), net of tax					0	0	(79,708)	(79,708)
Cash dividend					0	(8,950)	0	(8,950)
Stock repurchase					(218)	(6,120)	0	(6,338)
Other comprehensive income (loss), net of tax					0	0	(79,708)	(79,708)
Balance (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022	$ 0	$ (2,014)	$ 0	$ (2,014)
Balance at Dec. 31, 2022					7,362	199,091	(83,766)	122,687
Net income					0	15,691	0	15,691
Other comprehensive income (loss), net of tax					0	0	18,900	18,900
Cash dividend					0	(14,784)	0	(14,784)
Other comprehensive income (loss), net of tax					0	0	18,900	18,900
Stock based compensation					42	0	0	42
Balance at Dec. 31, 2023					$ 7,404	$ 197,984	$ (64,866)	$ 140,522

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares
Other comprehensive income (loss), tax | $	$ (21,189)
Cash dividend, per share (in dollars per share) | $ / shares	$ 1.5
Stock repurchase, shares (in shares) | shares	174,250

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Cash Flows from Operating Activities
Net income	$ 15,691	$ 25,932
Adjustment to reconcile net income to net cash provided by operating activities:
(Recovery of) provision for credit losses	(1,261)	706
Deferred income tax expense (benefit)	750	(109)
Depreciation of premises and equipment	754	609
Amortization of premiums and accretion of discounts, net	1,077	1,257
Gain on disposal of fixed assets	0	(9)
Loss on sale of securities available for sale, net	3,332	0
(Gain) loss and write-down on other real estate owned	(1)	295
Loss on sale of repossessed items	4	0
Income on investment in BOLI	(982)	(958)
Gain on sale of mortgage loans held for sale	(107)	(157)
Origination of mortgage loans held for sale	(7,624)	(7,882)
Sale of mortgage loans held for sale	7,325	8,654
Equity-based compensation expense	42	0
Net change in:
Accrued interest receivable	(312)	(897)
Other assets	(1,721)	(24)
Accrued interest payable	1,310	58
Other liabilities	(2,754)	2,025
Net cash provided by operating activities	15,523	29,500
Cash Flows from Investing Activities
Proceeds from repayments of mortgage-backed securities	12,984	32,664
Proceeds from calls, sales and maturities of securities available for sale	44,738	5,970
Purchases of securities available for sale	0	(117,341)
Net change in restricted stock	(323)	(96)
Purchases of loan participations	(7,997)	(19,051)
Collections of loan participations	7,200	21,452
Loan originations and principal collections, net	(3,594)	(52,271)
Proceeds from disposal of other real estate owned	663	0
Proceeds from disposal of repossessed assets	14	0
Recoveries on loans charged off	283	212
BOLI settlement	712	0
Additions to premises and equipment	(1,492)	(1,258)
Proceeds from sale of premises and equipment	0	9
Net cash provided by (used in) investing activities	53,188	(129,710)
Cash Flows from Financing Activities
Net change in time deposits	155,611	(11,339)
Net change in other deposits	(194,364)	59,477
Cash dividends paid	(14,784)	(8,950)
Shares repurchased	0	(6,338)
Net cash (used in) provided by financing activities	(53,537)	32,850
Net change in cash and due from banks	15,174	(67,360)
Cash and due from banks at beginning of year	71,429	138,789
Cash and due from banks at end of year	86,603	71,429
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowed funds	20,240	3,025
Income taxes paid	2,545	3,861
Supplemental Disclosures of Noncash Activities
Loans charged against the allowance for credit losses	478	367
Loans transferred to repossessed assets	11	7
Unrealized gain (loss) on securities available for sale	23,880	(106,678)
Minimum pension liability adjustment	44	5,781
Lease liabilities arising from obtaining right-of-use assets during the period	$ 0	$ 161

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Notes to Consolidated Financial Statements $ in thousands, except per share data. 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 filing date of this Form 10 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 credit 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 Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks and 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 Allowance for Credit Losses – Available for Sale Securities For available for sale securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Any impairment that is not may not no In evaluating available for sale debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, the Company considers the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. Changes in the allowance for credit losses are recorded as provision for (recovery of) credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available for sale debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable is excluded from the estimate of credit losses. Accrued interest receivable on securities of $3,281 as of December 31, 2023 December 31, 2022, Equity Securities 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 credit 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 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. Loans modified to provide relief from payments of interest or principle for more than 90 Loans in nonaccrual are reviewed on an individual loan basis to determine whether they may 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 credit 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 Sales, purchases and reclassification of loans The Company finances consumer real estate mortgages under “best efforts” contracts with mortgage purchasers. The mortgages are designated as held for sale upon initiation. There have been no not Occasionally, the Company purchases or sells participations in loans. All participation loans purchased met the Company’s normal underwriting standards at the time the participation was entered. Participation loans are included in the appropriate portfolio balances to which the allowance methodology is applied. Modified Loans Prior to January 1, 2023, two 1 2 not Subsequent to December 31, 2022, Allowance for Credit Losses on Loans ( ACLL ) The Company estimates the ACLL based on amortized cost basis, which is the amount at which the loan is originated, adjusted for net deferred fees or costs, collection of cash, and charge-offs. In the event that collection of principal becomes uncertain, the Company has policies in place to reverse accrued interest in a timely manner. Therefore, the Company has made a policy election to exclude accrued interest from the measurement of the ACLL. Accrued interest receivable on loans of $3,032 as of December 31, 2023 December 31, 2022, Intrinsic to the Company’s policy on estimating the ACLL are policies regarding loan pools, nonaccruals, past due status, collateral valuation, charge-offs and risk ratings. The Company measures expected credit losses on loans on a collective (pool) basis, when the loans share similar risk characteristics, such as collateral type and intended use, repayment source, and (if applicable) the borrower’s business model. The Company has identified the following pools of loans with similar risk characteristics for measuring expected credit losses: 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 residential real estate Commercial real estate, owner occupied Commercial real estate, other Commercial Non-Real Estate Commercial and industrial Public Sector and IDA Public sector and IDA Consumer Non-Real Estate Credit cards Automobile Other consumer loans The Company’s methodologies for estimating the ACLL consider available relevant information about the collectability of cash flows, including historical losses, reasonable and supportable forecasts of economic conditions, and current economic and portfolio conditions. The difference between cash flow estimates and amortized cost is the ACLL. The Company uses a discounted cash flow (“DCF”) method for all of its pools except for bankcards, which are measured using the historical loss rate adjusted for the forecast. For loans using the DCF method, cash flows are projected at the instrument level and discounted using the loan’s effective interest rate. Cash flows are generated using each loan’s payment attributes, adjusted for pool-level information on the probability of default (“PD”), loss given default and prepayment speeds. Default is defined as full or partial charge-off, nonaccrual status or past due 90 The Company designated national unemployment as its forecast variable. Multiple forecasts from reputable and independent third one not two three The results of DCF calculations are modified by allocations for qualitative factors to account for changes in variables that may Loans that do not The collateral method is applied to individually evaluated loans for which foreclosure is probable. The collateral method is also applied to individually evaluated loans when borrowers are experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral (“collateral dependent”). The ACLL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. When repayment is expected to be from the operation of the collateral, the ACLL is calculated as the amount by which the amortized cost basis of the loan exceeds the present value of expected cash flows from the operation of the collateral. When repayment is expected to be from the sale of the collateral, the ACLL is calculated as the amount by which the loan’s amortized cost basis exceeds the fair value of the underlying collateral less estimated cost to sell. The ACLL may zero The DCF method is applied to individually evaluated loans that do not 100% Expected credit losses are reflected in the ACLL through a charge to provision for credit losses on the Consolidated Statements of Income. When the Company deems all or a portion of a loan to be uncollectible the appropriate amount is written off against the ACLL. The Company applies judgment to determine when a financial asset is deemed uncollectible; however, generally speaking, an asset will be considered uncollectible no Unallocated surplus In addition to funding the allowance for credit losses based upon data analysis, the Company has the option to fund an unallocated surplus in excess to the calculated requirement, based upon management judgement. The Company’s policy permits an unallocated surplus of between 0% and 5% of the calculated requirement. ACL on Unfunded Commitments Financial instruments include off-balance sheet credit instruments such as undrawn portions of revolving lines of credit, commercial letters of credit, and loan commitments that have not Estimation of the allowance for credit losses The estimation of the allowance involves analysis of internal and external variables, methodologies, assumptions and management’s judgment and experience. Key judgments used in determining the allowance for credit losses include internal risk rating determinations, market and collateral values, discount rates, loss rates, and management’s assessment of current economic conditions. These judgments are inherently subjective and actual losses could be greater or less than the estimate. Future estimates of the allowance could increase or decrease based on changes in the financial condition of individual borrowers, concentrations of various types of loans, economic conditions or the markets in which collateral may 5 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 net costs of other real estate owned in the Consolidated Statements of Income. 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. For December 31, 2023, 350 20 35 3A, not 50 No Bank Owned Life Insurance The Company has purchased life insurance policies on certain key employees. The purchase of these life insurance policies allows the Company to use tax-advantaged rates of return. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and any increase in cash surrender value is recorded as income from bank owned life insurance on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company receives a death benefit which is also recorded as income from bank owned life insurance. 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 income (loss). The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation. The Company’s actuary determines plan obligations and annual pension expense using a number of key assumptions, including the discount rate, the estimated return on plan assets and the anticipated rate of compensation increases. Changes in these assumptions in the future, if any, or in the method under which benefits are calculated may 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, if any, 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 Stock Based Compensation Compensation cost is recognized for stock based payment awards issued to employees and directors, based on the fair value of these awards at the date of grant. The market price of the Company’s common stock at the date of grant is used to estimate fair value for restricted stock awards, restricted stock units, and other stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. The Company recognizes forfeitures of nonvested awards as they occur. Earnings Per Common Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period excluding nonvested restricted stock awards. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under restricted stock awards that have not 21 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 $109 for the year ended December 31, 2023 December 31, 2022. 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: Comprehensive Income (Loss) Comprehensive income (loss) consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on debt securities available for sale, net of taxes, which are also recognized as a separate component of equity. Business Combinations On January 23, 2024, second third 2024, Recent Accounting Pronouncements ASU 2023 09 In December 2023, 2023 09, 740 five five December 15, 2024. not 2023 09 ASU 2023 07 In November 2023, 2023 07, 280 280 one 280. December 15, 2023, December 15, 2024. not 2023 07 ASU 2023 06 In October 2023, 2023 06, not not two June 30, 2027, not not not 2023 06 ASU 2023 03 In July 2023, 2023 03, 205 220 480 505 718 No. 120, March 24, 2022 6.B, 280—General X: 2023 03 not 2023 03 ASU 2022 03 In June 2022, 2022 03, 820 2022 03 not not December 15, 2023. not 2022 03 Recently Adopted Accounting Developments ASU 2016 13 In June 2016, No. 2016 13, 326 2016 13 January 1, 2023. ASU 2022 02 In March 2022, No. 2022 02, 326 2022 02 2016 13 2022 02 January 1, 2023. 2022 02 January 1, 2023 2022 02 not 5 2022 02.

Note 2 - Restriction on Cash

Note 2 - Restriction on Cash	12 Months Ended
	Dec. 31, 2023
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, 2023
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, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 353,904 $ - $ 42,060 $ 311,844 States and political subdivisions 179,507 - 29,614 149,893 Mortgage-backed securities 156,875 - 6,724 150,151 Corporate debt securities 6,504 - 754 5,750 U.S. treasury 996 - 33 963 Total securities available for sale $ 697,786 $ - $ 79,185 $ 618,601 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 391,538 $ 39 $ 55,002 $ 336,575 States and political subdivisions 190,192 26 38,018 152,200 Mortgage-backed securities 170,694 22 9,239 161,477 Corporate debt securities 6,501 - 837 5,664 U.S. treasury 992 - 56 936 Total securities available for sale $ 759,917 $ 87 $ 103,152 $ 656,852 No allowance for credit loss on securities available for sale was recorded as of December 31, 2023. The deferred tax asset for the net unrealized loss on securities available for sale was $16,629 as of December 31, 2023 December 31, 2022. The amortized cost and fair value of single maturity securities available for sale, by contractual maturity as of the date indicated, are shown below. Mortgage-backed securities are categorized by final maturity. Expected maturities may may December 31, 2023 Amortized Cost Fair Value Due in one year or less $ 3,795 $ 3,748 Due after one year through five years 178,297 166,386 Due after five years through ten years 277,155 238,409 Due after ten years 238,539 210,058 Total securities available for sale $ 697,786 $ 618,601 Information pertaining to securities with gross unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous loss position as of the dates indicated, follows: December 31, 2023 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. government agencies and corporations $ - $ - $ 311,844 $ 42,060 State and political subdivisions 884 1 148,763 29,613 Mortgage-backed securities 1,616 26 147,922 6,698 Corporate debt securities - - 5,750 754 U.S. treasury - - 963 33 Total temporarily impaired securities $ 2,500 $ 27 $ 615,242 $ 79,158 December 31, 2022 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. Government agencies and corporations $ 144,574 $ 12,699 $ 190,950 $ 42,303 State and political subdivisions 94,657 18,373 52,134 19,645 Mortgage-backed securities 144,198 7,326 15,165 1,913 Corporate debt securities 4,843 655 821 182 U.S. treasury 936 56 - - Total temporarily impaired securities $ 389,208 $ 39,109 $ 259,070 $ 64,043 The Company evaluates securities available for sale that are in unrealized loss positions to determine whether the impairment is due to credit-related factors or noncredit-related factors. Consideration is given to the extent to which the fair value is less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the security for a period of time sufficient to allow for any anticipated recovery in fair value. At December 31, 2023, No no December 31, 2023. not not not not Realized Securities Gains and Losses During 2023, not 2022. For the Year Ended December 31, 2023 Proceeds Book Value Gross Gain Gross Loss Net Loss Available for sale $ 43,518 $ 46,850 $ 137 $ 3,469 $ 3,332 Restricted Stock The Company held restricted stock of $1,264 as of December 31, 2023 December 31, 2022. not Redemption of FHLB stock is subject to certain limitations and conditions. At its discretion, the FHLB may December 31, 2023. December 31, 2023, not Pledged Securities As of December 31, 2023 2022,

Note 4 - Related Party Transact

Note 4 - Related Party Transactions	12 Months Ended
	Dec. 31, 2023
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 $15,409 as of December 31, 2023 December 31, 2022. 2023, 2022, The Company held $17,117 in deposits for related parties as of December 31, 2023 December 31, 2022. The Company leased to a director a small office space. The lease was terminated during 2022. 2022. 2023 2022.

Note 5 - Allowance for Loan Los

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	Note 5: Please refer to Note 1: A detailed analysis showing the allowance roll-forward by portfolio segment for the periods indicated follows: Activity in the Allowance for Credit Losses on Loans for the Year Ended December 31, 2023 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, 2022 $ 450 $ 2,199 $ 3,642 $ 930 $ 319 $ 506 $ 179 $ 8,225 Adoption of ASU 2016-13 (21 ) 1,261 700 216 (15 ) 72 129 2,342 Charge-offs - (17 ) - (214 ) - (247 ) - (478 ) Recoveries - 103 45 6 - 129 - 283 (Recovery of) provision for credit losses (21 ) (384 ) (811 ) (256 ) 29 123 42 (1,278 ) Balance, December 31, 2023 $ 408 $ 3,162 $ 3,576 $ 682 $ 333 $ 583 $ 350 $ 9,094 Activity in the Allowance for Loan Losses by Segment for the Year Ended December 31, 2022 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, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Charge-offs - (13 ) - (2 ) - (352 ) - (367 ) Recoveries - 29 49 11 - 123 - 212 Provision for (recovery of) loan losses 28 253 472 (178 ) 22 291 (182 ) 706 Balance, December 31, 2022 $ 450 $ 2,199 $ 3,642 $ 930 $ 319 $ 506 $ 179 $ 8,225 A detailed analysis showing the allowance and loan portfolio by segment and evaluation method as of the dates indicated follows: Allowance for Credit Losses on Loans by Segment and Evaluation Method as of December 31, 2023 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 $ - $ 74 $ 367 $ 126 $ - $ 5 $ - $ 572 Collectively evaluated 408 3,088 3,209 556 333 578 350 8,522 Total $ 408 $ 3,162 $ 3,576 $ 682 $ 333 $ 583 $ 350 $ 9,094 Loans by Segment and Evaluation Method as of December 31, 2023 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non-Real Estate Total Individually evaluated $ 286 $ 1,183 $ 8,805 $ 227 $ - $ 43 $ 10,544 Collectively evaluated 55,093 240,381 410,325 41,328 60,551 38,953 846,631 Total $ 55,379 $ 241,564 $ 419,130 $ 41,555 $ 60,551 $ 38,996 $ 857,175 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2022 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 $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated 450 2,199 3,642 930 319 506 179 8,225 Total $ 450 $ 2,199 $ 3,642 $ 930 $ 319 $ 506 $ 179 $ 8,225 Loans by Segment and Evaluation Method as of December 31, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non- Real Estate Total Individually evaluated $ - $ 186 $ 2,583 $ 263 $ - $ - $ 3,032 Collectively evaluated 54,579 220,866 435,305 57,389 48,074 33,948 850,161 Total $ 54,579 $ 221,052 $ 437,888 $ 57,652 $ 48,074 $ 33,948 $ 853,193 A summary of ratios for the allowance for credit losses, as of the dates indicated, follows: December 31, 2023 2022 Ratio of ACLL to the end of period loans, net of unearned income and deferred fees and costs 1.06 % 0.96 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.02 % 0.02 % The following table presents nonaccrual loans, by class, as of the dates indicated: CECL Incurred Loss December 31, 2023 December 31, 2022 Nonaccrual Loans With No Allowance With an Allowance Total Consumer Real Estate Residential closed-end first liens $ - $ - $ - $ 91 Commercial Real Estate Commercial real estate owner-occupied 2,177 231 2,408 2,493 Commercial Non-Real Estate Commercial and industrial - 221 221 263 Total $ 2,177 $ 452 $ 2,629 $ 2,847 In accordance with CECL, the Company identifies individually evaluated loans when their risk characteristics become different from their pool. Under previous GAAP, the Company identified loans for potential impairment through a variety of means, including, but not not 2022 10 Individually Evaluated Loans under Incurred Loss as of December 31, 2022 Principal Balance Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) Which There is a Related Allowance Related Allowance Consumer Real Estate Investor-owned residential real estate $ 186 $ 186 $ 186 $ - $ - Commercial Real Estate Commercial real estate, owner occupied 3,248 2,583 2,583 - - Commercial Non-Real Estate Commercial and industrial 285 263 263 - - Total $ 3,719 $ 3,032 $ 3,032 $ - $ - ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. The following table shows the average recorded investment and interest income recognized for individually evaluated loans under the incurred loss model for the period indicated. Only classes with individually evaluated loans are presented. For the Year Ended December 31, 2022 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 188 $ 13 Commercial Real Estate Commercial real estate, owner occupied 2,587 5 Commercial real estate, other 729 - Commercial Non-Real Estate Commercial and industrial 272 - Total $ 3,776 $ 18 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. The following tables present the aging of past due loans, by loan pool, as of the dates indicated. December 31, 2023 Accruing Current Loans Accruing Loans 30 – 89 Days Past Due Accruing Loans 90 or More Days Past Due Nonaccrual Loans Total Loans Accruing and Nonaccrual 90 or More Days Past Due Real Estate Construction Construction, 1-4 family residential $ 13,442 $ - $ - $ - $ 13,442 $ - Construction, other 41,916 21 - - 41,937 - Consumer Real Estate Equity line 17,178 104 - - 17,282 - Residential closed-end first liens 124,886 662 131 - 125,679 131 Residential closed-end junior liens 5,027 12 - - 5,039 - Investor-owned residential real estate 93,564 - - - 93,564 - Commercial Real Estate Multifamily residential real estate 119,052 195 - - 119,247 - Commercial real estate owner-occupied 114,477 336 - 2,408 117,221 231 Commercial real estate, other 182,662 - - - 182,662 - Commercial Non-Real Estate Commercial and industrial 41,249 57 28 221 41,555 28 Public Sector and IDA States and political subdivisions 60,551 - - - 60,551 - Consumer Non-Real Estate Credit cards 4,648 17 3 - 4,668 3 Automobile 12,126 135 - - 12,261 - Other consumer loans 21,934 107 26 - 22,067 26 Total $ 852,712 $ 1,646 $ 188 $ 2,629 $ 857,175 $ 419 December 31, 2022 Accruing Current Loans Accruing Loans 30 – 89 Days Past Due Accruing Loans 90 or More Days Past Due Nonaccrual Loans Total Loans Accruing and Nonaccrual 90 or More Days Past Due Real Estate Construction Construction, 1-4 family residential $ 12,538 $ - $ - $ - $ 12,538 $ - Construction, other 42,041 - - - 42,041 - Consumer Real Estate Equity line 15,010 16 - - 15,026 - Residential closed-end first liens 121,807 750 - 91 122,648 91 Residential closed-end junior liens 2,446 - - - 2,446 - Investor-owned residential real estate 80,524 408 - - 80,932 - Commercial Real Estate Multifamily residential real estate 127,312 - - - 127,312 - Commercial real estate owner-occupied 126,640 - - 2,493 129,133 252 Commercial real estate, other 181,443 - - - 181,443 - Commercial Non-Real Estate Commercial and industrial 57,373 16 - 263 57,652 - Public Sector and IDA States and political subdivisions 48,074 - - - 48,074 - Consumer Non-Real Estate Credit cards 4,592 3 2 - 4,597 2 Automobile 9,833 102 - - 9,935 - Other consumer loans 19,317 93 6 - 19,416 6 Total $ 848,950 $ 1,388 $ 8 $ 2,847 $ 853,193 $ 351 Collateral Dependent Loans Loans are collateral dependent when repayment is expected substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. Collateral dependent loans are individually evaluated. The Company measures the ACL on collateral dependent loans based upon the fair value of the collateral, as permitted by ASU 2016 13. no As of December 31, 2023, three December 31, 2023 Amortized Cost Related Allowance Consumer Real Estate Residential closed-end first lien $ 7 $ - Commercial Real Estate Commercial real estate owner-occupied 2,177 - Total Loans $ 2,184 $ - Credit Quality The Company categorizes loans by risk based on relevant information about the ability of borrowers to service their debt, including: collateral and financial information, historical payment experience, credit documentation and current economic trends, among other factors. At origination, each loan is assigned a risk rating. Ongoing analysis of the loan portfolio adjusts risk ratings on an individual loan basis to reflect updated information. General descriptions of risk ratings are as follows: ● Pass: loans with acceptable credit quality are rated pass. ● Special mention: loans with potential weaknesses due to challenging economic or financial conditions are rated special mention. ● Classified: loans with well-defined weaknesses that heighten the risk of default are rated classified. The following table presents the amortized cost basis of the loan portfolio, by year of origination, loan class, and credit quality, as of the date indicated. Term Loans Amortized Cost Basis by Origination Year Revolving Loans December 31, 2023 Prior 2019 2020 2021 2022 2023 Revolving Converted to Term Total Construction, residential Pass $ - $ - $ 246 $ 158 $ 3,275 $ 5,157 $ 4,606 $ - $ 13,442 Construction, other Pass $ 2,741 $ 1,094 $ 1,305 $ 12,671 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,651 Classified - - - 286 - - - - 286 Total $ 2,741 $ 1,094 $ 1,305 $ 12,957 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,937 Equity lines Pass $ 51 $ - $ - $ - $ - $ - $ 17,182 $ - $ 17,233 Classified - - - - - - 49 - 49 Total $ 51 $ - $ - $ - $ - $ - $ 17,231 $ - $ 17,282 Residential closed-end first liens Pass $ 32,404 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,253 Classified 426 - - - - - - - 426 Total $ 32,830 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,679 YTD gross charge-offs $ - $ - $ 17 $ - $ - $ - $ - $ - $ 17 Residential closed-end junior liens Pass $ 1,499 $ 116 $ - $ 172 $ 1,387 $ 1,850 $ - $ 15 $ 5,039 Investor-owned residential real estate Pass $ 24,556 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 92,856 Classified 708 - - - - - - - 708 Total $ 25,264 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 93,564 Multifamily residential real estate Pass $ 40,092 $ 1,806 $ 2,148 $ 40,544 $ 25,681 $ 8,850 $ 126 $ - $ 119,247 Commercial real estate, owner occupied Pass $ 41,573 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 108,416 Special mention 6,396 - - - - - - - 6,396 Classified 2,409 - - - - - - - 2,409 Total $ 50,378 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 117,221 Commercial real estate, other Pass $ 68,889 $ 21,841 $ 19,098 $ 36,157 $ 22,697 $ 13,279 $ 701 $ - $ 182,662 Commercial and industrial Pass $ 6,004 $ 438 $ 1,060 $ 12,667 $ 6,954 $ 6,938 $ 7,267 $ - $ 41,328 Classified 220 - - - 7 - - - 227 Total $ 6,224 $ 438 $ 1,060 $ 12,667 $ 6,961 $ 6,938 $ 7,267 $ - $ 41,555 YTD gross charge-offs $ - $ 12 $ - $ - $ - $ 12 $ 190 $ - $ 214 Public sector and IDA Pass $ 20,817 $ - $ 235 $ 26,702 $ 6,335 $ 6,462 $ - $ - $ 60,551 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,668 $ - $ 4,668 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 39 $ - $ 39 Automobile Pass $ 78 $ 204 $ 563 $ 1,619 $ 2,750 $ 7,047 $ - $ - $ 12,261 YTD gross charge-offs $ - $ 3 $ - $ 1 $ 38 $ - $ - $ - $ 42 Other Consumer Pass $ 93 $ 334 $ 811 $ 1,943 $ 5,815 $ 12,356 $ 672 $ - $ 22,024 Special mention - - - - - 17 - - 17 Classified - - - - 11 15 - - 26 Total $ 93 $ 334 $ 811 $ 1,943 $ 5,826 $ 12,388 $ 672 $ - $ 22,067 YTD gross charge-offs $ - $ - $ - $ 19 $ 52 $ 95 $ - $ - $ 166 Total Loans Pass $ 238,797 $ 47,892 $ 87,156 $ 187,901 $ 152,964 $ 90,825 $ 40,983 $ 113 $ 846,631 Special mention 6,396 - - - - 17 - - 6,413 Classified 3,763 - - 286 18 15 49 - 4,131 Total $ 248,956 $ 47,892 $ 87,156 $ 188,187 $ 152,982 $ 90,857 $ 41,032 $ 113 $ 857,175 YTD gross charge-offs $ - $ 15 $ 17 $ 20 $ 90 $ 107 $ 229 $ - $ 478 The following table presents the recorded investment of collectively evaluated loans by loan pool and credit quality as of the date indicated. December 31, 2022 Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 12,538 $ - $ - Construction, other 41,741 - 300 Consumer Real Estate Equity lines 15,026 - - Residential closed-end first liens 122,187 - 461 Residential closed-end junior liens 2,446 - - Investor-owned residential real estate 80,143 - 603 Commercial Real Estate Multifamily residential real estate 127,312 - - Commercial real estate owner-occupied 126,550 - - Commercial real estate, other 181,443 - - Commercial Non-Real Estate Commercial and industrial 57,381 - 8 Public Sector and IDA States and political subdivisions 48,074 - - Consumer Non-Real Estate Credit cards 4,597 - - Automobile 9,932 - 3 Other consumer 19,398 - 18 Total $ 848,768 $ - $ 1,393 Loan Modifications to Borrowers Experiencing Financial Difficulty The Company modifies loans for a variety of reasons. At the date of modification, the Company assesses whether the borrower is experiencing financial difficulty. If the borrower is experiencing financial difficulty, the loan’s risk rating is evaluated and is typically changed to special mention or classified, which results in individual evaluation of the loan for the ACLL. The Company modified one loan to a borrower experiencing financial difficulty during the year ended December 31, 2023. Interest Only Payments Year Ended December 31, 2023 Amortized Cost Basis % of Portfolio Financial Effect Commercial Real Estate Commercial real estate owner-occupied $ 6,396 5.46 % 6 months of interest only payments, after which remaining balance will be re-amortized to the contractual maturity date. The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty. The commercial real estate owner-occupied loan is in current status as of December 31, 2023. There were no loans to borrowers experiencing financial difficulty that defaulted during the year ended December 31, 2023 twelve three one 90 Under GAAP in effect for December 31, 2022, No 2022. December 31, 2022, none 12 ACL on Unfunded Commitments The following table presents information on the ACL for unfunded commitments for the year ended December 31, 2023: Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2022 $ 35 Adoption of ASU 2016-13 207 Provision for credit losses 17 Balance, December 31, 2023 $ 259

Note 6 - Premises and Equipment

Note 6 - Premises and Equipment	12 Months Ended
	Dec. 31, 2023
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, 2023 2022 Premises $ 15,724 $ 15,435 Furniture and equipment 7,862 6,658 Premises and equipment 23,586 22,093 Accumulated depreciation (12,477 ) (11,722 ) Premises and equipment, net $ 11,109 $ 10,371 Depreciation expense for the years ended December 31, 2023 2022 Premises includes construction in process. NBB has purchased land and developed plans for a new branch building in Roanoke, Virginia. The amount for the Roanoke location included in construction in process totaled $1,822 as of December 31, 2023 December 31, 2022. 2024.

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 7: The aggregate amounts of time deposits in denominations of $250 December 31, 2023 2022 December 31, 2023, Year of Maturity Time Deposits 2024 $ 214,540 2025 2,831 2026 2,110 2027 2,219 2028 1,540 Thereafter - Total time deposits $ 223,240 As of December 31, 2023 2022, no 5%

Note 8 - Employee Benefit Plans

Note 8 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2023
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, 2023 2022, 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, 2023 December 31, 2022. December 31, 2023, 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 December 31, 2023 December 31, 2022. 2023 2022, 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, 2023 2022 Change in benefit obligation Projected benefit obligation at beginning of year $ 23,128 $ 35,312 Service cost (1) 813 1,297 Interest cost (2) 1,091 817 Actuarial loss (gain) (3) 1,542 (11,566 ) Benefits paid (824 ) (2,732 ) Projected benefit obligation at end of year $ 25,750 $ 23,128 Change in plan assets Fair value of plan assets at beginning of year $ 29,746 $ 36,187 Actual return on plan assets 3,587 (3,709 ) Benefits paid (824 ) (2,732 ) Fair value of plan assets at end of year $ 32,509 $ 29,746 Funded status at the end of the year $ 6,759 $ 6,618 Amounts recognized in the Consolidated Balance Sheet Deferred tax liabilities $ (1,419 ) $ (1,390 ) Other assets 6,759 6,618 Total amounts recognized in the Consolidated Balance Sheet $ 5,340 $ 5,228 Amounts recognized in accumulated other comprehensive loss, net Net loss $ (2,924 ) $ (2,968 ) Deferred tax asset 614 623 Amount recognized $ (2,310 ) $ (2,345 ) (continued ) Accrued/Prepaid benefit cost, net Benefit obligation $ (25,750 ) $ (23,128 ) Fair value of assets 32,509 29,746 Unrecognized net actuarial loss 2,924 2,968 Deferred tax liability (2,033 ) (2,013 ) Prepaid benefit cost included in other assets $ 7,650 $ 7,573 Components of net periodic benefit cost Service cost (1) $ 813 $ 1,297 Interest cost (2) 1,091 817 Expected return on plan assets (2) (2,070 ) (2,517 ) Recognized net actuarial loss (2) 69 441 Net periodic benefit cost $ (97 ) $ 38 Other changes in plan assets and benefit obligations recognized in other comprehensive loss Net gain $ (44 ) $ (5,781 ) Deferred income tax expense 9 1,214 Total recognized $ (35 ) $ (4,567 ) Total recognized in net periodic benefit cost and other comprehensive loss $ (141 ) $ (5,743 ) Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 5.00 % 2.50 % Discount rate used for disclosure 4.75 % 5.00 % 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 on the Consolidated Statements of Income. ( 2 Cost is included in other operating expense on the Consolidated Statements of Income. ( 3 Please see table below for detail on the components of actuarial loss (gain). The following table presents the components of actuarial loss (gain): For the Year Ended December 31, Components of actuarial loss (gain) 2023 2022 Loss due to demographic changes $ 934 $ 66 Gain due to change in mortality table (291 ) - Loss (gain) due to change in discount rate 899 (11,632 ) Actuarial loss (gain) 1,542 (11,566 ) (Gain) loss due to asset return (1,517 ) 6,226 Actuarial loss (gain) with asset return 25 (5,340 ) 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’s Pension Administrative Committee Policy (the “Policy”) sets requirements 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 2024 not Fair Value Measurements as of December 31, 2023 Asset Category Total Level 1 Level 2 Level 3 Cash $ 867 $ 867 $ - $ - Equity securities: U. S. companies 17,540 17,540 - - International companies 400 400 - - Equities mutual funds (1) 6,098 6,098 - - State and political subdivisions 51 - 51 - Corporate bonds – investment grade (2) 7,553 - 7,553 - Total pension plan assets $ 32,509 $ 24,905 $ 7,604 $ - Fair Value Measurements as of December 31, 2022 Asset Category Total Level 1 Level 2 Level 3) Cash $ 415 $ 415 $ - $ - Equity securities: U. S. companies 15,459 15,459 - - International companies 770 770 - - Equities mutual funds (1) 6,090 6,090 - - State and political subdivisions 51 - 51 - Corporate bonds – investment grade (2) 6,961 - 6,961 - Total pension plan assets $ 29,746 $ 22,734 $ 7,012 $ - ( 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, as of December 31, 2023 Year Estimated Benefit Payment 2024 $ 4,971 2025 $ 783 2026 $ 1,824 2027 $ 1,746 2028 $ 1,817 2029 - 2033 $ 11,559

Note 9 - Income Taxes

Note 9 - Income Taxes	12 Months Ended
	Dec. 31, 2023
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 2020. Year Ended December 31, 2023 2022 Current $ 2,234 $ 5,940 Deferred (benefit) expense 750 (109 ) Total income tax expense $ 2,984 $ 5,831 The following reconciles the “expected” income tax expense, computed by applying the U.S. federal income tax rate of 21% Year Ended December 31, 2023 2022 Computed “expected” income tax expense $ 3,922 $ 6,670 Tax-exempt interest income (354 ) (728 ) Nondeductible interest expense (170 ) 24 Other, net (414 ) (135 ) Reported income tax expense $ 2,984 $ 5,831 The components of net deferred tax assets, included in other assets as of the dates indicated, are as follows: December 31, 2023 2022 Deferred tax assets: Allowance for credit losses and unearned fee income $ 2,155 $ 1,906 Valuation allowance on other real estate owned - 248 Defined benefit pension plan 614 623 Deferred compensation and other liabilities 889 919 Net unrealized loss on securities available for sale 16,629 21,644 Lease accounting 237 303 Unvested stock-based compensation 5 - Total deferred tax assets $ 20,529 $ 25,643 Deferred tax liabilities: Fixed assets $ (597 ) $ (463 ) Goodwill (1,228 ) (1,228 ) Defined benefit pension plan, prepaid portion (2,034 ) (2,013 ) Lease accounting (230 ) (297 ) Discount accretion of securities (122 ) (84 ) Total deferred tax liabilities (4,211 ) (4,085 ) Net deferred tax assets $ 16,318 $ 21,558 The Company determined that no valuation allowance for gross deferred tax assets was necessary as of December 31, 2023 2022.

Note 10 - Restrictions on Divid

Note 10 - Restrictions on Dividends	12 Months Ended
	Dec. 31, 2023
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, 2023 2022, 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 2023 2022, one December 31, 2023, 2024.

Note 11 - Minimum Regulatory Ca

Note 11 - Minimum Regulatory Capital Requirement	12 Months Ended
	Dec. 31, 2023
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 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, 2023 2022, not 1 CET1 1 2 2 December 31, 2023 December 31, 2022. December 31, 2023 2022, As of December 31, 2023, 1 CET1 1 no NBB’s capital amounts and ratios as of the dates indicated are presented in the following tables. December 31, 2023 Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets) $ 195,782 18.09 % $ 113,627 10.50 % $ 108,216 10.00 % Tier 1 Capital (to Risk Weighted Assets) $ 186,429 17.23 % $ 91,983 8.50 % $ 86,573 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) $ 186,429 17.23 % $ 75,751 7.00 % $ 70,340 6.50 % Tier 1 Capital (to Average Assets) $ 186,429 11.05 % $ 67,491 4.00 % $ 84,364 5.00 % December 31, 2022 Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets) $ 191,883 17.57 % $ 114,671 10.50 % $ 109,210 10.00 % Tier 1 Capital (to Risk Weighted Assets) $ 183,623 16.81 % $ 92,829 8.50 % $ 87,368 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) $ 183,623 16.81 % $ 76,447 7.00 % $ 70,987 6.50 % Tier 1 Capital (to Average Assets) $ 183,623 10.50 % $ 69,925 4.00 % $ 87,406 5.00 % ( 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, 2023
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 and for the years indicated, is as follows: Condensed Balance Sheets December 31, 2023 2022 Assets Cash due from subsidiaries $ 11,010 $ 14,927 Investments in subsidiaries 129,731 107,746 Refundable income taxes - 70 Other assets 655 648 Total assets $ 141,396 $ 123,391 Liabilities and Stockholders Equity Other liabilities $ 874 $ 704 Stockholders’ equity 140,522 122,687 Total liabilities and stockholders’ equity $ 141,396 $ 123,391 Condensed Statements of Income Year Ended December 31, 2023 2022 Income Dividends from subsidiaries $ 12,000 $ 25,000 Gain on sale of private equity investment 232 3,823 Total income 12,232 28,823 Expenses Other expenses 2,142 1,220 Income before income tax benefit (expense) and equity in undistributed net income of subsidiaries 10,090 27,603 Applicable income tax benefit (expense) 499 (491 ) Income before equity (deficit) in undistributed net income of subsidiaries 10,589 27,112 Equity (deficit) in undistributed net income of subsidiaries 5,102 (1,180 ) Net income $ 15,691 $ 25,932 Condensed Statements of Cash Flows Year Ended December 31, 2023 2022 Cash Flows from Operating Activities Net income $ 15,691 $ 25,932 Adjustments to reconcile net income to net cash provided by operating activities: (Equity) deficit in undistributed net income of subsidiaries (5,102 ) 1,180 Net change in refundable income taxes due from subsidiaries 70 576 Net change in other assets 38 593 Net change in other liabilities 170 (390 ) Net cash provided by operating activities 10,867 27,891 (continued) Cash Flows from Financing Activities Cash dividends paid (14,784 ) (8,950 ) Shares repurchased - (6,338 ) Net cash used in financing activities (14,784 ) (15,288 ) Net change in cash (3,917 ) 12,603 Cash due from subsidiaries at beginning of year 14,927 2,324 Cash due from subsidiaries at end of year $ 11,010 $ 14,927

Note 13 - Financial Instruments

Note 13 - Financial Instruments With Off-balance Sheet Risk	12 Months Ended
	Dec. 31, 2023
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 The following table presents the unfunded balance of financial instruments that pose credit risk as of the dates indicated: December 31, 2023 2022 Commitments to extend credit $ 220,656 $ 197,459 Standby letters of credit 20,711 17,021 Mortgage loans sold with potential recourse 7,325 8,654 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 2023, 2022. may may may 12 As of December 31, 2023, not The Company maintains cash accounts in other commercial banks. The Company had $962 in deposits with correspondent institutions as of December 31, 2023 not

Note 14 - Concentrations of Cre

Note 14 - Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2023
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 Virginia counties of Albemarle, Augusta, Bedford, Bland, Botetourt, Buchanan, Carroll, Craig, Floyd, Franklin, Giles, Grayson, Montgomery, Pulaski, Roanoke, Rockbridge, Rockingham, Russell, Tazewell, Smyth, Washington, Wythe, and the cities of Bristol, Buena Vista, Charlottesville, Galax, Harrisonburg, Lexington, Lynchburg, Radford, Roanoke, Salem, Staunton, and Waynesboro. The service area also includes the West Virginia counties of Mercer, Monroe and McDowell and the Tennessee city of Bristol and counties of Sullivan and Washington. 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. Real estate mortgage loans secured by property outside NBB’s primary service area are not not Loans secured by residential real estate were $241,564, or approximately 28% of the portfolio, and $221,052, or 26% of the portfolio as of December 31, 2023 2022, December 31, 2023 2022 December 31, 2023 2022, December 31, 2023 December 31, 2022. 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, 2023
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 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 Fair Value Measurement Using December 31, 2023 Balance Level 1 Level 2 Level 3 U.S. government agencies and corporations $ 311,844 $ - $ 311,844 $ - States and political subdivisions 149,893 - 149,893 - Mortgage-backed securities 150,151 - 150,151 - Corporate debt securities 5,750 - 5,750 - U.S. treasury 963 963 Total securities available for sale $ 618,601 $ - $ 618,601 $ - Fair Value Measurement Using December 31, 2022 Balance Level 1 Level 2 Level 3 U.S. Government agencies and corporations $ 336,575 $ - $ 336,575 $ - States and political subdivisions 152,200 - 152,200 - Mortgage-backed securities 161,477 - 161,477 - Corporate debt securities 5,664 - 5,664 - U.S. treasury 936 - 936 - Total securities available for sale $ 656,852 $ - $ 656,852 $ - The Company’s securities portfolio is valued using Level 2 third two third 2 may Interest Rate Loan Contracts and Forward Sale Commitment The Company originates consumer real estate loans which it intends to sell to a correspondent lender. Interest rate loan contracts and forward sale commitments 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 is 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 sale commitments 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 had one December 31, 2023, one December 31, 2022, December 31, 2022 not The following tables present information on the interest rate loan contracts and forward sale commitments as of the date indicated: Fair Value Measurement Using December 31, 2023 Balance (Level 1) (Level 2) (Level 3) Interest rate loan contract $ 3 $ - $ - $ 3 Forward sale commitment $ (4 ) $ - $ - $ (4 ) December 31, 2023 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate loan contract Market approach Pull-through rate 100% (1) Forward sale commitment Market approach Pull-through rate 100% (1) Interest rate loan contract Market approach Current reference price 102.64% (2) Forward sale commitment Market approach Current reference price 101.60% - 102.64% (101.98%) (3) ( 1 All contracts are valued using the same pull-through rate ( 2 Comprised of only one ( 3 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 No December 31, 2022. Collateral Dependent Loans Collateral dependent loans are measured on a non-recurring basis for the ACL. As of December 31, 2023, three None 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 may 3 The Company did not December 31, 2023. December 31, 2022. Carrying Value Date Description Balance Level 1 Level 2 Level 3 December 31, 2022 OREO net of valuation allowance $ 662 $ - $ - $ 662 The following table presents information about OREO and Level 3 Date Valuation Technique Unobservable Input Discount December 31, 2022 Discounted appraised value Selling cost 7.00 % December 31, 2022 Discounted appraised value Discount for lack of marketability 34.72 % As of December 31, 2022, 2022, 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, 2023 December 31, 2022. Estimated Fair Value December 31, 2023 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,967 $ 12,967 $ - $ - Interest-bearing deposits 73,636 73,636 - - Securities available for sale 618,601 - 618,601 - Restricted stock, at cost 1,264 - 1,264 - Mortgage loans held for sale 406 - 406 - Loans, net 847,552 - - 793,800 Accrued interest receivable 6,313 - 6,313 - Bank-owned life insurance 43,583 - 43,583 - Interest rate loan contract 3 - - 3 Financial liabilities: Deposits $ 1,503,972 $ - $ 1,280,732 $ 222,374 Accrued interest payable 1,416 - 1,416 - Forward sale commitment 4 - - 4 Estimated Fair Value December 31, 2022 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,403 $ 12,403 $ - $ - Interest-bearing deposits 59,026 59,026 - - Securities available for sale 656,852 - 656,852 - Restricted stock, at cost 941 - 941 - Loans, net 844,519 - - 781,749 Accrued interest receivable 6,001 - 6,001 - Bank-owned life insurance 43,312 - 43,312 - Financial liabilities: Deposits $ 1,542,725 $ - $ 1,475,096 $ 67,542 Accrued interest payable 106 - 106 -

Note 16 - Components of Accumul

Note 16 - Components of Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2023
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 loss for the years ended December 31, 2023 2022: Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance as of December 31, 2021 $ 2,854 $ (6,912 ) $ (4,058 ) Unrealized holding loss on available for sale securities net of tax of ($22,403) (84,275 ) - (84,275 ) Net pension gain, net of tax of $1,214 - 4,567 4,567 Balance as of December 31, 2022 $ (81,421 ) $ (2,345 ) $ (83,766 ) Unrealized holding gain on available for sale securities net of tax of $4,315 16,233 - 16,233 Reclassification adjustment, net of tax of $700 2,632 - 2,632 Net pension gain, net of tax of $9 - 35 35 Balance as of December 31, 2023 $ (62,556 ) $ (2,310 ) $ (64,866 ) The following table provides detail on reclassifications out of accumulated other comprehensive loss for the years indicated: December 31, 2023 2022 Component of Accumulated Other Comprehensive Loss Reclassification out of unrealized losses on available for sale securities: Realized securities loss, net $ (3,332 ) $ - Income tax benefit 700 - Realized loss on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss $ (2,632 ) $ -

Note 17 - Goodwill

Note 17 - Goodwill	12 Months Ended
	Dec. 31, 2023
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. As of December 31, 2023 December 31, 2022, 2023 2022 not

Note 18 - Revenue Recognition

Note 18 - Revenue Recognition	12 Months Ended
	Dec. 31, 2023
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 safe 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. OREO Gains and Losses The Company records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Company finances the sale of OREO to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, December 31, 2023 2022. December 31, 2023 2022 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 2,518 $ 2,425 Other service charges and fees 297 214 Credit and debit card fees, net 1,678 1,916 Trust income 1,901 1,817 Insurance and Investment (1) 677 622 Gain on sale of OREO (1) 1 - Noninterest Income (in-scope of Topic 606) $ 7,072 $ 6,994 Noninterest Income (out-of-scope of Topic 606) 2,287 5,407 Total noninterest income $ 9,359 $ 12,401 ( 1 Included within net costs of other real estate owned on the Consolidated Statements of Income.

Note 19 - Leases

Note 19 - Leases	12 Months Ended
	Dec. 31, 2023
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 six December 31, 2023, four two five one two three not not one five 2020 not None none The contracts in which the Company is lessee are with parties external to the Company and not December 31, 2023 December 31, 2022 Lease liability $ 1,127 $ 1,444 Right-of-use asset $ 1,096 $ 1,415 Weighted average remaining lease term (in years) 4.39 5.14 Weighted average discount rate 3.29 % 3.29 % For the Year Ended December 31, 2023 2022 Lease Expense Operating lease expense $ 364 $ 331 Short-term lease expense 20 2 Total lease expense $ 384 $ 333 Cash paid for amounts included in lease liabilities $ 382 $ 331 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ 161 The following table presents a maturity schedule of undiscounted cash flows that contribute to the lease liability as of the dates indicated: Undiscounted Cash Flow for the As of December 31, 2023 Twelve months ending December 31, 202 $ 346 Twelve months ending December 31, 2025 260 Twelve months ending December 31, 2026 211 Twelve months ending December 31, 2027 188 Twelve months ending December 31, 2028 190 Thereafter 16 Total undiscounted cash flows $ 1,211 Less: discount $ (84 ) Lease liability $ 1,127

Note 20 - Stock Based Compensat

Note 20 - Stock Based Compensation	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 20: The Company’s 2023 May 9, 2023. may March 10, 2023 8 June 7, 2023. Restricted Stock Awards Under the Plan, part of the 2023 December 31, 2023 Year Ended December 31, 2023 Shares Weighted-Average Grant-Date Fair Value Nonvested at January 1, 2023 - $ - Granted 4,095 30.73 Nonvested at December 31, 2023 4,095 $ 30.73 The RSAs vest on the one December 31, 2023. December 31, 2023, 11

Note 21 - Earnings Per Share

Note 21 - Earnings Per Share	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 21: The factors used in the earnings per share computation for the periods indicated are presented below: For the Year Ended December 31, 2023 2022 $ in thousands, except per share amounts Net Income (Numerator) Common Shares (1) (Denominator) Per Share Net Income (Numerator) Common Shares (1) (Denominator) Per Share Basic earnings per share $ 15,691 5,889,687 $ 2.66 $ 25,932 5,989,601 $ 4.33 Dilutive shares for restricted stock awards: 266 - Diluted earnings per share $ 15,691 5,889,953 $ 2.66 $ 25,932 5,989,601 $ 4.33 ( 1 Weighted average outstanding RSA grants are disregarded in the computation of diluted earnings per share if they are determined to be anti-dilutive. There were no December 31, 2023.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2023
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]		9B. (a) None (b) During the quarter ended December 31, 2023, no 16 10b5 1 10b5 1
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
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 credit 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
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 and 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 Allowance for Credit Losses – Available for Sale Securities For available for sale securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Any impairment that is not may not no In evaluating available for sale debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, the Company considers the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. Changes in the allowance for credit losses are recorded as provision for (recovery of) credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available for sale debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable is excluded from the estimate of credit losses. Accrued interest receivable on securities of $3,281 as of December 31, 2023 December 31, 2022, Equity Securities 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 credit 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 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. Loans modified to provide relief from payments of interest or principle for more than 90 Loans in nonaccrual are reviewed on an individual loan basis to determine whether they may 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 credit 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 Sales, purchases and reclassification of loans The Company finances consumer real estate mortgages under “best efforts” contracts with mortgage purchasers. The mortgages are designated as held for sale upon initiation. There have been no not Occasionally, the Company purchases or sells participations in loans. All participation loans purchased met the Company’s normal underwriting standards at the time the participation was entered. Participation loans are included in the appropriate portfolio balances to which the allowance methodology is applied. Modified Loans Prior to January 1, 2023, two 1 2 not Subsequent to December 31, 2022,
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Credit Losses on Loans ( ACLL ) The Company estimates the ACLL based on amortized cost basis, which is the amount at which the loan is originated, adjusted for net deferred fees or costs, collection of cash, and charge-offs. In the event that collection of principal becomes uncertain, the Company has policies in place to reverse accrued interest in a timely manner. Therefore, the Company has made a policy election to exclude accrued interest from the measurement of the ACLL. Accrued interest receivable on loans of $3,032 as of December 31, 2023 December 31, 2022, Intrinsic to the Company’s policy on estimating the ACLL are policies regarding loan pools, nonaccruals, past due status, collateral valuation, charge-offs and risk ratings. The Company measures expected credit losses on loans on a collective (pool) basis, when the loans share similar risk characteristics, such as collateral type and intended use, repayment source, and (if applicable) the borrower’s business model. The Company has identified the following pools of loans with similar risk characteristics for measuring expected credit losses: 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 residential real estate Commercial real estate, owner occupied Commercial real estate, other Commercial Non-Real Estate Commercial and industrial Public Sector and IDA Public sector and IDA Consumer Non-Real Estate Credit cards Automobile Other consumer loans The Company’s methodologies for estimating the ACLL consider available relevant information about the collectability of cash flows, including historical losses, reasonable and supportable forecasts of economic conditions, and current economic and portfolio conditions. The difference between cash flow estimates and amortized cost is the ACLL. The Company uses a discounted cash flow (“DCF”) method for all of its pools except for bankcards, which are measured using the historical loss rate adjusted for the forecast. For loans using the DCF method, cash flows are projected at the instrument level and discounted using the loan’s effective interest rate. Cash flows are generated using each loan’s payment attributes, adjusted for pool-level information on the probability of default (“PD”), loss given default and prepayment speeds. Default is defined as full or partial charge-off, nonaccrual status or past due 90 The Company designated national unemployment as its forecast variable. Multiple forecasts from reputable and independent third one not two three The results of DCF calculations are modified by allocations for qualitative factors to account for changes in variables that may Loans that do not The collateral method is applied to individually evaluated loans for which foreclosure is probable. The collateral method is also applied to individually evaluated loans when borrowers are experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral (“collateral dependent”). The ACLL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. When repayment is expected to be from the operation of the collateral, the ACLL is calculated as the amount by which the amortized cost basis of the loan exceeds the present value of expected cash flows from the operation of the collateral. When repayment is expected to be from the sale of the collateral, the ACLL is calculated as the amount by which the loan’s amortized cost basis exceeds the fair value of the underlying collateral less estimated cost to sell. The ACLL may zero The DCF method is applied to individually evaluated loans that do not 100% Expected credit losses are reflected in the ACLL through a charge to provision for credit losses on the Consolidated Statements of Income. When the Company deems all or a portion of a loan to be uncollectible the appropriate amount is written off against the ACLL. The Company applies judgment to determine when a financial asset is deemed uncollectible; however, generally speaking, an asset will be considered uncollectible no Unallocated surplus In addition to funding the allowance for credit losses based upon data analysis, the Company has the option to fund an unallocated surplus in excess to the calculated requirement, based upon management judgement. The Company’s policy permits an unallocated surplus of between 0% and 5% of the calculated requirement. ACL on Unfunded Commitments Financial instruments include off-balance sheet credit instruments such as undrawn portions of revolving lines of credit, commercial letters of credit, and loan commitments that have not Estimation of the allowance for credit losses The estimation of the allowance involves analysis of internal and external variables, methodologies, assumptions and management’s judgment and experience. Key judgments used in determining the allowance for credit losses include internal risk rating determinations, market and collateral values, discount rates, loss rates, and management’s assessment of current economic conditions. These judgments are inherently subjective and actual losses could be greater or less than the estimate. Future estimates of the allowance could increase or decrease based on changes in the financial condition of individual borrowers, concentrations of various types of loans, economic conditions or the markets in which collateral may 5
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 net costs of other real estate owned in the Consolidated Statements of Income.
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. For December 31, 2023, 350 20 35 3A, not 50 No
Life Settlement Contracts, Policy [Policy Text Block]	Bank Owned Life Insurance The Company has purchased life insurance policies on certain key employees. The purchase of these life insurance policies allows the Company to use tax-advantaged rates of return. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and any increase in cash surrender value is recorded as income from bank owned life insurance on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company receives a death benefit which is also recorded as income from bank owned life insurance.
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 income (loss). The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation. The Company’s actuary determines plan obligations and annual pension expense using a number of key assumptions, including the discount rate, the estimated return on plan assets and the anticipated rate of compensation increases. Changes in these assumptions in the future, if any, or in the method under which benefits are calculated may
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, if any, 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
Share-Based Payment Arrangement [Policy Text Block]	Stock Based Compensation Compensation cost is recognized for stock based payment awards issued to employees and directors, based on the fair value of these awards at the date of grant. The market price of the Company’s common stock at the date of grant is used to estimate fair value for restricted stock awards, restricted stock units, and other stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. The Company recognizes forfeitures of nonvested awards as they occur.
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Common Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period excluding nonvested restricted stock awards. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under restricted stock awards that have not 21
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 $109 for the year ended December 31, 2023 December 31, 2022.
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:
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income (Loss) Comprehensive income (loss) consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on debt securities available for sale, net of taxes, which are also recognized as a separate component of equity.
Business Combinations Policy [Policy Text Block]	Business Combinations On January 23, 2024, second third 2024,
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements ASU 2023 09 In December 2023, 2023 09, 740 five five December 15, 2024. not 2023 09 ASU 2023 07 In November 2023, 2023 07, 280 280 one 280. December 15, 2023, December 15, 2024. not 2023 07 ASU 2023 06 In October 2023, 2023 06, not not two June 30, 2027, not not not 2023 06 ASU 2023 03 In July 2023, 2023 03, 205 220 480 505 718 No. 120, March 24, 2022 6.B, 280—General X: 2023 03 not 2023 03 ASU 2022 03 In June 2022, 2022 03, 820 2022 03 not not December 15, 2023. not 2022 03 Recently Adopted Accounting Developments ASU 2016 13 In June 2016, No. 2016 13, 326 2016 13 January 1, 2023. ASU 2022 02 In March 2022, No. 2022 02, 326 2022 02 2016 13 2022 02 January 1, 2023. 2022 02 January 1, 2023 2022 02 not 5 2022 02.

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 353,904 $ - $ 42,060 $ 311,844 States and political subdivisions 179,507 - 29,614 149,893 Mortgage-backed securities 156,875 - 6,724 150,151 Corporate debt securities 6,504 - 754 5,750 U.S. treasury 996 - 33 963 Total securities available for sale $ 697,786 $ - $ 79,185 $ 618,601 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 391,538 $ 39 $ 55,002 $ 336,575 States and political subdivisions 190,192 26 38,018 152,200 Mortgage-backed securities 170,694 22 9,239 161,477 Corporate debt securities 6,501 - 837 5,664 U.S. treasury 992 - 56 936 Total securities available for sale $ 759,917 $ 87 $ 103,152 $ 656,852
Investments Classified by Contractual Maturity Date [Table Text Block]	December 31, 2023 Amortized Cost Fair Value Due in one year or less $ 3,795 $ 3,748 Due after one year through five years 178,297 166,386 Due after five years through ten years 277,155 238,409 Due after ten years 238,539 210,058 Total securities available for sale $ 697,786 $ 618,601
Gain (Loss) on Securities [Table Text Block]	December 31, 2023 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. government agencies and corporations $ - $ - $ 311,844 $ 42,060 State and political subdivisions 884 1 148,763 29,613 Mortgage-backed securities 1,616 26 147,922 6,698 Corporate debt securities - - 5,750 754 U.S. treasury - - 963 33 Total temporarily impaired securities $ 2,500 $ 27 $ 615,242 $ 79,158 December 31, 2022 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U.S. Government agencies and corporations $ 144,574 $ 12,699 $ 190,950 $ 42,303 State and political subdivisions 94,657 18,373 52,134 19,645 Mortgage-backed securities 144,198 7,326 15,165 1,913 Corporate debt securities 4,843 655 821 182 U.S. treasury 936 56 - - Total temporarily impaired securities $ 389,208 $ 39,109 $ 259,070 $ 64,043
Schedule of Realized Gain (Loss) on Called Securities [Table Text Block]	For the Year Ended December 31, 2023 Proceeds Book Value Gross Gain Gross Loss Net Loss Available for sale $ 43,518 $ 46,850 $ 137 $ 3,469 $ 3,332

Note 5 - Allowance for Loan L_2

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Activity in the Allowance for Credit Losses on Loans for the Year Ended December 31, 2023 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, 2022 $ 450 $ 2,199 $ 3,642 $ 930 $ 319 $ 506 $ 179 $ 8,225 Adoption of ASU 2016-13 (21 ) 1,261 700 216 (15 ) 72 129 2,342 Charge-offs - (17 ) - (214 ) - (247 ) - (478 ) Recoveries - 103 45 6 - 129 - 283 (Recovery of) provision for credit losses (21 ) (384 ) (811 ) (256 ) 29 123 42 (1,278 ) Balance, December 31, 2023 $ 408 $ 3,162 $ 3,576 $ 682 $ 333 $ 583 $ 350 $ 9,094 Activity in the Allowance for Loan Losses by Segment for the Year Ended December 31, 2022 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, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Charge-offs - (13 ) - (2 ) - (352 ) - (367 ) Recoveries - 29 49 11 - 123 - 212 Provision for (recovery of) loan losses 28 253 472 (178 ) 22 291 (182 ) 706 Balance, December 31, 2022 $ 450 $ 2,199 $ 3,642 $ 930 $ 319 $ 506 $ 179 $ 8,225
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	Allowance for Credit Losses on Loans by Segment and Evaluation Method as of December 31, 2023 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 $ - $ 74 $ 367 $ 126 $ - $ 5 $ - $ 572 Collectively evaluated 408 3,088 3,209 556 333 578 350 8,522 Total $ 408 $ 3,162 $ 3,576 $ 682 $ 333 $ 583 $ 350 $ 9,094 Loans by Segment and Evaluation Method as of December 31, 2023 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non-Real Estate Total Individually evaluated $ 286 $ 1,183 $ 8,805 $ 227 $ - $ 43 $ 10,544 Collectively evaluated 55,093 240,381 410,325 41,328 60,551 38,953 846,631 Total $ 55,379 $ 241,564 $ 419,130 $ 41,555 $ 60,551 $ 38,996 $ 857,175 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2022 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 $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated 450 2,199 3,642 930 319 506 179 8,225 Total $ 450 $ 2,199 $ 3,642 $ 930 $ 319 $ 506 $ 179 $ 8,225 Loans by Segment and Evaluation Method as of December 31, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non- Real Estate Total Individually evaluated $ - $ 186 $ 2,583 $ 263 $ - $ - $ 3,032 Collectively evaluated 54,579 220,866 435,305 57,389 48,074 33,948 850,161 Total $ 54,579 $ 221,052 $ 437,888 $ 57,652 $ 48,074 $ 33,948 $ 853,193
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]	December 31, 2023 2022 Ratio of ACLL to the end of period loans, net of unearned income and deferred fees and costs 1.06 % 0.96 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.02 % 0.02 %
Financing Receivable, Nonaccrual [Table Text Block]	CECL Incurred Loss December 31, 2023 December 31, 2022 Nonaccrual Loans With No Allowance With an Allowance Total Consumer Real Estate Residential closed-end first liens $ - $ - $ - $ 91 Commercial Real Estate Commercial real estate owner-occupied 2,177 231 2,408 2,493 Commercial Non-Real Estate Commercial and industrial - 221 221 263 Total $ 2,177 $ 452 $ 2,629 $ 2,847 December 31, 2023 Accruing Current Loans Accruing Loans 30 – 89 Days Past Due Accruing Loans 90 or More Days Past Due Nonaccrual Loans Total Loans Accruing and Nonaccrual 90 or More Days Past Due Real Estate Construction Construction, 1-4 family residential $ 13,442 $ - $ - $ - $ 13,442 $ - Construction, other 41,916 21 - - 41,937 - Consumer Real Estate Equity line 17,178 104 - - 17,282 - Residential closed-end first liens 124,886 662 131 - 125,679 131 Residential closed-end junior liens 5,027 12 - - 5,039 - Investor-owned residential real estate 93,564 - - - 93,564 - Commercial Real Estate Multifamily residential real estate 119,052 195 - - 119,247 - Commercial real estate owner-occupied 114,477 336 - 2,408 117,221 231 Commercial real estate, other 182,662 - - - 182,662 - Commercial Non-Real Estate Commercial and industrial 41,249 57 28 221 41,555 28 Public Sector and IDA States and political subdivisions 60,551 - - - 60,551 - Consumer Non-Real Estate Credit cards 4,648 17 3 - 4,668 3 Automobile 12,126 135 - - 12,261 - Other consumer loans 21,934 107 26 - 22,067 26 Total $ 852,712 $ 1,646 $ 188 $ 2,629 $ 857,175 $ 419 December 31, 2022 Accruing Current Loans Accruing Loans 30 – 89 Days Past Due Accruing Loans 90 or More Days Past Due Nonaccrual Loans Total Loans Accruing and Nonaccrual 90 or More Days Past Due Real Estate Construction Construction, 1-4 family residential $ 12,538 $ - $ - $ - $ 12,538 $ - Construction, other 42,041 - - - 42,041 - Consumer Real Estate Equity line 15,010 16 - - 15,026 - Residential closed-end first liens 121,807 750 - 91 122,648 91 Residential closed-end junior liens 2,446 - - - 2,446 - Investor-owned residential real estate 80,524 408 - - 80,932 - Commercial Real Estate Multifamily residential real estate 127,312 - - - 127,312 - Commercial real estate owner-occupied 126,640 - - 2,493 129,133 252 Commercial real estate, other 181,443 - - - 181,443 - Commercial Non-Real Estate Commercial and industrial 57,373 16 - 263 57,652 - Public Sector and IDA States and political subdivisions 48,074 - - - 48,074 - Consumer Non-Real Estate Credit cards 4,592 3 2 - 4,597 2 Automobile 9,833 102 - - 9,935 - Other consumer loans 19,317 93 6 - 19,416 6 Total $ 848,950 $ 1,388 $ 8 $ 2,847 $ 853,193 $ 351
Impaired Financing Receivables [Table Text Block]	Individually Evaluated Loans under Incurred Loss as of December 31, 2022 Principal Balance Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) Which There is a Related Allowance Related Allowance Consumer Real Estate Investor-owned residential real estate $ 186 $ 186 $ 186 $ - $ - Commercial Real Estate Commercial real estate, owner occupied 3,248 2,583 2,583 - - Commercial Non-Real Estate Commercial and industrial 285 263 263 - - Total $ 3,719 $ 3,032 $ 3,032 $ - $ -
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]	For the Year Ended December 31, 2022 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 188 $ 13 Commercial Real Estate Commercial real estate, owner occupied 2,587 5 Commercial real estate, other 729 - Commercial Non-Real Estate Commercial and industrial 272 - Total $ 3,776 $ 18
Financing Receivable, Collateral Dependent Loan [Table Text Block]	December 31, 2023 Amortized Cost Related Allowance Consumer Real Estate Residential closed-end first lien $ 7 $ - Commercial Real Estate Commercial real estate owner-occupied 2,177 - Total Loans $ 2,184 $ -
Financing Receivable Credit Quality Indicators [Table Text Block]	Term Loans Amortized Cost Basis by Origination Year Revolving Loans December 31, 2023 Prior 2019 2020 2021 2022 2023 Revolving Converted to Term Total Construction, residential Pass $ - $ - $ 246 $ 158 $ 3,275 $ 5,157 $ 4,606 $ - $ 13,442 Construction, other Pass $ 2,741 $ 1,094 $ 1,305 $ 12,671 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,651 Classified - - - 286 - - - - 286 Total $ 2,741 $ 1,094 $ 1,305 $ 12,957 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,937 Equity lines Pass $ 51 $ - $ - $ - $ - $ - $ 17,182 $ - $ 17,233 Classified - - - - - - 49 - 49 Total $ 51 $ - $ - $ - $ - $ - $ 17,231 $ - $ 17,282 Residential closed-end first liens Pass $ 32,404 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,253 Classified 426 - - - - - - - 426 Total $ 32,830 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,679 YTD gross charge-offs $ - $ - $ 17 $ - $ - $ - $ - $ - $ 17 Residential closed-end junior liens Pass $ 1,499 $ 116 $ - $ 172 $ 1,387 $ 1,850 $ - $ 15 $ 5,039 Investor-owned residential real estate Pass $ 24,556 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 92,856 Classified 708 - - - - - - - 708 Total $ 25,264 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 93,564 Multifamily residential real estate Pass $ 40,092 $ 1,806 $ 2,148 $ 40,544 $ 25,681 $ 8,850 $ 126 $ - $ 119,247 Commercial real estate, owner occupied Pass $ 41,573 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 108,416 Special mention 6,396 - - - - - - - 6,396 Classified 2,409 - - - - - - - 2,409 Total $ 50,378 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 117,221 Commercial real estate, other Pass $ 68,889 $ 21,841 $ 19,098 $ 36,157 $ 22,697 $ 13,279 $ 701 $ - $ 182,662 Commercial and industrial Pass $ 6,004 $ 438 $ 1,060 $ 12,667 $ 6,954 $ 6,938 $ 7,267 $ - $ 41,328 Classified 220 - - - 7 - - - 227 Total $ 6,224 $ 438 $ 1,060 $ 12,667 $ 6,961 $ 6,938 $ 7,267 $ - $ 41,555 YTD gross charge-offs $ - $ 12 $ - $ - $ - $ 12 $ 190 $ - $ 214 Public sector and IDA Pass $ 20,817 $ - $ 235 $ 26,702 $ 6,335 $ 6,462 $ - $ - $ 60,551 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,668 $ - $ 4,668 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 39 $ - $ 39 Automobile Pass $ 78 $ 204 $ 563 $ 1,619 $ 2,750 $ 7,047 $ - $ - $ 12,261 YTD gross charge-offs $ - $ 3 $ - $ 1 $ 38 $ - $ - $ - $ 42 Other Consumer Pass $ 93 $ 334 $ 811 $ 1,943 $ 5,815 $ 12,356 $ 672 $ - $ 22,024 Special mention - - - - - 17 - - 17 Classified - - - - 11 15 - - 26 Total $ 93 $ 334 $ 811 $ 1,943 $ 5,826 $ 12,388 $ 672 $ - $ 22,067 YTD gross charge-offs $ - $ - $ - $ 19 $ 52 $ 95 $ - $ - $ 166 Total Loans Pass $ 238,797 $ 47,892 $ 87,156 $ 187,901 $ 152,964 $ 90,825 $ 40,983 $ 113 $ 846,631 Special mention 6,396 - - - - 17 - - 6,413 Classified 3,763 - - 286 18 15 49 - 4,131 Total $ 248,956 $ 47,892 $ 87,156 $ 188,187 $ 152,982 $ 90,857 $ 41,032 $ 113 $ 857,175 YTD gross charge-offs $ - $ 15 $ 17 $ 20 $ 90 $ 107 $ 229 $ - $ 478 December 31, 2022 Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 12,538 $ - $ - Construction, other 41,741 - 300 Consumer Real Estate Equity lines 15,026 - - Residential closed-end first liens 122,187 - 461 Residential closed-end junior liens 2,446 - - Investor-owned residential real estate 80,143 - 603 Commercial Real Estate Multifamily residential real estate 127,312 - - Commercial real estate owner-occupied 126,550 - - Commercial real estate, other 181,443 - - Commercial Non-Real Estate Commercial and industrial 57,381 - 8 Public Sector and IDA States and political subdivisions 48,074 - - Consumer Non-Real Estate Credit cards 4,597 - - Automobile 9,932 - 3 Other consumer 19,398 - 18 Total $ 848,768 $ - $ 1,393
Financing Receivable, Modified [Table Text Block]	Interest Only Payments Year Ended December 31, 2023 Amortized Cost Basis % of Portfolio Financial Effect Commercial Real Estate Commercial real estate owner-occupied $ 6,396 5.46 % 6 months of interest only payments, after which remaining balance will be re-amortized to the contractual maturity date.
Unfunded Loan Commitment [Member]
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2022 $ 35 Adoption of ASU 2016-13 207 Provision for credit losses 17 Balance, December 31, 2023 $ 259

Note 6 - Premises and Equipme_2

Note 6 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Property, Plant and Equipment [Table Text Block]	December 31, 2023 2022 Premises $ 15,724 $ 15,435 Furniture and equipment 7,862 6,658 Premises and equipment 23,586 22,093 Accumulated depreciation (12,477 ) (11,722 ) Premises and equipment, net $ 11,109 $ 10,371

Note 7 - Deposits (Tables)

Note 7 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Scheduled Maturities of Time Deposits [Table Text Block]	Year of Maturity Time Deposits 2024 $ 214,540 2025 2,831 2026 2,110 2027 2,219 2028 1,540 Thereafter - Total time deposits $ 223,240

Note 8 - Employee Benefit Pla_2

Note 8 - Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	December 31, 2023 2022 Change in benefit obligation Projected benefit obligation at beginning of year $ 23,128 $ 35,312 Service cost (1) 813 1,297 Interest cost (2) 1,091 817 Actuarial loss (gain) (3) 1,542 (11,566 ) Benefits paid (824 ) (2,732 ) Projected benefit obligation at end of year $ 25,750 $ 23,128 Change in plan assets Fair value of plan assets at beginning of year $ 29,746 $ 36,187 Actual return on plan assets 3,587 (3,709 ) Benefits paid (824 ) (2,732 ) Fair value of plan assets at end of year $ 32,509 $ 29,746 Funded status at the end of the year $ 6,759 $ 6,618 Amounts recognized in the Consolidated Balance Sheet Deferred tax liabilities $ (1,419 ) $ (1,390 ) Other assets 6,759 6,618 Total amounts recognized in the Consolidated Balance Sheet $ 5,340 $ 5,228 Amounts recognized in accumulated other comprehensive loss, net Net loss $ (2,924 ) $ (2,968 ) Deferred tax asset 614 623 Amount recognized $ (2,310 ) $ (2,345 ) (continued ) Accrued/Prepaid benefit cost, net Benefit obligation $ (25,750 ) $ (23,128 ) Fair value of assets 32,509 29,746 Unrecognized net actuarial loss 2,924 2,968 Deferred tax liability (2,033 ) (2,013 ) Prepaid benefit cost included in other assets $ 7,650 $ 7,573 Components of net periodic benefit cost Service cost (1) $ 813 $ 1,297 Interest cost (2) 1,091 817 Expected return on plan assets (2) (2,070 ) (2,517 ) Recognized net actuarial loss (2) 69 441 Net periodic benefit cost $ (97 ) $ 38 Other changes in plan assets and benefit obligations recognized in other comprehensive loss Net gain $ (44 ) $ (5,781 ) Deferred income tax expense 9 1,214 Total recognized $ (35 ) $ (4,567 ) Total recognized in net periodic benefit cost and other comprehensive loss $ (141 ) $ (5,743 ) Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 5.00 % 2.50 % Discount rate used for disclosure 4.75 % 5.00 % Expected return on plan assets 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 %
Schedule of Defined Benefit Plans, Components of Actuarial Loss (Gain) [Table Text Block]	For the Year Ended December 31, Components of actuarial loss (gain) 2023 2022 Loss due to demographic changes $ 934 $ 66 Gain due to change in mortality table (291 ) - Loss (gain) due to change in discount rate 899 (11,632 ) Actuarial loss (gain) 1,542 (11,566 ) (Gain) loss due to asset return (1,517 ) 6,226 Actuarial loss (gain) with asset return 25 (5,340 )
Schedule of Allocation of Plan Assets [Table Text Block]	Fair Value Measurements as of December 31, 2023 Asset Category Total Level 1 Level 2 Level 3 Cash $ 867 $ 867 $ - $ - Equity securities: U. S. companies 17,540 17,540 - - International companies 400 400 - - Equities mutual funds (1) 6,098 6,098 - - State and political subdivisions 51 - 51 - Corporate bonds – investment grade (2) 7,553 - 7,553 - Total pension plan assets $ 32,509 $ 24,905 $ 7,604 $ - Fair Value Measurements as of December 31, 2022 Asset Category Total Level 1 Level 2 Level 3) Cash $ 415 $ 415 $ - $ - Equity securities: U. S. companies 15,459 15,459 - - International companies 770 770 - - Equities mutual funds (1) 6,090 6,090 - - State and political subdivisions 51 - 51 - Corporate bonds – investment grade (2) 6,961 - 6,961 - Total pension plan assets $ 29,746 $ 22,734 $ 7,012 $ -
Schedule of Expected Benefit Payments [Table Text Block]	Year Estimated Benefit Payment 2024 $ 4,971 2025 $ 783 2026 $ 1,824 2027 $ 1,746 2028 $ 1,817 2029 - 2033 $ 11,559

Note 9 - Income Taxes (Tables)

Note 9 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Year Ended December 31, 2023 2022 Current $ 2,234 $ 5,940 Deferred (benefit) expense 750 (109 ) Total income tax expense $ 2,984 $ 5,831
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Year Ended December 31, 2023 2022 Computed “expected” income tax expense $ 3,922 $ 6,670 Tax-exempt interest income (354 ) (728 ) Nondeductible interest expense (170 ) 24 Other, net (414 ) (135 ) Reported income tax expense $ 2,984 $ 5,831
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, 2023 2022 Deferred tax assets: Allowance for credit losses and unearned fee income $ 2,155 $ 1,906 Valuation allowance on other real estate owned - 248 Defined benefit pension plan 614 623 Deferred compensation and other liabilities 889 919 Net unrealized loss on securities available for sale 16,629 21,644 Lease accounting 237 303 Unvested stock-based compensation 5 - Total deferred tax assets $ 20,529 $ 25,643 Deferred tax liabilities: Fixed assets $ (597 ) $ (463 ) Goodwill (1,228 ) (1,228 ) Defined benefit pension plan, prepaid portion (2,034 ) (2,013 ) Lease accounting (230 ) (297 ) Discount accretion of securities (122 ) (84 ) Total deferred tax liabilities (4,211 ) (4,085 ) Net deferred tax assets $ 16,318 $ 21,558

Note 11 - Minimum Regulatory _2

Note 11 - Minimum Regulatory Capital Requirement (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	December 31, 2023 Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets) $ 195,782 18.09 % $ 113,627 10.50 % $ 108,216 10.00 % Tier 1 Capital (to Risk Weighted Assets) $ 186,429 17.23 % $ 91,983 8.50 % $ 86,573 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) $ 186,429 17.23 % $ 75,751 7.00 % $ 70,340 6.50 % Tier 1 Capital (to Average Assets) $ 186,429 11.05 % $ 67,491 4.00 % $ 84,364 5.00 % December 31, 2022 Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets) $ 191,883 17.57 % $ 114,671 10.50 % $ 109,210 10.00 % Tier 1 Capital (to Risk Weighted Assets) $ 183,623 16.81 % $ 92,829 8.50 % $ 87,368 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) $ 183,623 16.81 % $ 76,447 7.00 % $ 70,987 6.50 % Tier 1 Capital (to Average Assets) $ 183,623 10.50 % $ 69,925 4.00 % $ 87,406 5.00 %

Note 12 - Condensed Financial_2

Note 12 - Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets December 31, 2023 2022 Assets Cash due from subsidiaries $ 11,010 $ 14,927 Investments in subsidiaries 129,731 107,746 Refundable income taxes - 70 Other assets 655 648 Total assets $ 141,396 $ 123,391 Liabilities and Stockholders Equity Other liabilities $ 874 $ 704 Stockholders’ equity 140,522 122,687 Total liabilities and stockholders’ equity $ 141,396 $ 123,391
Condensed Income Statement [Table Text Block]	Condensed Statements of Income Year Ended December 31, 2023 2022 Income Dividends from subsidiaries $ 12,000 $ 25,000 Gain on sale of private equity investment 232 3,823 Total income 12,232 28,823 Expenses Other expenses 2,142 1,220 Income before income tax benefit (expense) and equity in undistributed net income of subsidiaries 10,090 27,603 Applicable income tax benefit (expense) 499 (491 ) Income before equity (deficit) in undistributed net income of subsidiaries 10,589 27,112 Equity (deficit) in undistributed net income of subsidiaries 5,102 (1,180 ) Net income $ 15,691 $ 25,932
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Year Ended December 31, 2023 2022 Cash Flows from Operating Activities Net income $ 15,691 $ 25,932 Adjustments to reconcile net income to net cash provided by operating activities: (Equity) deficit in undistributed net income of subsidiaries (5,102 ) 1,180 Net change in refundable income taxes due from subsidiaries 70 576 Net change in other assets 38 593 Net change in other liabilities 170 (390 ) Net cash provided by operating activities 10,867 27,891 (continued) Cash Flows from Financing Activities Cash dividends paid (14,784 ) (8,950 ) Shares repurchased - (6,338 ) Net cash used in financing activities (14,784 ) (15,288 ) Net change in cash (3,917 ) 12,603 Cash due from subsidiaries at beginning of year 14,927 2,324 Cash due from subsidiaries at end of year $ 11,010 $ 14,927

Note 13 - Financial Instrumen_2

Note 13 - Financial Instruments With Off-balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]	December 31, 2023 2022 Commitments to extend credit $ 220,656 $ 197,459 Standby letters of credit 20,711 17,021 Mortgage loans sold with potential recourse 7,325 8,654

Note 15 - Fair Value Measurem_2

Note 15 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurement Using December 31, 2023 Balance Level 1 Level 2 Level 3 U.S. government agencies and corporations $ 311,844 $ - $ 311,844 $ - States and political subdivisions 149,893 - 149,893 - Mortgage-backed securities 150,151 - 150,151 - Corporate debt securities 5,750 - 5,750 - U.S. treasury 963 963 Total securities available for sale $ 618,601 $ - $ 618,601 $ - Fair Value Measurement Using December 31, 2022 Balance Level 1 Level 2 Level 3 U.S. Government agencies and corporations $ 336,575 $ - $ 336,575 $ - States and political subdivisions 152,200 - 152,200 - Mortgage-backed securities 161,477 - 161,477 - Corporate debt securities 5,664 - 5,664 - U.S. treasury 936 - 936 - Total securities available for sale $ 656,852 $ - $ 656,852 $ - Fair Value Measurement Using December 31, 2023 Balance (Level 1) (Level 2) (Level 3) Interest rate loan contract $ 3 $ - $ - $ 3 Forward sale commitment $ (4 ) $ - $ - $ (4 ) December 31, 2023 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate loan contract Market approach Pull-through rate 100% (1) Forward sale commitment Market approach Pull-through rate 100% (1) Interest rate loan contract Market approach Current reference price 102.64% (2) Forward sale commitment Market approach Current reference price 101.60% - 102.64% (101.98%) (3)
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying Value Date Description Balance Level 1 Level 2 Level 3 December 31, 2022 OREO net of valuation allowance $ 662 $ - $ - $ 662
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Date Valuation Technique Unobservable Input Discount December 31, 2022 Discounted appraised value Selling cost 7.00 % December 31, 2022 Discounted appraised value Discount for lack of marketability 34.72 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	Estimated Fair Value December 31, 2023 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,967 $ 12,967 $ - $ - Interest-bearing deposits 73,636 73,636 - - Securities available for sale 618,601 - 618,601 - Restricted stock, at cost 1,264 - 1,264 - Mortgage loans held for sale 406 - 406 - Loans, net 847,552 - - 793,800 Accrued interest receivable 6,313 - 6,313 - Bank-owned life insurance 43,583 - 43,583 - Interest rate loan contract 3 - - 3 Financial liabilities: Deposits $ 1,503,972 $ - $ 1,280,732 $ 222,374 Accrued interest payable 1,416 - 1,416 - Forward sale commitment 4 - - 4 Estimated Fair Value December 31, 2022 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,403 $ 12,403 $ - $ - Interest-bearing deposits 59,026 59,026 - - Securities available for sale 656,852 - 656,852 - Restricted stock, at cost 941 - 941 - Loans, net 844,519 - - 781,749 Accrued interest receivable 6,001 - 6,001 - Bank-owned life insurance 43,312 - 43,312 - Financial liabilities: Deposits $ 1,542,725 $ - $ 1,475,096 $ 67,542 Accrued interest payable 106 - 106 -

Note 16 - Components of Accum_2

Note 16 - Components of Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2023
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 Loss Balance as of December 31, 2021 $ 2,854 $ (6,912 ) $ (4,058 ) Unrealized holding loss on available for sale securities net of tax of ($22,403) (84,275 ) - (84,275 ) Net pension gain, net of tax of $1,214 - 4,567 4,567 Balance as of December 31, 2022 $ (81,421 ) $ (2,345 ) $ (83,766 ) Unrealized holding gain on available for sale securities net of tax of $4,315 16,233 - 16,233 Reclassification adjustment, net of tax of $700 2,632 - 2,632 Net pension gain, net of tax of $9 - 35 35 Balance as of December 31, 2023 $ (62,556 ) $ (2,310 ) $ (64,866 )
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	December 31, 2023 2022 Component of Accumulated Other Comprehensive Loss Reclassification out of unrealized losses on available for sale securities: Realized securities loss, net $ (3,332 ) $ - Income tax benefit 700 - Realized loss on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss $ (2,632 ) $ -

Note 18 - Revenue Recognition (

Note 18 - Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Disaggregation of Revenue [Table Text Block]	December 31, 2023 2022 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 2,518 $ 2,425 Other service charges and fees 297 214 Credit and debit card fees, net 1,678 1,916 Trust income 1,901 1,817 Insurance and Investment (1) 677 622 Gain on sale of OREO (1) 1 - Noninterest Income (in-scope of Topic 606) $ 7,072 $ 6,994 Noninterest Income (out-of-scope of Topic 606) 2,287 5,407 Total noninterest income $ 9,359 $ 12,401

Note 19 - Leases (Tables)

Note 19 - Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Lease, Cost [Table Text Block]	December 31, 2023 December 31, 2022 Lease liability $ 1,127 $ 1,444 Right-of-use asset $ 1,096 $ 1,415 Weighted average remaining lease term (in years) 4.39 5.14 Weighted average discount rate 3.29 % 3.29 % For the Year Ended December 31, 2023 2022 Lease Expense Operating lease expense $ 364 $ 331 Short-term lease expense 20 2 Total lease expense $ 384 $ 333 Cash paid for amounts included in lease liabilities $ 382 $ 331 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ 161
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	Undiscounted Cash Flow for the As of December 31, 2023 Twelve months ending December 31, 202 $ 346 Twelve months ending December 31, 2025 260 Twelve months ending December 31, 2026 211 Twelve months ending December 31, 2027 188 Twelve months ending December 31, 2028 190 Thereafter 16 Total undiscounted cash flows $ 1,211 Less: discount $ (84 ) Lease liability $ 1,127

Note 20 - Stock Based Compens_2

Note 20 - Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Nonvested Share Activity [Table Text Block]	Year Ended December 31, 2023 Shares Weighted-Average Grant-Date Fair Value Nonvested at January 1, 2023 - $ - Granted 4,095 30.73 Nonvested at December 31, 2023 4,095 $ 30.73

Note 21 - Earnings Per Share (T

Note 21 - Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Year Ended December 31, 2023 2022 $ in thousands, except per share amounts Net Income (Numerator) Common Shares (1) (Denominator) Per Share Net Income (Numerator) Common Shares (1) (Denominator) Per Share Basic earnings per share $ 15,691 5,889,687 $ 2.66 $ 25,932 5,989,601 $ 4.33 Dilutive shares for restricted stock awards: 266 - Diluted earnings per share $ 15,691 5,889,953 $ 2.66 $ 25,932 5,989,601 $ 4.33

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($) shares in Thousands, $ in Thousands		12 Months Ended
	Jan. 23, 2024	Dec. 31, 2023	Dec. 31, 2022	Jan. 01, 2023	Dec. 31, 2021
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss		$ 3,281	$ 3,485
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
Accrued Interest Receivable, Loans		$ 3,032	2,516
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
Advertising Expense		$ 109	163
Financing Receivable, Allowance for Credit Loss		9,094	8,225		$ 7,674
Retained Earnings (Accumulated Deficit)		$ 197,984	199,091
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss			$ 2,342	$ 2,342
Retained Earnings (Accumulated Deficit)				2,014
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Previously Reported [Member]
Financing Receivable, Allowance for Credit Loss				$ 207
Frontier Community Bank [Member] | Subsequent Event [Member]
Business Combination, Consideration Transferred	$ 16,822
Building [Member]
Property, Plant and Equipment, Useful Life (Year)		40 years
Computer Equipment [Member]
Property, Plant and Equipment, Useful Life (Year)		3 years
Minimum [Member]
Unallocated Surplus Percent		0%
Minimum [Member] | Furniture and Fixtures [Member]
Property, Plant and Equipment, Useful Life (Year)		3 years
Maximum [Member]
Unallocated Surplus Percent		5%
Maximum [Member] | Furniture and Fixtures [Member]
Property, Plant and Equipment, Useful Life (Year)		10 years

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 0
Deferred Tax Asset, Debt Securities, Available-for-Sale, Unrealized Loss	$ 16,629	$ 21,644
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	576
Debt Securities, Available-for-Sale, Unrealized Loss Position	$ 617,742
Debt Securities, Available-for-Sale, Realized Gain (Loss)	(3,332)	0
Debt Securities, Available-for-Sale, Restricted	534,465	345,689
National Bank of Blacksburg [Member] | Federal Home Loan Bank of Atlanta [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	508,768
Restricted Stock [Member]
Restricted Investments	1,264	941
Securities Called [Member]
Debt Securities, Available-for-Sale, Realized Gain (Loss)	$ (3,332)	$ 0

Note 3 - Securities - Securitie

Note 3 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Securities available-for-sale, amortized costs	$ 697,786	$ 759,917
Securities available-for-sale, gross unrealized gains	0	87
Securities available-for-sale, gross unrealized losses	79,185	103,152
Securities available-for-sale, fair values	618,601	656,852
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized costs	353,904	391,538
Securities available-for-sale, gross unrealized gains	0	39
Securities available-for-sale, gross unrealized losses	42,060	55,002
Securities available-for-sale, fair values	311,844	336,575
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, amortized costs	179,507	190,192
Securities available-for-sale, gross unrealized gains	0	26
Securities available-for-sale, gross unrealized losses	29,614	38,018
Securities available-for-sale, fair values	149,893	152,200
Collateralized Mortgage-Backed Securities [Member]
Securities available-for-sale, amortized costs	156,875	170,694
Securities available-for-sale, gross unrealized gains	0	22
Securities available-for-sale, gross unrealized losses	6,724	9,239
Securities available-for-sale, fair values	150,151	161,477
Corporate Debt Securities [Member]
Securities available-for-sale, amortized costs	6,504	6,501
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	754	837
Securities available-for-sale, fair values	5,750	5,664
US Treasury Securities [Member]
Securities available-for-sale, amortized costs	996	992
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	33	56
Securities available-for-sale, fair values	$ 963	$ 936

Note 3 - Securities - Securit_2

Note 3 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized cost, due in one year or less, available for sale securities	$ 3,795
Fair value, due in one year or less, available for sale securities	3,748
Amortized cost, due after one year through five years, available for sale securities	178,297
Fair value, due after one year through five years, available for sale securities	166,386
Amortized cost, due after five years through ten years, available for sale securities	277,155
Fair value, due after five years through ten years, available for sale securities	238,409
Amortized cost, due after ten years, available for sale securities	238,539
Fair value, due after ten years, available for sale securities	210,058
Amortized cost, total securities available for sale	697,786	$ 759,917
Fair value, total securities available for sale	$ 618,601	$ 656,852

Note 3 - Securities - Securit_3

Note 3 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Temporarily impaired securities, less than 12 months, fair value	$ 2,500	$ 389,208
Temporarily impaired securities, less than 12 months unrealized loss	27	39,109
Temporarily impaired securities, 12 months or more fair value	615,242	259,070
Temporarily impaired securities, 12 months or more unrealized loss	79,158	64,043
US Government Agencies Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	0	144,574
Temporarily impaired securities, less than 12 months unrealized loss	0	12,699
Temporarily impaired securities, 12 months or more fair value	311,844	190,950
Temporarily impaired securities, 12 months or more unrealized loss	42,060	42,303
US States and Political Subdivisions Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	884	94,657
Temporarily impaired securities, less than 12 months unrealized loss	1	18,373
Temporarily impaired securities, 12 months or more fair value	148,763	52,134
Temporarily impaired securities, 12 months or more unrealized loss	29,613	19,645
Commercial Mortgage-Backed Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	1,616	144,198
Temporarily impaired securities, less than 12 months unrealized loss	26	7,326
Temporarily impaired securities, 12 months or more fair value	147,922	15,165
Temporarily impaired securities, 12 months or more unrealized loss	6,698	1,913
Corporate Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	0	4,843
Temporarily impaired securities, less than 12 months unrealized loss	0	655
Temporarily impaired securities, 12 months or more fair value	5,750	821
Temporarily impaired securities, 12 months or more unrealized loss	754	182
US Treasury Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	0	936
Temporarily impaired securities, less than 12 months unrealized loss	0	56
Temporarily impaired securities, 12 months or more fair value	963	0
Temporarily impaired securities, 12 months or more unrealized loss	$ 33	$ 0

Note 3 - Securities - Realized

Note 3 - Securities - Realized Gains and Losses From Calls of Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Available for sale, proceeds	$ 43,518
Available for sale, book value	46,850
Available for sale, gross gain	137
Available for sale, gross loss	3,469
Available for sale, net gain (loss)	$ 3,332

Note 4 - Related Party Transa_2

Note 4 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loans and Leases Receivable, Related Parties	$ 15,409	$ 18,187
Loans and Leases Receivable, Related Parties, Additions	4,751	5,145
Loans and Leases Receivable, Related Parties, Proceeds	7,529	1,780
Related Party Deposit Liabilities	17,117	9,509
Director [Member] | Small Office Space Lease to Related Party [Member]
Revenues		2
Director [Member] | Payments for Architectural Plans [Member]
Related Party Transaction, Amounts of Transaction	$ 79	$ 39

Note 5 - Allowance for Loan L_3

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Financing Receivable, Modifications, Number of Contracts	1
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0
Financing Receivable, Modified, Accumulated		$ 3,032
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member] | Valuation Technique, Discounted Cash Flow [Member]
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	$ 347

Note 5 - Allowance for Loan L_4

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Balance	$ 8,225	$ 7,674
Charge-offs	(478)	(367)
Recoveries	283	212
Provision for credit losses	(1,278)	706
Balance	9,094	8,225
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	2,342
Balance		2,342
Real Estate Construction Portfolio Segment[Member]
Balance	450	422
Charge-offs	0	0
Recoveries	0	0
Provision for credit losses	(21)	28
Balance	408	450
Real Estate Construction Portfolio Segment[Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	(21)
Balance		(21)
Consumer Real Estate Portfolio Segment [Member]
Balance	2,199	1,930
Charge-offs	(17)	(13)
Recoveries	103	29
Provision for credit losses	(384)	253
Balance	3,162	2,199
Consumer Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	1,261
Balance		1,261
Commercial Real Estate Portfolio Segment [Member]
Balance	3,642	3,121
Charge-offs	0	0
Recoveries	45	49
Provision for credit losses	(811)	472
Balance	3,576	3,642
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	700
Balance		700
Commercial Non Real Estate Segment [Member]
Balance	930	1,099
Charge-offs	(214)	(2)
Recoveries	6	11
Provision for credit losses	(256)	(178)
Balance	682	930
Commercial Non Real Estate Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	216
Balance		216
Public Sector and IDA Portfolio Segment[Member]
Balance	319	297
Charge-offs	0	0
Recoveries	0	0
Provision for credit losses	29	22
Balance	333	319
Public Sector and IDA Portfolio Segment[Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	(15)
Balance		(15)
Consumer Non Real Estate Portfolio Segment [Member]
Balance	506	444
Charge-offs	(247)	(352)
Recoveries	129	123
Provision for credit losses	123	291
Balance	583	506
Consumer Non Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	72
Balance		72
Unallocated Financing Receivables [Member]
Balance	179	361
Charge-offs	0	0
Recoveries	0	0
Provision for credit losses	42	(182)
Balance	350	179
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	$ 129
Balance		$ 129

Note 5 - Allowance for Loan L_5

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss	$ 9,094	$ 8,225	$ 7,674
Loans, individually evaluated	10,544	3,032
Loans, collectively evaluated	846,631	850,161
Loans	857,175	853,193
Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	572	0
Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	8,522	8,225
Real Estate Construction Portfolio Segment[Member]
Financing Receivable, Allowance for Credit Loss	408	450	422
Loans, individually evaluated	286	0
Loans, collectively evaluated	55,093	54,579
Loans	55,379	54,579
Real Estate Construction Portfolio Segment[Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	0	0
Real Estate Construction Portfolio Segment[Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	408	450
Consumer Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss	3,162	2,199	1,930
Loans, individually evaluated	1,183	186
Loans, collectively evaluated	240,381	220,866
Loans	241,564	221,052
Consumer Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	74	0
Consumer Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	3,088	2,199
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss	3,576	3,642	3,121
Loans, individually evaluated	8,805	2,583
Loans, collectively evaluated	410,325	435,305
Loans	419,130	437,888
Commercial Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	367	0
Commercial Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	3,209	3,642
Commercial Non Real Estate Segment [Member]
Financing Receivable, Allowance for Credit Loss	682	930	1,099
Loans, individually evaluated	227	263
Loans, collectively evaluated	41,328	57,389
Loans	41,555	57,652
Commercial Non Real Estate Segment [Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	126	0
Commercial Non Real Estate Segment [Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	556	930
Public Sector and IDA Portfolio Segment[Member]
Financing Receivable, Allowance for Credit Loss	333	319	297
Loans, individually evaluated	0	0
Loans, collectively evaluated	60,551	48,074
Loans	60,551	48,074
Public Sector and IDA Portfolio Segment[Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	0	0
Public Sector and IDA Portfolio Segment[Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	333	319
Consumer Non Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss	583	506	444
Loans, individually evaluated	43	0
Loans, collectively evaluated	38,953	33,948
Loans	38,996	33,948
Consumer Non Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	5	0
Consumer Non Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	578	506
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Loss	350	179	$ 361
Unallocated Financing Receivables [Member] | Individually Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	0	0
Unallocated Financing Receivables [Member] | Collectively Evaluated [Member]
Financing Receivable, Allowance for Credit Loss	$ 350	$ 179

Note 5 - Allowance for Loan L_6

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Ratios of Allowance for Loan Losses (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Ratio of ACLL to the end of period loans, net of unearned income and deferred fees and costs	1.06%	0.96%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs	0.02%	0.02%

Note 5 - Allowance for Loan L_7

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands		Dec. 31, 2023	Dec. 31, 2022
Nonaccruals, no allowance		$ 2,177
Nonaccruals, with allowance		452
Nonaccruals		2,629	$ 2,847
Loans, gross		857,175	853,193
Loans 90 or more days past due and accruing		188	8
Gross loans		857,175	853,193
Financial Asset, Not Past Due [Member]
Loans, gross		852,712	848,950
Gross loans		852,712	848,950
Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	1,646	1,388
Gross loans	[1]	1,646	1,388
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		419	351
Gross loans		419	351
Consumer Real Estate Portfolio Segment [Member]
Loans, gross		241,564	221,052
Gross loans		241,564	221,052
Real Estate Construction Portfolio Segment[Member]
Loans, gross		55,379	54,579
Gross loans		55,379	54,579
Commercial Real Estate Portfolio Segment [Member]
Loans, gross		419,130	437,888
Gross loans		419,130	437,888
Commercial Non Real Estate Segment [Member]
Loans, gross		41,555	57,652
Gross loans		41,555	57,652
Public Sector and IDA Portfolio Segment[Member]
Nonaccruals		0	0
Loans, gross		60,551	48,074
Loans 90 or more days past due and accruing		0	0
Gross loans		60,551	48,074
Public Sector and IDA Portfolio Segment[Member] | Financial Asset, Not Past Due [Member]
Loans, gross		60,551	48,074
Gross loans		60,551	48,074
Public Sector and IDA Portfolio Segment[Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Public Sector and IDA Portfolio Segment[Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Consumer Non Real Estate Portfolio Segment [Member]
Loans, gross		38,996	33,948
Gross loans		38,996	33,948
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member]
Nonaccruals, no allowance		0
Nonaccruals, with allowance		0
Nonaccruals		0	91
Loans, gross		125,679	122,648
Loans 90 or more days past due and accruing		131	0
Gross loans		125,679	122,648
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		124,886	121,807
Gross loans		124,886	121,807
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	662	750
Gross loans	[1]	662	750
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		131	91
Gross loans		131	91
Construction, 1-4 Family Residential [Member] | Real Estate Construction Portfolio Segment[Member]
Nonaccruals		0	0
Loans, gross		13,442	12,538
Loans 90 or more days past due and accruing		0	0
Gross loans		13,442	12,538
Construction, 1-4 Family Residential [Member] | Real Estate Construction Portfolio Segment[Member] | Financial Asset, Not Past Due [Member]
Loans, gross		13,442	12,538
Gross loans		13,442	12,538
Construction, 1-4 Family Residential [Member] | Real Estate Construction Portfolio Segment[Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Construction, 1-4 Family Residential [Member] | Real Estate Construction Portfolio Segment[Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Nonaccruals, no allowance		2,177
Nonaccruals, with allowance		231
Nonaccruals		2,408	2,493
Loans, gross		117,221	129,133
Loans 90 or more days past due and accruing		0	0
Gross loans		117,221	129,133
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		114,477	126,640
Gross loans		114,477	126,640
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	336	0
Gross loans	[1]	336	0
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		231	252
Gross loans		231	252
Construction, Other [Member] | Real Estate Construction Portfolio Segment[Member]
Nonaccruals		0	0
Loans, gross		41,937	42,041
Loans 90 or more days past due and accruing		0	0
Gross loans		41,937	42,041
Construction, Other [Member] | Real Estate Construction Portfolio Segment[Member] | Financial Asset, Not Past Due [Member]
Loans, gross		41,916	42,041
Gross loans		41,916	42,041
Construction, Other [Member] | Real Estate Construction Portfolio Segment[Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	21	0
Gross loans	[1]	21	0
Construction, Other [Member] | Real Estate Construction Portfolio Segment[Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member]
Nonaccruals, no allowance		0
Nonaccruals, with allowance		221
Nonaccruals		221	263
Loans, gross		41,555	57,652
Loans 90 or more days past due and accruing		28	0
Gross loans		41,555	57,652
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		41,249	57,373
Gross loans		41,249	57,373
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	57	16
Gross loans	[1]	57	16
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		28	0
Gross loans		28	0
Equity Lines [Member] | Consumer Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		17,282	15,026
Loans 90 or more days past due and accruing		0	0
Gross loans		17,282	15,026
Equity Lines [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		17,178	15,010
Gross loans		17,178	15,010
Equity Lines [Member] | Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		104	16
Gross loans		104	16
Equity Lines [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Equity Lines [Member] | Real Estate Construction Portfolio Segment[Member]
Loans, gross		17,282
Gross loans		17,282
Closed End Junior Liens [Member] | Consumer Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		5,039	2,446
Loans 90 or more days past due and accruing		0	0
Gross loans		5,039	2,446
Closed End Junior Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		5,027	2,446
Gross loans		5,027	2,446
Closed End Junior Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		12	0
Gross loans		12	0
Closed End Junior Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		93,564	80,932
Loans 90 or more days past due and accruing		0	0
Gross loans		93,564	80,932
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		93,564	80,524
Gross loans		93,564	80,524
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	0	408
Gross loans	[1]	0	408
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Multifamily Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		119,247	127,312
Loans 90 or more days past due and accruing		0	0
Gross loans		119,247	127,312
Multifamily Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		119,052	127,312
Gross loans		119,052	127,312
Multifamily Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		195	0
Gross loans		195	0
Multifamily Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		182,662	181,443
Loans 90 or more days past due and accruing		0	0
Gross loans		182,662	181,443
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		182,662	181,443
Gross loans		182,662	181,443
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Credit Card Receivable [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		4,668	4,597
Loans 90 or more days past due and accruing		3	2
Gross loans		4,668	4,597
Credit Card Receivable [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		4,648	4,592
Gross loans		4,648	4,592
Credit Card Receivable [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	17	3
Gross loans	[1]	17	3
Credit Card Receivable [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		3	2
Gross loans		3	2
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		12,261	9,935
Loans 90 or more days past due and accruing		0	0
Gross loans		12,261	9,935
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		12,126	9,833
Gross loans		12,126	9,833
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	135	102
Gross loans	[1]	135	102
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Gross loans		0	0
Other Consumer Loans [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Nonaccruals		0	0
Loans, gross		22,067	19,416
Loans 90 or more days past due and accruing		26	6
Gross loans		22,067	19,416
Other Consumer Loans [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		21,934	19,317
Gross loans		21,934	19,317
Other Consumer Loans [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	107	93
Gross loans	[1]	107	93
Other Consumer Loans [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		26	6
Gross loans		$ 26	$ 6
[1]Includes accruing and nonaccrual loans past due 90 days or more.

Note 5 - Allowance for Loan L_8

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Impaired Loans and Associated Reserves (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Principal balance	$ 3,719
Total recorded investment	3,032	[1]
Recorded investment for which there is no related allowance	3,032
Recorded investment for which there is a related allowance	0
Related allowance	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Principal balance	186
Total recorded investment	186	[1]
Recorded investment for which there is no related allowance	186
Recorded investment for which there is a related allowance	0
Related allowance	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Principal balance	3,248
Total recorded investment	2,583	[1]
Recorded investment for which there is no related allowance	2,583
Recorded investment for which there is a related allowance	0
Related allowance	0
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Principal balance	285
Total recorded investment	263	[1]
Recorded investment for which there is no related allowance	263
Recorded investment for which there is a related allowance	0
Related allowance	$ 0
[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 on Loans and Nonperforming Assets - Impaired Loans, Average Investment and Interest Income (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Average recorded investment	$ 3,776	[1]
Interest income recognized	18
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member]
Average recorded investment	188	[1]
Interest income recognized	13
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment	2,587	[1]
Interest income recognized	5
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment	729
Interest income recognized	0
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member]
Average recorded investment	272	[1]
Interest income recognized	$ 0
[1]Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 5 - Allowance for Loan _10

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Details of the Collateral Dependent Loan (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Related allowance	$ 9,094	$ 8,225	$ 7,674
Collateral Pledged [Member]
Total Loans	2,184
Related allowance	0
Consumer Real Estate Portfolio Segment [Member]
Related allowance	3,162	2,199	1,930
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Collateral Pledged [Member]
Total Loans	7
Related allowance	0
Commercial Real Estate Portfolio Segment [Member]
Related allowance	3,576	$ 3,642	$ 3,121
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Collateral Pledged [Member]
Total Loans	2,177
Related allowance	$ 0

Note 5 - Allowance for Loan _11

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Loans by Credit Quality Indicators (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Originated more than five years prior	$ 248,956
Originated five years prior	47,892
Originated four years prior	87,156
Originated three years prior	188,187
Originated two years prior	152,982
Originated current year	90,857
Revolving	41,032
Revolving loans converted to term	113
Gross loans	857,175	$ 853,193
Originated more than five years prior, write-offs	0
Originated five years prior, write offs	15
Originated four years prior, write offs	17
Originated three years prior, write offs	20
YTD gross charge-offs	90
Originated current year, write offs	107
Revolving, write offs	229
Revolving loans converted to term, write offs	0
Loans charged against the allowance for credit losses	478	367
Loans, collectively evaluated	846,631	850,161
Pass [Member]
Originated more than five years prior	238,797
Originated five years prior	47,892
Originated four years prior	87,156
Originated three years prior	187,901
Originated two years prior	152,964
Originated current year	90,825
Revolving	40,983
Revolving loans converted to term	113
Gross loans	846,631
Loans, collectively evaluated		848,768
Special Mention [Member]
Originated more than five years prior	6,396
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	17
Revolving	0
Revolving loans converted to term	0
Gross loans	6,413
Loans, collectively evaluated		0
Classified Excluding Impaired [Member]
Originated more than five years prior	3,763
Originated five years prior	0
Originated four years prior	0
Originated three years prior	286
Originated two years prior	18
Originated current year	15
Revolving	49
Revolving loans converted to term	0
Gross loans	4,131
Loans, collectively evaluated		1,393
Real Estate Construction Portfolio Segment[Member]
Gross loans	55,379	54,579
Loans charged against the allowance for credit losses	0	0
Loans, collectively evaluated	55,093	54,579
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member] | Pass [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	246
Originated three years prior	158
Originated two years prior	3,275
Originated current year	5,157
Revolving	4,606
Revolving loans converted to term	0
Gross loans	13,442
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Gross loans	13,442	12,538
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Pass [Member]
Loans, collectively evaluated		12,538
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member]
Originated more than five years prior	2,741
Originated five years prior	1,094
Originated four years prior	1,305
Originated three years prior	12,957
Originated two years prior	17,397
Originated current year	4,884
Revolving	1,559
Revolving loans converted to term	0
Gross loans	41,937	42,041
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Pass [Member]
Originated more than five years prior	2,741
Originated five years prior	1,094
Originated four years prior	1,305
Originated three years prior	12,671
Originated two years prior	17,397
Originated current year	4,884
Revolving	1,559
Revolving loans converted to term	0
Gross loans	41,651
Loans, collectively evaluated		41,741
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	286
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	286
Loans, collectively evaluated		300
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member]
Originated more than five years prior	51
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	17,231
Revolving loans converted to term	0
Gross loans	17,282
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	49
Revolving loans converted to term	0
Gross loans	49
Consumer Real Estate Portfolio Segment [Member]
Gross loans	241,564	221,052
Loans charged against the allowance for credit losses	17	13
Loans, collectively evaluated	240,381	220,866
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Gross loans	17,282	15,026
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Pass [Member]
Originated more than five years prior	51
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	17,182
Revolving loans converted to term	0
Gross loans	17,233
Loans, collectively evaluated		15,026
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Originated more than five years prior	32,830
Originated five years prior	5,806
Originated four years prior	14,634
Originated three years prior	31,414
Originated two years prior	29,787
Revolving	0
Revolving loans converted to term	0
Gross loans	125,679	122,648
Originated more than five years prior, write-offs	0
Originated five years prior, write offs	0
Originated four years prior, write offs	17
Originated three years prior, write offs	0
YTD gross charge-offs	0
Originated current year, write offs	0
Revolving, write offs	0
Revolving loans converted to term, write offs	0
Loans charged against the allowance for credit losses	17
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Pass [Member]
Originated more than five years prior	32,404
Originated five years prior	5,806
Originated four years prior	14,634
Originated three years prior	31,414
Originated two years prior	29,787
Originated current year	11,208
Revolving	0
Revolving loans converted to term	0
Gross loans	125,253
Loans, collectively evaluated		122,187
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	426
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	426
Loans, collectively evaluated		461
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Gross loans	5,039	2,446
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Pass [Member]
Originated more than five years prior	1,499
Originated five years prior	116
Originated four years prior	0
Originated three years prior	172
Originated two years prior	1,387
Originated current year	1,850
Revolving	0
Revolving loans converted to term	15
Gross loans	5,039
Loans, collectively evaluated		2,446
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Originated more than five years prior	25,264
Originated five years prior	5,162
Originated four years prior	23,649
Originated three years prior	19,062
Originated two years prior	14,166
Originated current year	4,880
Revolving	1,283
Revolving loans converted to term	98
Gross loans	93,564	80,932
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Pass [Member]
Originated more than five years prior	24,556
Originated five years prior	5,162
Originated four years prior	23,649
Originated three years prior	19,062
Originated two years prior	14,166
Originated current year	4,880
Revolving	1,283
Revolving loans converted to term	98
Gross loans	92,856
Loans, collectively evaluated		80,143
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	708
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	708
Loans, collectively evaluated		603
Commercial Real Estate Portfolio Segment [Member]
Gross loans	419,130	437,888
Loans charged against the allowance for credit losses	0	0
Loans, collectively evaluated	410,325	435,305
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Gross loans	119,247	127,312
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Pass [Member]
Originated more than five years prior	40,092
Originated five years prior	1,806
Originated four years prior	2,148
Originated three years prior	40,544
Originated two years prior	25,681
Originated current year	8,850
Revolving	126
Revolving loans converted to term	0
Gross loans	119,247
Loans, collectively evaluated		127,312
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Originated more than five years prior	50,378
Originated five years prior	11,091
Originated four years prior	23,407
Originated three years prior	4,792
Originated two years prior	16,720
Originated current year	7,914
Revolving	2,919
Revolving loans converted to term	0
Gross loans	117,221	129,133
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Pass [Member]
Originated more than five years prior	41,573
Originated five years prior	11,091
Originated four years prior	23,407
Originated three years prior	4,792
Originated two years prior	16,720
Originated current year	7,914
Revolving	2,919
Revolving loans converted to term	0
Gross loans	108,416
Loans, collectively evaluated		126,550
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member]
Originated more than five years prior	6,396
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	6,396
Loans, collectively evaluated		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	2,409
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	2,409
Loans, collectively evaluated		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Gross loans	182,662	181,443
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Pass [Member]
Originated more than five years prior	68,889
Originated five years prior	21,841
Originated four years prior	19,098
Originated three years prior	36,157
Originated two years prior	22,697
Originated current year	13,279
Revolving	701
Revolving loans converted to term	0
Gross loans	182,662
Loans, collectively evaluated		181,443
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Commercial Non Real Estate Segment [Member]
Gross loans	41,555	57,652
Loans charged against the allowance for credit losses	214	2
Loans, collectively evaluated	41,328	57,389
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Originated more than five years prior	6,224
Originated five years prior	438
Originated four years prior	1,060
Originated three years prior	12,667
Originated two years prior	6,961
Originated current year	6,938
Revolving	7,267
Revolving loans converted to term	0
Gross loans	41,555	57,652
Originated more than five years prior, write-offs	0
Originated five years prior, write offs	12
Originated four years prior, write offs	0
Originated three years prior, write offs	0
YTD gross charge-offs	0
Originated current year, write offs	12
Revolving, write offs	190
Revolving loans converted to term, write offs	0
Loans charged against the allowance for credit losses	214
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Pass [Member]
Originated more than five years prior	6,004
Originated five years prior	438
Originated four years prior	1,060
Originated three years prior	12,667
Originated two years prior	6,954
Originated current year	6,938
Revolving	7,267
Revolving loans converted to term	0
Gross loans	41,328
Loans, collectively evaluated		57,381
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	220
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	7
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	227
Loans, collectively evaluated		8
States Political Subdivisions [Member] | Pass [Member]
Loans, collectively evaluated		48,074
States Political Subdivisions [Member] | Special Mention [Member]
Loans, collectively evaluated		0
States Political Subdivisions [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans	38,996	33,948
Loans charged against the allowance for credit losses	247	352
Loans, collectively evaluated	38,953	33,948
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Gross loans	4,668	4,597
Originated more than five years prior, write-offs	0
Originated five years prior, write offs	0
Originated four years prior, write offs	0
Originated three years prior, write offs	0
YTD gross charge-offs	0
Originated current year, write offs	0
Revolving, write offs	39
Revolving loans converted to term, write offs	0
Loans charged against the allowance for credit losses	39
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Pass [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	4,668
Revolving loans converted to term	0
Gross loans	4,668
Loans, collectively evaluated		4,597
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Gross loans	12,261	9,935
Originated more than five years prior, write-offs	0
Originated five years prior, write offs	3
Originated four years prior, write offs	0
Originated three years prior, write offs	1
YTD gross charge-offs	38
Originated current year, write offs	0
Revolving, write offs	0
Revolving loans converted to term, write offs	0
Loans charged against the allowance for credit losses	42
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Pass [Member]
Originated more than five years prior	78
Originated five years prior	204
Originated four years prior	563
Originated three years prior	1,619
Originated two years prior	2,750
Originated current year	7,047
Revolving	0
Revolving loans converted to term	0
Gross loans	12,261
Loans, collectively evaluated		9,932
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Special Mention [Member]
Loans, collectively evaluated		0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Classified Excluding Impaired [Member]
Loans, collectively evaluated		3
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Originated more than five years prior	93
Originated five years prior	334
Originated four years prior	811
Originated three years prior	1,943
Originated two years prior	5,826
Originated current year	12,388
Revolving	672
Revolving loans converted to term	0
Gross loans	22,067	19,416
Originated more than five years prior, write-offs	0
Originated five years prior, write offs	0
Originated four years prior, write offs	0
Originated three years prior, write offs	19
YTD gross charge-offs	52
Originated current year, write offs	95
Revolving, write offs	0
Revolving loans converted to term, write offs	0
Loans charged against the allowance for credit losses	166
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Pass [Member]
Originated more than five years prior	93
Originated five years prior	334
Originated four years prior	811
Originated three years prior	1,943
Originated two years prior	5,815
Originated current year	12,356
Revolving	672
Revolving loans converted to term	0
Gross loans	22,024
Loans, collectively evaluated		19,398
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Special Mention [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	17
Revolving	0
Revolving loans converted to term	0
Gross loans	17
Loans, collectively evaluated		0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	11
Originated current year	15
Revolving	0
Revolving loans converted to term	0
Gross loans	26
Loans, collectively evaluated		18
Public Sector and IDA Portfolio Segment[Member]
Gross loans	60,551	48,074
Loans charged against the allowance for credit losses	0	0
Loans, collectively evaluated	60,551	$ 48,074
Public Sector and IDA Portfolio Segment[Member] | Pass [Member]
Originated more than five years prior	20,817
Originated five years prior	0
Originated four years prior	235
Originated three years prior	26,702
Originated two years prior	6,335
Originated current year	6,462
Revolving	0
Revolving loans converted to term	0
Gross loans	$ 60,551

Note 5 - Allowance for Loan _12

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Financing Receivable, Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
amortized cost		$ 3,032
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Interest Only Payments [Member]
amortized cost	$ 6,396
Percentage	5.46%
Commercial real estate owner-occupied (Month)	6 months

Note 5 - Allowance for Loan _13

Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets - Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Balance	$ 8,225	$ 7,674
Provision for credit losses	(1,278)	706
Balance	9,094	8,225
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	2,342
Balance		2,342
Unfunded Loan Commitment [Member]
Balance	35
Provision for credit losses	17
Balance	259	35
Unfunded Loan Commitment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance	$ 207
Balance		$ 207

Note 6 - Premises and Equipme_3

Note 6 - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Depreciation	$ 754	$ 609
Construction in Progress, Gross	$ 1,822	$ 1,586

Note 6 - Premises and Equipme_4

Note 6 - Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Premises and Equipment	$ 23,586	$ 22,093
Accumulated depreciation	(12,477)	(11,722)
Premises and equipment, net	11,109	10,371
Building [Member]
Premises and Equipment	15,724	15,435
Furniture and Fixtures [Member]
Premises and Equipment	$ 7,862	$ 6,658

Note 7 - Deposits (Details Text

Note 7 - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Time Deposits, at or Above FDIC Insurance Limit	$ 65,777	$ 18,610
Deposit Liabilities Reclassified as Loans Receivable	$ 237	$ 277

Note 7 - Deposits - Maturities

Note 7 - Deposits - Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
2024	$ 214,540
2025	2,831
2026	2,110
2027	2,219
2028	1,540
Thereafter	0
Total time deposits	$ 223,240	$ 67,629

Note 8 - Employee Benefit Pla_3

Note 8 - Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent		100%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 446	$ 392
Age Attained to be Eligible for ESOP (Year)	21 years
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	$ 300	400
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares (in shares)	189,869
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%
Employee Benefits and Share-Based Compensation	$ 3,371	3,339
Accrued Expenses for Salary Continuation Plan	$ 317	$ 326
Equity Securities [Member]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	65%
Fixed Income Securities [Member]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	35%
Hedge Funds [Member]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	0%

Note 8 - Employee Benefit Pla_4

Note 8 - Employee Benefit Plans - Defined Benefit Plan Activity (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Actuarial loss (gain) (3)		$ 1,542	$ (11,566)
Fair value of plan assets at beginning of year		29,746
Fair value of plan assets at end of year		32,509	29,746
Pension Plan [Member]
Projected benefit obligation at beginning of year		23,128	35,312
Service cost (1)	[1]	813	1,297
Interest cost (2)	[2]	1,091	817
Actuarial loss (gain) (3)	[3]	1,542	(11,566)
Benefits paid		(824)	(2,732)
Projected benefit obligation at end of year		25,750	23,128
Fair value of plan assets at beginning of year		29,746	36,187
Actual return on plan assets		3,587	(3,709)
Benefits paid		(824)	(2,732)
Fair value of plan assets at end of year		32,509	29,746
Funded status at the end of the year		6,759	6,618
Deferred tax liabilities		(1,419)	(1,390)
Other assets		6,759	6,618
Total amounts recognized in the Consolidated Balance Sheet		5,340	5,228
Net loss		(2,924)	(2,968)
Deferred tax asset		614	623
Amount recognized		(2,310)	(2,345)
Benefit obligation		(25,750)	(23,128)
Fair value of assets		32,509	29,746
Unrecognized net actuarial loss		2,924	2,968
Deferred tax liability		(2,033)	(2,013)
Prepaid benefit cost included in other assets		7,650	7,573
Expected return on plan assets	[4]	(2,070)	(2,517)
Recognized net actuarial loss	[4]	69	441
Net periodic benefit cost		(97)	38
Net gain		(44)	(5,781)
Deferred income tax expense		9	1,214
Total recognized		(35)	(4,567)
Total recognized in net periodic benefit cost and other comprehensive loss		$ (141)	$ (5,743)
Discount rate used for net periodic pension cost		5%	2.50%
Discount rate used for disclosure		4.75%	5%
Expected return on plan assets		7.50%	7.50%
Rate of compensation increase		3%	3%
[1]Cost is included in Salaries and Employee Benefits expense.[2]Cost is included in other operating expense on the Consolidated Statements of Income.[3]Please see table below for detail on the components of actuarial loss (gain).[4]Cost is included in other operating expense on the Consolidated Statements of Income.

Note 8 - Employee Benefit Pla_5

Note 8 - Employee Benefit Plans- Components of Actuarial Loss (Gain) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loss due to demographic changes	$ 934	$ 66
Gain due to change in mortality table	(291)	0
Loss (gain) due to change in discount rate	899	(11,632)
Actuarial loss (gain)	1,542	(11,566)
(Gain) loss due to asset return	(1,517)	6,226
Actuarial loss (gain) with asset return	$ 25	$ (5,340)

Note 8 - Employee Benefit Pla_6

Note 8 - Employee Benefit Plans - Fair Value Measurements (Details) - USD ($) $ in Thousands		Dec. 31, 2023	Dec. 31, 2022
Fair value, plan assets		$ 32,509	$ 29,746
Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		24,905	22,734
Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		7,604	7,012
Cash [Member]
Fair value, plan assets		867	415
Cash [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		867	415
Defined Benefit Plan, Equity Securities, US [Member]
Fair value, plan assets		17,540	15,459
Defined Benefit Plan, Equity Securities, US [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		17,540	15,459
Defined Benefit Plan, Equity Securities, Non-US [Member]
Fair value, plan assets		400	770
Defined Benefit Plan, Equity Securities, Non-US [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		400	770
Equity Funds [Member]
Fair value, plan assets	[1]	6,098	6,090
Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets	[1]	6,098	6,090
US States and Political Subdivisions Debt Securities [Member]
Fair value, plan assets		51	51
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		51	51
Corporate Debt Securities [Member]
Fair value, plan assets	[2]	7,553	6,961
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets	[2]	$ 7,553	$ 6,961
[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_7

Note 8 - Employee Benefit Plans - Expected Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2023 USD ($)
2024	$ 4,971
2025	783
2026	1,824
2027	1,746
2028	1,817
2029-2033	$ 11,559

Note 9 - Income Taxes (Details

Note 9 - Income Taxes (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred Tax Assets, Valuation Allowance	$ 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, 2023	Dec. 31, 2022
Current	$ 2,234	$ 5,940
Deferred income tax expense (benefit)	750	(109)
Total income tax expense	$ 2,984	$ 5,831

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, 2023	Dec. 31, 2022
Computed "expected" income tax expense	$ 3,922	$ 6,670
Tax-exempt interest income	(354)	(728)
Nondeductible interest expense	(170)	24
Other, net	(414)	(135)
Total income tax expense	$ 2,984	$ 5,831

Note 9 - Income Taxes - Compone

Note 9 - Income Taxes - Components of Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Allowance for credit losses and unearned fee income	$ 2,155	$ 1,906
Valuation allowance on other real estate owned	0	248
Defined benefit pension plan	614	623
Deferred compensation and other liabilities	889	919
Net unrealized loss on securities available for sale	16,629	21,644
Lease accounting	237	303
Unvested stock-based compensation	5	0
Total deferred tax assets	20,529	25,643
Deferred tax liabilities:
Fixed assets	(597)	(463)
Goodwill	(1,228)	(1,228)
Defined benefit pension plan, prepaid portion	(2,034)	(2,013)
Lease accounting	(230)	(297)
Discount accretion of securities	(122)	(84)
Total deferred tax liabilities	(4,211)	(4,085)
Net deferred tax assets	$ 16,318	$ 21,558

Note 10 - Restrictions on Div_2

Note 10 - Restrictions on Dividends (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries	$ 12,000	$ 25,000
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	$ 9,456

Note 11 - Minimum Regulatory _3

Note 11 - Minimum Regulatory Capital Requirement (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
National Bank of Blacksburg [Member]
Banking Regulation, Risk-Weighted Assets, Actual	$ 1,082,158	$ 1,092,101

Note 11 - Minimum Regulatory _4

Note 11 - Minimum Regulatory Capital Requirement - Minimum Capital Requirements (Details) - National Bank of Blacksburg [Member] $ in Thousands		Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Total capital (to risk weighted assets), actual, amount		$ 195,782	$ 191,883
Total capital (to risk weighted assets), actual, ratio		0.1809	0.1757
Total capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 113,627	$ 114,671
Total capital (to risk weighted assets), minimum capital requirement, ratio	[1]	0.105	0.105
Total capital (to risk weighted assets), minimum to be well capitalized, amount		$ 108,216	$ 109,210
Total capital (to risk weighted assets), minimum to be well capitalized, ratio		0.10	0.10
Tier 1 capital (to risk weighted assets), actual, amount		$ 186,429	$ 183,623
Tier 1 capital (to risk weighted assets), actual, ratio		0.1723	0.1681
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 91,983	$ 92,829
Tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	[1]	0.085	0.085
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount		$ 86,573	$ 87,368
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio		0.08	0.08
Common equity tier 1 capital (to risk weighted assets), actual, amount		$ 186,429	$ 183,623
Common equity tier 1 capital (to risk weighted assets), actual, ratio		0.1723	0.1681
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	[1]	$ 75,751	$ 76,447
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	[1]	7%	7%
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount		$ 70,340	$ 70,987
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		$ 186,429	$ 183,623
Tier 1 capital (to average assets), actual, ratio		0.1105	0.105
Tier 1 capital (to average assets), minimum capital requirement, amount	[1]	$ 67,491	$ 69,925
Tier 1 capital (to average assets), minimum capital requirement, ratio	[1]	0.04	0.04
Tier 1 capital (to average assets), minimum to be well capitalized, amount		$ 84,364	$ 87,406
Tier 1 capital (to average assets), minimum to be well capitalized, ratio		0.05	0.05
[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, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 12,967	$ 12,403
Investments in subsidiaries	129,731	107,746
Other assets	34,091	37,616
Total assets	1,655,370	1,677,551
Liabilities and Stockholders’ Equity
Other liabilities	9,460	12,033
Stockholders’ equity	140,522	122,687	$ 191,751
Total liabilities and stockholders’ equity	1,655,370	1,677,551
Parent Company [Member]
Assets
Cash and due from banks	11,010	14,927
Refundable income taxes	0	70
Other assets	655	648
Total assets	141,396	123,391
Liabilities and Stockholders’ Equity
Other liabilities	874	704
Stockholders’ equity	140,522	122,687
Total liabilities and stockholders’ equity	$ 141,396	$ 123,391

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, 2023	Dec. 31, 2022
Income
Gain on sale of private equity investment	$ 232	$ 3,823
Expenses
Applicable income tax benefit (expense)	2,984	5,831
Net income	15,691	25,932
Parent Company [Member]
Income
Dividends from subsidiaries	12,000	25,000
Gain on sale of private equity investment	232	3,823
Revenues	12,232	28,823
Expenses
Other expenses	2,142	1,220
Income before income tax benefit (expense) and equity in undistributed net income of subsidiaries	10,090	27,603
Applicable income tax benefit (expense)	499	(491)
Income before equity (deficit) in undistributed net income of subsidiaries	10,589	27,112
Equity (deficit) in undistributed net income of subsidiaries	5,102	(1,180)
Net income	$ 15,691	$ 25,932

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, 2023	Dec. 31, 2022
Cash Flows from Operating Activities
Net income	$ 15,691	$ 25,932
Adjustment to reconcile net income to net cash provided by operating activities:
Other assets	(1,721)	(24)
Net change in other liabilities	(2,754)	2,025
Net cash provided by operating activities	15,523	29,500
Cash dividends paid	(14,784)	(8,950)
Shares repurchased	0	(6,338)
Net cash (used in) provided by financing activities	(53,537)	32,850
Net change in cash and due from banks	15,174	(67,360)
Cash and due from banks at beginning of year	71,429	138,789
Cash and due from banks at end of year	86,603	71,429
Parent Company [Member]
Cash Flows from Operating Activities
Net income	15,691	25,932
Adjustment to reconcile net income to net cash provided by operating activities:
(Equity) deficit in undistributed net income of subsidiaries	5,102	(1,180)
Net change in refundable income taxes due from subsidiaries	70	576
Other assets	38	593
Net change in other liabilities	170	(390)
Net cash provided by operating activities	10,867	27,891
Cash dividends paid	(14,784)	(8,950)
Shares repurchased	0	(6,338)
Net cash (used in) provided by financing activities	(14,784)	(15,288)
Net change in cash and due from banks	(3,917)	12,603
Cash and due from banks at beginning of year	14,927	2,324
Cash and due from banks at end of year	$ 11,010	$ 14,927

Note 13 - Financial Instrumen_3

Note 13 - Financial Instruments With Off-balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Payment for Origination, Loan, Mortgage, Held-for-Sale	$ 7,624	$ 7,882
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Cost of Mortgage Sold	7,325	$ 8,654
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	406	$ 0
Cash, Uninsured Amount	962
Interest Rate Lock Commitments [Member]
Other Commitment	$ 233

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, 2023	Dec. 31, 2022
Commitments to Extend Credit [Member]
Off balance sheet liability, amount	$ 220,656	$ 197,459
Standby Letters of Credit 1 [Member]
Off balance sheet liability, amount	20,711	17,021
Interest Rate Lock Commitments [Member]
Off balance sheet liability, amount	$ 7,325	$ 8,654

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, 2023	Dec. 31, 2022
Residential Real Estate Loans [Member]
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 241,564	$ 221,052
Concentration Risk, Percentage	28%	26%
Commercial Real Estate Loans [Member]
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 419,130	$ 437,888
Concentration Risk, Percentage	49%	51%
College Housing and Professional Office Buildings [Member]
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 167,794	$ 196,398
Concentration Risk, Percentage	20%	23%

Note 15 - Fair Value Measurem_3

Note 15 - Fair Value Measurements (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Loans Held-for-sale [Member] | Changes Measurement [Member] | Fair Value, Nonrecurring [Member]
Assets, Fair Value Adjustment	$ 0

Note 15 - Fair Value Measurem_4

Note 15 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) $ in Thousands		Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Securities available for sale		$ 618,601	$ 656,852
Interest Rate Loan Contract [Member] | Fair Value, Recurring [Member]
Derivative Asset		$ 3
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Minimum [Member]
Derivative Liability, Measurement Input	[1]	1.016
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Maximum [Member]
Derivative Liability, Measurement Input	[1]	1.0264
Forward Sale Commitment [Member] | Fair Value, Recurring [Member]
Derivative Liability		$ (4)
Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale		618,601	656,852
Fair Value, Inputs, Level 3 [Member]
Securities available for sale		0	0
Fair Value, Inputs, Level 3 [Member] | Interest Rate Loan Contract [Member] | Fair Value, Recurring [Member]
Derivative Asset		3
Fair Value, Inputs, Level 3 [Member] | Forward Sale Commitment [Member] | Fair Value, Recurring [Member]
Derivative Liability		(4)
US Government Agencies Debt Securities [Member]
Securities available for sale		311,844	336,575
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale		311,844	336,575
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		0	0
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale		149,893	152,200
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale		149,893	152,200
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		0	0
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale		150,151	161,477
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale		150,151	161,477
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		0	0
Corporate Debt Securities [Member]
Securities available for sale		5,750	5,664
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale		5,750	5,664
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		0	0
US Treasury Securities [Member]
Securities available for sale		963	936
US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale			0
US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale		963	936
US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale			$ 0
[1]Current reference prices were weighted by the relative amount of the loan

Note 15 - Fair Value Measurem_5

Note 15 - Fair Value Measurements - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Other real estate owned net of valuation allowance	$ 662
Fair Value, Inputs, Level 1 [Member]
Other real estate owned net of valuation allowance	0
Fair Value, Inputs, Level 2 [Member]
Other real estate owned net of valuation allowance	0
Fair Value, Inputs, Level 3 [Member]
Other real estate owned net of valuation allowance	$ 662

Note 15 - Fair Value Measurem_6

Note 15 - Fair Value Measurements - Level 3 Fair Value Measurements (Details) - Valuation, Market Approach [Member]	Dec. 31, 2022	[1]
Measurement Input, Cost to Sell [Member]
OREO	0.07
Measurement Input, Discount Rate [Member]
OREO	0.3472
[1]As of September 30, 2022 and December 31, 2021, OREO was composed of a single property.

Note 15 - Fair Value Measurem_7

Note 15 - Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Securities available for sale, at fair value	$ 618,601	$ 656,852
Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	618,601	656,852
Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
Reported Value Measurement [Member]
Cash and due from banks	12,967	12,403
Interest-bearing deposits	73,636	59,026
Securities available for sale, at fair value		656,852
Restricted stock, at cost		941
Loans, net	847,552	844,519
Accrued interest receivable	6,313	6,001
Bank-owned life insurance	43,583	43,312
Deposits	1,503,972	1,542,725
Accrued interest payable	1,416	106
Estimate of Fair Value Measurement [Member]
Securities available for sale, at fair value	618,601
Restricted stock, at cost	1,264
Mortgage loans	406
Interest rate loan contract	3
Forward sale commitment	4
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	12,967	12,403
Interest-bearing deposits	73,636	59,026
Securities available for sale, at fair value	0	0
Restricted stock, at cost	0	0
Mortgage loans	0
Loans, net	0	0
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Interest rate loan contract	0
Deposits	0	0
Accrued interest payable	0	0
Forward sale commitment	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and due from banks	0	0
Interest-bearing deposits	0	0
Securities available for sale, at fair value	618,601	656,852
Restricted stock, at cost	1,264	941
Mortgage loans	406
Loans, net	0	0
Accrued interest receivable	6,313	6,001
Bank-owned life insurance	43,583	43,312
Interest rate loan contract	0
Deposits	1,280,732	1,475,096
Accrued interest payable	1,416	106
Forward sale commitment	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and due from banks	0	0
Interest-bearing deposits	0	0
Securities available for sale, at fair value	0	0
Restricted stock, at cost	0	0
Mortgage loans	0
Loans, net	793,800	781,749
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Interest rate loan contract	3
Deposits	222,374	67,542
Accrued interest payable	0	$ 0
Forward sale commitment	$ 4

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, 2023	Dec. 31, 2022
Balance	$ 122,687	$ 191,751
Net pension gain (loss) arising during the period, net of tax	(35)	(4,567)
Balance	140,522	122,687
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Balance	(81,421)	2,854
Unrealized holding gain (loss) on available for sale securities, net of tax	16,233	(84,275)
Reclassification adjustment, net of tax of $700	2,632
Balance	(62,556)	(81,421)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(2,345)	(6,912)
Net pension gain (loss) arising during the period, net of tax	35	4,567
Reclassification adjustment, net of tax of $700	0
Balance	(2,310)	(2,345)
AOCI Attributable to Parent [Member]
Balance	(83,766)	(4,058)
Unrealized holding gain (loss) on available for sale securities, net of tax	16,233	(84,275)
Net pension gain (loss) arising during the period, net of tax	35	4,567
Reclassification adjustment, net of tax of $700	2,632
Balance	$ (64,866)	$ (83,766)

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, 2023	Dec. 31, 2022
Net pension gain (loss) arising during the period, taxes	$ 9	$ 1,214

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, 2023	Dec. 31, 2022
Realized securities loss, net	$ (3,332)	$ 0
Income tax benefit	(700)
Realized loss on available for sale securities, net of tax, reclassified out of accumulated other comprehensive loss	(2,632)	0
Reclassification out of Accumulated Other Comprehensive Income [Member]
Income tax benefit	$ 700	$ 0

Note 17 - Goodwill (Details Tex

Note 17 - Goodwill (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Goodwill	$ 5,848	$ 5,848
Goodwill, Impairment Loss	$ 0	$ 0

Note 18 - Revenue Recognition -

Note 18 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Noninterest Income (in-scope of Topic 606)	$ 7,072	$ 6,994
Gain on sale of OREO(1)	(4)	0
Noninterest Income (out-of-scope of Topic 606)	2,287	5,407
Total noninterest income	9,359	12,401
Noninterest Income [Member]
Gain on sale of OREO(1)	1	0
Deposit Account [Member]
Noninterest Income (in-scope of Topic 606)	2,518	2,425
Product and Service, Other [Member]
Noninterest Income (in-scope of Topic 606)	297	214
Credit and Debit Card [Member]
Noninterest Income (in-scope of Topic 606)	1,678	1,916
Fiduciary and Trust [Member]
Noninterest Income (in-scope of Topic 606)	1,901	1,817
Insurance and Investment [Member]
Noninterest Income (in-scope of Topic 606)	$ 677	$ 622

Note 19 - Leases - Lease Inform

Note 19 - Leases - Lease Information and Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Weighted average remaining lease term (in years) (Year)	4 years 4 months 20 days	5 years 1 month 20 days
Weighted average discount rate	3.29%	3.29%
Operating lease expense	$ 364	$ 331
Short-term lease expense	20	2
Total lease expense	384	333
Cash paid for amounts included in lease liabilities	382	331
Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period	0	161
Other Liabilities [Member]
Lease liability	1,127	1,444
Other Assets [Member]
Right-of-use asset	$ 1,096	$ 1,415

Note 19 - Leases - Lease Liabil

Note 19 - Leases - Lease Liability Maturity Schedule (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Twelve months ending December 31, 202	$ 346
Twelve months ending December 31, 2025	260
Twelve months ending December 31, 2026	211
Twelve months ending December 31, 2027	188
Twelve months ending December 31, 2028	190
Thereafter	16
Total undiscounted cash flows	1,211
Less: discount	(84)
Other Liabilities [Member]
Lease liability	$ 1,127	$ 1,444

Note 20 - Stock Based Compens_3

Note 20 - Stock Based Compensation (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	May 09, 2023
Share-Based Payment Arrangement, Expense	$ 42
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 84
Stock Incentive Plan 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized (in shares)		120,000
Stock Incentive Plan 2023 [Member] | Restricted Stock Award [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period (Year)	1 year

Note 20 - Stock Based Compens_4

Note 20 - Stock Based Compensation - Summary of Nonvested Shares (Details) - Restricted Stock Award [Member]	12 Months Ended
	Dec. 31, 2023 $ / shares shares
Nonvested, shares (in shares) | shares	0
Nonvested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 0
Granted, shares (in shares) | shares	4,095
Granted, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.73
Nonvested, shares (in shares) | shares	4,095
Nonvested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.73

Note 21 - Earnings Per Share -

Note 21 - Earnings Per Share - Schedule of Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Net income, basic	$ 15,691	$ 25,932
Common shares, basic (in shares)	5,889,687	5,989,601
Basic net income per common share (in dollars per share)	$ 2.66	$ 4.33
Dilutive shares for restricted stock awards: (in shares)	266	0
Net income, diluted	$ 15,691	$ 25,932
Common shares, diluted (in shares)	5,889,953	5,989,601
Fully diluted net income per common share (in dollars per share)	$ 2.66	$ 4.33