National Bankshares (NKSH) 10-Q 15 May 24 2024 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2024	May 14, 2024
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	Q1
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,893,782

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 10,656	$ 12,967
Interest-bearing deposits	110,527	73,636
Total cash and cash equivalents	121,183	85,603
Securities available for sale, at fair value	609,968	618,601
Restricted stock, at cost	1,248	1,264
Mortgage loans held for sale	0	406
Loans:
Loans, net of unearned income and deferred fees and costs	863,548	856,646
Less allowance for credit losses	(9,055)	(9,094)
Total loans, net	854,493	847,552
Premises and equipment, net	11,214	11,109
Accrued interest receivable	6,478	6,313
Goodwill	5,848	5,848
Bank-owned life insurance	43,840	43,583
Other assets	34,934	34,091
Total assets	1,689,206	1,655,370
Liabilities and Stockholders' Equity
Noninterest-bearing demand deposits	283,870	281,215
Interest-bearing demand deposits	838,450	821,661
Savings deposits	175,587	177,856
Time deposits	239,901	223,240
Total deposits	1,537,808	1,503,972
Accrued interest payable	2,514	1,416
Other liabilities	9,494	9,460
Total liabilities	1,549,816	1,514,848
Commitments and contingencies
Stockholders' Equity
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding	0	0
Common stock of $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 at March 31, 2024 and December 31, 2023	7,436	7,404
Retained earnings	200,158	197,984
Accumulated other comprehensive loss, net	(68,204)	(64,866)
Total stockholders' equity	139,390	140,522
Total liabilities and stockholders' equity	$ 1,689,206	$ 1,655,370

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares	Mar. 31, 2024	Dec. 31, 2023
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	5,893,782
Common stock, shares outstanding (in shares)	5,893,782	5,893,782
Common stock, shares unvested (in shares)	4,095	4,095

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest Income
Interest and fees on loans	$ 10,277	$ 9,333
Interest on interest-bearing deposits	1,129	228
Interest on securities – taxable	4,276	4,118
Interest on securities – nontaxable	339	365
Total interest income	16,021	14,044
Interest Expense
Interest on time deposits	2,552	359
Interest on other deposits	5,224	2,454
Interest on borrowings	0	285
Total interest expense	7,776	3,098
Net interest income	8,245	10,946
(Recovery of) provision for credit losses	(10)	2
Net interest income after (recovery of) provision for credit losses	8,255	10,944
Noninterest Income:
Noninterest Income	1,903	1,842
BOLI income	258	239
Gain on sale of mortgage loans	24	16
Other income	319	375
Realized securities gain, net	0	12
Total noninterest income	2,199	2,199
Noninterest Expense
Salaries and employee benefits	4,466	4,434
Occupancy, furniture and fixtures	539	542
Data processing and ATM	867	873
FDIC assessment	187	117
Net costs of other real estate owned	0	11
Franchise taxes	350	375
Professional services	240	753
Merger-related expenses	484	0
Other operating expenses	629	559
Total noninterest expense	7,762	7,664
Income before income taxes	2,692	5,479
Income tax expense	518	948
Net Income	$ 2,174	$ 4,531
Basic earnings per common share (in dollars per share)	$ 0.37	$ 0.77
Diluted earnings per common share (in dollars per share)	$ 0.37	$ 0.77
Weighted average number of common shares outstanding, basic (in shares)	5,889,687	5,889,687
Weighted average number of common shares outstanding, diluted (in shares)	5,891,651	5,889,687
Dividends declared per common share (in dollars per share)	$ 0	$ 1
Deposit Account [Member]
Noninterest Income:
Noninterest Income	$ 675	$ 592
Product and Service, Other [Member]
Noninterest Income:
Noninterest Income	46	53
Credit and Debit Card [Member]
Noninterest Income:
Noninterest Income	374	467
Fiduciary and Trust [Member]
Noninterest Income:
Noninterest Income	$ 503	$ 445

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Net Income	$ 2,174	$ 4,531
Other Comprehensive (Loss) Income, Net of Tax
Unrealized holding (loss) gain on available for sale securities net of tax of ($887) and $3,121 for the periods ended March 31, 2024 and 2023, respectively	(3,338)	11,738
Reclassification adjustment for gain included in net income, net of tax of ($3) in 2023	0	(9)
Other comprehensive (loss) income, net of tax	(3,338)	11,729
Total Comprehensive (Loss) Income	$ (1,164)	$ 16,260

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Unrealized holding gain (loss) on available for sale securities, tax	$ (887)	$ 3,121
Reclassification adjustment for gain included in net income, tax		$ (3)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - 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 (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	4,531	0	4,531
Cash dividend					0	(5,890)	0	(5,890)
Other comprehensive income (loss), net of tax					0	0	11,729	11,729
Other comprehensive income (loss), net of tax					0	0	11,729	11,729
Balance at Mar. 31, 2023					7,362	195,718	(72,037)	131,043
Balance at Dec. 31, 2023					7,404	197,984	(64,866)	140,522
Net income					0	2,174	0	2,174
Other comprehensive income (loss), net of tax					0	0	(3,338)	(3,338)
Other comprehensive income (loss), net of tax					0	0	(3,338)	(3,338)
Stock based compensation					32		0	32
Balance at Mar. 31, 2024					$ 7,436	$ 200,158	$ (68,204)	$ 139,390

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash dividend, per share (in dollars per share)	$ 0	$ 1
Other comprehensive loss, net of tax	$ (887)	$ 3,118

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Cash Flows from Operating Activities
Net income	$ 2,174	$ 4,531
Adjustments to reconcile net income to net cash provided by operating activities:
(Recovery of) provision for credit losses	(10)	2
Depreciation of premises and equipment	210	163
Amortization of premiums and accretion of discounts, net	259	253
Gain on sale of securities available for sale, net	0	(12)
Loss on disposal of repossessed assets	0	5
Increase in cash value of bank-owned life insurance	(258)	(239)
Origination of mortgage loans held for sale	(1,023)	(1,239)
Proceeds from sale of mortgage loans held for sale	1,453	1,255
Gain on sale of mortgage loans held for sale	(24)	(16)
Equity based compensation expense	32	0
Net change in:
Accrued interest receivable	(165)	(6)
Other assets	44	200
Accrued interest payable	1,098	208
Other liabilities	50	(772)
Net cash provided by operating activities	3,840	4,333
Cash Flows from Investing Activities
Proceeds from calls, principal payments, sales and maturities of securities available for sale	4,149	20,411
Net change in restricted stock	16	12
Purchase of loan participations	(5,609)	(2,280)
Collection of loan participations	610	3,126
Loan originations and principal collections, net	(2,012)	(5,166)
Proceeds from sale of repossessed assets	0	9
Recoveries on loans charged off	65	173
Purchases of premises and equipment	(315)	(223)
Net cash (used in) provided by investing activities	(3,096)	16,062
Cash Flows from Financing Activities
Net change in time deposits	16,661	57,942
Net change in other deposits	17,175	(89,215)
Cash dividends paid	0	(5,890)
Net cash provided by (used in) financing activities	33,836	(37,163)
Net change in cash and cash equivalents	34,580	(16,768)
Cash and cash equivalents at beginning of period	86,603	71,429	$ 71,429
Cash and cash equivalents at end of period	121,183	54,661	86,603
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowings	6,678	2,890
Income taxes paid	260	1,015
Supplemental Disclosure of Noncash Activities
Loans charged against the allowance for credit losses	109	92	$ 478
Loans transferred to repossessed assets	0	7
Unrealized holding (loss) gain on securities available for sale	$ (4,225)	$ 14,847

Note 1 - General and Summary of

Note 1 - General and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Note 1: The consolidated financial statements of National Bankshares, Inc. (“NBI”) and its wholly-owned subsidiaries, The National Bank of Blacksburg (the “Bank” or “NBB”) and National Bankshares Financial Services, Inc. (“NBFS”) (collectively, the “Company”), conform to accounting principles generally accepted in the United States of America (“GAAP”) and to general practices within the banking industry. All significant intercompany accounts and transactions between the Company and its subsidiaries have been eliminated. The accompanying interim period consolidated financial statements are unaudited; however, in the opinion of the Company’s management, all adjustments consisting of normal recurring adjustments, which are necessary for a fair presentation of the consolidated financial statements, have been included. Application of the principles of GAAP and practices within the banking industry requires management to make estimates, assumptions, and judgements that affect the amounts reported in the financial statements and accompanying notes. These estimates, assumptions, and judgements are based on information available as of the date of the financial statement; accordingly, as this information changes, the financial statements may may The results of operations for the three March 31, 2024 not 10 10 December 31, 2023 ( “2023 10 1 2023 10 no December 31, 2023. December 31, 2023, 1934 www.nationalbankshares.com Certain items in the prior period financial statements have been reclassified to conform to the current presentation. These reclassifications had no Risks and Uncertainties The Company is closely monitoring risks that may may Recent Accounting Pronouncements ASU 2023 09 In December 2023, 2023 09, 740 five five December 15, 2024. not 2023 09 Recently Adopted Accounting Standards ASU 2022 03 In June 2022, 2022 03, 820 2022 03 not not 2022 03 January 1, 2024. 2022 03 not

Note 2 - Loans and Allowance fo

Note 2 - Loans and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Financing Receivables [Text Block]	Note 2: Loans The following table presents the composition of the loan portfolio, excluding mortgage loans held for sale, as of the dates indicated. March 31, 2024 December 31, 2023 Real estate construction $ 61,486 $ 55,379 Consumer real estate 244,946 241,564 Commercial real estate 414,615 419,130 Commercial non real estate 41,835 41,555 Public sector and IDA 59,742 60,551 Consumer non real estate 41,467 38,996 Gross loans $ 864,091 $ 857,175 Less unearned income and deferred fees and costs (543 ) (529 ) Loans, net of unearned income and deferred fees and costs $ 863,548 $ 856,646 Allowance for credit losses on loans (9,055 ) (9,094 ) Total loans, net $ 854,493 $ 847,552 The amortized cost of loans excludes accrued interest receivable of $3,035 at March 31, 2024 December 31, 2023. Past Due and Nonaccrual Loans The following tables present the aging of past due loans, by loan pool, as of the dates indicated. March 31, 2024 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 $ 11,603 $ - $ - $ - $ 11,603 $ - Construction, other 49,883 - - - 49,883 - Consumer Real Estate Equity line 17,404 112 - - 17,516 - Residential closed-end first liens 129,086 598 121 - 129,805 121 Residential closed-end junior liens 4,932 11 - - 4,943 - Investor-owned residential real estate 92,605 77 - - 92,682 - Commercial Real Estate Multifamily residential real estate 118,309 - - - 118,309 - Commercial real estate owner-occupied 112,302 147 - 2,381 114,830 225 Commercial real estate, other 181,476 - - - 181,476 - Commercial Non Real Estate Commercial and industrial 41,564 22 39 210 41,835 39 Public Sector and IDA States and political subdivisions 59,742 - - - 59,742 - Consumer Non-Real Estate Credit cards 4,664 1 1 - 4,666 1 Automobile 12,817 104 - - 12,921 - Other consumer loans 23,762 117 1 - 23,880 1 Total $ 860,149 $ 1,189 $ 162 $ 2,591 $ 864,091 $ 387 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 The following table presents nonaccrual loans, by loan class, as of the dates indicated: March 31, 2024 December 31, 2023 With No Allowance With an Allowance Total With No Allowance With an Allowance Total Commercial Real Estate Commercial real estate owner-occupied $ 2,156 $ 225 $ 2,381 $ 2,177 $ 231 $ 2,408 Commercial Non Real Estate Commercial and industrial - 210 210 - 221 221 Total $ 2,156 $ 435 $ 2,591 $ 2,177 $ 452 $ 2,629 During the three March 31, 2024, no Allowance for Credit Losses on Loans (ACLL) The following tables present the activity in the ACLL by portfolio segment for the periods indicated: Activity in the Allowance for Credit Losses on Loans for the Three Months Ended March 31, 2024 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, 2023 $ 408 $ 3,162 $ 3,576 $ 682 $ 333 $ 583 $ 350 $ 9,094 Charge-offs - - - - - (109 ) - (109 ) Recoveries - - 16 2 - 47 - 65 Provision for (recovery of) credit losses (59 ) (194 ) 264 (37 ) (12 ) 12 31 5 Balance, March 31, 2024 $ 349 $ 2,968 $ 3,856 $ 647 $ 321 $ 533 $ 381 $ 9,055 Activity in the Allowance for Credit Losses on Loans for the Three Months Ended March 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 - - - (12 ) - (80 ) - (92 ) Recoveries - 102 12 2 - 57 - 173 Provision for (recovery of) credit losses 22 (260 ) 20 58 (10 ) - 172 2 Balance, March 31, 2023 $ 451 $ 3,302 $ 4,374 $ 1,194 $ 294 $ 555 $ 480 $ 10,650 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 Provision for (recovery of) 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 The following tables present information about the ACLL for individually evaluated loans and collectively evaluated loans by portfolio segment as of the dates indicated. Allowance for Credit Losses on Loans by Segment and Evaluation Method March 31, 2024 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 $ 362 $ 129 $ - $ 3 $ - $ 568 Collectively evaluated 349 2,894 3,494 518 321 530 381 8,487 Total $ 349 $ 2,968 $ 3,856 $ 647 $ 321 $ 533 $ 381 $ 9,055 Allowance for Credit Losses on Loans by Segment and Evaluation Method 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 The following tables present information about individually evaluated loans and collectively evaluated loans by portfolio segment as of the dates indicated. Loans by Segment and Evaluation Method as of March 31, 2024 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non-Real Estate Total Individually evaluated $ 280 $ 1,237 $ 8,777 $ 237 $ - $ 34 $ 10,565 Collectively evaluated 61,206 243,709 405,838 41,598 59,742 41,433 853,526 Total $ 61,486 $ 244,946 $ 414,615 $ 41,835 $ 59,742 $ 41,467 $ 864,091 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 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 March 31, 2024, five December 31, 2023, three March 31, 2024 December 31, 2023. March 31, 2024 December 31, 2023 Balance Related Allowance Balance Related Allowance Consumer Real Estate Residential closed-end first lien $ 121 $ - $ 7 - Commercial Real Estate Commercial real estate, owner occupied 2,156 - 2,177 - Total Loans $ 2,277 $ - $ 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. Loans rated pass have acceptable credit quality. Loans rated special mention have potential weakness due to challenging economic or financial conditions. Loans rated classified have well-defined weaknesses that heighten the risk of default. The tables below present the loan portfolio by amortized cost basis, year of origination, loan class, credit quality, and charge-offs as of the dates indicated. Revolving Term Loans Amortized Cost Basis by Origination Year Loans Converted March 31, 2024 Prior 2020 2021 2022 2023 2024 Revolving to Term Total Construction, residential Pass $ - $ - $ - $ 1,216 $ 6,251 $ 219 $ 3,917 $ - $ 11,603 Construction, other Pass $ 3,748 $ 1,280 $ 9,211 $ 21,615 $ 5,596 $ 4,960 $ 3,193 $ - $ 49,603 Classified - - 280 - - - - - 280 Total $ 3,748 $ 1,280 $ 9,491 $ 21,615 $ 5,596 $ 4,960 $ 3,193 $ - $ 49,883 Equity lines Pass $ 76 $ - $ - $ - $ - $ - $ 17,303 $ 47 $ 17,426 Classified - - - - - - 90 - 90 Total $ 76 $ - $ - $ - $ - $ - $ 17,393 $ 47 $ 17,516 Residential closed-end first liens Pass $ 37,144 $ 14,707 $ 30,734 $ 30,468 $ 12,135 $ 4,170 $ - $ - $ 129,358 Classified 447 - - - - - - - 447 Total $ 37,591 $ 14,707 $ 30,734 $ 30,468 $ 12,135 $ 4,170 $ - $ - $ 129,805 Residential closed-end junior liens Pass $ 1,602 $ - $ 169 $ 1,379 $ 1,343 $ 450 $ - $ - $ 4,943 Investor-owned residential real estate Pass $ 28,964 $ 23,228 $ 18,699 $ 13,248 $ 4,586 $ 1,323 $ 1,934 $ - $ 91,982 Classified 700 - - - - - - - 700 Total $ 29,664 $ 23,228 $ 18,699 $ 13,248 $ 4,586 $ 1,323 $ 1,934 $ - $ 92,682 Multifamily residential real estate Pass $ 41,102 $ 2,130 $ 40,354 $ 25,647 $ 8,894 $ 62 $ 120 $ - $ 118,309 Commercial real estate, owner occupied Pass $ 51,271 $ 23,144 $ 4,425 $ 16,640 $ 8,027 $ 120 $ 2,426 $ - $ 106,053 Special mention 6,396 - - - - - - - 6,396 Classified 2,381 - - - - - - - 2,381 Total $ 60,048 $ 23,144 $ 4,425 $ 16,640 $ 8,027 $ 120 $ 2,426 $ - $ 114,830 Commercial real estate, other Pass $ 89,181 $ 18,902 $ 35,780 $ 22,476 $ 13,216 $ 1,215 $ 706 $ - $ 181,476 Commercial and industrial Pass $ 6,338 $ 944 $ 12,299 $ 6,475 $ 6,164 $ 2,139 $ 7,239 $ - $ 41,598 Classified 210 - - 7 - - 20 - 237 Total $ 6,548 $ 944 $ 12,299 $ 6,482 $ 6,164 $ 2,139 $ 7,259 $ - $ 41,835 Public sector and IDA Pass $ 20,432 $ 231 $ 26,375 $ 6,242 $ 6,462 $ - $ - $ - $ 59,742 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,666 $ - $ 4,666 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 22 $ - $ 22 Automobile Pass $ 182 $ 437 $ 1,388 $ 2,375 $ 6,448 $ 2,091 $ - $ - $ 12,921 Other consumer Pass $ 367 $ 691 $ 1,673 $ 5,109 $ 10,180 $ 5,092 $ 734 $ - $ 23,846 Special Mention - - - - 15 11 - - 26 Classified - - - - - 8 - - 8 Total $ 367 $ 691 $ 1,673 $ 5,109 $ 10,195 $ 5,111 $ 734 $ - $ 23,880 YTD gross charge-offs $ - $ 4 $ - $ 13 $ 46 $ 24 $ - $ - $ 87 Total Loans Pass $ 280,407 $ 85,694 $ 181,107 $ 152,890 $ 89,302 $ 21,841 $ 42,238 $ 47 $ 853,526 Special Mention 6,396 - - - 15 11 - - 6,422 Classified 3,738 - 280 7 - 8 110 - 4,143 Total $ 290,541 $ 85,694 $ 181,387 $ 152,897 $ 89,317 $ 21,860 $ 42,348 $ 47 $ 864,091 YTD gross charge-offs $ - $ 4 $ - $ 13 $ 46 $ 24 $ 22 $ - $ 109 Revolving Term Loans Amortized Cost Basis by Origination Year Loans Converted December 31, 2023 Prior 2019 2020 2021 2022 2023 Revolving 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 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. There were two loans modified for borrowers experiencing financial difficulty during the three March 31, 2024. three March 31, 2023. The following table presents information about loans modified for borrowers experiencing financial difficulty during the three March 31, 2024 Amortized Cost Basis % of Class Type of Modification Financial Effect Commercial Real Estate Commercial real estate owner-occupied $ 6,396 5.57 % Interest only payments 6 months of interest only payments, re-amortization of the balance to contractual maturity. Commercial Non real estate Commercial and industrial $ 7 0.02 % Term extension Renewal of single-payment note for an additional 3 months. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty. Both loans are in current status as of March 31, 2024. There were no loans to borrowers experiencing financial difficulty that had a payment default during the three March 31, 2024 2023 twelve 90 Residential Real Estate Loans In Process of Foreclosure As of March 31, 2024 three 1 4 December 31, 2023, one 1 4 ACL on Unfunded Commitments The following tables present the balance and activity in the ACL for unfunded commitments for the three March 31, 2024 2023: Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2023 $ 259 Recovery of credit losses (15 ) Balance, March 31, 2024 $ 244 Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2022 $ 35 Adoption of ASU 2016-13 207 Recovery of credit losses - Balance, March 31, 2023 $ 242

Note 3 - Securities

Note 3 - Securities	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 3: The amortized cost and estimated fair value of securities available for sale along with gross unrealized gains and losses as of the dates indicated are summarized as follows: March 31, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 352,961 $ - $ 44,972 $ 307,989 States and political subdivisions 179,343 - 31,344 147,999 Mortgage-backed securities 153,572 6 6,255 147,323 Corporate debt securities 6,505 - 817 5,688 U.S. treasury 997 - 28 969 Total securities available for sale $ 693,378 $ 6 $ 83,416 $ 609,968 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 No allowance for credit loss on securities available for sale was recorded as of March 31, 2024 December 31, 2023. Accrued interest receivable on securities, included in accrued interest receivable on the Consolidated Balance Sheets, totaled $3,444 at March 31, 2024 December 31, 2023. The deferred tax asset for the net unrealized loss on securities available for sale was $17,516 as of March 31, 2024 December 31, 2023. The amortized cost and fair value of single maturity securities available for sale at March 31, 2024, may may March 31, 2024 Amortized Cost Fair Value Available for Sale: Due in one year or less $ 13,749 $ 13,419 Due after one year through five years 180,902 166,926 Due after five years through ten years 273,587 232,336 Due after ten years 225,140 197,287 Total securities available for sale $ 693,378 $ 609,968 Information pertaining to securities with gross unrealized losses aggregated by investment category and length of time that the individual securities have been in a continuous loss position, as of the dates indicated, follows. March 31, 2024 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. government agencies and corporations $ - $ - $ 307,989 $ 44,972 State and political subdivisions 1,507 126 146,492 31,218 Mortgage-backed securities 583 1 135,492 6,254 Corporate debt securities - - 5,688 817 U.S. treasury - - 969 28 Total temporarily impaired securities $ 2,090 $ 127 $ 596,630 $ 83,289 December 31, 2023 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss 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 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 March 31, 2024, No no March 31, 2024. not not not not Restricted Stock. The Company holds restricted stock that is reported separately from available for sale securities. As a member of the Federal Reserve and the Federal Home Loan Bank of Atlanta (“FHLB”), NBB is required to maintain certain minimum investments in the common stock of those entities. Required levels of investment are based upon NBB’s capital and a percentage of qualifying assets. The Company purchases stock from or sells stock back to the correspondents based on their calculations. The stock is held by member institutions only and is not Redemption of FHLB stock is subject to certain limitations and conditions. At its discretion, the FHLB may March 31, 2024. March 31, 2024, not Realized Securities Gains and Losses There were no 2024. first three 2023,

Note 4 - Defined Benefit Plan

Note 4 - Defined Benefit Plan	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Retirement Benefits [Text Block]	Note 4: The following table presents components of Net Periodic Benefit Cost for the periods indicated: Pension Benefits Three Months Ended March 31, 2024 2023 Service cost $ 261 $ 203 Interest cost 302 273 Expected return on plan assets (608 ) (518 ) Amortization of prior service cost - - Recognized net actuarial loss 33 17 Net periodic benefit income $ (12 ) $ (25 ) The service cost component of net periodic benefit cost is included in salaries and employee benefits expense in the Consolidated Statements of Income. All other components are included in other operating expense in the Consolidated Statements of Income. In April 2024,

Note 5 - Fair Value Measurement

Note 5 - Fair Value Measurements	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 5: 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 cases where quoted market prices are 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 March 31, 2024 Balance Level 1 Level 2 Level 3 U.S. government agencies and corporations $ 307,989 $ - $ 307,989 $ - States and political subdivisions 147,999 - 147,999 - Mortgage-backed securities 147,323 - 147,323 - Corporate debt securities 5,688 - 5,688 - U.S. treasury 969 - 969 - Total securities available for sale $ 609,968 $ - $ 609,968 $ - 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 $ - 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 two March 31, 2024, one December 31, 2023, Fair Value Measurement Using March 31, 2024 Balance (Level 1) (Level 2) (Level 3) Interest rate loan contract $ 2 $ - $ - $ 2 Forward sale commitment $ (2 ) $ - $ - $ (2 ) March 31, 2024 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 102.61% - 103.05% (102.76%) (2) Forward sale commitment Market approach Current reference price 102.61% - 103.05% (102.76%) (2) 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% (3) Forward sale commitment Market approach Current reference price 101.60% - 102.64% (101.98%) (2) ( 1 All contracts are valued using the same pull-through rate ( 2 Current reference prices were weighted by the relative amount of the loan ( 3 Comprised of only one Financial Instruments Measured at Fair Value on a Non-Recurring Basis Certain financial instruments 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 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 March 31, 2024 December 31, 2023. Collateral Dependent Loans Collateral dependent loans are measured on a non-recurring basis for the ACL. If the fair value of the collateral is lower than the loan’s amortized cost basis, the shortfall is recognized in the ACLL. When repayment is expected from the operation of the collateral, fair value is estimated as the present value of expected cash flows from the operation of the collateral. When repayment is expected from the sale of the collateral, fair value is estimated using measurement techniques discussed below and discounted by the estimated cost to sell. The ACLL may zero For loans secured by real estate, fair value of collateral is determined by the “as-is” value of appraisals or third 24 2 may 3 The value of business equipment is based upon an outside appraisal (Level 2 3 not 3 As of March 31, 2024, three two third 2 not Other Real Estate Owned ( OREO ) 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 March 31, 2024 December 31, 2023. Fair Value Summary The following presents the recorded amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of the dates indicated. Fair values are estimated using the exit price notion. Estimated Fair Value March 31, 2024 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 10,656 $ 10,656 $ - $ - Interest-bearing deposits 110,527 110,527 - - Securities available for sale 609,968 - 609,968 - Restricted stock, at cost 1,248 - 1,248 - Loans, net 854,493 - - 790,540 Accrued interest receivable 6,478 - 6,478 - Bank-owned life insurance 43,840 - 43,840 - Interest rate loan contract 2 - - 2 Financial liabilities: Deposits $ 1,537,808 $ - $ 1,297,907 $ 241,538 Accrued interest payable 2,514 - 2,514 - Forward sale commitment 2 - - 2 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

Note 6 - Components of Accumula

Note 6 - Components of Accumulated Other Comprehensive Loss	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 6: The following tables provide information about components of accumulated other comprehensive loss as of the dates indicated: Net Unrealized Loss on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance at December 31, 2022 $ (81,421 ) $ (2,345 ) $ (83,766 ) Unrealized holding gain on available for sale securities, net of tax of $ 3,121 11,738 - 11,738 Reclassification adjustment, net of tax of ($3) (9 ) - (9 ) Balance at March 31, 2023 $ (69,692 ) $ (2,345 ) $ (72,037 ) Balance at December 31, 2023 $ (62,556 ) $ (2,310 ) $ (64,866 ) Unrealized holding loss on available for sale securities, net of tax of ($887) (3,338 ) - (3,338 ) Balance at March 31, 2024 $ (65,894 ) $ (2,310 ) $ (68,204 )

Note 7 - Revenue Recognition

Note 7 - Revenue Recognition	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	Note 7: 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 Accounting Standards Codification (“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, annuities and other investments. Commissions from the sale of mutual funds, annuities 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, Three Months March 31, Noninterest Income 2024 2023 In-scope of Topic 606: Service charges on deposit accounts $ 675 $ 592 Other service charges and fees 46 53 Credit and debit card fees, net 374 467 Trust income 503 445 Insurance and Investment (included within Other Income in the Consolidated Statements of Income) 305 285 Noninterest Income (in-scope of Topic 606) $ 1,903 $ 1,842 Noninterest Income (out-of-scope of Topic 606) 296 357 Total noninterest income $ 2,199 $ 2,199

Note 8 - Leases

Note 8 - Leases	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note 8: 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, Restrictions and Covenants Of the Company’s six March 31, 2024, four not not not None none The contracts in which the Company is lessee are with parties external to the Company and not March 31, 2024 December 31, 2023 Lease liability $ 1,048 $ 1,127 Right-of-use asset $ 1,018 $ 1,096 Weighted average remaining lease term (in years) 4.22 4.39 Weighted average discount rate 3.28 % 3.29 % For the Three Months Ended March 31, Lease Expense 2024 2023 Operating lease expense $ 89 $ 92 Short-term lease expense 5 1 Total lease expense $ 94 $ 93 Cash paid for amounts included in lease liabilities $ 95 $ 94 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ - The following table presents a maturity schedule of undiscounted cash flows that contribute to the lease liability: Undiscounted Cash Flow for the Period As of March 31, 2024 Twelve months ending March 31, 2025 $ 340 Twelve months ending March 31, 2026 234 Twelve months ending March 31, 2027 203 Twelve months ending March 31, 2028 188 Twelve months ending March 31, 2029 158 Thereafter - Total undiscounted cash flows $ 1,123 Less: discount (75 ) Lease liability $ 1,048

Note 9 - Stock Based Compensati

Note 9 - Stock Based Compensation	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 9: The Company’s 2023 May 9, 2023. may March 10, 2023 8 June 7, 2023. Restricted Stock Awards Under the Plan, part of the June December 2023 three March 31, 2024 Shares Weighted-Average Grant Date Fair Value Nonvested at January 1, 2024 4,095 $ 30.73 Granted - - Nonvested at March 31, 2024 4,095 $ 30.73 The RSAs have a one three March 31, 2024. March 31, 2024, 9

Note 10 - Earnings Per Share

Note 10 - Earnings Per Share	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 10: The factors used in the earnings per share computation for the periods indicated are presented below: For the Three Months Ended March 31, 2024 2023 Net Income (Numerator) Common Shares 1 (Denominator) Per Share Net Income (Numerator) Common Shares 1 (Denominator) Per Share Basic earnings per common share $ 2,174 5,889,687 $ 0.37 $ 4,531 5,889,687 $ 0.77 Dilutive shares for restricted stock awards: 1,964 - Diluted earnings per common share $ 2,174 5,891,651 $ 0.37 $ 4,531 5,889,687 $ 0.77 ( 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 three March 31, 2024 March 31, 2023.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]	Item 5. Other Information None
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

Note 2 - Loans and Allowance _2

Note 2 - Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, 2024 December 31, 2023 Real estate construction $ 61,486 $ 55,379 Consumer real estate 244,946 241,564 Commercial real estate 414,615 419,130 Commercial non real estate 41,835 41,555 Public sector and IDA 59,742 60,551 Consumer non real estate 41,467 38,996 Gross loans $ 864,091 $ 857,175 Less unearned income and deferred fees and costs (543 ) (529 ) Loans, net of unearned income and deferred fees and costs $ 863,548 $ 856,646 Allowance for credit losses on loans (9,055 ) (9,094 ) Total loans, net $ 854,493 $ 847,552
Financing Receivable, Past Due [Table Text Block]	March 31, 2024 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 $ 11,603 $ - $ - $ - $ 11,603 $ - Construction, other 49,883 - - - 49,883 - Consumer Real Estate Equity line 17,404 112 - - 17,516 - Residential closed-end first liens 129,086 598 121 - 129,805 121 Residential closed-end junior liens 4,932 11 - - 4,943 - Investor-owned residential real estate 92,605 77 - - 92,682 - Commercial Real Estate Multifamily residential real estate 118,309 - - - 118,309 - Commercial real estate owner-occupied 112,302 147 - 2,381 114,830 225 Commercial real estate, other 181,476 - - - 181,476 - Commercial Non Real Estate Commercial and industrial 41,564 22 39 210 41,835 39 Public Sector and IDA States and political subdivisions 59,742 - - - 59,742 - Consumer Non-Real Estate Credit cards 4,664 1 1 - 4,666 1 Automobile 12,817 104 - - 12,921 - Other consumer loans 23,762 117 1 - 23,880 1 Total $ 860,149 $ 1,189 $ 162 $ 2,591 $ 864,091 $ 387 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 March 31, 2024 December 31, 2023 With No Allowance With an Allowance Total With No Allowance With an Allowance Total Commercial Real Estate Commercial real estate owner-occupied $ 2,156 $ 225 $ 2,381 $ 2,177 $ 231 $ 2,408 Commercial Non Real Estate Commercial and industrial - 210 210 - 221 221 Total $ 2,156 $ 435 $ 2,591 $ 2,177 $ 452 $ 2,629
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Activity in the Allowance for Credit Losses on Loans for the Three Months Ended March 31, 2024 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, 2023 $ 408 $ 3,162 $ 3,576 $ 682 $ 333 $ 583 $ 350 $ 9,094 Charge-offs - - - - - (109 ) - (109 ) Recoveries - - 16 2 - 47 - 65 Provision for (recovery of) credit losses (59 ) (194 ) 264 (37 ) (12 ) 12 31 5 Balance, March 31, 2024 $ 349 $ 2,968 $ 3,856 $ 647 $ 321 $ 533 $ 381 $ 9,055 Activity in the Allowance for Credit Losses on Loans for the Three Months Ended March 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 - - - (12 ) - (80 ) - (92 ) Recoveries - 102 12 2 - 57 - 173 Provision for (recovery of) credit losses 22 (260 ) 20 58 (10 ) - 172 2 Balance, March 31, 2023 $ 451 $ 3,302 $ 4,374 $ 1,194 $ 294 $ 555 $ 480 $ 10,650 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 Provision for (recovery of) 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
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	Allowance for Credit Losses on Loans by Segment and Evaluation Method March 31, 2024 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 $ 362 $ 129 $ - $ 3 $ - $ 568 Collectively evaluated 349 2,894 3,494 518 321 530 381 8,487 Total $ 349 $ 2,968 $ 3,856 $ 647 $ 321 $ 533 $ 381 $ 9,055 Allowance for Credit Losses on Loans by Segment and Evaluation Method 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 March 31, 2024 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non-Real Estate Total Individually evaluated $ 280 $ 1,237 $ 8,777 $ 237 $ - $ 34 $ 10,565 Collectively evaluated 61,206 243,709 405,838 41,598 59,742 41,433 853,526 Total $ 61,486 $ 244,946 $ 414,615 $ 41,835 $ 59,742 $ 41,467 $ 864,091 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
Financing Receivable, Collateral Dependent Loan [Table Text Block]	March 31, 2024 December 31, 2023 Balance Related Allowance Balance Related Allowance Consumer Real Estate Residential closed-end first lien $ 121 $ - $ 7 - Commercial Real Estate Commercial real estate, owner occupied 2,156 - 2,177 - Total Loans $ 2,277 $ - $ 2,184 $ -
Financing Receivable Credit Quality Indicators [Table Text Block]	Revolving Term Loans Amortized Cost Basis by Origination Year Loans Converted March 31, 2024 Prior 2020 2021 2022 2023 2024 Revolving to Term Total Construction, residential Pass $ - $ - $ - $ 1,216 $ 6,251 $ 219 $ 3,917 $ - $ 11,603 Construction, other Pass $ 3,748 $ 1,280 $ 9,211 $ 21,615 $ 5,596 $ 4,960 $ 3,193 $ - $ 49,603 Classified - - 280 - - - - - 280 Total $ 3,748 $ 1,280 $ 9,491 $ 21,615 $ 5,596 $ 4,960 $ 3,193 $ - $ 49,883 Equity lines Pass $ 76 $ - $ - $ - $ - $ - $ 17,303 $ 47 $ 17,426 Classified - - - - - - 90 - 90 Total $ 76 $ - $ - $ - $ - $ - $ 17,393 $ 47 $ 17,516 Residential closed-end first liens Pass $ 37,144 $ 14,707 $ 30,734 $ 30,468 $ 12,135 $ 4,170 $ - $ - $ 129,358 Classified 447 - - - - - - - 447 Total $ 37,591 $ 14,707 $ 30,734 $ 30,468 $ 12,135 $ 4,170 $ - $ - $ 129,805 Residential closed-end junior liens Pass $ 1,602 $ - $ 169 $ 1,379 $ 1,343 $ 450 $ - $ - $ 4,943 Investor-owned residential real estate Pass $ 28,964 $ 23,228 $ 18,699 $ 13,248 $ 4,586 $ 1,323 $ 1,934 $ - $ 91,982 Classified 700 - - - - - - - 700 Total $ 29,664 $ 23,228 $ 18,699 $ 13,248 $ 4,586 $ 1,323 $ 1,934 $ - $ 92,682 Multifamily residential real estate Pass $ 41,102 $ 2,130 $ 40,354 $ 25,647 $ 8,894 $ 62 $ 120 $ - $ 118,309 Commercial real estate, owner occupied Pass $ 51,271 $ 23,144 $ 4,425 $ 16,640 $ 8,027 $ 120 $ 2,426 $ - $ 106,053 Special mention 6,396 - - - - - - - 6,396 Classified 2,381 - - - - - - - 2,381 Total $ 60,048 $ 23,144 $ 4,425 $ 16,640 $ 8,027 $ 120 $ 2,426 $ - $ 114,830 Commercial real estate, other Pass $ 89,181 $ 18,902 $ 35,780 $ 22,476 $ 13,216 $ 1,215 $ 706 $ - $ 181,476 Commercial and industrial Pass $ 6,338 $ 944 $ 12,299 $ 6,475 $ 6,164 $ 2,139 $ 7,239 $ - $ 41,598 Classified 210 - - 7 - - 20 - 237 Total $ 6,548 $ 944 $ 12,299 $ 6,482 $ 6,164 $ 2,139 $ 7,259 $ - $ 41,835 Public sector and IDA Pass $ 20,432 $ 231 $ 26,375 $ 6,242 $ 6,462 $ - $ - $ - $ 59,742 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,666 $ - $ 4,666 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 22 $ - $ 22 Automobile Pass $ 182 $ 437 $ 1,388 $ 2,375 $ 6,448 $ 2,091 $ - $ - $ 12,921 Other consumer Pass $ 367 $ 691 $ 1,673 $ 5,109 $ 10,180 $ 5,092 $ 734 $ - $ 23,846 Special Mention - - - - 15 11 - - 26 Classified - - - - - 8 - - 8 Total $ 367 $ 691 $ 1,673 $ 5,109 $ 10,195 $ 5,111 $ 734 $ - $ 23,880 YTD gross charge-offs $ - $ 4 $ - $ 13 $ 46 $ 24 $ - $ - $ 87 Total Loans Pass $ 280,407 $ 85,694 $ 181,107 $ 152,890 $ 89,302 $ 21,841 $ 42,238 $ 47 $ 853,526 Special Mention 6,396 - - - 15 11 - - 6,422 Classified 3,738 - 280 7 - 8 110 - 4,143 Total $ 290,541 $ 85,694 $ 181,387 $ 152,897 $ 89,317 $ 21,860 $ 42,348 $ 47 $ 864,091 YTD gross charge-offs $ - $ 4 $ - $ 13 $ 46 $ 24 $ 22 $ - $ 109 Revolving Term Loans Amortized Cost Basis by Origination Year Loans Converted December 31, 2023 Prior 2019 2020 2021 2022 2023 Revolving 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
Financing Receivable, Modified [Table Text Block]	March 31, 2024 Amortized Cost Basis % of Class Type of Modification Financial Effect Commercial Real Estate Commercial real estate owner-occupied $ 6,396 5.57 % Interest only payments 6 months of interest only payments, re-amortization of the balance to contractual maturity. Commercial Non real estate Commercial and industrial $ 7 0.02 % Term extension Renewal of single-payment note for an additional 3 months.
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, 2023 $ 259 Recovery of credit losses (15 ) Balance, March 31, 2024 $ 244 Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2022 $ 35 Adoption of ASU 2016-13 207 Recovery of credit losses - Balance, March 31, 2023 $ 242

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	March 31, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 352,961 $ - $ 44,972 $ 307,989 States and political subdivisions 179,343 - 31,344 147,999 Mortgage-backed securities 153,572 6 6,255 147,323 Corporate debt securities 6,505 - 817 5,688 U.S. treasury 997 - 28 969 Total securities available for sale $ 693,378 $ 6 $ 83,416 $ 609,968 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
Investments Classified by Contractual Maturity Date [Table Text Block]	March 31, 2024 Amortized Cost Fair Value Available for Sale: Due in one year or less $ 13,749 $ 13,419 Due after one year through five years 180,902 166,926 Due after five years through ten years 273,587 232,336 Due after ten years 225,140 197,287 Total securities available for sale $ 693,378 $ 609,968
Gain (Loss) on Securities [Table Text Block]	March 31, 2024 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. government agencies and corporations $ - $ - $ 307,989 $ 44,972 State and political subdivisions 1,507 126 146,492 31,218 Mortgage-backed securities 583 1 135,492 6,254 Corporate debt securities - - 5,688 817 U.S. treasury - - 969 28 Total temporarily impaired securities $ 2,090 $ 127 $ 596,630 $ 83,289 December 31, 2023 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss 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

Note 4 - Defined Benefit Plan (

Note 4 - Defined Benefit Plan (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	Pension Benefits Three Months Ended March 31, 2024 2023 Service cost $ 261 $ 203 Interest cost 302 273 Expected return on plan assets (608 ) (518 ) Amortization of prior service cost - - Recognized net actuarial loss 33 17 Net periodic benefit income $ (12 ) $ (25 )

Note 5 - Fair Value Measureme_2

Note 5 - Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurement Using March 31, 2024 Balance Level 1 Level 2 Level 3 U.S. government agencies and corporations $ 307,989 $ - $ 307,989 $ - States and political subdivisions 147,999 - 147,999 - Mortgage-backed securities 147,323 - 147,323 - Corporate debt securities 5,688 - 5,688 - U.S. treasury 969 - 969 - Total securities available for sale $ 609,968 $ - $ 609,968 $ - 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 March 31, 2024 Balance (Level 1) (Level 2) (Level 3) Interest rate loan contract $ 2 $ - $ - $ 2 Forward sale commitment $ (2 ) $ - $ - $ (2 ) March 31, 2024 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 102.61% - 103.05% (102.76%) (2) Forward sale commitment Market approach Current reference price 102.61% - 103.05% (102.76%) (2) 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% (3) Forward sale commitment Market approach Current reference price 101.60% - 102.64% (101.98%) (2)
Fair Value, by Balance Sheet Grouping [Table Text Block]	Estimated Fair Value March 31, 2024 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 10,656 $ 10,656 $ - $ - Interest-bearing deposits 110,527 110,527 - - Securities available for sale 609,968 - 609,968 - Restricted stock, at cost 1,248 - 1,248 - Loans, net 854,493 - - 790,540 Accrued interest receivable 6,478 - 6,478 - Bank-owned life insurance 43,840 - 43,840 - Interest rate loan contract 2 - - 2 Financial liabilities: Deposits $ 1,537,808 $ - $ 1,297,907 $ 241,538 Accrued interest payable 2,514 - 2,514 - Forward sale commitment 2 - - 2 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

Note 6 - Components of Accumu_2

Note 6 - Components of Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Net Unrealized Loss on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance at December 31, 2022 $ (81,421 ) $ (2,345 ) $ (83,766 ) Unrealized holding gain on available for sale securities, net of tax of $ 3,121 11,738 - 11,738 Reclassification adjustment, net of tax of ($3) (9 ) - (9 ) Balance at March 31, 2023 $ (69,692 ) $ (2,345 ) $ (72,037 ) Balance at December 31, 2023 $ (62,556 ) $ (2,310 ) $ (64,866 ) Unrealized holding loss on available for sale securities, net of tax of ($887) (3,338 ) - (3,338 ) Balance at March 31, 2024 $ (65,894 ) $ (2,310 ) $ (68,204 )

Note 7 - Revenue Recognition (T

Note 7 - Revenue Recognition (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months March 31, Noninterest Income 2024 2023 In-scope of Topic 606: Service charges on deposit accounts $ 675 $ 592 Other service charges and fees 46 53 Credit and debit card fees, net 374 467 Trust income 503 445 Insurance and Investment (included within Other Income in the Consolidated Statements of Income) 305 285 Noninterest Income (in-scope of Topic 606) $ 1,903 $ 1,842 Noninterest Income (out-of-scope of Topic 606) 296 357 Total noninterest income $ 2,199 $ 2,199

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Lease, Cost [Table Text Block]	March 31, 2024 December 31, 2023 Lease liability $ 1,048 $ 1,127 Right-of-use asset $ 1,018 $ 1,096 Weighted average remaining lease term (in years) 4.22 4.39 Weighted average discount rate 3.28 % 3.29 % For the Three Months Ended March 31, Lease Expense 2024 2023 Operating lease expense $ 89 $ 92 Short-term lease expense 5 1 Total lease expense $ 94 $ 93 Cash paid for amounts included in lease liabilities $ 95 $ 94 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ -
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	Undiscounted Cash Flow for the Period As of March 31, 2024 Twelve months ending March 31, 2025 $ 340 Twelve months ending March 31, 2026 234 Twelve months ending March 31, 2027 203 Twelve months ending March 31, 2028 188 Twelve months ending March 31, 2029 158 Thereafter - Total undiscounted cash flows $ 1,123 Less: discount (75 ) Lease liability $ 1,048

Note 9 - Stock Based Compensa_2

Note 9 - Stock Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Nonvested Share Activity [Table Text Block]	Shares Weighted-Average Grant Date Fair Value Nonvested at January 1, 2024 4,095 $ 30.73 Granted - - Nonvested at March 31, 2024 4,095 $ 30.73

Note 10 - Earnings Per Share (T

Note 10 - Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended March 31, 2024 2023 Net Income (Numerator) Common Shares 1 (Denominator) Per Share Net Income (Numerator) Common Shares 1 (Denominator) Per Share Basic earnings per common share $ 2,174 5,889,687 $ 0.37 $ 4,531 5,889,687 $ 0.77 Dilutive shares for restricted stock awards: 1,964 - Diluted earnings per common share $ 2,174 5,891,651 $ 0.37 $ 4,531 5,889,687 $ 0.77

Note 2 - Loans and Allowance _3

Note 2 - Loans and Allowance for Credit Losses (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023	Dec. 31, 2023 USD ($)
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	$ 3,035		$ 3,032
Financing Receivable, Modifications, Number of Contracts	2	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Mortgage Loans in Process of Foreclosure, Amount	$ 126		$ 7

Note 2 - Loans and Allowance _4

Note 2 - Loans and Allowance for Credit Losses - Loan Portfolio, Excluding Loans Held for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Gross loans	$ 864,091	$ 857,175
Less unearned income and deferred fees and costs	(543)	(529)
Loans, net of unearned income and deferred fees and costs	863,548	856,646
Allowance for credit losses on loans	(9,055)	(9,094)	$ (10,650)	$ (8,225)
Total loans, net	854,493	847,552
Real Estate Construction Portfolio Segment[Member]
Gross loans	61,486	55,379
Allowance for credit losses on loans	(349)	(408)	(451)	(450)
Consumer Real Estate Portfolio Segment [Member]
Gross loans	244,946	241,564
Allowance for credit losses on loans	(2,968)	(3,162)	(3,302)	(2,199)
Commercial Real Estate Portfolio Segment [Member]
Gross loans	414,615	419,130
Allowance for credit losses on loans	(3,856)	(3,576)	(4,374)	(3,642)
Commercial Non Real Estate Segment [Member]
Gross loans	41,835	41,555
Allowance for credit losses on loans	(647)	(682)	(1,194)	(930)
Public Sector and IDA Portfolio Segment[Member]
Gross loans	59,742	60,551
Allowance for credit losses on loans	(321)	(333)	(294)	(319)
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans	41,467	38,996
Allowance for credit losses on loans	$ (533)	$ (583)	$ (555)	$ (506)

Note 2 - Loans and Allowance _5

Note 2 - Loans and Allowance for Credit Losses - Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023
Loans, gross		$ 864,091	$ 857,175
Loans 90 or more days past due and accruing		162	188
Nonaccruals		2,591	2,629
Nonaccruals, no allowance		2,156	2,177
Nonaccruals, with allowance		435	452
Financial Asset, Not Past Due [Member]
Loans, gross		860,149	852,712
Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	1,189	1,646
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		387	419
Real Estate Construction Portfolio Segment[Member]
Loans, gross		61,486	55,379
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Loans, gross		11,603	13,442
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		11,603	13,442
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		0	0
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member]
Loans, gross		49,883	41,937
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		49,883	41,916
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	0	21
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member]
Loans, gross		17,516	17,282
Commercial Real Estate Portfolio Segment [Member]
Loans, gross		414,615	419,130
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans, gross		114,830	117,221
Loans 90 or more days past due and accruing		0	0
Nonaccruals		2,381	2,408
Nonaccruals, no allowance		2,156	2,177
Nonaccruals, with allowance		225	231
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		112,302	114,477
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	147	336
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		225	231
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Loans, gross		118,309	119,247
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		118,309	119,052
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		0	195
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans, gross		181,476	182,662
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		181,476	182,662
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Commercial Non Real Estate Segment [Member]
Loans, gross		41,835	41,555
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans, gross		41,835	41,555
Loans 90 or more days past due and accruing		39	28
Nonaccruals		210	221
Nonaccruals, no allowance		0	0
Nonaccruals, with allowance		210	221
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		41,564	41,249
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	22	57
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		39	28
Consumer Real Estate Portfolio Segment [Member]
Loans, gross		244,946	241,564
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Loans, gross		17,516	17,282
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		17,404	17,178
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		112	104
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans, gross		129,805	125,679
Loans 90 or more days past due and accruing		121	131
Nonaccruals		0	0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		129,086	124,886
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	598	662
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		121	131
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Loans, gross		4,943	5,039
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		4,932	5,027
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		11	12
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Loans, gross		92,682	93,564
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		92,605	93,564
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	77	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Public Sector and IDA Portfolio Segment[Member]
Loans, gross		59,742	60,551
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Public Sector and IDA Portfolio Segment[Member] | Financial Asset, Not Past Due [Member]
Loans, gross		59,742	60,551
Public Sector and IDA Portfolio Segment[Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		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
Consumer Non Real Estate Portfolio Segment [Member]
Loans, gross		41,467	38,996
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans, gross		4,666	4,668
Loans 90 or more days past due and accruing		1	3
Nonaccruals		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		4,664	4,648
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	1	17
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		1	3
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans, gross		12,921	12,261
Loans 90 or more days past due and accruing		0	0
Nonaccruals		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		12,817	12,126
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	104	135
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans, gross		23,880	22,067
Loans 90 or more days past due and accruing		1	26
Nonaccruals		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		23,762	21,934
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	117	107
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		$ 1	$ 26
[1]Includes accruing and nonaccrual loans past due 90 days or more.

Note 2 - Loans and Allowance _6

Note 2 - Loans and Allowance for Credit Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Balance	$ 9,094	$ 8,225	$ 8,225
Charge-offs	(109)	(92)	(478)
Recoveries	65	173	283
Recovery of credit losses	5	2	(1,278)
Balance	9,055	10,650	9,094
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		2,342	2,342
Real Estate Construction Portfolio Segment[Member]
Balance	408	450	450
Charge-offs	0	0	0
Recoveries	0	0	0
Recovery of credit losses	(59)	22	(21)
Balance	349	451	408
Real Estate Construction Portfolio Segment[Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		(21)	(21)
Consumer Real Estate Portfolio Segment [Member]
Balance	3,162	2,199	2,199
Charge-offs	0	0	(17)
Recoveries	0	102	103
Recovery of credit losses	(194)	(260)	(384)
Balance	2,968	3,302	3,162
Consumer Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		1,261	1,261
Commercial Real Estate Portfolio Segment [Member]
Balance	3,576	3,642	3,642
Charge-offs	0	0	0
Recoveries	16	12	45
Recovery of credit losses	264	20	(811)
Balance	3,856	4,374	3,576
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		700	700
Commercial Non Real Estate Segment [Member]
Balance	682	930	930
Charge-offs	0	(12)	(214)
Recoveries	2	2	6
Recovery of credit losses	(37)	58	(256)
Balance	647	1,194	682
Commercial Non Real Estate Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		216	216
Public Sector and IDA Portfolio Segment[Member]
Balance	333	319	319
Charge-offs	0	0	0
Recoveries	0	0	0
Recovery of credit losses	(12)	(10)	29
Balance	321	294	333
Public Sector and IDA Portfolio Segment[Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		(15)	(15)
Consumer Non Real Estate Portfolio Segment [Member]
Balance	583	506	506
Charge-offs	(109)	(80)	(247)
Recoveries	47	57	129
Recovery of credit losses	12	0	123
Balance	533	555	583
Consumer Non Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		72	72
Unallocated Financing Receivables [Member]
Balance	350	179	179
Charge-offs	0	0	0
Recoveries	0	0	0
Recovery of credit losses	31	172	42
Balance	$ 381	480	350
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		$ 129	$ 129

Note 2 - Loans and Allowance _7

Note 2 - Loans and Allowance for Credit Losses - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Allowance for loan losses	$ 9,055	$ 9,094	$ 10,650	$ 8,225
Loans, individually evaluated	10,565	10,544
Loans, collectively evaluated	853,526	846,631
Loans	864,091	857,175
Individually Evaluated [Member]
Allowance for loan losses	568	572
Collectively Evaluated [Member]
Allowance for loan losses	8,487	8,522
Real Estate Construction Portfolio Segment[Member]
Allowance for loan losses	349	408	451	450
Loans, individually evaluated	280	286
Loans, collectively evaluated	61,206	55,093
Loans	61,486	55,379
Real Estate Construction Portfolio Segment[Member] | Individually Evaluated [Member]
Allowance for loan losses	0	0
Real Estate Construction Portfolio Segment[Member] | Collectively Evaluated [Member]
Allowance for loan losses	349	408
Consumer Real Estate Portfolio Segment [Member]
Allowance for loan losses	2,968	3,162	3,302	2,199
Loans, individually evaluated	1,237	1,183
Loans, collectively evaluated	243,709	240,381
Loans	244,946	241,564
Consumer Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	74	74
Consumer Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	2,894	3,088
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses	3,856	3,576	4,374	3,642
Loans, individually evaluated	8,777	8,805
Loans, collectively evaluated	405,838	410,325
Loans	414,615	419,130
Commercial Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	362	367
Commercial Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	3,494	3,209
Commercial Non Real Estate Segment [Member]
Allowance for loan losses	647	682	1,194	930
Loans, individually evaluated	237	227
Loans, collectively evaluated	41,598	41,328
Loans	41,835	41,555
Commercial Non Real Estate Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	129	126
Commercial Non Real Estate Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	518	556
Public Sector and IDA Portfolio Segment[Member]
Allowance for loan losses	321	333	294	319
Loans, individually evaluated	0	0
Loans, collectively evaluated	59,742	60,551
Loans	59,742	60,551
Public Sector and IDA Portfolio Segment[Member] | Individually Evaluated [Member]
Allowance for loan losses	0	0
Public Sector and IDA Portfolio Segment[Member] | Collectively Evaluated [Member]
Allowance for loan losses	321	333
Consumer Non Real Estate Portfolio Segment [Member]
Allowance for loan losses	533	583	555	506
Loans, individually evaluated	34	43
Loans, collectively evaluated	41,433	38,953
Loans	41,467	38,996
Consumer Non Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	3	5
Consumer Non Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	530	578
Unallocated Financing Receivables [Member]
Allowance for loan losses	381	350	$ 480	$ 179
Unallocated Financing Receivables [Member] | Individually Evaluated [Member]
Allowance for loan losses	0	0
Unallocated Financing Receivables [Member] | Collectively Evaluated [Member]
Allowance for loan losses	$ 381	$ 350

Note 2 - Loans and Allowance _8

Note 2 - Loans and Allowance for Credit Losses - Details of the Collateral Dependent Loan (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Total Loans	$ 863,548	$ 856,646
Related allowance	9,055	9,094	$ 10,650	$ 8,225
Collateral Pledged [Member]
Total Loans	2,277	2,184
Related allowance	0	0
Consumer Real Estate Portfolio Segment [Member]
Related allowance	2,968	3,162	3,302	2,199
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Collateral Pledged [Member]
Total Loans	121	7
Related allowance	0	0
Commercial Real Estate Portfolio Segment [Member]
Related allowance	3,856	3,576	$ 4,374	$ 3,642
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Total Loans	2,156
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Collateral Pledged [Member]
Total Loans	2,156	2,177
Related allowance	$ 0	$ 0

Note 2 - Loans and Allowance _9

Note 2 - Loans and Allowance for Credit Losses - Loans by Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Originated more than five years prior	$ 290,541		$ 248,956
Originated five years prior	85,694		47,892
Originated four years prior	181,387		87,156
Originated three years prior	152,897		188,187
Originated two years prior	89,317		152,982
Originated current year	21,860		90,857
Revolving	42,348		41,032
Revolving loans converted to term	47		113
Gross loans	864,091		857,175
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	109	$ 92	478
Pass [Member]
Originated more than five years prior	280,407		238,797
Originated five years prior	85,694		47,892
Originated four years prior	181,107		87,156
Originated three years prior	152,890		187,901
Originated two years prior	89,302		152,964
Originated current year	21,841		90,825
Revolving	42,238		40,983
Revolving loans converted to term	47		113
Gross loans	853,526		846,631
Classified Excluding Impaired [Member]
Originated more than five years prior	3,738		3,763
Originated five years prior	0		0
Originated four years prior	280		0
Originated three years prior	7		286
Originated two years prior	0		18
Originated current year	8		15
Revolving	110		49
Revolving loans converted to term	0		0
Gross loans	4,143		4,131
Special Mention [Member]
Originated more than five years prior	6,396		6,396
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	15		0
Originated current year	11		17
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	6,422		6,413
Real Estate Construction Portfolio Segment[Member]
Gross loans	61,486		55,379
Loans charged against the allowance for credit losses	0	0	0
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member] | Pass [Member]
Originated more than five years prior	0		0
Originated five years prior	0		0
Originated four years prior	0		246
Originated three years prior	1,216		158
Originated two years prior	6,251		3,275
Originated current year	219		5,157
Revolving	3,917		4,606
Revolving loans converted to term	0		0
Gross loans	11,603		13,442
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member]
Originated more than five years prior	3,748		2,741
Originated five years prior	1,280		1,094
Originated four years prior	9,491		1,305
Originated three years prior	21,615		12,957
Originated two years prior	5,596		17,397
Originated current year	4,960		4,884
Revolving	3,193		1,559
Revolving loans converted to term	0		0
Gross loans	49,883		41,937
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Pass [Member]
Originated more than five years prior	3,748		2,741
Originated five years prior	1,280		1,094
Originated four years prior	9,211		1,305
Originated three years prior	21,615		12,671
Originated two years prior	5,596		17,397
Originated current year	4,960		4,884
Revolving	3,193		1,559
Revolving loans converted to term	0		0
Gross loans	49,603		41,651
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0		0
Originated five years prior	0		0
Originated four years prior	280		0
Originated three years prior	0		286
Originated two years prior	0		0
Originated current year	0		0
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	280		286
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member]
Originated more than five years prior	76		51
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	17,393		17,231
Revolving loans converted to term	47		0
Gross loans	17,516		17,282
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0		0
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	90		49
Revolving loans converted to term	0		0
Gross loans	90		49
Consumer Real Estate Portfolio Segment [Member]
Gross loans	244,946		241,564
Loans charged against the allowance for credit losses	0	0	17
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Gross loans	17,516		17,282
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Pass [Member]
Originated more than five years prior	76		51
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	17,303		17,182
Revolving loans converted to term	47		0
Gross loans	17,426		17,233
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Originated more than five years prior	37,591		32,830
Originated five years prior	14,707		5,806
Originated four years prior	30,734		14,634
Originated three years prior	30,468		31,414
Originated two years prior	12,135		29,787
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	129,805		125,679
Originated more than five years prior, write-offs	0		0
Originated five years prior, write offs	0		0
Originated four years prior, write offs	0		17
Originated three years prior, write offs	0		0
YTD gross charge-offs	0		0
Originated current year, write offs	0		0
Revolving, write offs	22		0
Revolving loans converted to term, write offs	0		0
Loans charged against the allowance for credit losses	22		17
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Pass [Member]
Originated more than five years prior	37,144		32,404
Originated five years prior	14,707		5,806
Originated four years prior	30,734		14,634
Originated three years prior	30,468		31,414
Originated two years prior	12,135		29,787
Originated current year	4,170		11,208
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	129,358		125,253
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	447		426
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	447		426
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Gross loans	4,943		5,039
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Pass [Member]
Originated more than five years prior	1,602		1,499
Originated five years prior	0		116
Originated four years prior	169		0
Originated three years prior	1,379		172
Originated two years prior	1,343		1,387
Originated current year	450		1,850
Revolving	0		0
Revolving loans converted to term	0		15
Gross loans	4,943		5,039
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Originated more than five years prior	29,664		25,264
Originated five years prior	23,228		5,162
Originated four years prior	18,699		23,649
Originated three years prior	13,248		19,062
Originated two years prior	4,586		14,166
Originated current year	1,323		4,880
Revolving	1,934		1,283
Revolving loans converted to term	0		98
Gross loans	92,682		93,564
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Pass [Member]
Originated more than five years prior	28,964		24,556
Originated five years prior	23,228		5,162
Originated four years prior	18,699		23,649
Originated three years prior	13,248		19,062
Originated two years prior	4,586		14,166
Originated current year	1,323		4,880
Revolving	1,934		1,283
Revolving loans converted to term	0		98
Gross loans	91,982		92,856
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	700		708
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	700		708
Commercial Real Estate Portfolio Segment [Member]
Gross loans	414,615		419,130
Loans charged against the allowance for credit losses	0	0	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Gross loans	118,309		119,247
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Pass [Member]
Originated more than five years prior	41,102		40,092
Originated five years prior	2,130		1,806
Originated four years prior	40,354		2,148
Originated three years prior	25,647		40,544
Originated two years prior	8,894		25,681
Originated current year	62		8,850
Revolving	120		126
Revolving loans converted to term	0		0
Gross loans	118,309		119,247
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Originated more than five years prior	60,048		50,378
Originated five years prior	23,144		11,091
Originated four years prior	4,425		23,407
Originated three years prior	16,640		4,792
Originated two years prior	8,027		16,720
Originated current year	120		7,914
Revolving	2,426		2,919
Revolving loans converted to term	0		0
Gross loans	114,830		117,221
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Pass [Member]
Originated more than five years prior	51,271		41,573
Originated five years prior	23,144		11,091
Originated four years prior	4,425		23,407
Originated three years prior	16,640		4,792
Originated two years prior	8,027		16,720
Originated current year	120		7,914
Revolving	2,426		2,919
Revolving loans converted to term	0		0
Gross loans	106,053		108,416
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	2,381		2,409
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	2,381		2,409
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member]
Originated more than five years prior	6,396		6,396
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	6,396		6,396
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Gross loans	181,476		182,662
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Pass [Member]
Originated more than five years prior	89,181		68,889
Originated five years prior	18,902		21,841
Originated four years prior	35,780		19,098
Originated three years prior	22,476		36,157
Originated two years prior	13,216		22,697
Originated current year	1,215		13,279
Revolving	706		701
Revolving loans converted to term	0		0
Gross loans	181,476		182,662
Commercial Non Real Estate Segment [Member]
Gross loans	41,835		41,555
Loans charged against the allowance for credit losses	0	12	214
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Originated more than five years prior	6,548		6,224
Originated five years prior	944		438
Originated four years prior	12,299		1,060
Originated three years prior	6,482		12,667
Originated two years prior	6,164		6,961
Originated current year	2,139		6,938
Revolving	7,259		7,267
Revolving loans converted to term	0		0
Gross loans	41,835		41,555
Originated more than five years prior, write-offs	0		0
Originated five years prior, write offs	4		12
Originated four years prior, write offs	0		0
Originated three years prior, write offs	13		0
YTD gross charge-offs	46		0
Originated current year, write offs	24		12
Revolving, write offs	0		190
Revolving loans converted to term, write offs	0		0
Loans charged against the allowance for credit losses	87		214
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Pass [Member]
Originated more than five years prior	6,338		6,004
Originated five years prior	944		438
Originated four years prior	12,299		1,060
Originated three years prior	6,475		12,667
Originated two years prior	6,164		6,954
Originated current year	2,139		6,938
Revolving	7,239		7,267
Revolving loans converted to term	0		0
Gross loans	41,598		41,328
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	210		220
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	7		0
Originated two years prior	0		7
Originated current year	0		0
Revolving	20		0
Revolving loans converted to term	0		0
Gross loans	237		227
Public Sector and IDA Portfolio Segment[Member]
Gross loans	59,742		60,551
Loans charged against the allowance for credit losses	0	0	0
Public Sector and IDA Portfolio Segment[Member] | Pass [Member]
Originated more than five years prior	20,432		20,817
Originated five years prior	231		0
Originated four years prior	26,375		235
Originated three years prior	6,242		26,702
Originated two years prior	6,462		6,335
Originated current year	0		6,462
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	59,742		60,551
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans	41,467		38,996
Loans charged against the allowance for credit losses	109	$ 80	247
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Gross loans	4,666		4,668
Originated more than five years prior, write-offs	0		0
Originated five years prior, write offs	4		0
Originated four years prior, write offs	0		0
Originated three years prior, write offs	13		0
YTD gross charge-offs	46		0
Originated current year, write offs	24		0
Revolving, write offs	22		39
Revolving loans converted to term, write offs	0		0
Loans charged against the allowance for credit losses	109		39
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Pass [Member]
Originated more than five years prior	0		0
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	4,666		4,668
Revolving loans converted to term	0		0
Gross loans	4,666		4,668
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Gross loans	12,921		12,261
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	182		78
Originated five years prior	437		204
Originated four years prior	1,388		563
Originated three years prior	2,375		1,619
Originated two years prior	6,448		2,750
Originated current year	2,091		7,047
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	12,921		12,261
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Originated more than five years prior	367		93
Originated five years prior	691		334
Originated four years prior	1,673		811
Originated three years prior	5,109		1,943
Originated two years prior	10,195		5,826
Originated current year	5,111		12,388
Revolving	734		672
Revolving loans converted to term	0		0
Gross loans	23,880		22,067
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	367		93
Originated five years prior	691		334
Originated four years prior	1,673		811
Originated three years prior	5,109		1,943
Originated two years prior	10,180		5,815
Originated current year	5,092		12,356
Revolving	734		672
Revolving loans converted to term	0		0
Gross loans	23,846		22,024
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0		0
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	0		11
Originated current year	8		15
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	8		26
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Special Mention [Member]
Originated more than five years prior	0		0
Originated five years prior	0		0
Originated four years prior	0		0
Originated three years prior	0		0
Originated two years prior	15		0
Originated current year	11		17
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	$ 26		$ 17

Note 2 - Loans and Allowance_10

Note 2 - Loans and Allowance for Credit Losses - Financing Receivable, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Interest Only Payments [Member]
amortized cost	$ 6,396
Percentage	5.57%
Commercial real estate owner-occupied (Month)	6 months
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Extended Maturity [Member]
amortized cost	$ 7
Percentage	0.02%
Commercial and industrial (Month)	3 months

Note 2 - Loans and Allowance_11

Note 2 - Loans and Allowance for Credit Losses - Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Balance	$ 9,094	$ 8,225	$ 8,225
Recovery of credit losses	5	2	(1,278)
Balance	9,055	10,650	9,094
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		2,342	2,342
Unfunded Loan Commitment [Member]
Balance	259	35	35
Recovery of credit losses	(15)	0
Balance	$ 244	242	259
Unfunded Loan Commitment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		$ 207	$ 207

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) Pure in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 0		$ 0
Interest Receivable on Securities	3,444		3,281
Deferred Tax Asset, Debt Securities, Available-for-Sale, Unrealized Loss	$ 17,516		$ 16,629
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	574
Debt Securities, Available-for-Sale, Unrealized Loss Position	$ 598,720
Debt Securities, Available-for-Sale, Realized Gain (Loss)	0	$ 12
Available-for-sale Securities Sold, Book Value		$ 17,987
National Bank of Blacksburg [Member] | Federal Home Loan Bank of Atlanta [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 506,896

Note 3 - Securities - Securitie

Note 3 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Securities available-for-sale, amortized costs	$ 693,378	$ 697,786
Securities available-for-sale, gross unrealized gains	6	0
Securities available-for-sale, gross unrealized losses	83,416	79,185
Securities available-for-sale, fair values	609,968	618,601
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized costs	352,961	353,904
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	44,972	42,060
Securities available-for-sale, fair values	307,989	311,844
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, amortized costs	179,343	179,507
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	31,344	29,614
Securities available-for-sale, fair values	147,999	149,893
Collateralized Mortgage-Backed Securities [Member]
Securities available-for-sale, amortized costs	153,572	156,875
Securities available-for-sale, gross unrealized gains	6	0
Securities available-for-sale, gross unrealized losses	6,255	6,724
Securities available-for-sale, fair values	147,323	150,151
Corporate Debt Securities [Member]
Securities available-for-sale, amortized costs	6,505	6,504
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	817	754
Securities available-for-sale, fair values	5,688	5,750
US Treasury Securities [Member]
Securities available-for-sale, amortized costs	997	996
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	28	33
Securities available-for-sale, fair values	$ 969	$ 963

Note 3 - Securities - Securit_2

Note 3 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost, due in one year or less, available for sale securities	$ 13,749
Fair value, due in one year or less, available for sale securities	13,419
Amortized cost, due after one year through five years, available for sale securities	180,902
Fair value, due after one year through five years, available for sale securities	166,926
Amortized cost, due after five years through ten years, available for sale securities	273,587
Fair value, due after five years through ten years, available for sale securities	232,336
Amortized cost, due after ten years, available for sale securities	225,140
Fair value, due after ten years, available for sale securities	197,287
Amortized cost, total securities available for sale	693,378	$ 697,786
Fair value, total securities available for sale	$ 609,968	$ 618,601

Note 3 - Securities - Securit_3

Note 3 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Temporarily impaired securities, less than 12 months, fair value	$ 2,090	$ 2,500
Temporarily impaired securities, less than 12 months unrealized loss	127	27
Temporarily impaired securities, 12 months or more fair value	596,630	615,242
Temporarily impaired securities, 12 months or more unrealized loss	83,289	79,158
US Government Agencies Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	0	0
Temporarily impaired securities, less than 12 months unrealized loss	0	0
Temporarily impaired securities, 12 months or more fair value	307,989	311,844
Temporarily impaired securities, 12 months or more unrealized loss	44,972	42,060
US States and Political Subdivisions Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	1,507	884
Temporarily impaired securities, less than 12 months unrealized loss	126	1
Temporarily impaired securities, 12 months or more fair value	146,492	148,763
Temporarily impaired securities, 12 months or more unrealized loss	31,218	29,613
Commercial Mortgage-Backed Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	583	1,616
Temporarily impaired securities, less than 12 months unrealized loss	1	26
Temporarily impaired securities, 12 months or more fair value	135,492	147,922
Temporarily impaired securities, 12 months or more unrealized loss	6,254	6,698
Corporate Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	0	0
Temporarily impaired securities, less than 12 months unrealized loss	0	0
Temporarily impaired securities, 12 months or more fair value	5,688	5,750
Temporarily impaired securities, 12 months or more unrealized loss	817	754
US Treasury Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	0	0
Temporarily impaired securities, less than 12 months unrealized loss	0	0
Temporarily impaired securities, 12 months or more fair value	969	963
Temporarily impaired securities, 12 months or more unrealized loss	$ 28	$ 33

Note 4 - Defined Benefit Plan_2

Note 4 - Defined Benefit Plan (Details Textual) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($)
Defined Benefit Plan, Plan Assets, Contributions by Employer	$ 3

Note 4 - Defined Benefit Plan -

Note 4 - Defined Benefit Plan - Defined Benefit Plan Activity (Details) - Pension Plan [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Service cost	$ 261	$ 203
Interest cost	302	273
Expected return on plan assets	(608)	(518)
Amortization of prior service cost	0	0
Recognized net actuarial loss	33	17
Net periodic benefit income	$ (12)	$ (25)

Note 5 - Fair Value Measureme_3

Note 5 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, before Allowance for Credit Loss	$ 863,548	$ 856,646
Collateral Pledged [Member]
Financing Receivable, before Allowance for Credit Loss	2,277	2,184
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Financing Receivable, before Allowance for Credit Loss	2,156
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Financing Receivable, before Allowance for Credit Loss	$ 121	$ 7

Note 5 - Fair Value Measureme_4

Note 5 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) $ in Thousands		Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Securities available for sale		$ 609,968	$ 618,601
Interest Rate Loan Contract [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Minimum [Member]
Derivative Asset, Measurement Input	[1]	1.0261
Interest Rate Loan Contract [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Maximum [Member]
Derivative Asset, Measurement Input	[1]	1.0305
Interest Rate Loan Contract [Member] | Fair Value, Recurring [Member]
Derivative Asset		$ 2	$ 3
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Minimum [Member]
Derivative Liability, Measurement Input	[2]	1.0261	1.016
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Maximum [Member]
Derivative Liability, Measurement Input	[2]	1.0305	1.0264
Forward Sale Commitment [Member] | Fair Value, Recurring [Member]
Derivative Liability		$ (2)	$ (4)
Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale		609,968	618,601
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		2	3
Fair Value, Inputs, Level 3 [Member] | Forward Sale Commitment [Member] | Fair Value, Recurring [Member]
Derivative Liability		(2)	(4)
US Government Agencies Debt Securities [Member]
Securities available for sale		307,989	311,844
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		307,989	311,844
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		147,999	149,893
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		147,999	149,893
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		147,323	150,151
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		147,323	150,151
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		5,688	5,750
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		5,688	5,750
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		0	0
US Treasury Securities [Member]
Securities available for sale		969	963
US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale		969	963
US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		$ 0	$ 0
[1]Comprised of only one loan.[2]Current reference prices were weighted by the relative amount of the loan

Note 5 - Fair Value Measureme_5

Note 5 - Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Securities available for sale, at fair value	$ 609,968	$ 618,601
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	609,968	618,601
Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
Reported Value Measurement [Member]
Cash and due from banks	10,656	12,967
Interest-bearing deposits	110,527	73,636
Loans, net	854,493	847,552
Accrued interest receivable	6,478	6,313
Bank-owned life insurance	43,840	43,583
Deposits	1,537,808	1,503,972
Accrued interest payable	2,514	1,416
Estimate of Fair Value Measurement [Member]
Securities available for sale, at fair value	609,968	618,601
Restricted stock, at cost	1,248	1,264
Interest rate loan contract	2	3
Forward sale commitment	2	4
Mortgage loans held for sale		406
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	10,656	12,967
Interest-bearing deposits	110,527	73,636
Securities available for sale, at fair value	0	0
Restricted stock, at cost	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Interest rate loan contract	0	0
Deposits	0	0
Accrued interest payable	0	0
Forward sale commitment	0	0
Mortgage loans held for sale		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	609,968	618,601
Restricted stock, at cost	1,248	1,264
Loans, net	0	0
Accrued interest receivable	6,478	6,313
Bank-owned life insurance	43,840	43,583
Interest rate loan contract	0	0
Deposits	1,297,907	1,280,732
Accrued interest payable	2,514	1,416
Forward sale commitment	0	0
Mortgage loans held for sale		406
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
Loans, net	790,540	793,800
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Interest rate loan contract	2	3
Deposits	241,538	222,374
Accrued interest payable	0	0
Forward sale commitment	$ 2	4
Mortgage loans held for sale		$ 0

Note 6 - Components of Accumu_3

Note 6 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Balance	$ 140,522	$ 122,687
Balance	139,390	131,043
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Balance	(62,556)	(81,421)
Unrealized holding gain (loss) on available for sale securities, net of tax	(3,338)	11,738
Reclassification adjustment, net of tax of ($3)		(9)
Balance	(65,894)	(69,692)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(2,310)	(2,345)
Reclassification adjustment, net of tax of ($3)		0
Balance	(2,310)	(2,345)
AOCI Attributable to Parent [Member]
Balance	(64,866)	(83,766)
Unrealized holding gain (loss) on available for sale securities, net of tax	(3,338)	11,738
Reclassification adjustment, net of tax of ($3)		(9)
Balance	$ (68,204)	$ (72,037)

Note 6 - Components of Accumu_4

Note 6 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) (Parentheticals) - AOCI Attributable to Parent [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Unrealized holding gain (loss) on available for sale securities, tax	$ (887)	$ 3,121
Reclassification adjustment for gain included in net income, taxes		$ (3)

Note 7 - Revenue Recognition -

Note 7 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Noninterest Income (in-scope of Topic 606)	$ 1,903	$ 1,842
Noninterest Income (out-of-scope of Topic 606)	296	357
Total noninterest income	2,199	2,199
Deposit Account [Member]
Noninterest Income (in-scope of Topic 606)	675	592
Product and Service, Other [Member]
Noninterest Income (in-scope of Topic 606)	46	53
Credit and Debit Card [Member]
Noninterest Income (in-scope of Topic 606)	374	467
Fiduciary and Trust [Member]
Noninterest Income (in-scope of Topic 606)	503	445
Insurance and Investment [Member]
Noninterest Income (in-scope of Topic 606)	$ 305	$ 285

Note 8 - Leases - Lease Informa

Note 8 - Leases - Lease Information and Expenses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Lease liability	$ 1,048		$ 1,127
Right-of-use asset	$ 1,018		$ 1,096
Weighted average remaining lease term (in years) (Year)	4 years 2 months 19 days		4 years 4 months 20 days
Weighted average discount rate	3.28%		3.29%
Operating lease expense	$ 89	$ 92
Short-term lease expense	5	1
Total lease expense	94	93
Cash paid for amounts included in lease liabilities	95	94
Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period	$ 0	$ 0

Note 8 - Leases - Lease Liabili

Note 8 - Leases - Lease Liability Maturity Schedule (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Twelve months ending March 31, 2025	$ 340
Twelve months ending March 31, 2026	234
Twelve months ending March 31, 2027	203
Twelve months ending March 31, 2028	188
Twelve months ending March 31, 2029	158
Thereafter	0
Total undiscounted cash flows	1,123
Less: discount	(75)
Lease liability	$ 1,048	$ 1,127

Note 9 - Stock Based Compensa_3

Note 9 - Stock Based Compensation (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	May 09, 2023
Share-Based Payment Arrangement, Expense	$ 32
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 52
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 9 - Stock Based Compensa_4

Note 9 - Stock Based Compensation - Summary of Nonvested Shares (Details) - Restricted Stock Award [Member]	3 Months Ended
	Mar. 31, 2024 $ / shares shares
Nonvested, shares (in shares) | shares	4,095
Nonvested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.73
Granted, shares (in shares) | shares	0
Granted, weighted average grant date fair value (in dollars per share) | $ / shares	$ 0
Nonvested, shares (in shares) | shares	4,095
Nonvested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.73

Note 10 - Earnings Per Share -

Note 10 - Earnings Per Share - Schedule of Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Net income, basic	$ 2,174	$ 4,531
Weighted average number of common shares outstanding, basic (in shares)	5,889,687	5,889,687
Basic earnings per common share (in dollars per share)	$ 0.37	$ 0.77
Dilutive shares for restricted stock awards: (in shares)	1,964	0
Net income, diluted	$ 2,174	$ 4,531
Weighted average number of common shares outstanding, diluted (in shares)	5,891,651	5,889,687
Diluted earnings per common share (in dollars per share)	$ 0.37	$ 0.77