National Bankshares (NKSH) 10-Q 14 Aug 24 2024 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2024	Aug. 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	Q2
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 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		6,361,433

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 14,908	$ 12,967
Interest-bearing deposits	80,477	73,636
Federal Funds sold	3,499	0
Total cash and cash equivalents	98,884	86,603
Securities available for sale, at fair value	605,196	618,601
Restricted stock, at cost	1,752	1,264
Mortgage loans held for sale	125	406
Loans:
Loans, net of unearned income and deferred fees and costs	989,367	856,646
Less allowance for credit losses	(10,502)	(9,094)
Total loans, net	978,865	847,552
Premises and equipment, net	15,468	11,109
Accrued interest receivable	6,615	6,313
Goodwill, net	10,733	5,848
Core deposit intangible, net	2,065	0
Bank-owned life insurance	46,775	43,583
Other assets	42,738	34,091
Total assets	1,809,216	1,655,370
Liabilities and Stockholders' Equity
Noninterest-bearing demand deposits	296,242	281,215
Interest-bearing demand deposits	867,899	821,661
Savings deposits	176,852	177,856
Time deposits	304,059	223,240
Total deposits	1,645,052	1,503,972
Accrued interest payable	2,525	1,416
Other liabilities	12,676	9,460
Total liabilities	1,660,253	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 6,361,433 (including 4,839 unvested) shares at June 30, 2024 and 5,893,782 (including 4,095 unvested) shares at December 31, 2023	21,768	7,404
Retained earnings	195,549	197,984
Accumulated other comprehensive loss, net	(68,354)	(64,866)
Total stockholders' equity	148,963	140,522
Total liabilities and stockholders' equity	$ 1,809,216	$ 1,655,370

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares	Jun. 30, 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)	6,361,433	5,893,782
Common stock, shares outstanding (in shares)	6,361,433	5,893,782
Common stock, shares unvested (in shares)	4,839	4,095

Consolidated Statements of (Los

Consolidated Statements of (Loss) Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest Income
Interest and fees on loans	$ 11,301	$ 9,644	$ 21,578	$ 18,977
Interest on federal funds sold	10	0	10	0
Interest on interest-bearing deposits	1,229	540	2,358	768
Interest on securities – taxable	4,239	4,066	8,515	8,184
Interest on securities – nontaxable	338	347	677	712
Total interest income	17,117	14,597	33,138	28,641
Interest Expense
Interest on time deposits	2,930	1,054	5,482	1,413
Interest on other deposits	5,486	4,314	10,710	6,768
Interest on borrowings	1	12	1	297
Total interest expense	8,417	5,380	16,193	8,478
Net interest income	8,700	9,217	16,945	20,163
Provision for credit losses	1,302	1	1,292	3
Net interest income after provision for credit losses	7,398	9,216	15,653	20,160
Noninterest Income:
Noninterest Income	1,832	1,693	3,736	3,535
BOLI income	269	1,279	527	1,518
Gain on sale of investment	0	2,971	0	2,971
Gain on sale of mortgage loans	58	55	82	71
Other income	213	249	532	624
Realized securities loss, net	0	(3,344)	0	(3,332)
Total noninterest income	2,246	2,791	4,445	4,990
Noninterest Expense
Salaries and employee benefits	4,687	4,465	9,153	8,899
Occupancy, furniture and fixtures	561	411	1,100	953
Data processing and ATM	886	879	1,753	1,752
FDIC assessment	192	254	379	371
Intangible asset amortization	35	0	35	0
Net costs of other real estate owned	0	4	0	15
Franchise taxes	358	358	708	733
Professional services	272	551	512	1,304
Merger-related expenses	2,257	0	2,741	0
Contract termination	173	0	173	0
Other operating expenses	706	644	1,335	1,203
Total noninterest expense	10,127	7,566	17,889	15,230
(Loss) Income before income (benefit) tax	(483)	4,441	2,209	9,920
Income tax (benefit) expense	(177)	540	341	1,488
Net (Loss) Income	$ (306)	$ 3,901	$ 1,868	$ 8,432
Basic net (loss) income per common share (in dollars per share)	$ (0.05)	$ 0.66	$ 0.31	$ 1.43
Fully diluted net (loss) income per common share (in dollars per share)	$ (0.05)	$ 0.66	$ 0.31	$ 1.43
Weighted average number of common shares outstanding, basic (in shares)	6,028,220	5,889,687	5,958,953	5,889,687
Weighted average number of common shares outstanding, fully diluted (in shares)	6,028,220	5,890,048	5,961,037	5,889,868
Dividends declared per common share (in dollars per share)	$ 0.73	$ 0.73	$ 0.73	$ 1.73
Deposit Account [Member]
Noninterest Income:
Noninterest Income	$ 722	$ 637	$ 1,397	$ 1,229
Product and Service, Other [Member]
Noninterest Income:
Noninterest Income	48	49	94	102
Credit and Debit Card [Member]
Noninterest Income:
Noninterest Income	423	414	797	881
Fiduciary and Trust [Member]
Noninterest Income:
Noninterest Income	$ 513	$ 481	$ 1,016	$ 926

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net (Loss) Income	$ (306)	$ 3,901	$ 1,868	$ 8,432
Other Comprehensive Loss, Net of Tax
Unrealized holding loss on available for sale securities	(150)	(4,848)	(3,488)	6,891
Reclassification adjustment for loss included in net income, net of tax of $702 in 2023	0	2,642	0	2,632
Other comprehensive loss, net of tax	(150)	(2,206)	(3,488)	9,523
Total Comprehensive (Loss) Income	(456)	1,695	(1,620)	17,955
Net (Loss) Income	$ (306)	$ 3,901	$ 1,868	$ 8,432

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Unrealized holding gain (loss) on available for sale securities, tax	$ (40)	$ (1,289)	$ (927)	$ 1,831
Reclassification adjustment for gain included in net income, tax		$ 702		$ 700

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 (loss)					0	8,432	0	8,432
Cash dividend					0	(10,189)	0	(10,189)
Other comprehensive income (loss), net of tax					0	0	9,523	9,523
Stock based compensation					5			5
Other comprehensive income (loss), net of tax					0	0	9,523	9,523
Balance at Jun. 30, 2023					7,367	195,320	(74,243)	128,444
Balance at Mar. 31, 2023					7,362	195,718	(72,037)	131,043
Net income (loss)					0	3,901	0	3,901
Cash dividend					0	(4,299)	0	(4,299)
Other comprehensive income (loss), net of tax					0	0	(2,206)	(2,206)
Stock based compensation					5			5
Other comprehensive income (loss), net of tax					0	0	(2,206)	(2,206)
Balance at Jun. 30, 2023					7,367	195,320	(74,243)	128,444
Balance at Dec. 31, 2023					7,404	197,984	(64,866)	140,522
Net income (loss)					0	1,868	0	1,868
Cash dividend					0	(4,303)	0	(4,303)
Other comprehensive income (loss), net of tax					0	0	(3,488)	(3,488)
Stock based compensation					65			65
Acquisition of Frontier Community Bank					14,299	0	0	14,299
Other comprehensive income (loss), net of tax					0	0	(3,488)	(3,488)
Balance at Jun. 30, 2024					21,768	195,549	(68,354)	148,963
Balance at Mar. 31, 2024					7,436	200,158	(68,204)	139,390
Net income (loss)					0	(306)	0	(306)
Cash dividend					0	(4,303)	0	(4,303)
Other comprehensive income (loss), net of tax					0	0	(150)	(150)
Stock based compensation					33			33
Acquisition of Frontier Community Bank					14,299	0	0	14,299
Other comprehensive income (loss), net of tax					0	0	(150)	(150)
Balance at Jun. 30, 2024					$ 21,768	$ 195,549	$ (68,354)	$ 148,963

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Cash dividend, per share (in dollars per share)	$ 0.73	$ 0.73	$ 0.73	$ 1.73
Other comprehensive income (loss), tax	$ (40)	$ (587)	$ (927)	$ 2,531

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Cash Flows from Operating Activities
Net income (loss)	$ (306)	$ 3,901	$ 1,868	$ 8,432
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	1,302	1	1,292	3
Depreciation of premises and equipment			424	338
Net accretion of acquisition accounting estimates			(31)	0
Amortization of premiums and accretion of discounts, net			520	524
Loss on sale of securities available for sale, net			0	3,332
Loss on disposal of repossessed assets			0	5
Increase in cash value of bank-owned life insurance			(527)	(481)
Origination of mortgage loans held for sale			(5,125)	(5,251)
Proceeds from sale of mortgage loans held for sale			5,488	5,322
Gain on sale of mortgage loans held for sale	(58)	(55)	(82)	(71)
Equity based compensation expense			65	5
Net change in:
Accrued interest receivable			35	283
Other assets			(5,667)	(2,497)
Accrued interest payable			974	154
Other liabilities			1,661	(2,426)
Net cash provided by operating activities			895	7,672
Cash Flows from Investing Activities
Proceeds from calls, principal payments, sales and maturities of securities available for sale			17,789	50,872
Net change in restricted stock			265	12
Purchase of loan participations			(12,228)	(3,630)
Collection of loan participations			5,321	5,146
Loan originations and principal collections, net			(7,247)	4,520
Proceeds from sale of repossessed assets			0	9
Recoveries on loans charged off			103	207
Purchases of premises and equipment			(1,331)	(1,011)
BOLI settlement			0	712
Cash acquired in the acquisition, net of cash paid			1,654	0
Net cash provided by investing activities			4,326	56,837
Cash Flows from Financing Activities
Net change in time deposits			14,385	79,350
Net change in other deposits			(3,023)	(135,043)
Cash dividends paid			(4,302)	(10,189)
Net cash provided by (used in) financing activities			7,060	(65,882)
Net change in cash and cash equivalents			12,281	(1,373)
Cash and cash equivalents at beginning of period			86,603	71,429	$ 71,429
Cash and cash equivalents at end of period	$ 98,884	$ 70,056	98,884	70,056	86,603
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowings			15,219	8,324
Income taxes paid			715	3,847
Supplemental Disclosure of Noncash Activities
Loans charged against the allowance for credit losses			177	160	$ 478
Loans transferred to repossessed assets			0	7
Unrealized holding (loss) gain on securities available for sale			(4,415)	12,054
Lease liabilities arising from obtaining right-of-use assets during the period			$ 548	$ 0

Note 1 - General and Summary of

Note 1 - General and Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 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 six June 30, 2024 not 10 10 December 31, 2023 ( “2023 10 1 2023 10 December 31, 2023, no 1934 In addition to applying significant accounting policies disclosed in Note 1 2023 10 805, third Under the acquisition method of accounting, the Company identifies the acquirer and the closing date and applies applicable recognition principles and conditions. Acquisition-related costs are costs the Company incurs to effect a business combination. Those costs include advisory, legal, accounting, valuation, and other professional or consulting fees. Some other examples of costs to the Company include systems conversions, integration planning consultants and advertising costs. The Company accounts for acquisition-related costs as expenses in the periods in which the costs are incurred and the services are received, with one The most significant assessment of fair value in the Company’s accounting for business combinations relates to the valuation of an acquired loan portfolio. At acquisition, loans are classified as either (i) purchase credit-deteriorated (“PCD”) loans or (ii) non-PCD loans and are recorded at fair value on the date of acquisition. PCD loans are those for which there is more than insignificant evidence of credit deterioration since origination. Fair values are determined primarily through a discounted cash flow approach which considers the acquired loans’ underlying characteristics, including account types, remaining terms, annual interest rates, interest types, timing of principal and interest payments, current market rates, and remaining balances. Estimates of fair value also include estimates of default, loss severity, and estimated prepayments. At acquisition, an allowance for credit losses (“ACL”) for PCD loans is determined based upon the Company’s methodology for estimating the ACL on loans. This allowance is credited to the ACL on loans with a corresponding adjustment to the amortized cost basis of the loan on the date of the acquisition. The difference between the new amortized cost basis and the unpaid principal balance is either a noncredit discount or premium that is amortized or accreted to interest income over the remaining life of the loan. Disposals of PCD loans, which may third For non-PCD loans, an ACL is established in a manner that is consistent with the Company’s originated loans. The ACL is determined using the Company’s methodology and the related ACL for non-PCD loans is recorded through a charge to the provision for credit losses in the period in which the loans are purchased or acquired. The entirety of any purchase discount or premium on non-PCD loans is amortized or accreted to interest income over the remaining life of the loan. In accordance with ASC 805, 10 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

Note 2 - Business Combination

Note 2 - Business Combination	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Business Combination Disclosure [Text Block]	Note 2: On June 1, 2024 ( January 23, 2024, The acquisition of FCB was accounted for as a business combination using the acquisition method of accounting. Assets acquired, liabilities assumed, and consideration paid were recorded at estimated fair value on the Acquisition Date. The excess of the purchase price over the fair value of the net assets was recorded as provisional goodwill and represents the benefit from the transaction that is not not twelve may not The following table presents the calculation of the purchase price and the fair value of the identifiable assets and liabilities. June 1, 2024 As Recorded by FCB Estimated Fair Value Adjustments Estimated Fair Values as Recorded by NBI Purchase Price Consideration: Stock consideration (1) $ 14,299 Cash consideration (2) 2,050 Total purchase price consideration $ 16,349 Identifiable assets: Cash and cash equivalents $ 8,993 $ (59 ) $ 8,934 Securities 9,325 (5 ) 9,320 Loans, gross, purchased performing 115,589 (7,720 ) 107,869 Loans, gross, purchased credit deteriorated 11,157 (822 ) 10,335 Loans in process 539 - 539 Deferred fees and costs on loans 34 (34 ) - Allowance for credit losses on loans (881 ) 881 - Premises and equipment 3,003 449 3,452 Core deposit intangible - 2,100 2,100 Other assets 4,998 966 5,964 Total identifiable assets acquired $ 152,757 $ (4,244 ) $ 148,513 Identifiable Liabilities Deposits 130,323 (606 ) $ 129,717 Borrowings 5,250 (20 ) 5,230 Other liabilities 1,960 131 2,091 Total identifiable liabilities assumed $ 137,533 $ (495 ) $ 137,038 Provisional fair value of net assets acquired $ 11,475 Provisional goodwill $ 4,874 ( 1 The Company issued 464,855 shares of its common stock valued at $30.76 per share, which was the closing price of the Company’s common stock on May 31, 2024, ( 2 Cash consideration was paid for shareholder elections, fractional shares and to settle outstanding vested stock options. The merger agreement provided for up to 10% of consideration to be paid in cash of $14.48 per FCB common share, at the shareholders’ election. Payments for shareholder elections and fractional shares totaled $1,769. Outstanding and vested options were settled at the difference between $14.48 and the strike price and totaled $281. Management made significant estimates and exercised significant judgement in accounting for the acquisition of FCB. The following is a brief description of the valuation methodologies used to estimate the fair values of major categories of assets acquired and liabilities assumed. The Company utilized a valuation specialist to assist with the determination of fair values for certain acquired assets and assumed liabilities. Cash and equivalents Included in cash and equivalents are an investment in time deposits of other financial institutions, valued at the present value of the expected contractual payments discounted at market rates for instruments with similar terms. Securities The estimated fair value of the acquired portfolio of debt securities was based on quoted market prices. All of the acquired portfolio was sold upon completion of the acquisition. Loans The fair valuation process identified loans with credit risk indicators that qualified for “purchase credit deteriorated” (“PCD”) status. PCD and non-PCD loans were then evaluated for credit risk and other fair value indicators. Consistent with GAAP, FCB’s related allowance for credit losses on loans and deferred fees and costs were not Credit risk was quantified using a probability of default (“PD”)/loss given default(“LGD”) methodology from a market participant perspective and applied to each loan’s outstanding principal balance. PD/LGD rates were tailored to PCD or non-PCD status. Other fair value indicators were quantified using a discounted cash flow methodology, with discounts applied for current market rates, credit risk and liquidity. Cash flows were generated based upon the loans’ underlying characteristics and estimated prepayment speeds. The following table provides information on PCD and non-PCD loans as of the Acquisition Date: June 1, 2024 PCD Loans Non-PCD Loans Number of loans 46 498 FCB recorded value $ 11,157 $ 115,589 Discount for credit risk (295 ) (498 ) Discount for non-credit factors (527 ) (7,222 ) Fair value $ 10,335 $ 107,869 Premises and equipment The fair value of premises acquired was based on a recent third Core Deposit Intangible Core deposit relationships provide a stable source of funds for lending and contribute to profitability. The core deposit intangible was valued using an income approach focused on cost savings, which recognizes the cost savings represented by the expense of maintaining the core deposit base versus the cost of an alternative funding source. The valuation incorporates assumptions related to account retention, discount rates, deposit interest rates, deposit maintenance costs and alternative funding rates. Leases: right of use asset, lease liability and fair value Right of use assets (included in other assets) and lease liabilities (included in other liabilities) for branch locations were measured at the acquisition date. The fair value of leases was determined by applying a discounted cash flow methodology discounted by current lease rates within the appropriate market. Deposits Deposits were valued using methods appropriate to their characteristics. The fair value of noninterest bearing demand deposits, interest bearing demand deposits, money market and savings deposit accounts were assumed to approximate the carrying value as these accounts have no Borrowings The estimated fair value of borrowings was determined by obtaining payoff quotes from the lender. Borrowings were paid off upon completion of the acquisition. Deferred Tax Asset Application of fair value measurements resulted in an increase to the deferred tax asset, included in other assets.

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Financing Receivables [Text Block]	Note 3: Loans Loans as of June 30, 2024 June 30, 2024 December 31, 2023 June 30, 2024 December 31, 2023 Real estate construction $ 81,355 $ 55,379 Consumer real estate 299,310 241,564 Commercial real estate 454,978 419,130 Commercial non real estate 52,297 41,555 Public sector and IDA 59,043 60,551 Consumer non real estate 42,915 38,996 Gross loans $ 989,898 $ 857,175 Less unearned income and deferred fees and costs (531 ) (529 ) Loans, net of unearned income and deferred fees and costs $ 989,367 $ 856,646 Allowance for credit losses on loans (10,502 ) (9,094 ) Total loans, net $ 978,865 $ 847,552 Accrued interest receivable of $3,352 at June 30, 2024 December 31, 2023 not Past Due and Nonaccrual Loans The following tables present the aging of past due loans, by loan pool, as of the dates indicated. June 30, 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 $ 22,801 $ 140 $ - $ - $ 22,941 $ - Construction, other 58,264 150 - - 58,414 - Consumer Real Estate Equity line 21,751 6 - - 21,757 - Residential closed-end first liens 164,517 353 118 - 164,988 118 Residential closed-end junior liens 6,582 11 - - 6,593 - Investor-owned residential real estate 105,716 256 - - 105,972 - Commercial Real Estate Multifamily residential real estate 120,601 190 - - 120,791 - Commercial real estate owner-occupied 135,121 720 - 2,307 138,148 220 Commercial real estate, other 196,039 - - - 196,039 - Commercial Non Real Estate Commercial and industrial 51,852 199 46 200 52,297 46 Public Sector and IDA States and political subdivisions 59,043 - - - 59,043 - Consumer Non Real Estate Credit cards 4,763 2 - - 4,765 - Automobile 13,482 264 13 - 13,759 13 Other consumer loans 24,170 164 57 - 24,391 57 Total $ 984,702 $ 2,455 $ 234 $ 2,507 $ 989,898 $ 454 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: June 30, 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 $ 2,087 $ 220 $ 2,307 $ 2,177 $ 231 $ 2,408 Commercial Non Real Estate Commercial and industrial - 200 200 - 221 221 Total $ 2,087 $ 420 $ 2,507 $ 2,177 $ 452 $ 2,629 During the three six June 30, 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 ACLL for the Six Months Ended June 30, 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 - - - (20 ) - (157 ) - (177 ) Recoveries - - 29 3 - 71 - 103 Provision for (recovery of) credit losses 131 376 594 79 (10 ) 87 50 1,307 Merger adjustment (1) 10 97 55 4 - 9 - 175 Balance, June 30, 2024 $ 549 $ 3,635 $ 4,254 $ 748 $ 323 $ 593 $ 400 $ 10,502 ( 1 Adjustment for PCD acquired loans. Activity in the ACLL for the Six Months Ended June 30, 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 ) - (11 ) - (132 ) - (160 ) Recoveries - 102 25 3 - 77 - 207 Provision for (recovery of) credit losses 47 (180 ) (26 ) 78 (3 ) 70 26 12 Balance, June 30, 2023 $ 476 $ 3,365 $ 4,341 $ 1,216 $ 301 $ 593 $ 334 $ 10,626 Activity in the ACLL 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. ACLL by Segment and Evaluation Method June 30, 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 $ - $ 114 $ 391 $ 117 $ - $ 22 $ - $ 644 Collectively evaluated 549 3,521 3,863 631 323 571 400 9,858 Total $ 549 $ 3,635 $ 4,254 $ 748 $ 323 $ 593 $ 400 $ 10,502 ACLL 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 June 30, 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 $ 276 $ 2,259 $ 10,452 $ 305 $ - $ 179 $ 13,471 Collectively evaluated 81,079 297,051 444,526 51,992 59,043 42,736 976,427 Total $ 81,355 $ 299,310 $ 454,978 $ 52,297 $ 59,043 $ 42,915 $ 989,898 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 ACLL on collateral dependent loans based upon the fair value of the collateral, as permitted by ASU 2016 13. no As of June 30, 2024, four December 31, 2023, three June 30, 2024 December 31, 2023. June 30, 2024 December 31, 2023 Balance Related Allowance Balance Related Allowance Consumer Real Estate Residential closed-end first lien $ 84 $ - $ 7 $ - Commercial Real Estate Commercial real estate, owner occupied 2,087 - 2,177 - Commercial real estate, other 883 - - - Total Loans $ 3,054 $ - $ 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. Term Loans Amortized Cost Basis by Origination Year Revolving Loans June 30, 2024 Prior 2020 2021 2022 2023 2024 Revolving Converted to Term Total Construction, residential Pass $ 177 $ 62 $ 269 $ 1,625 $ 6,504 $ 1,105 $ 13,199 $ - $ 22,941 Construction, other Pass $ 4,080 $ 1,141 $ 7,929 $ 26,139 $ 5,663 $ 6,964 $ 6,222 $ - $ 58,138 Classified - - 276 - - - - - 276 Total $ 4,080 $ 1,141 $ 8,205 $ 26,139 $ 5,663 $ 6,964 $ 6,222 $ - $ 58,414 Equity lines Pass $ 554 $ 329 $ 429 $ 528 $ 938 $ 171 $ 18,763 $ 45 $ 21,757 Residential closed-end first liens Pass $ 42,736 $ 18,555 $ 35,607 $ 36,891 $ 17,900 $ 12,087 $ - $ 268 $ 164,044 Special Mention 370 - - - - - - - 370 Classified 574 - - - - - - - 574 Total $ 43,680 $ 18,555 $ 35,607 $ 36,891 $ 17,900 $ 12,087 $ - $ 268 $ 164,988 Residential closed-end junior liens Pass $ 1,679 $ - $ 290 $ 2,081 $ 1,652 $ 891 $ - $ - $ 6,593 Investor-owned residential real estate Pass $ 30,684 $ 23,613 $ 19,627 $ 16,561 $ 8,638 $ 2,775 $ 2,800 $ - $ 104,698 Special Mention - - - 142 166 - - - 308 Classified 759 - 168 39 - - - - 966 Total $ 31,443 $ 23,613 $ 19,795 $ 16,742 $ 8,804 $ 2,775 $ 2,800 $ - $ 105,972 Multifamily residential real estate Pass $ 40,686 $ 2,114 $ 40,445 $ 28,096 $ 8,866 $ 442 $ 142 $ - $ 120,791 Commercial real estate, owner occupied Pass $ 55,824 $ 25,096 $ 7,778 $ 23,749 $ 10,695 $ 1,377 $ 4,064 $ 85 $ 128,668 Special mention 6,396 - - - - - - - 6,396 Classified 2,307 759 - - - - 18 - 3,084 Total $ 64,527 $ 25,855 $ 7,778 $ 23,749 $ 10,695 $ 1,377 $ 4,082 $ 85 $ 138,148 Commercial real estate, other Pass $ 93,009 $ 18,641 $ 38,340 $ 24,225 $ 17,239 $ 2,118 $ 1,771 $ - $ 195,343 Special Mention 696 - - - - - - - 696 Total $ 93,705 $ 18,641 $ 38,340 $ 24,225 $ 17,239 $ 2,118 $ 1,771 $ - $ 196,039 Commercial and industrial Pass $ 6,673 $ 2,412 $ 12,702 $ 6,415 $ 7,282 $ 4,292 $ 12,218 $ - $ 51,994 Special Mention - - - - - - 96 - 96 Classified 200 - - 7 - - - - 207 Total $ 6,873 $ 2,412 $ 12,702 $ 6,422 $ 7,282 $ 4,292 $ 12,314 $ - $ 52,297 YTD gross charge-offs $ 20 $ 20 Public sector and IDA Pass $ 20,062 $ 227 $ 26,162 $ 6,130 $ 6,462 $ - $ - $ - $ 59,043 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,765 $ - $ 4,765 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 33 $ - $ 33 Automobile Pass $ 111 $ 404 $ 1,139 $ 2,181 $ 5,946 $ 3,894 $ - $ - $ 13,675 Special Mention - - - - 4 - - - 4 Classified - - - - 69 11 - - 80 Total $ 111 $ 404 $ 1,139 $ 2,181 $ 6,019 $ 3,905 $ - $ - $ 13,759 Other consumer Pass $ 322 $ 594 $ 1,318 $ 3,530 $ 8,901 $ 8,930 $ 698 $ - $ 24,293 Special Mention - - 2 - 13 11 - - 26 Classified - - 49 - 23 - - - 72 Total $ 322 $ 594 $ 1,369 $ 3,530 $ 8,937 $ 8,941 $ 698 $ - $ 24,391 YTD gross charge-offs $ - $ 4 $ 9 $ 17 $ 51 $ 43 $ - $ - $ 124 Total Loans Pass $ 296,597 $ 93,188 $ 192,035 $ 178,151 $ 106,686 $ 45,046 $ 64,642 $ 398 $ 976,743 Special Mention 7,462 - 2 142 183 11 96 - 7,896 Classified 3,840 759 493 46 92 11 18 - 5,259 Total $ 307,899 $ 93,947 $ 192,530 $ 178,339 $ 106,961 $ 45,068 $ 64,756 $ 398 $ 989,898 YTD gross charge-offs $ - $ 4 $ 9 $ 17 $ 51 $ 43 $ 53 $ - $ 177 Term Loans Amortized Cost Basis by Origination Year Revolving Loans December 31, 2023 Prior 2019 2020 2021 2022 2023 Revolving Converted to Term Total Construction, residential Pass $ - $ - $ 246 $ 158 $ 3,275 $ 5,157 $ 4,606 $ - $ 13,442 Construction, other Pass $ 2,741 $ 1,094 $ 1,305 $ 12,671 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,651 Classified - - - 286 - - - - 286 Total $ 2,741 $ 1,094 $ 1,305 $ 12,957 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,937 Equity lines Pass $ 51 $ - $ - $ - $ - $ - $ 17,182 $ - $ 17,233 Classified - - - - - - 49 - 49 Total $ 51 $ - $ - $ - $ - $ - $ 17,231 $ - $ 17,282 Residential closed-end first liens Pass $ 32,404 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,253 Classified 426 - - - - - - - 426 Total $ 32,830 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,679 YTD gross charge-offs $ - $ - $ 17 $ - $ - $ - $ - $ - $ 17 Residential closed-end junior liens Pass $ 1,499 $ 116 $ - $ 172 $ 1,387 $ 1,850 $ - $ 15 $ 5,039 Investor-owned residential real estate Pass $ 24,556 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 92,856 Classified 708 - - - - - - - 708 Total $ 25,264 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 93,564 Multifamily residential real estate Pass $ 40,092 $ 1,806 $ 2,148 $ 40,544 $ 25,681 $ 8,850 $ 126 $ - $ 119,247 Commercial real estate, owner occupied Pass $ 41,573 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 108,416 Special mention 6,396 - - - - - - - 6,396 Classified 2,409 - - - - - - - 2,409 Total $ 50,378 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 117,221 Commercial real estate, other Pass $ 68,889 $ 21,841 $ 19,098 $ 36,157 $ 22,697 $ 13,279 $ 701 $ - $ 182,662 Commercial and industrial Pass $ 6,004 $ 438 $ 1,060 $ 12,667 $ 6,954 $ 6,938 $ 7,267 $ - $ 41,328 Classified 220 - - - 7 - - - 227 Total $ 6,224 $ 438 $ 1,060 $ 12,667 $ 6,961 $ 6,938 $ 7,267 $ - $ 41,555 YTD gross charge-offs $ - $ 12 $ - $ - $ - $ 12 $ 190 $ - $ 214 Public sector and IDA Pass $ 20,817 $ - $ 235 $ 26,702 $ 6,335 $ 6,462 $ - $ - $ 60,551 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,668 $ - $ 4,668 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 39 $ - $ 39 Automobile Pass $ 78 $ 204 $ 563 $ 1,619 $ 2,750 $ 7,047 $ - $ - $ 12,261 YTD gross charge-offs $ - $ 3 $ - $ 1 $ 38 $ - $ - $ - $ 42 Other Consumer Pass $ 93 $ 334 $ 811 $ 1,943 $ 5,815 $ 12,356 $ 672 $ - $ 22,024 Special mention - - - - - 17 - - 17 Classified - - - - 11 15 - - 26 Total $ 93 $ 334 $ 811 $ 1,943 $ 5,826 $ 12,388 $ 672 $ - $ 22,067 YTD gross charge-offs $ - $ - $ - $ 19 $ 52 $ 95 $ - $ - $ 166 Total Loans Pass $ 238,797 $ 47,892 $ 87,156 $ 187,901 $ 152,964 $ 90,825 $ 40,983 $ 113 $ 846,631 Special mention 6,396 - - - - 17 - - 6,413 Classified 3,763 - - 286 18 15 49 - 4,131 Total $ 248,956 $ 47,892 $ 87,156 $ 188,187 $ 152,982 $ 90,857 $ 41,032 $ 113 $ 857,175 YTD gross charge-offs $ - $ 15 $ 17 $ 20 $ 90 $ 107 $ 229 $ - $ 478 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. Two loans were modified for borrowers experiencing financial difficulty during the first three 2024. second three June 30, 2024. three six June 30, 2023. The following table presents information as of June 30, 2024 six June 30, 2024. June 30, 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 0.01 % Term extension Renewal of single-payment note for an additional 3 months. The following table presents information as of June 30, 2023 six June 30, 2023. June 30, 2023 Amortized Cost Basis % of Class Type of Modification Financial Effect Commercial Real Estate Commercial real estate owner-occupied $ 6,396 5.40 % Interest only payments 6 months of interest only payments, re-amortization of the balance to contractual maturity. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty. Both loans are in current status as of June 30, 2024. There were no loans to borrowers experiencing financial difficulty that had a payment default during the three six June 30, 2024 2023 twelve 90 Residential Real Estate Loans In Process of Foreclosure As of June 30, 2024, two 1 4 December 31, 2023, one 1 4 ACL for Unfunded Commitments The following tables present the balance and activity in the ACL for unfunded commitments for the six June 30, 2024 2023: Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2023 $ 259 Recovery of credit losses (15 ) FCB acquisition 7 Balance, June 30, 2024 $ 251 Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2022 $ 35 Adoption of ASU 2016-13 207 Recovery of credit losses (9 ) Balance, June 30, 2023 $ 233

Note 4 - Securities

Note 4 - Securities	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 4: 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: June 30, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 353,018 $ - $ 44,205 $ 308,813 States and political subdivisions 178,435 - 32,433 146,002 Mortgage-backed securities 149,839 27 6,120 143,746 Corporate debt securities 6,506 - 849 5,657 U.S. treasury 998 - 20 978 Total securities available for sale $ 688,796 $ 27 $ 83,627 $ 605,196 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 June 30, 2024 December 31, 2023. Accrued interest receivable on securities, included in accrued interest receivable on the Consolidated Balance Sheets, totaled $3,263 at June 30, 2024 December 31, 2023. The deferred tax asset for the net unrealized loss on securities available for sale was $17,556 as of June 30, 2024 December 31, 2023. The amortized cost and fair value of single maturity securities available for sale at June 30, 2024, may may June 30, 2024 Amortized Cost Fair Value Available for Sale: Due in one year or less $ 20,010 $ 19,618 Due after one year through five years 187,697 172,569 Due after five years through ten years 268,663 227,654 Due after ten years 212,426 185,355 Total securities available for sale $ 688,796 $ 605,196 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. June 30, 2024 Less Than 12 Months 12 Months or More Fair Gross Unrealized Fair Gross Unrealized U.S. government agencies and corporations $ - $ - $ 308,813 $ 44,205 State and political subdivisions 882 120 145,120 32,313 Mortgage-backed securities 520 1 121,951 6,119 Corporate debt securities - - 5,657 849 U.S. treasury - - 978 20 Total temporarily impaired securities $ 1,402 $ 121 $ 582,519 $ 83,506 December 31, 2023 Less Than 12 Months 12 Months or More Fair Gross Unrealized Fair Gross Unrealized U.S. government agencies and corporations $ - $ - $ 311,844 $ 42,060 State and political subdivisions 884 1 148,763 29,613 Mortgage-backed securities 1,616 26 147,922 6,698 Corporate debt securities - - 5,750 754 U.S. treasury - - 963 33 Total temporarily impaired securities $ 2,500 $ 27 $ 615,242 $ 79,158 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 June 30, 2024, No no June 30, 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 June 30, 2024. June 30, 2024, not Realized Securities Gains and Losses The Company initiated sale of FCB’s securities portfolio upon completion of the acquisition, and no first six 2023,

Note 5 - Defined Benefit Plan

Note 5 - Defined Benefit Plan	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Retirement Benefits [Text Block]	Note 5: The following table presents components of Net Periodic Benefit Cost for the periods indicated: Pension Benefits Three Months Ended June 30, 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 ) Pension Benefits Six Months Ended June 30, 2024 2023 Service cost $ 522 $ 406 Interest cost 604 546 Expected return on plan assets (1,216 ) (1,036 ) Amortization of prior service cost - - Recognized net actuarial loss 66 34 Net periodic benefit income $ (24 ) $ (50 ) 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 6 - Fair Value Measurement

Note 6 - Fair Value Measurements	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 6: 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 June 30, 2024 Balance Level 1 Level 2 Level 3 U.S. government agencies and corporations $ 308,813 $ - $ 308,813 $ - States and political subdivisions 146,002 - 146,002 - Mortgage-backed securities 143,746 - 143,746 - Corporate debt securities 5,657 - 5,657 - U.S. treasury 978 - 978 - Total securities available for sale $ 605,196 $ - $ 605,196 $ - 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 As of June 30, 2024, one one December 31, 2023, one Fair Value Measurement Using June 30, 2024 Balance (Level 1) (Level 2) (Level 3) Interest rate loan contract $ 1 $ - $ - $ 1 Forward sale commitment $ (2 ) $ - $ - $ (2 ) June 30, 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 101.21% (3) Forward sale commitment Market approach Current reference price 100.08% - 102.00% (101.12%) (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 June 30, 2024. December 31, 2023. Collateral Dependent Loans Collateral dependent loans are measured on a non-recurring basis for the ACLL. 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 June 30, 2024, one three two third 2 one 3 None 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 June 30, 2024 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 14,908 $ 14,908 $ - $ - Federal funds sold 3,499 3,499 Interest-bearing deposits 80,477 80,477 - - Securities available for sale 605,196 - 605,196 - Restricted stock, at cost 1,752 - 1,752 - Mortgage loans held for sale 125 - 125 - Loans, net 978,865 - - 919,403 Accrued interest receivable 6,615 - 6,615 - Bank-owned life insurance 46,775 - 46,775 - Interest rate loan contract 1 - - 1 Financial liabilities: Deposits $ 1,645,052 $ - $ 1,340,993 $ 303,497 Accrued interest payable 2,525 - 2,525 - 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 7 - Components of Accumula

Note 7 - Components of Accumulated Other Comprehensive Loss	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 7: 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 March 31, 2023 $ (69,692 ) $ (2,345 ) $ (72,037 ) Unrealized holding loss on available for sale securities, net of tax of ($ 1,289 (4,848 ) - (4,848 ) Reclassification adjustment, net of tax of $ 702 2,642 - 2,642 Balance at June 30, 2023 $ (71,898 ) $ (2,345 ) $ (74,243 ) Balance at March 31, 2024 $ (65,894 ) $ (2,310 ) $ (68,204 ) Unrealized holding loss on available for sale securities, net of tax of ($ 40 (150 ) - (150 ) Balance at June 30, 2024 $ (66,044 ) $ (2,310 ) $ (68,354 ) 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 $ 1,831 6,891 - 6,891 Reclassification adjustment, net of tax of $ 700 2,632 - 2,632 Balance at June 30, 2023 $ (71,898 ) $ (2,345 ) $ (74,243 ) Balance at December 31, 2023 $ (62,556 ) $ (2,310 ) $ (64,866 ) Unrealized holding loss on available for sale securities, net of tax of ($ 927 (3,488 ) - (3,488 ) Balance at June 30, 2024 $ (66,044 ) $ (2,310 ) $ (68,354 )

Note 8 - Revenue Recognition

Note 8 - Revenue Recognition	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	Note 8: 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" 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 other real estate owned ("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 Ended June 30, Noninterest Income 2024 2023 In-scope of Topic 606: Service charges on deposit accounts $ 722 $ 637 Other service charges and fees 48 49 Credit and debit card fees, net 423 414 Trust income 513 481 Insurance and Investment (included within Other Income in the Consolidated Statements of Income) 126 112 Noninterest Income (in-scope of Topic 606) $ 1,832 $ 1,693 Noninterest Income (out-of-scope of Topic 606) 414 1,098 Total noninterest income $ 2,246 $ 2,791 Six Months Ended June 30, Noninterest Income 2024 2023 In-scope of Topic 606: Service charges on deposit accounts $ 1,397 $ 1,229 Other service charges and fees 94 102 Credit and debit card fees, net 797 881 Trust income 1,016 926 Insurance and Investment (included within Other Income in the Consolidated Statements of Income) 432 397 Noninterest Income (in-scope of Topic 606) $ 3,736 $ 3,535 Noninterest Income (out-of-scope of Topic 606) 709 1,455 Total noninterest income $ 4,445 $ 4,990

Note 9 - Leases

Note 9 - Leases	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note 9: The Company’s leases are recorded under ASC Topic 842, 12 not not not On June 1, 2024, two Lease payments Short-term lease payments 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. Operating and finance lease payments may not Options to Extend, Residual Value Guarantees, Restrictions and Covenants Certain of the Company’s operating leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liabilities to the extent the options are reasonably certain of being exercised. The lease agreements do not no The following tables present information about leases as of the dates and for the periods indicated: June 30, 2024 December 31, 2023 Lease liability $ 1,506 $ 1,127 Right-of-use asset $ 1,476 $ 1,096 Weighted average remaining lease term (in years) 5.03 4.39 Weighted average discount rate 3.84 % 3.29 % For the Three Months Ended June 30, Lease Expense 2024 2023 Operating lease expense $ 99 $ 92 Short-term lease expense 6 - Total lease expense $ 105 $ 92 Cash paid for amounts included in lease liabilities $ 104 $ 92 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 548 $ - For the Six Months Ended June 30, Lease Expense 2024 2023 Operating lease expense $ 188 $ 184 Short-term lease expense 11 1 Total lease expense $ 199 $ 185 Cash paid for amounts included in lease liabilities $ 199 $ 186 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 548 $ - 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 June 30, 2024 Twelve months ending June 30, 2025 $ 420 Twelve months ending June 30, 2026 322 Twelve months ending June 30, 2027 286 Twelve months ending June 30, 2028 272 Twelve months ending June 30, 2029 194 Thereafter 173 Total undiscounted cash flows $ 1,667 Less: discount (161 ) Lease liability $ 1,506

Note 10 - Stock Based Compensat

Note 10 - Stock Based Compensation	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 10: The Company’s 2023 May 9, 2023. may March 28, 2024 8 June 7, 2023. Restricted Stock Awards Under the Plan, non-employee directors receive restricted stock awards (“RSAs”) each June December. one three six June 30, 2024. June 30, 2024, 12 six June 30, 2024 Shares Weighted-Average Grant-Date Fair Value Nonvested at January 1, 2024 4,095 $ 30.73 Granted 2,796 30.00 Vested and released (2,052 ) 30.70 Nonvested at June 30, 2024 4,839 $ 30.32

Note 11 - Net (Loss) Income Per

Note 11 - Net (Loss) Income Per Share	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 11: The factors used in the computation of net (loss) income per share computation for the periods indicated are presented below: For the Three Months Ended June 30, 2024 2023 Net Loss (Numerator) Common Shares 1 (Denominator) Per Share Net Income (Numerator) Common Shares 1 (Denominator) Per Share Basic net (loss) income per common share $ (306 ) 6,028,220 $ (0.05 ) $ 3,901 5,889,687 $ 0.66 Dilutive shares for restricted stock awards: - 361 Diluted net (loss) income per common share $ (306 ) 6,028,220 $ (0.05 ) $ 3,901 5,890,048 $ 0.66 ( 1 Weighted average outstanding For the Six Months Ended June 30, 2024 2023 Net Income (Numerator) Common Shares 1 (Denominator) Per Share Net Income (Numerator) Common Shares 1 (Denominator) Per Share Basic net income per common share $ 1,868 5,958,953 $ 0.31 $ 8,432 5,889,687 $ 1.43 Dilutive shares for restricted stock awards: 2,084 181 Diluted net income per common share $ 1,868 5,961,037 $ 0.31 $ 8,432 5,889,868 $ 1.43 RSA grants are disregarded in the computation of diluted net income per share if they are determined to be anti-dilutive. There were no three six June 30, 2024 June 30, 2023.

Note 12 - Goodwill and Other In

Note 12 - Goodwill and Other Intangibles	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 12 Goodwill and Other Intangibles The aggregate amortization expense was $35 for the three six June 30, 2024. June 30, 2024. Gross Carrying Amount Additions Measurement Period Adjustment Accumulated Amortization Net Carrying Amount Goodwill $ 5,848 $ 4,874 $ 11 $ - $ 10,733 Core deposit intangible $ - $ 2,100 $ - $ (35 ) $ 2,065 At June 30, 2024, December 31, Amortization Expense 2024 $ 202 2025 373 2026 331 2027 290 2028 248 Thereafter 621 Total amortizing core deposit intangible $ 2,065

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]		5. Other Information (a) None. (b) None. (c) During the fiscal quarter ended June 30, 2024, none 16a 1 1934 10b5 1 10b5 1 408
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 - Business Combination (

Note 2 - Business Combination (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Business Acquisitions, by Acquisition [Table Text Block]	June 1, 2024 As Recorded by FCB Estimated Fair Value Adjustments Estimated Fair Values as Recorded by NBI Purchase Price Consideration: Stock consideration (1) $ 14,299 Cash consideration (2) 2,050 Total purchase price consideration $ 16,349 Identifiable assets: Cash and cash equivalents $ 8,993 $ (59 ) $ 8,934 Securities 9,325 (5 ) 9,320 Loans, gross, purchased performing 115,589 (7,720 ) 107,869 Loans, gross, purchased credit deteriorated 11,157 (822 ) 10,335 Loans in process 539 - 539 Deferred fees and costs on loans 34 (34 ) - Allowance for credit losses on loans (881 ) 881 - Premises and equipment 3,003 449 3,452 Core deposit intangible - 2,100 2,100 Other assets 4,998 966 5,964 Total identifiable assets acquired $ 152,757 $ (4,244 ) $ 148,513 Identifiable Liabilities Deposits 130,323 (606 ) $ 129,717 Borrowings 5,250 (20 ) 5,230 Other liabilities 1,960 131 2,091 Total identifiable liabilities assumed $ 137,533 $ (495 ) $ 137,038 Provisional fair value of net assets acquired $ 11,475 Provisional goodwill $ 4,874 June 1, 2024 PCD Loans Non-PCD Loans Number of loans 46 498 FCB recorded value $ 11,157 $ 115,589 Discount for credit risk (295 ) (498 ) Discount for non-credit factors (527 ) (7,222 ) Fair value $ 10,335 $ 107,869

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	June 30, 2024 December 31, 2023 Real estate construction $ 81,355 $ 55,379 Consumer real estate 299,310 241,564 Commercial real estate 454,978 419,130 Commercial non real estate 52,297 41,555 Public sector and IDA 59,043 60,551 Consumer non real estate 42,915 38,996 Gross loans $ 989,898 $ 857,175 Less unearned income and deferred fees and costs (531 ) (529 ) Loans, net of unearned income and deferred fees and costs $ 989,367 $ 856,646 Allowance for credit losses on loans (10,502 ) (9,094 ) Total loans, net $ 978,865 $ 847,552
Financing Receivable, Past Due [Table Text Block]	June 30, 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 $ 22,801 $ 140 $ - $ - $ 22,941 $ - Construction, other 58,264 150 - - 58,414 - Consumer Real Estate Equity line 21,751 6 - - 21,757 - Residential closed-end first liens 164,517 353 118 - 164,988 118 Residential closed-end junior liens 6,582 11 - - 6,593 - Investor-owned residential real estate 105,716 256 - - 105,972 - Commercial Real Estate Multifamily residential real estate 120,601 190 - - 120,791 - Commercial real estate owner-occupied 135,121 720 - 2,307 138,148 220 Commercial real estate, other 196,039 - - - 196,039 - Commercial Non Real Estate Commercial and industrial 51,852 199 46 200 52,297 46 Public Sector and IDA States and political subdivisions 59,043 - - - 59,043 - Consumer Non Real Estate Credit cards 4,763 2 - - 4,765 - Automobile 13,482 264 13 - 13,759 13 Other consumer loans 24,170 164 57 - 24,391 57 Total $ 984,702 $ 2,455 $ 234 $ 2,507 $ 989,898 $ 454 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 June 30, 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 $ 2,087 $ 220 $ 2,307 $ 2,177 $ 231 $ 2,408 Commercial Non Real Estate Commercial and industrial - 200 200 - 221 221 Total $ 2,087 $ 420 $ 2,507 $ 2,177 $ 452 $ 2,629
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Activity in the ACLL for the Six Months Ended June 30, 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 - - - (20 ) - (157 ) - (177 ) Recoveries - - 29 3 - 71 - 103 Provision for (recovery of) credit losses 131 376 594 79 (10 ) 87 50 1,307 Merger adjustment (1) 10 97 55 4 - 9 - 175 Balance, June 30, 2024 $ 549 $ 3,635 $ 4,254 $ 748 $ 323 $ 593 $ 400 $ 10,502 Activity in the ACLL for the Six Months Ended June 30, 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 ) - (11 ) - (132 ) - (160 ) Recoveries - 102 25 3 - 77 - 207 Provision for (recovery of) credit losses 47 (180 ) (26 ) 78 (3 ) 70 26 12 Balance, June 30, 2023 $ 476 $ 3,365 $ 4,341 $ 1,216 $ 301 $ 593 $ 334 $ 10,626 Activity in the ACLL 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]	ACLL by Segment and Evaluation Method June 30, 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 $ - $ 114 $ 391 $ 117 $ - $ 22 $ - $ 644 Collectively evaluated 549 3,521 3,863 631 323 571 400 9,858 Total $ 549 $ 3,635 $ 4,254 $ 748 $ 323 $ 593 $ 400 $ 10,502 ACLL 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 June 30, 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 $ 276 $ 2,259 $ 10,452 $ 305 $ - $ 179 $ 13,471 Collectively evaluated 81,079 297,051 444,526 51,992 59,043 42,736 976,427 Total $ 81,355 $ 299,310 $ 454,978 $ 52,297 $ 59,043 $ 42,915 $ 989,898 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]	June 30, 2024 December 31, 2023 Balance Related Allowance Balance Related Allowance Consumer Real Estate Residential closed-end first lien $ 84 $ - $ 7 $ - Commercial Real Estate Commercial real estate, owner occupied 2,087 - 2,177 - Commercial real estate, other 883 - - - Total Loans $ 3,054 $ - $ 2,184 $ -
Financing Receivable Credit Quality Indicators [Table Text Block]	Term Loans Amortized Cost Basis by Origination Year Revolving Loans June 30, 2024 Prior 2020 2021 2022 2023 2024 Revolving Converted to Term Total Construction, residential Pass $ 177 $ 62 $ 269 $ 1,625 $ 6,504 $ 1,105 $ 13,199 $ - $ 22,941 Construction, other Pass $ 4,080 $ 1,141 $ 7,929 $ 26,139 $ 5,663 $ 6,964 $ 6,222 $ - $ 58,138 Classified - - 276 - - - - - 276 Total $ 4,080 $ 1,141 $ 8,205 $ 26,139 $ 5,663 $ 6,964 $ 6,222 $ - $ 58,414 Equity lines Pass $ 554 $ 329 $ 429 $ 528 $ 938 $ 171 $ 18,763 $ 45 $ 21,757 Residential closed-end first liens Pass $ 42,736 $ 18,555 $ 35,607 $ 36,891 $ 17,900 $ 12,087 $ - $ 268 $ 164,044 Special Mention 370 - - - - - - - 370 Classified 574 - - - - - - - 574 Total $ 43,680 $ 18,555 $ 35,607 $ 36,891 $ 17,900 $ 12,087 $ - $ 268 $ 164,988 Residential closed-end junior liens Pass $ 1,679 $ - $ 290 $ 2,081 $ 1,652 $ 891 $ - $ - $ 6,593 Investor-owned residential real estate Pass $ 30,684 $ 23,613 $ 19,627 $ 16,561 $ 8,638 $ 2,775 $ 2,800 $ - $ 104,698 Special Mention - - - 142 166 - - - 308 Classified 759 - 168 39 - - - - 966 Total $ 31,443 $ 23,613 $ 19,795 $ 16,742 $ 8,804 $ 2,775 $ 2,800 $ - $ 105,972 Multifamily residential real estate Pass $ 40,686 $ 2,114 $ 40,445 $ 28,096 $ 8,866 $ 442 $ 142 $ - $ 120,791 Commercial real estate, owner occupied Pass $ 55,824 $ 25,096 $ 7,778 $ 23,749 $ 10,695 $ 1,377 $ 4,064 $ 85 $ 128,668 Special mention 6,396 - - - - - - - 6,396 Classified 2,307 759 - - - - 18 - 3,084 Total $ 64,527 $ 25,855 $ 7,778 $ 23,749 $ 10,695 $ 1,377 $ 4,082 $ 85 $ 138,148 Commercial real estate, other Pass $ 93,009 $ 18,641 $ 38,340 $ 24,225 $ 17,239 $ 2,118 $ 1,771 $ - $ 195,343 Special Mention 696 - - - - - - - 696 Total $ 93,705 $ 18,641 $ 38,340 $ 24,225 $ 17,239 $ 2,118 $ 1,771 $ - $ 196,039 Commercial and industrial Pass $ 6,673 $ 2,412 $ 12,702 $ 6,415 $ 7,282 $ 4,292 $ 12,218 $ - $ 51,994 Special Mention - - - - - - 96 - 96 Classified 200 - - 7 - - - - 207 Total $ 6,873 $ 2,412 $ 12,702 $ 6,422 $ 7,282 $ 4,292 $ 12,314 $ - $ 52,297 YTD gross charge-offs $ 20 $ 20 Public sector and IDA Pass $ 20,062 $ 227 $ 26,162 $ 6,130 $ 6,462 $ - $ - $ - $ 59,043 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,765 $ - $ 4,765 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 33 $ - $ 33 Automobile Pass $ 111 $ 404 $ 1,139 $ 2,181 $ 5,946 $ 3,894 $ - $ - $ 13,675 Special Mention - - - - 4 - - - 4 Classified - - - - 69 11 - - 80 Total $ 111 $ 404 $ 1,139 $ 2,181 $ 6,019 $ 3,905 $ - $ - $ 13,759 Other consumer Pass $ 322 $ 594 $ 1,318 $ 3,530 $ 8,901 $ 8,930 $ 698 $ - $ 24,293 Special Mention - - 2 - 13 11 - - 26 Classified - - 49 - 23 - - - 72 Total $ 322 $ 594 $ 1,369 $ 3,530 $ 8,937 $ 8,941 $ 698 $ - $ 24,391 YTD gross charge-offs $ - $ 4 $ 9 $ 17 $ 51 $ 43 $ - $ - $ 124 Total Loans Pass $ 296,597 $ 93,188 $ 192,035 $ 178,151 $ 106,686 $ 45,046 $ 64,642 $ 398 $ 976,743 Special Mention 7,462 - 2 142 183 11 96 - 7,896 Classified 3,840 759 493 46 92 11 18 - 5,259 Total $ 307,899 $ 93,947 $ 192,530 $ 178,339 $ 106,961 $ 45,068 $ 64,756 $ 398 $ 989,898 YTD gross charge-offs $ - $ 4 $ 9 $ 17 $ 51 $ 43 $ 53 $ - $ 177 Term Loans Amortized Cost Basis by Origination Year Revolving Loans December 31, 2023 Prior 2019 2020 2021 2022 2023 Revolving Converted to Term Total Construction, residential Pass $ - $ - $ 246 $ 158 $ 3,275 $ 5,157 $ 4,606 $ - $ 13,442 Construction, other Pass $ 2,741 $ 1,094 $ 1,305 $ 12,671 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,651 Classified - - - 286 - - - - 286 Total $ 2,741 $ 1,094 $ 1,305 $ 12,957 $ 17,397 $ 4,884 $ 1,559 $ - $ 41,937 Equity lines Pass $ 51 $ - $ - $ - $ - $ - $ 17,182 $ - $ 17,233 Classified - - - - - - 49 - 49 Total $ 51 $ - $ - $ - $ - $ - $ 17,231 $ - $ 17,282 Residential closed-end first liens Pass $ 32,404 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,253 Classified 426 - - - - - - - 426 Total $ 32,830 $ 5,806 $ 14,634 $ 31,414 $ 29,787 $ 11,208 $ - $ - $ 125,679 YTD gross charge-offs $ - $ - $ 17 $ - $ - $ - $ - $ - $ 17 Residential closed-end junior liens Pass $ 1,499 $ 116 $ - $ 172 $ 1,387 $ 1,850 $ - $ 15 $ 5,039 Investor-owned residential real estate Pass $ 24,556 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 92,856 Classified 708 - - - - - - - 708 Total $ 25,264 $ 5,162 $ 23,649 $ 19,062 $ 14,166 $ 4,880 $ 1,283 $ 98 $ 93,564 Multifamily residential real estate Pass $ 40,092 $ 1,806 $ 2,148 $ 40,544 $ 25,681 $ 8,850 $ 126 $ - $ 119,247 Commercial real estate, owner occupied Pass $ 41,573 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 108,416 Special mention 6,396 - - - - - - - 6,396 Classified 2,409 - - - - - - - 2,409 Total $ 50,378 $ 11,091 $ 23,407 $ 4,792 $ 16,720 $ 7,914 $ 2,919 $ - $ 117,221 Commercial real estate, other Pass $ 68,889 $ 21,841 $ 19,098 $ 36,157 $ 22,697 $ 13,279 $ 701 $ - $ 182,662 Commercial and industrial Pass $ 6,004 $ 438 $ 1,060 $ 12,667 $ 6,954 $ 6,938 $ 7,267 $ - $ 41,328 Classified 220 - - - 7 - - - 227 Total $ 6,224 $ 438 $ 1,060 $ 12,667 $ 6,961 $ 6,938 $ 7,267 $ - $ 41,555 YTD gross charge-offs $ - $ 12 $ - $ - $ - $ 12 $ 190 $ - $ 214 Public sector and IDA Pass $ 20,817 $ - $ 235 $ 26,702 $ 6,335 $ 6,462 $ - $ - $ 60,551 Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4,668 $ - $ 4,668 YTD gross charge-offs $ - $ - $ - $ - $ - $ - $ 39 $ - $ 39 Automobile Pass $ 78 $ 204 $ 563 $ 1,619 $ 2,750 $ 7,047 $ - $ - $ 12,261 YTD gross charge-offs $ - $ 3 $ - $ 1 $ 38 $ - $ - $ - $ 42 Other Consumer Pass $ 93 $ 334 $ 811 $ 1,943 $ 5,815 $ 12,356 $ 672 $ - $ 22,024 Special mention - - - - - 17 - - 17 Classified - - - - 11 15 - - 26 Total $ 93 $ 334 $ 811 $ 1,943 $ 5,826 $ 12,388 $ 672 $ - $ 22,067 YTD gross charge-offs $ - $ - $ - $ 19 $ 52 $ 95 $ - $ - $ 166 Total Loans Pass $ 238,797 $ 47,892 $ 87,156 $ 187,901 $ 152,964 $ 90,825 $ 40,983 $ 113 $ 846,631 Special mention 6,396 - - - - 17 - - 6,413 Classified 3,763 - - 286 18 15 49 - 4,131 Total $ 248,956 $ 47,892 $ 87,156 $ 188,187 $ 152,982 $ 90,857 $ 41,032 $ 113 $ 857,175 YTD gross charge-offs $ - $ 15 $ 17 $ 20 $ 90 $ 107 $ 229 $ - $ 478
Financing Receivable, Modified [Table Text Block]	June 30, 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 0.01 % Term extension Renewal of single-payment note for an additional 3 months. June 30, 2023 Amortized Cost Basis % of Class Type of Modification Financial Effect Commercial Real Estate Commercial real estate owner-occupied $ 6,396 5.40 % Interest only payments 6 months of interest only payments, re-amortization of the balance to contractual maturity.
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 ) FCB acquisition 7 Balance, June 30, 2024 $ 251 Allowance for Credit Losses on Unfunded Commitments Balance, December 31, 2022 $ 35 Adoption of ASU 2016-13 207 Recovery of credit losses (9 ) Balance, June 30, 2023 $ 233

Note 4 - Securities (Tables)

Note 4 - Securities (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	June 30, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government agencies and corporations $ 353,018 $ - $ 44,205 $ 308,813 States and political subdivisions 178,435 - 32,433 146,002 Mortgage-backed securities 149,839 27 6,120 143,746 Corporate debt securities 6,506 - 849 5,657 U.S. treasury 998 - 20 978 Total securities available for sale $ 688,796 $ 27 $ 83,627 $ 605,196 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]	June 30, 2024 Amortized Cost Fair Value Available for Sale: Due in one year or less $ 20,010 $ 19,618 Due after one year through five years 187,697 172,569 Due after five years through ten years 268,663 227,654 Due after ten years 212,426 185,355 Total securities available for sale $ 688,796 $ 605,196
Gain (Loss) on Securities [Table Text Block]	June 30, 2024 Less Than 12 Months 12 Months or More Fair Gross Unrealized Fair Gross Unrealized U.S. government agencies and corporations $ - $ - $ 308,813 $ 44,205 State and political subdivisions 882 120 145,120 32,313 Mortgage-backed securities 520 1 121,951 6,119 Corporate debt securities - - 5,657 849 U.S. treasury - - 978 20 Total temporarily impaired securities $ 1,402 $ 121 $ 582,519 $ 83,506 December 31, 2023 Less Than 12 Months 12 Months or More Fair Gross Unrealized Fair Gross Unrealized U.S. government agencies and corporations $ - $ - $ 311,844 $ 42,060 State and political subdivisions 884 1 148,763 29,613 Mortgage-backed securities 1,616 26 147,922 6,698 Corporate debt securities - - 5,750 754 U.S. treasury - - 963 33 Total temporarily impaired securities $ 2,500 $ 27 $ 615,242 $ 79,158

Note 5 - Defined Benefit Plan (

Note 5 - Defined Benefit Plan (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	Pension Benefits Three Months Ended June 30, 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 ) Pension Benefits Six Months Ended June 30, 2024 2023 Service cost $ 522 $ 406 Interest cost 604 546 Expected return on plan assets (1,216 ) (1,036 ) Amortization of prior service cost - - Recognized net actuarial loss 66 34 Net periodic benefit income $ (24 ) $ (50 )

Note 6 - Fair Value Measureme_2

Note 6 - Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurement Using June 30, 2024 Balance Level 1 Level 2 Level 3 U.S. government agencies and corporations $ 308,813 $ - $ 308,813 $ - States and political subdivisions 146,002 - 146,002 - Mortgage-backed securities 143,746 - 143,746 - Corporate debt securities 5,657 - 5,657 - U.S. treasury 978 - 978 - Total securities available for sale $ 605,196 $ - $ 605,196 $ - 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 June 30, 2024 Balance (Level 1) (Level 2) (Level 3) Interest rate loan contract $ 1 $ - $ - $ 1 Forward sale commitment $ (2 ) $ - $ - $ (2 ) June 30, 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 101.21% (3) Forward sale commitment Market approach Current reference price 100.08% - 102.00% (101.12%) (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 June 30, 2024 Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 14,908 $ 14,908 $ - $ - Federal funds sold 3,499 3,499 Interest-bearing deposits 80,477 80,477 - - Securities available for sale 605,196 - 605,196 - Restricted stock, at cost 1,752 - 1,752 - Mortgage loans held for sale 125 - 125 - Loans, net 978,865 - - 919,403 Accrued interest receivable 6,615 - 6,615 - Bank-owned life insurance 46,775 - 46,775 - Interest rate loan contract 1 - - 1 Financial liabilities: Deposits $ 1,645,052 $ - $ 1,340,993 $ 303,497 Accrued interest payable 2,525 - 2,525 - 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 7 - Components of Accumu_2

Note 7 - Components of Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
	Jun. 30, 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 March 31, 2023 $ (69,692 ) $ (2,345 ) $ (72,037 ) Unrealized holding loss on available for sale securities, net of tax of ($ 1,289 (4,848 ) - (4,848 ) Reclassification adjustment, net of tax of $ 702 2,642 - 2,642 Balance at June 30, 2023 $ (71,898 ) $ (2,345 ) $ (74,243 ) Balance at March 31, 2024 $ (65,894 ) $ (2,310 ) $ (68,204 ) Unrealized holding loss on available for sale securities, net of tax of ($ 40 (150 ) - (150 ) Balance at June 30, 2024 $ (66,044 ) $ (2,310 ) $ (68,354 ) 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 $ 1,831 6,891 - 6,891 Reclassification adjustment, net of tax of $ 700 2,632 - 2,632 Balance at June 30, 2023 $ (71,898 ) $ (2,345 ) $ (74,243 ) Balance at December 31, 2023 $ (62,556 ) $ (2,310 ) $ (64,866 ) Unrealized holding loss on available for sale securities, net of tax of ($ 927 (3,488 ) - (3,488 ) Balance at June 30, 2024 $ (66,044 ) $ (2,310 ) $ (68,354 )

Note 8 - Revenue Recognition (T

Note 8 - Revenue Recognition (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended June 30, Noninterest Income 2024 2023 In-scope of Topic 606: Service charges on deposit accounts $ 722 $ 637 Other service charges and fees 48 49 Credit and debit card fees, net 423 414 Trust income 513 481 Insurance and Investment (included within Other Income in the Consolidated Statements of Income) 126 112 Noninterest Income (in-scope of Topic 606) $ 1,832 $ 1,693 Noninterest Income (out-of-scope of Topic 606) 414 1,098 Total noninterest income $ 2,246 $ 2,791 Six Months Ended June 30, Noninterest Income 2024 2023 In-scope of Topic 606: Service charges on deposit accounts $ 1,397 $ 1,229 Other service charges and fees 94 102 Credit and debit card fees, net 797 881 Trust income 1,016 926 Insurance and Investment (included within Other Income in the Consolidated Statements of Income) 432 397 Noninterest Income (in-scope of Topic 606) $ 3,736 $ 3,535 Noninterest Income (out-of-scope of Topic 606) 709 1,455 Total noninterest income $ 4,445 $ 4,990

Note 9 - Leases (Tables)

Note 9 - Leases (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Lease, Cost [Table Text Block]	June 30, 2024 December 31, 2023 Lease liability $ 1,506 $ 1,127 Right-of-use asset $ 1,476 $ 1,096 Weighted average remaining lease term (in years) 5.03 4.39 Weighted average discount rate 3.84 % 3.29 % For the Three Months Ended June 30, Lease Expense 2024 2023 Operating lease expense $ 99 $ 92 Short-term lease expense 6 - Total lease expense $ 105 $ 92 Cash paid for amounts included in lease liabilities $ 104 $ 92 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 548 $ - For the Six Months Ended June 30, Lease Expense 2024 2023 Operating lease expense $ 188 $ 184 Short-term lease expense 11 1 Total lease expense $ 199 $ 185 Cash paid for amounts included in lease liabilities $ 199 $ 186 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 548 $ -
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	Undiscounted Cash Flow for the Period As of June 30, 2024 Twelve months ending June 30, 2025 $ 420 Twelve months ending June 30, 2026 322 Twelve months ending June 30, 2027 286 Twelve months ending June 30, 2028 272 Twelve months ending June 30, 2029 194 Thereafter 173 Total undiscounted cash flows $ 1,667 Less: discount (161 ) Lease liability $ 1,506

Note 10 - Stock Based Compens_2

Note 10 - Stock Based Compensation (Tables)	6 Months Ended
	Jun. 30, 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 2,796 30.00 Vested and released (2,052 ) 30.70 Nonvested at June 30, 2024 4,839 $ 30.32

Note 11 - Net (Loss) Income P_2

Note 11 - Net (Loss) Income Per Share (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended June 30, 2024 2023 Net Loss (Numerator) Common Shares 1 (Denominator) Per Share Net Income (Numerator) Common Shares 1 (Denominator) Per Share Basic net (loss) income per common share $ (306 ) 6,028,220 $ (0.05 ) $ 3,901 5,889,687 $ 0.66 Dilutive shares for restricted stock awards: - 361 Diluted net (loss) income per common share $ (306 ) 6,028,220 $ (0.05 ) $ 3,901 5,890,048 $ 0.66 For the Six Months Ended June 30, 2024 2023 Net Income (Numerator) Common Shares 1 (Denominator) Per Share Net Income (Numerator) Common Shares 1 (Denominator) Per Share Basic net income per common share $ 1,868 5,958,953 $ 0.31 $ 8,432 5,889,687 $ 1.43 Dilutive shares for restricted stock awards: 2,084 181 Diluted net income per common share $ 1,868 5,961,037 $ 0.31 $ 8,432 5,889,868 $ 1.43

Note 12 - Goodwill and Other _2

Note 12 - Goodwill and Other Intangibles (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Intangible Assets and Goodwill [Table Text Block]	Gross Carrying Amount Additions Measurement Period Adjustment Accumulated Amortization Net Carrying Amount Goodwill $ 5,848 $ 4,874 $ 11 $ - $ 10,733 Core deposit intangible $ - $ 2,100 $ - $ (35 ) $ 2,065
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	Amortization Expense 2024 $ 202 2025 373 2026 331 2027 290 2028 248 Thereafter 621 Total amortizing core deposit intangible $ 2,065

Note 2 - Business Combination_2

Note 2 - Business Combination (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	Jun. 01, 2024	May 31, 2024
Share Price (in dollars per share)		$ 30.76
Frontier Community Bank [Member]
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares (in shares)	464,855
Business Acquisition, Share Price (in dollars per share)	$ 30.76
Business Acquisition, Cash Payment, Maximum Percentage of Consideration (in dollars per share)	$ 10
Payment for Shareholder Elections and Fractional Shares	$ 1,769
Business Acquisition, Outstanding and Vested Options Settlement Payment	$ 281
Frontier Community Bank [Member] | FCB Common Share [Member]
Business Acquisition, Share Price for Cash Payment of Fractional Shares and Option Settlement (in dollars per share)	$ 14.48

Note 2 - Business Combination -

Note 2 - Business Combination - Schedule of Business Acquisitions (Details) $ in Thousands		Jun. 01, 2024 USD ($)	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Goodwill, net			$ 10,733	$ 5,848
Frontier Community Bank [Member]
Stock consideration(1)	[1]	$ 14,299
Cash consideration (2)	[2]	2,050
Total purchase price consideration		16,349
Cash and cash equivalents		8,934
Securities		9,320
Deferred fees and costs on loans		0
Allowance for credit losses on loans		0
Premises and equipment		3,452
Core deposit intangible		2,100
Other assets		5,964
Total identifiable assets acquired		148,513
Deposits		129,717
Borrowings		5,230
Other liabilities		2,091
Total identifiable liabilities assumed		137,038
Provisional fair value of net assets acquired		11,475
Goodwill, net		4,874
Frontier Community Bank [Member] | Loans in Process [Member]
Loans, gross		539
Frontier Community Bank [Member] | Performing Financial Instruments [Member]
Loans, gross		107,869
Frontier Community Bank [Member] | Reported by FCB [Member]
Cash and cash equivalents		8,993
Securities		9,325
Deferred fees and costs on loans		34
Allowance for credit losses on loans		(881)
Premises and equipment		3,003
Core deposit intangible		0
Other assets		4,998
Total identifiable assets acquired		152,757
Deposits		130,323
Borrowings		5,250
Other liabilities		1,960
Total identifiable liabilities assumed		137,533
Frontier Community Bank [Member] | Reported by FCB [Member] | Loans in Process [Member]
Loans, gross		539
Frontier Community Bank [Member] | Reported by FCB [Member] | Performing Financial Instruments [Member]
Loans, gross		115,589
Frontier Community Bank [Member] | Scenario, Adjustment [Member]
Cash and cash equivalents		(59)
Securities		(5)
Deferred fees and costs on loans		(34)
Allowance for credit losses on loans		881
Premises and equipment		449
Core deposit intangible		2,100
Other assets		966
Total identifiable assets acquired		(4,244)
Deposits		(606)
Borrowings		(20)
Other liabilities		131
Total identifiable liabilities assumed		(495)
Frontier Community Bank [Member] | Scenario, Adjustment [Member] | Loans in Process [Member]
Loans, gross		0
Frontier Community Bank [Member] | Scenario, Adjustment [Member] | Performing Financial Instruments [Member]
Loans, gross		(7,720)
Frontier Community Bank [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans, gross		$ 10,335
Number of loans		46
Discount for credit risk		$ (295)
Discount for non-credit factors		(527)
Frontier Community Bank [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Reported by FCB [Member]
Loans, gross		11,157
Frontier Community Bank [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Scenario, Adjustment [Member]
Loans, gross		(822)
Frontier Community Bank [Member] | Financial Asset Acquired and No Credit Deterioration [Member]
Loans, gross		$ 107,869
Number of loans		498
Discount for credit risk		$ (498)
Discount for non-credit factors		(7,222)
Frontier Community Bank [Member] | Financial Asset Acquired and No Credit Deterioration [Member] | Reported by FCB [Member]
Loans, gross		$ 115,589
[1]The Company issued 464,855 shares of its common stock valued at $30.76 per share, which was the closing price of the Company’s common stock on May 31, 2024, the last day of trading prior to the consummation of the acquisition.[2]Cash consideration was paid for shareholder elections, fractional shares and to settle outstanding and vested stock options. The merger agreement provided for up to 10% of consideration to be paid in cash of $14.48 per FCB common share, at the shareholders’ election. Payments for shareholder elections and fractional shares totaled $1,769. Outstanding and vested options were settled at the difference between $14.48 and the strike price and totaled $281.

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Credit Losses (Details Textual) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023	Jun. 30, 2024 USD ($)	Jun. 30, 2023	Dec. 31, 2023 USD ($)
Financing Receivable, after Allowance for Credit Loss	$ 978,865		$ 978,865		$ 847,552
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	$ 3,352		$ 3,352		3,032
Financing Receivable, Modifications, Number of Contracts		1		1
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0	0	0
Acquired Loans [Member]
Financing Receivable, after Allowance for Credit Loss	$ 8,255		$ 8,255
Construction, 1-4 Family Residential [Member] | Real Estate Construction Portfolio Segment[Member]
Mortgage Loans in Process of Foreclosure, Amount	$ 123		$ 123		$ 7

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Credit Losses - Loan Portfolio, Excluding Loans Held for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 31, 2022
Gross loans	$ 989,898	$ 857,175
Less unearned income and deferred fees and costs	(531)	(529)
Loans, net of unearned income and deferred fees and costs	989,367	856,646
Allowance for credit losses on loans	(10,502)	(9,094)	$ (10,626)	$ (8,225)
Total loans, net	978,865	847,552
Real Estate Construction Portfolio Segment[Member]
Gross loans	81,355	55,379
Allowance for credit losses on loans	(549)	(408)	(476)	(450)
Consumer Real Estate Portfolio Segment [Member]
Gross loans	299,310	241,564
Allowance for credit losses on loans	(3,635)	(3,162)	(3,365)	(2,199)
Commercial Real Estate Portfolio Segment [Member]
Gross loans	454,978	419,130
Allowance for credit losses on loans	(4,254)	(3,576)	(4,341)	(3,642)
Commercial Non Real Estate Segment [Member]
Gross loans	52,297	41,555
Allowance for credit losses on loans	(748)	(682)	(1,216)	(930)
Public Sector and IDA Portfolio Segment[Member]
Gross loans	59,043	60,551
Allowance for credit losses on loans	(323)	(333)	(301)	(319)
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans	42,915	38,996
Allowance for credit losses on loans	$ (593)	$ (583)	$ (593)	$ (506)

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Credit Losses - Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands		Jun. 30, 2024	Dec. 31, 2023
Loans, gross		$ 989,898	$ 857,175
Loans 90 or more days past due and accruing		234	188
Nonaccruals		2,507	2,629
Nonaccruals, no allowance		2,087	2,177
Nonaccruals, with allowance		420	452
Financial Asset, Not Past Due [Member]
Loans, gross		984,702	852,712
Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	2,455	1,646
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, gross		454	419
Real Estate Construction Portfolio Segment[Member]
Loans, gross		81,355	55,379
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Loans, gross		22,941	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		22,801	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		140	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		58,414	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		58,264	41,916
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	150	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			17,282
Commercial Real Estate Portfolio Segment [Member]
Loans, gross		454,978	419,130
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans, gross		138,148	117,221
Loans 90 or more days past due and accruing		0	0
Nonaccruals		2,307	2,408
Nonaccruals, no allowance		2,087	2,177
Nonaccruals, with allowance		220	231
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		135,121	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]	720	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		220	231
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Loans, gross		120,791	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		120,601	119,052
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		190	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		196,039	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		196,039	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		52,297	41,555
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans, gross		52,297	41,555
Loans 90 or more days past due and accruing		46	28
Nonaccruals		200	221
Nonaccruals, no allowance		0	0
Nonaccruals, with allowance		200	221
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		51,852	41,249
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	199	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		46	28
Consumer Real Estate Portfolio Segment [Member]
Loans, gross		299,310	241,564
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Loans, gross		21,757	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		21,751	17,178
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross		6	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		164,988	125,679
Loans 90 or more days past due and accruing		118	131
Nonaccruals		0	0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		164,517	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]	353	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		118	131
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Loans, gross		6,593	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		6,582	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		105,972	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		105,716	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]	256	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		59,043	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		59,043	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		42,915	38,996
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans, gross		4,765	4,668
Loans 90 or more days past due and accruing		0	3
Nonaccruals		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		4,763	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]	2	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		0	3
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans, gross		13,759	12,261
Loans 90 or more days past due and accruing		13	0
Nonaccruals		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		13,482	12,126
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, gross	[1]	264	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		13	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans, gross		24,391	22,067
Loans 90 or more days past due and accruing		57	26
Nonaccruals		0	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, Not Past Due [Member]
Loans, gross		24,170	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]	164	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		$ 57	$ 26
[1]Includes accruing and nonaccrual loans past due 90 days or more.

Note 2 - Loans and Allowance fo

Note 2 - Loans and Allowance for Credit Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands		6 Months Ended		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Balance		$ 9,094	$ 8,225	$ 8,225
Charge-offs		(177)	(160)	(478)
Recoveries		103	207	283
Recovery of credit losses		1,307	12	(1,278)
Merger adjustment(1)	[1]	175
Balance		10,502	10,626	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		131	47	(21)
Merger adjustment(1)	[1]	10
Balance		549	476	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	(17)	(17)
Recoveries		0	102	103
Recovery of credit losses		376	(180)	(384)
Merger adjustment(1)	[1]	97
Balance		3,635	3,365	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		29	25	45
Recovery of credit losses		594	(26)	(811)
Merger adjustment(1)	[1]	55
Balance		4,254	4,341	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		(20)	(11)	(214)
Recoveries		3	3	6
Recovery of credit losses		79	78	(256)
Merger adjustment(1)	[1]	4
Balance		748	1,216	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		(10)	(3)	29
Merger adjustment(1)	[1]	0
Balance		323	301	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		(157)	(132)	(247)
Recoveries		71	77	129
Recovery of credit losses		87	70	123
Merger adjustment(1)	[1]	9
Balance		593	593	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		50	26	42
Merger adjustment(1)	[1]	0
Balance		$ 400	334	350
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance			$ 129	$ 129
[1]Adjustment for PCD acquired loans.

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Credit Losses - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 31, 2022
Allowance for loan losses	$ 10,502	$ 9,094	$ 10,626	$ 8,225
Loans, individually evaluated	13,471	10,544
Loans, collectively evaluated	976,427	846,631
Loans	989,898	857,175
Individually Evaluated [Member]
Allowance for loan losses	644	572
Collectively Evaluated [Member]
Allowance for loan losses	9,858	8,522
Real Estate Construction Portfolio Segment[Member]
Allowance for loan losses	549	408	476	450
Loans, individually evaluated	276	286
Loans, collectively evaluated	81,079	55,093
Loans	81,355	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	549	408
Consumer Real Estate Portfolio Segment [Member]
Allowance for loan losses	3,635	3,162	3,365	2,199
Loans, individually evaluated	2,259	1,183
Loans, collectively evaluated	297,051	240,381
Loans	299,310	241,564
Consumer Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	114	74
Consumer Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	3,521	3,088
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses	4,254	3,576	4,341	3,642
Loans, individually evaluated	10,452	8,805
Loans, collectively evaluated	444,526	410,325
Loans	454,978	419,130
Commercial Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	391	367
Commercial Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	3,863	3,209
Commercial Non Real Estate Segment [Member]
Allowance for loan losses	748	682	1,216	930
Loans, individually evaluated	305	227
Loans, collectively evaluated	51,992	41,328
Loans	52,297	41,555
Commercial Non Real Estate Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	117	126
Commercial Non Real Estate Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	631	556
Public Sector and IDA Portfolio Segment[Member]
Allowance for loan losses	323	333	301	319
Loans, individually evaluated	0	0
Loans, collectively evaluated	59,043	60,551
Loans	59,043	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	323	333
Consumer Non Real Estate Portfolio Segment [Member]
Allowance for loan losses	593	583	593	506
Loans, individually evaluated	179	43
Loans, collectively evaluated	42,736	38,953
Loans	42,915	38,996
Consumer Non Real Estate Portfolio Segment [Member] | Individually Evaluated [Member]
Allowance for loan losses	22	5
Consumer Non Real Estate Portfolio Segment [Member] | Collectively Evaluated [Member]
Allowance for loan losses	571	578
Unallocated Financing Receivables [Member]
Allowance for loan losses	400	350	$ 334	$ 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	$ 400	$ 350

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Credit Losses - Details of the Collateral Dependent Loan (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 31, 2022
Total Loans	$ 989,367	$ 856,646
Related allowance	10,502	9,094	$ 10,626	$ 8,225
Collateral Pledged [Member]
Total Loans	3,054	2,184
Related allowance	0	0
Consumer Real Estate Portfolio Segment [Member]
Related allowance	3,635	3,162	3,365	2,199
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Collateral Pledged [Member]
Total Loans	84	7
Related allowance	0	0
Commercial Real Estate Portfolio Segment [Member]
Related allowance	4,254	3,576	$ 4,341	$ 3,642
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Total Loans	2,970
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Collateral Pledged [Member]
Total Loans	2,087	2,177
Related allowance	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Collateral Pledged [Member]
Total Loans	883	0
Related allowance	$ 0	$ 0

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Credit Losses - Loans by Credit Quality Indicators (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Originated more than five years prior	$ 307,899		$ 248,956
Originated five years prior	93,947		47,892
Originated four years prior	192,530		87,156
Originated three years prior	178,339		188,187
Originated two years prior	106,961		152,982
Originated current year	45,068		90,857
Revolving	64,756		41,032
Revolving loans converted to term	398		113
Gross loans	989,898		857,175
Originated five years prior, write offs	4		15
Originated three years prior, write offs	17		20
YTD gross charge-offs	51		90
Originated current year, write offs	43		107
Revolving, write offs	53		229
Revolving loans converted to term, write offs	0		0
Loans charged against the allowance for credit losses	177	$ 160	478
YTD gross charge-offs			0
Originated four years prior, write offs	9		17
Pass [Member]
Originated more than five years prior	296,597		238,797
Originated five years prior	93,188		47,892
Originated four years prior	192,035		87,156
Originated three years prior	178,151		187,901
Originated two years prior	106,686		152,964
Originated current year	45,046		90,825
Revolving	64,642		40,983
Revolving loans converted to term	398		113
Gross loans	976,743		846,631
Classified Excluding Impaired [Member]
Originated more than five years prior	3,840		3,763
Originated five years prior	759		0
Originated four years prior	493		0
Originated three years prior	46		286
Originated two years prior	92		18
Originated current year	11		15
Revolving	18		49
Revolving loans converted to term	0		0
Gross loans	5,259		4,131
Special Mention [Member]
Originated more than five years prior	7,462		6,396
Originated five years prior	0		0
Originated four years prior	2		0
Originated three years prior	142		0
Originated two years prior	183		0
Originated current year	11		17
Revolving	96		0
Revolving loans converted to term	0		0
Gross loans	7,896		6,413
Real Estate Construction Portfolio Segment[Member]
Gross loans	81,355		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	177		0
Originated five years prior	62		0
Originated four years prior	269		246
Originated three years prior	1,625		158
Originated two years prior	6,504		3,275
Originated current year	1,105		5,157
Revolving	13,199		4,606
Revolving loans converted to term	0		0
Gross loans	22,941		13,442
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member]
Originated more than five years prior	4,080		2,741
Originated five years prior	1,141		1,094
Originated four years prior	8,205		1,305
Originated three years prior	26,139		12,957
Originated two years prior	5,663		17,397
Originated current year	6,964		4,884
Revolving	6,222		1,559
Revolving loans converted to term	0		0
Gross loans	58,414		41,937
Real Estate Construction Portfolio Segment[Member] | Construction, Other [Member] | Pass [Member]
Originated more than five years prior	4,080		2,741
Originated five years prior	1,141		1,094
Originated four years prior	7,929		1,305
Originated three years prior	26,139		12,671
Originated two years prior	5,663		17,397
Originated current year	6,964		4,884
Revolving	6,222		1,559
Revolving loans converted to term	0		0
Gross loans	58,138		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	276		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	276		286
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member]
Originated more than five years prior			51
Originated five years prior			0
Originated four years prior			0
Originated three years prior			0
Originated two years prior			0
Originated current year			0
Revolving			17,231
Revolving loans converted to term			0
Gross loans			17,282
Real Estate Construction Portfolio Segment[Member] | Equity Lines [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior			0
Originated five years prior			0
Originated four years prior			0
Originated three years prior			0
Originated two years prior			0
Originated current year			0
Revolving			49
Revolving loans converted to term			0
Gross loans			49
Consumer Real Estate Portfolio Segment [Member]
Gross loans	299,310		241,564
Loans charged against the allowance for credit losses	0	17	17
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Gross loans	21,757		17,282
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Pass [Member]
Originated more than five years prior	554		51
Originated five years prior	329		0
Originated four years prior	429		0
Originated three years prior	528		0
Originated two years prior	938		0
Originated current year	171		0
Revolving	18,763		17,182
Revolving loans converted to term	45		0
Gross loans	21,757		17,233
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Originated more than five years prior	43,680		32,830
Originated five years prior	18,555		5,806
Originated four years prior	35,607		14,634
Originated three years prior	36,891		31,414
Originated two years prior	17,900		29,787
Originated current year	12,087
Revolving	0		0
Revolving loans converted to term	268		0
Gross loans	164,988		125,679
Originated five years prior, write offs			0
Originated three years prior, write offs			0
YTD gross charge-offs			0
Originated current year, write offs			0
Revolving, write offs			0
Revolving loans converted to term, write offs			0
Loans charged against the allowance for credit losses			17
YTD gross charge-offs			0
Originated four years prior, write offs			17
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Pass [Member]
Originated more than five years prior	42,736		32,404
Originated five years prior	18,555		5,806
Originated four years prior	35,607		14,634
Originated three years prior	36,891		31,414
Originated two years prior	17,900		29,787
Originated current year	12,087		11,208
Revolving	0		0
Revolving loans converted to term	268		0
Gross loans	164,044		125,253
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	574		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	574		426
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Special Mention [Member]
Originated more than five years prior	370
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	370
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Gross loans	6,593		5,039
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Pass [Member]
Originated more than five years prior	1,679		1,499
Originated five years prior	0		116
Originated four years prior	290		0
Originated three years prior	2,081		172
Originated two years prior	1,652		1,387
Originated current year	891		1,850
Revolving	0		0
Revolving loans converted to term	0		15
Gross loans	6,593		5,039
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Originated more than five years prior	31,443		25,264
Originated five years prior	23,613		5,162
Originated four years prior	19,795		23,649
Originated three years prior	16,742		19,062
Originated two years prior	8,804		14,166
Originated current year			4,880
Revolving	2,800		1,283
Revolving loans converted to term	0		98
Gross loans	105,972		93,564
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Pass [Member]
Originated more than five years prior	30,684		24,556
Originated five years prior	23,613		5,162
Originated four years prior	19,627		23,649
Originated three years prior	16,561		19,062
Originated two years prior	8,638		14,166
Originated current year	2,775		4,880
Revolving	2,800		1,283
Revolving loans converted to term	0		98
Gross loans	104,698		92,856
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	759		708
Originated five years prior	0		0
Originated four years prior	168		0
Originated three years prior	39		0
Originated two years prior	0		0
Originated current year	0		0
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	966		708
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Special Mention [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	142
Originated two years prior	166
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	308
Commercial Real Estate Portfolio Segment [Member]
Gross loans	454,978		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	120,791		119,247
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Pass [Member]
Originated more than five years prior	40,686		40,092
Originated five years prior	2,114		1,806
Originated four years prior	40,445		2,148
Originated three years prior	28,096		40,544
Originated two years prior	8,866		25,681
Originated current year	442		8,850
Revolving	142		126
Revolving loans converted to term	0		0
Gross loans	120,791		119,247
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Originated more than five years prior	64,527		50,378
Originated five years prior	25,855		11,091
Originated four years prior	7,778		23,407
Originated three years prior	23,749		4,792
Originated two years prior	10,695		16,720
Originated current year	1,377		7,914
Revolving	4,082		2,919
Revolving loans converted to term	85		0
Gross loans	138,148		117,221
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Pass [Member]
Originated more than five years prior	55,824		41,573
Originated five years prior	25,096		11,091
Originated four years prior	7,778		23,407
Originated three years prior	23,749		4,792
Originated two years prior	10,695		16,720
Originated current year	1,377		7,914
Revolving	4,064		2,919
Revolving loans converted to term	85		0
Gross loans	128,668		108,416
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	2,307		2,409
Originated five years prior	759		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	18		0
Revolving loans converted to term	0		0
Gross loans	3,084		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]
Originated more than five years prior	93,705
Originated five years prior	18,641
Originated four years prior	38,340
Originated three years prior	24,225
Originated two years prior	17,239
Originated current year	2,118
Revolving	1,771
Revolving loans converted to term	0
Gross loans	196,039		182,662
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Pass [Member]
Originated more than five years prior	93,009		68,889
Originated five years prior	18,641		21,841
Originated four years prior	38,340		19,098
Originated three years prior	24,225		36,157
Originated two years prior	17,239		22,697
Originated current year	2,118		13,279
Revolving	1,771		701
Revolving loans converted to term	0		0
Gross loans	195,343		182,662
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Special Mention [Member]
Originated more than five years prior	696
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	696
Commercial Non Real Estate Segment [Member]
Gross loans	52,297		41,555
Loans charged against the allowance for credit losses	20	11	214
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Originated more than five years prior	6,873		6,224
Originated five years prior	2,412		438
Originated four years prior	12,702		1,060
Originated three years prior	6,422		12,667
Originated two years prior	7,282		6,961
Originated current year	4,292		6,938
Revolving	12,314		7,267
Revolving loans converted to term	0		0
Gross loans	52,297		41,555
Originated five years prior, write offs			12
Originated three years prior, write offs			0
YTD gross charge-offs			0
Originated current year, write offs			12
Revolving, write offs	20		190
Revolving loans converted to term, write offs			0
Loans charged against the allowance for credit losses	20		214
YTD gross charge-offs			0
Originated four years prior, write offs			0
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Pass [Member]
Originated more than five years prior	6,673		6,004
Originated five years prior	2,412		438
Originated four years prior	12,702		1,060
Originated three years prior	6,415		12,667
Originated two years prior	7,282		6,954
Originated current year	4,292		6,938
Revolving	12,218		7,267
Revolving loans converted to term	0		0
Gross loans	51,994		41,328
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	200		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	0		0
Revolving loans converted to term	0		0
Gross loans	207		227
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Special Mention [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	0
Originated current year	0
Revolving	96
Revolving loans converted to term	0
Gross loans	96
Public Sector and IDA Portfolio Segment[Member]
Gross loans	59,043		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	20,062		20,817
Originated five years prior	227		0
Originated four years prior	26,162		235
Originated three years prior	6,130		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	59,043		60,551
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans	42,915		38,996
Loans charged against the allowance for credit losses	157	$ 132	247
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Gross loans	4,765		4,668
Originated five years prior, write offs			0
Originated three years prior, write offs	0		0
YTD gross charge-offs	0		0
Originated current year, write offs	0		0
Revolving, write offs	33		39
Revolving loans converted to term, write offs	0		0
Loans charged against the allowance for credit losses	33		39
YTD gross charge-offs	0		0
Originated four years prior, write offs	0		0
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	4,765		4,668
Revolving loans converted to term	0		0
Gross loans	4,765		4,668
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Originated more than five years prior	111
Originated five years prior	404
Originated four years prior	1,139
Originated three years prior	2,181
Originated two years prior	6,019
Originated current year	3,905
Revolving	0
Revolving loans converted to term	0
Gross loans	13,759		12,261
Originated five years prior, write offs			3
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
YTD gross charge-offs			0
Originated four years prior, write offs			0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Pass [Member]
Originated more than five years prior	111		78
Originated five years prior	404		204
Originated four years prior	1,139		563
Originated three years prior	2,181		1,619
Originated two years prior	5,946		2,750
Originated current year	3,894		7,047
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	13,675		12,261
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Classified Excluding Impaired [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	69
Originated current year	11
Revolving	0
Revolving loans converted to term	0
Gross loans	80
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Special Mention [Member]
Originated more than five years prior	0
Originated five years prior	0
Originated four years prior	0
Originated three years prior	0
Originated two years prior	4
Originated current year	0
Revolving	0
Revolving loans converted to term	0
Gross loans	4
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Originated more than five years prior	322		93
Originated five years prior	594		334
Originated four years prior	1,369		811
Originated three years prior	3,530		1,943
Originated two years prior	8,937		5,826
Originated current year	8,941		12,388
Revolving	698		672
Revolving loans converted to term	0		0
Gross loans	24,391		22,067
Originated five years prior, write offs	4		0
Originated three years prior, write offs	17		19
YTD gross charge-offs	51		52
Originated current year, write offs	43		95
Revolving, write offs	0		0
Revolving loans converted to term, write offs	0		0
Loans charged against the allowance for credit losses	124		166
YTD gross charge-offs	0		0
Originated four years prior, write offs	9		0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Pass [Member]
Originated more than five years prior	322		93
Originated five years prior	594		334
Originated four years prior	1,318		811
Originated three years prior	3,530		1,943
Originated two years prior	8,901		5,815
Originated current year	8,930		12,356
Revolving	698		672
Revolving loans converted to term	0		0
Gross loans	24,293		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	49		0
Originated three years prior	0		0
Originated two years prior	23		11
Originated current year	0		15
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	72		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	2		0
Originated three years prior	0		0
Originated two years prior	13		0
Originated current year	11		17
Revolving	0		0
Revolving loans converted to term	0		0
Gross loans	$ 26		$ 17

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Credit Losses - Financing Receivable, Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Interest Only Payments [Member]
amortized cost	$ 6,396	$ 6,396
Percentage	5.57%	5.40%
Commercial real estate owner-occupied (Month)	6 months	6 months
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Extended Maturity [Member]
amortized cost	$ 7
Percentage	0.01%
Commercial and industrial (Month)	3 months

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Credit Losses - Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Balance	$ 9,094	$ 8,225	$ 8,225
Recovery of credit losses	1,307	12	(1,278)
Balance	10,502	10,626	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)	(9)
Balance	251	233	259
Unfunded Loan Commitment [Member] | Frontier Community Bank [Member]
FCB acquisition	$ 7
Unfunded Loan Commitment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance		$ 207	$ 207

Note 4 - Securities (Details Te

Note 4 - Securities (Details Textual) $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 0		$ 0
Interest Receivable on Securities	3,263		3,281
Deferred Tax Asset, Debt Securities, Available-for-Sale, Unrealized Loss	$ 17,556		$ 16,629
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	566
Debt Securities, Available-for-Sale, Unrealized Loss Position	$ 583,921
Debt Securities, Available-for-Sale, Realized Gain (Loss)	0	$ (3,332)
Available-for-sale Securities Sold, Book Value	46,850
National Bank of Blacksburg [Member] | Federal Home Loan Bank of Atlanta [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 503,383

Note 4 - Securities - Securitie

Note 4 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Securities available-for-sale, amortized costs	$ 688,796	$ 697,786
Securities available-for-sale, gross unrealized gains	27	0
Securities available-for-sale, gross unrealized losses	83,627	79,185
Securities available-for-sale, fair values	605,196	618,601
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized costs	353,018	353,904
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	44,205	42,060
Securities available-for-sale, fair values	308,813	311,844
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, amortized costs	178,435	179,507
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	32,433	29,614
Securities available-for-sale, fair values	146,002	149,893
Collateralized Mortgage-Backed Securities [Member]
Securities available-for-sale, amortized costs	149,839	156,875
Securities available-for-sale, gross unrealized gains	27	0
Securities available-for-sale, gross unrealized losses	6,120	6,724
Securities available-for-sale, fair values	143,746	150,151
Corporate Debt Securities [Member]
Securities available-for-sale, amortized costs	6,506	6,504
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	849	754
Securities available-for-sale, fair values	5,657	5,750
US Treasury Securities [Member]
Securities available-for-sale, amortized costs	998	996
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	20	33
Securities available-for-sale, fair values	$ 978	$ 963

Note 4 - Securities - Securit_2

Note 4 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Amortized cost, due in one year or less, available for sale securities	$ 20,010
Fair value, due in one year or less, available for sale securities	19,618
Amortized cost, due after one year through five years, available for sale securities	187,697
Fair value, due after one year through five years, available for sale securities	172,569
Amortized cost, due after five years through ten years, available for sale securities	268,663
Fair value, due after five years through ten years, available for sale securities	227,654
Amortized cost, due after ten years, available for sale securities	212,426
Fair value, due after ten years, available for sale securities	185,355
Amortized cost, total securities available for sale	688,796	$ 697,786
Fair value, total securities available for sale	$ 605,196	$ 618,601

Note 4 - Securities - Securit_3

Note 4 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Temporarily impaired securities, less than 12 months, fair value	$ 1,402	$ 2,500
Temporarily impaired securities, less than 12 months unrealized loss	121	27
Temporarily impaired securities, 12 months or more fair value	582,519	615,242
Temporarily impaired securities, 12 months or more unrealized loss	83,506	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	308,813	311,844
Temporarily impaired securities, 12 months or more unrealized loss	44,205	42,060
US States and Political Subdivisions Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	882	884
Temporarily impaired securities, less than 12 months unrealized loss	120	1
Temporarily impaired securities, 12 months or more fair value	145,120	148,763
Temporarily impaired securities, 12 months or more unrealized loss	32,313	29,613
Commercial Mortgage-Backed Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	520	1,616
Temporarily impaired securities, less than 12 months unrealized loss	1	26
Temporarily impaired securities, 12 months or more fair value	121,951	147,922
Temporarily impaired securities, 12 months or more unrealized loss	6,119	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	5,657	5,750
Temporarily impaired securities, 12 months or more unrealized loss	849	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	978	963
Temporarily impaired securities, 12 months or more unrealized loss	$ 20	$ 33

Note 5 - Defined Benefit Plan_2

Note 5 - Defined Benefit Plan (Details Textual) $ in Millions	1 Months Ended
	Apr. 30, 2024 USD ($)
Defined Benefit Plan, Plan Assets, Contributions by Employer	$ 3

Note 5 - Defined Benefit Plan -

Note 5 - Defined Benefit Plan - Defined Benefit Plan Activity (Details) - Pension Plan [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Service cost	$ 261	$ 203	$ 522	$ 406
Interest cost	302	273	604	546
Expected return on plan assets	(608)	(518)	(1,216)	(1,036)
Amortization of prior service cost	0	0	0	0
Recognized net actuarial loss	33	17	66	34
Net periodic benefit income	$ (12)	$ (25)	$ (24)	$ (50)

Note 6 - Fair Value Measureme_3

Note 6 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, before Allowance for Credit Loss	$ 989,367	$ 856,646
Collateral Pledged [Member]
Financing Receivable, before Allowance for Credit Loss	3,054	2,184
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Financing Receivable, before Allowance for Credit Loss	2,970
Closed End First Liens [Member] | Consumer Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Financing Receivable, before Allowance for Credit Loss	84	7
Loans Held-for-sale [Member] | Changes Measurement [Member] | Fair Value, Nonrecurring [Member]
Assets, Fair Value Adjustment	$ (1)	$ 0

Note 6 - Fair Value Measureme_4

Note 6 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) $ in Thousands		Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Securities available for sale		$ 605,196	$ 618,601
Interest Rate Loan Contract [Member] | Valuation, Market Approach [Member] | Measurement Input, Pull-through Rate [Member]
Derivative Asset, Measurement Input	[1]	1	1
Interest Rate Loan Contract [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member]
Derivative Asset, Measurement Input	[2]		1.0264
Interest Rate Loan Contract [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Maximum [Member]
Derivative Asset, Measurement Input	[2]	1.0121
Interest Rate Loan Contract [Member] | Fair Value, Recurring [Member]
Derivative Asset		$ 1	$ 3
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Pull-through Rate [Member]
Derivative Liability, Measurement Input	[1]	1	1
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Maximum [Member]
Derivative Liability, Measurement Input	[3]	1.02	1.0264
Forward Sale Commitment [Member] | Valuation, Market Approach [Member] | Measurement Input, Current Reference Price [Member] | Minimum [Member]
Derivative Liability, Measurement Input	[3]	1.0008	1.016
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		605,196	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		1	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		308,813	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		308,813	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		146,002	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		146,002	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		143,746	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		143,746	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		5,657	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		5,657	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		978	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		978	963
US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale		$ 0	$ 0
[1]All contracts are valued using the same pull-through rate[2]Comprised of only one loan.[3]Current reference prices were weighted by the relative amount of the loan

Note 6 - Fair Value Measureme_5

Note 6 - Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Federal funds sold	$ 3,499	$ 0
Securities available for sale, at fair value	605,196	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	605,196	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	14,908	12,967
Federal funds sold	3,499
Interest-bearing deposits	80,477	73,636
Securities available for sale, at fair value	605,196
Restricted stock, at cost	1,752
Mortgage loans held for sale	125
Loans, net	978,865	847,552
Accrued interest receivable	6,615	6,313
Bank-owned life insurance	46,775	43,583
Interest rate loan contract	1
Deposits	1,645,052	1,503,972
Accrued interest payable	2,525	1,416
Forward sale commitment	2
Estimate of Fair Value Measurement [Member]
Securities available for sale, at fair value		618,601
Restricted stock, at cost		1,264
Mortgage loans held for sale		406
Interest rate loan contract		3
Forward sale commitment		4
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	14,908	12,967
Federal funds sold	3,499
Interest-bearing deposits	80,477	73,636
Securities available for sale, at fair value	0	0
Restricted stock, at cost	0	0
Mortgage loans held for sale	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
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and due from banks	0	0
Federal funds sold
Interest-bearing deposits	0	0
Securities available for sale, at fair value	605,196	618,601
Restricted stock, at cost	1,752	1,264
Mortgage loans held for sale	125	406
Loans, net	0	0
Accrued interest receivable	6,615	6,313
Bank-owned life insurance	46,775	43,583
Interest rate loan contract	0	0
Deposits	1,340,993	1,280,732
Accrued interest payable	2,525	1,416
Forward sale commitment	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and due from banks	0	0
Federal funds sold
Interest-bearing deposits	0	0
Securities available for sale, at fair value	0	0
Restricted stock, at cost	0	0
Mortgage loans held for sale	0	0
Loans, net	919,403	793,800
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Interest rate loan contract	1	3
Deposits	303,497	222,374
Accrued interest payable	0	0
Forward sale commitment	$ 2	$ 4

Note 7 - Components of Accumu_3

Note 7 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Balance	$ 139,390	$ 131,043	$ 140,522	$ 122,687
Balance	148,963	128,444	148,963	128,444
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Balance	(65,894)	(69,692)	(62,556)	(81,421)
Unrealized holding gain (loss) on available for sale securities, net of tax	(150)	(4,848)	(3,488)	6,891
Reclassification adjustment, net of tax of $702		2,642		2,632
Balance	(66,044)	(71,898)	(66,044)	(71,898)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(2,310)	(2,345)	(2,310)	(2,345)
Unrealized holding gain (loss) on available for sale securities, net of tax	0			0
Reclassification adjustment, net of tax of $702		0		0
Balance	(2,310)	(2,345)	(2,310)	(2,345)
AOCI Attributable to Parent [Member]
Balance	(68,204)	(72,037)	(64,866)	(83,766)
Unrealized holding gain (loss) on available for sale securities, net of tax	(150)	(4,848)	(3,488)	6,891
Reclassification adjustment, net of tax of $702		2,642		2,632
Balance	$ (68,354)	$ (74,243)	$ (68,354)	$ (74,243)

Note 7 - Components of Accumu_4

Note 7 - 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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Unrealized holding gain (loss) on available for sale securities, tax	$ (40)	$ (1,289)	$ (927)	$ 1,831
Reclassification adjustment for gain included in net income, taxes		$ 702		$ 700

Note 8 - Revenue Recognition -

Note 8 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Noninterest Income (in-scope of Topic 606)	$ 1,832	$ 1,693	$ 3,736	$ 3,535
Noninterest Income (out-of-scope of Topic 606)	414	1,098	709	1,455
Total noninterest income	2,246	2,791	4,445	4,990
Deposit Account [Member]
Noninterest Income (in-scope of Topic 606)	722	637	1,397	1,229
Product and Service, Other [Member]
Noninterest Income (in-scope of Topic 606)	48	49	94	102
Credit and Debit Card [Member]
Noninterest Income (in-scope of Topic 606)	423	414	797	881
Fiduciary and Trust [Member]
Noninterest Income (in-scope of Topic 606)	513	481	1,016	926
Insurance and Investment [Member]
Noninterest Income (in-scope of Topic 606)	$ 126	$ 112	$ 432	$ 397

Note 9 - Leases (Details Textua

Note 9 - Leases (Details Textual) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
	Jun. 01, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$ 548	$ 548	$ 0	$ 548	$ 0

Note 9 - Leases - Lease Informa

Note 9 - Leases - Lease Information and Expenses (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
	Jun. 01, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Lease liability		$ 1,506		$ 1,506		$ 1,127
Right-of-use asset		$ 1,476		$ 1,476		$ 1,096
Weighted average remaining lease term (in years) (Year)		5 years 10 days		5 years 10 days		4 years 4 months 20 days
Weighted average discount rate		3.84%		3.84%		3.29%
Operating lease expense		$ 99	$ 92	$ 188	$ 184
Short-term lease expense		6	0	11	1
Total lease expense		105	92	199	185
Cash paid for amounts included in lease liabilities		104	92	199	186
Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period	$ 548	$ 548	$ 0	$ 548	$ 0

Note 9 - Leases - Lease Liabili

Note 9 - Leases - Lease Liability Maturity Schedule (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Twelve months ending June 30, 2025	$ 420
Twelve months ending June 30, 2026	322
Twelve months ending June 30, 2027	286
Twelve months ending June 30, 2028	272
Twelve months ending June 30, 2029	194
Thereafter	173
Total undiscounted cash flows	1,667
Less: discount	(161)
Lease liability	$ 1,506	$ 1,127

Note 10 - Stock Based Compens_3

Note 10 - Stock Based Compensation (Details Textual) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	May 09, 2023
Share-Based Payment Arrangement, Expense	$ 33	$ 65
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 103	$ 103
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 10 - Stock Based Compens_4

Note 10 - Stock Based Compensation - Summary of Nonvested Shares (Details) - Restricted Stock Award [Member]	6 Months Ended
	Jun. 30, 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	2,796
Granted, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30
Vested and released, shares (in shares) | shares	(2,052)
Vested and released, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.7
Nonvested, shares (in shares) | shares	4,839
Nonvested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.32

Note 11 - Net (Loss) Income P_3

Note 11 - Net (Loss) Income Per Share - Schedule of Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income, basic	$ (306)	$ 3,901	$ 1,868	$ 8,432
Weighted average number of common shares outstanding, basic (in shares)	6,028,220	5,889,687	5,958,953	5,889,687
Basic net (loss) income per common share (in dollars per share)	$ (0.05)	$ 0.66	$ 0.31	$ 1.43
Dilutive shares for restricted stock awards: (in shares)	0	361	2,084	181
Net income, diluted	$ (306)	$ 3,901	$ 1,868	$ 8,432
Weighted average number of common shares outstanding, fully diluted (in shares)	6,028,220	5,890,048	5,961,037	5,889,868
Fully diluted net (loss) income per common share (in dollars per share)	$ (0.05)	$ 0.66	$ 0.31	$ 1.43

Note 12 - Goodwill and Other _3

Note 12 - Goodwill and Other Intangibles (Details Textual) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Amortization of Intangible Assets	$ 35	$ 0	$ 35	$ 0

Note 12 - Goodwill and Other _4

Note 12 - Goodwill and Other Intangibles - Components of Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Goodwill, gross	$ 5,848
Goodwill addition	4,874
Goodwill, measurement adjustments	11
Goodwill, net	10,733	$ 5,848
Core deposit intangible, net	2,065	$ 0
Core Deposits [Member]
Core deposit intangible, gross	0
Core deposit intangible additional	2,100
Core deposit intangible, accumulated amortization	(35)
Core deposit intangible, net	$ 2,065

Note 12 - Goodwill and Other _5

Note 12 - Goodwill and Other Intangibles - Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - Core Deposits [Member] $ in Thousands	Jun. 30, 2024 USD ($)
2024	$ 202
2025	373
2026	331
2027	290
2028	248
Thereafter	621
Total amortizing core deposit intangible	$ 2,065