ChoiceOne Financial Services (COFS) 10-Q 9 Nov 20 2020 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Oct. 31, 2020
Document Information [Line Items]
Entity Central Index Key	0000803164
Entity Registrant Name	ChoiceOne Financial Services, Inc.
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2020
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity File Number	000-19202
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-2659066
Entity Address, Address Line One	109 East Division
Entity Address, City or Town	Sparta
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49345
City Area Code	616
Local Phone Number	887-7366
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common stock
Trading Symbol	COFS
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		7,795,099

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 117,533	$ 59,308
Time deposits in other financial institutions	350	250
Cash and cash equivalents	117,883	59,558
Equity securities at fair value (Note 2)	2,667	2,851
Securities available for sale (Note 2)	393,338	339,579
Federal Home Loan Bank stock	3,824	3,524
Federal Reserve Bank stock	2,947	2,934
Loans held for sale	35,826	3,095
Loans to other financial institutions	55,064	51,048
Loans (Note 3)	1,078,796	802,048
Allowance for loan losses (Note 3)	(6,685)	(4,057)
Loans, net	1,072,111	797,991
Premises and equipment, net	29,927	24,265
Other real estate owned, net	676	929
Cash value of life insurance policies	32,556	31,979
Goodwill	60,506	52,870
Core deposit intangible	5,664	6,006
Other assets	15,994	9,499
Total assets	1,828,984	1,386,128
Liabilities
Deposits – noninterest-bearing	447,548	287,460
Deposits – interest-bearing	1,138,822	867,142
Total deposits	1,586,370	1,154,602
Borrowings	13,234	33,198
Other liabilities	6,454	6,189
Total liabilities	1,606,058	1,193,989
Shareholders' Equity
Preferred stock; shares authorized: 100,000; shares outstanding: none	0	0
Common stock and paid-in capital, no par value; shares authorized: 12,000,000; shares outstanding: 7,791,060 at September 30, 2020 and 7,245,088 at December 31, 2019	178,551	162,610
Retained earnings	35,106	28,051
Accumulated other comprehensive income, net	9,269	1,478
Total shareholders’ equity	222,926	192,139
Total liabilities and shareholders’ equity	$ 1,828,984	$ 1,386,128

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Sep. 30, 2020	Dec. 31, 2019
Preferred stock, authorized (in shares)	100,000	100,000
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, authorized (in shares)	12,000,000	12,000,000
Common stock, outstanding (in shares)	7,791,060	7,245,088

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest income
Loans, including fees	$ 13,047	$ 5,394	$ 34,110	$ 16,064
Securities:
Taxable	1,150	728	4,564	2,255
Tax exempt	914	352	1,760	1,079
Other	40	87	241	194
Total interest income	15,151	6,561	40,675	19,592
Interest expense
Deposits	946	973	3,229	2,748
Advances from Federal Home Loan Bank	1	8	218	238
Other	142	10	149	39
Total interest expense	1,089	991	3,596	3,025
Net interest income	14,062	5,570	37,079	16,567
Provision for loan losses	1,225	0	3,000	0
Net interest income after provision for loan losses	12,837	5,570	34,079	16,567
Noninterest income
Customer service charges	2,059	1,094	5,306	3,275
Insurance and investment commissions	137	88	416	225
Gains on sales of loans	3,617	638	8,356	1,373
Net gains (losses) on sales of securities	(35)	19	1,308	22
Earnings on life insurance policies	193	99	577	290
Trust income	197	0	569	0
Change in market value of equity securities	(238)	(146)	(184)	119
Other	396	143	661	417
Total noninterest income	6,326	1,935	17,009	5,721
Salaries and benefits	8,058	3,268	19,545	8,915
Occupancy and equipment	1,556	755	4,185	2,267
Data processing	1,585	676	4,637	1,814
Professional fees	1,221	836	2,897	2,031
Supplies and postage	178	91	685	266
Advertising and promotional	148	145	440	297
Intangible amortization	395	0	1,102	0
FDIC insurance	154	5	291	93
Other	1,254	601	3,333	1,790
Total noninterest expense	14,549	6,377	37,115	17,473
Income before income tax	4,614	1,127	13,973	4,815
Income tax expense	785	106	2,460	671
Net income	$ 3,829	$ 1,021	$ 11,513	$ 4,144
Basic earnings per share (Note 4) (in dollars per share)	$ 0.49	$ 0.28	$ 1.55	$ 1.14
Diluted earnings per share (Note 4) (in dollars per share)	0.49	0.28	1.55	1.14
Dividends declared, per share (in dollars per share)	$ 0.20	$ 0.80	$ 0.60	$ 1.20

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Net income	$ 3,829	$ 1,021	$ 11,513	$ 4,144
Other comprehensive income:
Changes in net unrealized gains on investment securities available for sale, net of tax expense of $616 and $149 for the three months ended September 30, 2020 and September 30, 2019, respectively. Changes in net unrealized gains (losses) on investment securities available for sale, net of tax expense of $2,346 and $1,022 for the nine months ended September 30, 2020 and September 30, 2019, respectively	2,316	561	8,825	3,844
Reclassification adjustment for realized (gain) loss on sale of investment securities available for sale included in net income, net of tax expense (benefit) of $(7) and $4 for the three months ended September 30, 2020 and September 30, 2019, respectively. Reclassification adjustment for realized gain on sale of investment securities available for sale included in net income, net of tax expense of $275 and $5 for the nine months ended September 30, 2020 and September 30, 2019, respectively	28	(15)	(1,033)	(18)
Other comprehensive income, net of tax	2,343	546	7,791	3,826
Comprehensive income	$ 6,173	$ 1,567	$ 19,305	$ 7,970

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Changes in net unrealized gains (losses) on investment securities available for sale, tax expense	$ 616	$ 149	$ 2,346	$ 1,022
Reclassification adjustment for realized gain on sale of investment securities available for sale included in net income, tax expense	$ (7)	$ 4	$ 275	$ 5

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands		Special Cash Dividend [Member]Retained Earnings [Member]	Special Cash Dividend [Member]	Cash Dividend [Member]Retained Earnings [Member]	Cash Dividend [Member]	Common Stock Including Additional Paid in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2018						3,616,483
Balance at Dec. 31, 2018						$ 54,523	$ 26,686	$ (732)	$ 80,477
Net income							4,144		4,144
Other comprehensive income								3,826	3,826
Shares issued (in shares)						6,728
Shares issued						$ 99			99
Effect of employee stock purchases						$ 11			11
Stock options exercised and issued (1) (in shares)	[1]					3,390
Stock options exercised and issued (1)	[1]					$ 46			46
Stock-based compensation expense						$ 379			379
Restricted stock units issued (in shares)						7,787
Cash dividends declared		$ (2,180)	$ (2,180)	$ (2,176)	$ (2,176)
Balance (in shares) at Sep. 30, 2019						3,634,388
Balance at Sep. 30, 2019						$ 55,058	26,474	3,094	84,626
Balance (in shares) at Jun. 30, 2019						3,632,917
Balance at Jun. 30, 2019						$ 54,756	28,359	2,548	85,663
Net income							1,021		1,021
Other comprehensive income								546	546
Shares issued (in shares)						1,471
Shares issued						$ 40			40
Effect of employee stock purchases						4			4
Stock-based compensation expense						$ 258			258
Cash dividends declared		$ (2,180)	$ (2,180)	$ (726)	$ (726)
Balance (in shares) at Sep. 30, 2019						3,634,388
Balance at Sep. 30, 2019						$ 55,058	26,474	3,094	$ 84,626
Balance (in shares) at Dec. 31, 2019						7,245,088			7,245,088
Balance at Dec. 31, 2019						$ 162,610	28,051	1,478	$ 192,139
Net income							11,513		11,513
Other comprehensive income								7,791	7,791
Shares issued (in shares)						14,291
Shares issued						$ 304			304
Effect of employee stock purchases						$ 11			11
Stock options exercised and issued (1) (in shares)	[1]					7,261
Stock options exercised and issued (1)	[1]					$ 9			9
Stock-based compensation expense						$ 123			123
Restricted stock units issued (in shares)						365
Cash dividends declared							(4,459)		(4,459)
Merger with Community Shores Bank Corporation (in shares)						524,055
Merger with Community Shores Bank Corporation						$ 15,494			$ 15,494
Balance (in shares) at Sep. 30, 2020						7,791,060			7,791,060
Balance at Sep. 30, 2020						$ 178,551	35,106	9,269	$ 222,926
Balance (in shares) at Jun. 30, 2020						7,261,605
Balance at Jun. 30, 2020						$ 162,862	32,835	6,926	202,623
Net income							3,829		3,829
Other comprehensive income								2,343	2,343
Shares issued (in shares)						5,169
Shares issued						$ 143			143
Effect of employee stock purchases						$ 4			4
Stock options exercised and issued (1) (in shares)	[1]					231
Stock-based compensation expense						$ 48			48
Cash dividends declared							(1,558)		(1,558)
Merger with Community Shores Bank Corporation (in shares)						524,055
Merger with Community Shores Bank Corporation						$ 15,494			$ 15,494
Balance (in shares) at Sep. 30, 2020						7,791,060			7,791,060
Balance at Sep. 30, 2020						$ 178,551	$ 35,106	$ 9,269	$ 222,926
[1]	The amount shown represents the number of shares issued in cashless transactions where some taxes are netted on a portion of the exercises.

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Special Cash Dividend [Member]
Dividends declared, per share (in dollars per share)	$ 0.60	$ 0.60
Cash Dividend [Member]
Dividends declared, per share (in dollars per share)	0.20	0.60
Dividends declared, per share (in dollars per share)	$ 0.80	$ 1.20

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities:
Net income	$ 11,513	$ 4,144
Adjustments to reconcile net income to net cash from operating activities:
Provision for loan losses	3,000	0
Depreciation	2,026	1,054
Amortization	3,377	672
Compensation expense on employee and director stock purchases, stock options, and restricted stock units	337	428
Net gains on sales of securities	(1,308)	(22)
Net change in market value of equity securities	184	(119)
Gains on sales of loans	(8,356)	(1,373)
Loans originated for sale	(277,281)	(40,215)
Proceeds from loan sales	251,554	40,527
Earnings on bank-owned life insurance	(577)	(290)
(Gains)/losses on sales of other real estate owned	7	(22)
Proceeds from sales of other real estate owned	983	187
Costs capitalized to other real estate	(19)	0
Deferred federal income tax (benefit)/expense	(1,257)	94
Net change in:
Other assets	(4,323)	(290)
Other liabilities	(116)	645
Net cash (used in)/provided by operating activities	(20,256)	5,420
Cash flows from investing activities:
Sales of securities available for sale	121,944	1,233
Maturities, prepayments and calls of securities available for sale	37,587	29,478
Purchases of securities available for sale	(183,109)	(13,904)
Purchase of Federal Reserve Bank stock	0	(1)
Loan originations and payments, net	(108,485)	(7,870)
Additions to premises and equipment	(1,552)	(457)
Cash received from merger with Community Shores Bank Corporation, net of cash paid	35,636	0
Net cash (used in)/provided by investing activities	(97,979)	8,479
Cash flows from financing activities:
Net change in deposits	203,937	(2,940)
Net change in fed funds purchased	0	(4,800)
Proceeds from borrowings	10,000	85,000
Payments on borrowings	(33,028)	(90,026)
Issuance of common stock	110	107
Cash dividends	(4,459)	(4,356)
Net cash provided by/(used in) financing activities	176,560	(17,015)
Net change in cash and cash equivalents	58,325	(3,116)
Beginning cash and cash equivalents	59,558	19,690
Ending cash and cash equivalents	117,883	16,574
Supplemental disclosures of cash flow information:
Cash paid for interest	3,778	3,000
Cash paid for income taxes	3,608	350
Loans transferred to other real estate owned	$ 372	$ 325

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Significant Accounting Policies [Text Block]	NOTE 1 Explanatory Note On July 1, 2020, October 16, 2020. 8 Principles of Consolidation The consolidated financial statements include ChoiceOne Financial Services, Inc. ("ChoiceOne"), its wholly-owned subsidiaries, ChoiceOne Bank and Community Shores Bank (together referred to as the “Banks”), ChoiceOne Bank’s wholly-owned subsidiaries, ChoiceOne Insurance Agencies, Inc. and Lakestone Financial Services, Inc., and Community Shores' wholly-owned subsidiary, Community Shores Financial Services, Inc. Intercompany transactions and balances have been eliminated in consolidation. Community Shores Bank was consolidated with and into ChoiceOne Bank effective October 16, 2020. The consolidated unaudited financial statements and notes thereto have been prepared in accordance with generally accepted accounting principles for interim financial information, prevailing practices within the banking industry and the instructions to Form 10 not The accompanying unaudited consolidated financial statements and notes thereto reflect all adjustments ordinary in nature which are, in the opinion of management, necessary for a fair presentation of the Consolidated Balance Sheets as of September 30, 2020 December 31, 2019 three nine September 30, 2020 September 30, 2019 three nine September 30, 2020 September 30, 2019 three nine September 30, 2020 September 30, 2019 nine September 30, 2020 September 30, 2019 nine September 30, 2020 not may December 31, 2020 The accompanying consolidated financial statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in ChoiceOne’s Annual Report on Form 10 December 31, 2019 Use of Estimates To prepare financial statements in conformity with GAAP, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided; therefore, future results could differ. These estimates and assumptions are subject to many risks and uncertainties, including changes in interest rates and other general economic, business and political conditions, including the effects of the COVID- 19 may Loans to Other Financial Institutions ChoiceOne Bank entered into an agreement with another financial institution to fund mortgage loans. Loans to other financial institutions are purchased participating interests in individual advances made to mortgage bankers nation-wide from an unaffiliated originating bank. The originating bank services these loans and cash flows on the individual advances (principal, interest, and fees) which are allocated pro-rata based on ownership in the participating interest, less fees paid for the servicing activity. The underlying collateral is generally made up of 1 4 first 90 September 30, 2020 Credit risk associated with the participating interest is measured as an allowance for loan losses when necessary. Losses are charged off against the allowance when incurred and recoveries of loan charge-offs are recorded when received. At least quarterly, ChoiceOne Bank reviews the portfolios of participating interests for potential losses including any participating interest that is outstanding over 90 September 30, 2020 30 December 31, 2019, 30 first nine 2020 Allowance for Loan Losses The allowance for loan losses is maintained at a level believed adequate by management to absorb probable incurred losses inherent in the consolidated loan portfolio. Management’s evaluation of the adequacy of the allowance is an estimate based on reviews of individual loans, assessments of the impact of current economic conditions on the portfolio and historical loss experience of seasoned loan portfolios. See Note 3 Management believes the accounting estimate related to the allowance for loan losses is a “critical accounting estimate” because ( 1 2 Stock Transactions A total of 10,132 shares of common stock were issued to ChoiceOne’s Board of Directors for a cash price of $289,000 under the terms of the Directors’ Stock Purchase Plan in the first nine 2020 first nine 2020 first nine 2020 first nine 2020. Stock-Based Compensation ChoiceOne grants restricted stock units to a select group of employees under the Stock Incentive Plan of 2012. three one Reclassifications Certain amounts presented in prior periods have been reclassified to conform to the current presentation. Recent Accounting Pronouncements The Financial Accounting Standards Board ("FASB") issued ASU No. 2016 13 , Financial Instruments—Credit Losses (Topic 326 no may may December 15, 2022, December 31, 2019 may Goodwill Goodwill is not first 1 not not, no Management performed its annual qualitative assessment of goodwill as of June 30, 2020. not 350 20 35 3c. 19 may December 2019 June 2020, not June 30, 2020 no

Note 2 - Securities

Note 2 - Securities	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 2 The fair value of equity securities and the related gross unrealized gains (losses) recognized in noninterest income were as follows: September 30, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 2,636 $ 31 $ - $ 2,667 December 31, 2019 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 2,636 $ 215 $ - $ 2,851 The fair value of securities available for sale and the related unrealized gains and losses recognized in accumulated other comprehensive income were as follows: September 30, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 2,008 $ 53 $ - $ 2,061 U.S. Treasury notes and bonds 1,996 69 - 2,065 State and municipal 258,226 10,324 - 268,550 Mortgage-backed 115,695 1,565 (487 ) 116,773 Corporate 2,838 51 - 2,889 Trust preferred securities 1,000 - - 1,000 Total $ 381,763 $ 12,062 $ (487 ) $ 393,338 December 31, 2019 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 17,231 $ 23 $ (39 ) $ 17,215 U.S. Treasury notes and bonds 1,994 14 - 2,008 State and municipal 172,487 2,694 (1,257 ) 173,924 Mortgage-backed 142,504 585 (329 ) 142,760 Corporate 2,649 24 (1 ) 2,672 Trust preferred securities 1,000 - - 1,000 Total $ 337,865 $ 3,340 $ (1,626 ) $ 339,579 ChoiceOne reviews its securities portfolio on a quarterly basis to determine whether unrealized losses are considered to be temporary or other-than-temporary. No other-than-temporary impairment charges were recorded in the three nine September 30, 2020 2019 not Presented below is a schedule of maturities of securities as of September 30, 2020 September 30, 2020 December 31, 2019 September 30, 2020 Securities maturing within: Fair Value Fair Value Less than 1 Year - 5 Years - More than at September 30, at Dec. 31, (Dollars in thousands) 1 Year 5 Years 10 Years 10 Years 2020 2019 U.S. Government and federal agency $ - $ 2,061 $ - $ - $ 2,061 $ 17,215 U.S. Treasury notes and bonds - 2,065 - - 2,065 2,008 State and municipal 14,534 53,241 187,171 13,604 268,550 173,924 Corporate 1,856 1,033 - - 2,889 2,672 Trust preferred securities - - 1,000 - 1,000 1,000 Total debt securities 16,390 58,400 188,171 13,604 276,565 196,819 Mortgage-backed securities 4,305 30,667 79,727 2,074 116,773 142,760 Equity securities - - 1,000 1,667 2,667 2,851 Total $ 20,695 $ 89,067 $ 268,898 $ 17,345 $ 396,005 $ 342,430 Weighted average yields: Less than 1 Year - 5 Years - More than 1 Year 5 Years 10 Years 10 Years Total U.S. Government and federal agency - % 1.98 % - % - % 1.98 % U.S. Treasury notes and bonds - 1.85 - - 1.85 State and municipal 1.78 2.88 2.72 3.02 2.72 Corporate 1.37 2.86 - - 1.90 Trust preferred securities - - 4.66 - 4.66 Mortgage-backed securities 4.93 2.24 0.79 3.06 1.36 Equity securities - - 4.61 - 1.27 Following is information regarding unrealized gains and losses on equity securities for the three nine September 30, 2020 2019 Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Net gains and losses recognized during the period $ (238 ) $ (146 ) $ (184 ) $ 119 Less: Net gains and losses recognized during the period on securities sold — (3 ) — 4 Unrealized gains and losses recognized during the reporting period on securities still held at the reporting date $ (238 ) $ (143 ) $ (184 ) $ 115

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Financing Receivables [Text Block]	NOTE 3 Activity in the allowance for loan losses and balances in the loan portfolio were as follows: Commercial (Dollars in thousands) and Commercial Construction Residential Agricultural Industrial Consumer Real Estate Real Estate Real Estate Unallocated Total Allowance for Loan Losses Three Months Ended September 30, 2020 Beginning balance $ 252 $ 1,398 $ 243 $ 2,833 $ 79 $ 945 $ - $ 5,750 Charge-offs — (29 ) (58 ) (255 ) — (1 ) — (343 ) Recoveries — 1 46 4 — 2 — 53 Provision 17 (285 ) 48 961 31 122 331 1,225 Ending balance $ 269 $ 1,085 $ 279 $ 3,543 $ 110 $ 1,068 $ 331 $ 6,685 Allowance for Loan Losses Nine Months Ended September 30, 2020 Beginning balance $ 471 $ 655 $ 270 $ 1,663 $ 76 $ 640 $ 282 $ 4,057 Charge-offs — (46 ) (242 ) (255 ) — (8 ) — (551 ) Recoveries — 2 156 4 — 17 — 179 Provision (202 ) 474 95 2,131 34 419 49 3,000 Ending balance $ 269 $ 1,085 $ 279 $ 3,543 $ 110 $ 1,068 $ 331 $ 6,685 Individually evaluated for impairment $ — $ 1 $ 1 $ 13 $ — $ 218 $ — $ 233 Collectively evaluated for impairment $ 269 $ 1,084 $ 278 $ 3,530 $ 110 $ 850 $ 331 $ 6,452 Loans September 30, 2020 Individually evaluated for impairment $ 373 $ 345 $ 19 $ 2,149 $ — $ 2,203 $ 5,089 Collectively evaluated for impairment 53,130 297,886 34,104 449,041 16,489 199,930 1,050,580 Acquired with deteriorated credit quality — 7,889 30 12,116 — 3,092 23,127 Ending balance $ 53,503 $ 306,120 $ 34,153 $ 463,306 $ 16,489 $ 205,225 $ 1,078,796 Commercial (Dollars in thousands) and Commercial Construction Residential Agricultural Industrial Consumer Real Estate Real Estate Real Estate Unallocated Total Allowance for Loan Losses Three Months Ended September 30, 2019 Beginning balance $ 362 $ 818 $ 335 $ 2,398 $ 43 $ 522 $ 323 $ 4,801 Charge-offs - (81 ) (71 ) (589 ) - (11 ) - (752 ) Recoveries - 1 25 16 - 5 - 47 Provision 111 (87 ) (27 ) (182 ) 5 (80 ) 260 - Ending balance $ 473 $ 651 $ 262 $ 1,643 $ 48 $ 436 $ 583 $ 4,096 Allowance for Loan Losses Nine Months Ended September 30, 2019 Beginning balance $ 481 $ 892 $ 254 $ 1,926 $ 38 $ 537 $ 545 $ 4,673 Charge-offs - (83 ) (222 ) (589 ) - (25 ) - (919 ) Recoveries 65 21 113 22 - 121 - 342 Provision (73 ) (179 ) 117 284 10 (197 ) 38 - Ending balance $ 473 $ 651 $ 262 $ 1,643 $ 48 $ 436 $ 583 $ 4,096 Individually evaluated for impairment $ 85 $ 2 $ 4 $ 14 $ - $ 186 $ - $ 291 Collectively evaluated for impairment $ 388 $ 649 $ 258 $ 1,629 $ 48 $ 250 $ 583 $ 3,805 Loans September 30, 2019 Individually evaluated for impairment $ 389 $ 279 $ 20 $ 2,331 $ - $ 2,646 $ 5,665 Collectively evaluated for impairment 49,668 81,252 24,388 141,975 11,188 92,670 401,141 Acquired with deteriorated credit quality - - - - - - - Ending balance $ 50,057 $ 81,531 $ 24,408 $ 144,306 $ 11,188 $ 95,316 $ 406,806 Commercial (Dollars in thousands) and Commercial Construction Residential Agricultural Industrial Consumer Real Estate Real Estate Real Estate Unallocated Total Allowance for Loan Losses December 31, 2019 Individually evaluated for impairment $ 103 $ - $ 4 $ 13 $ - $ 235 $ - $ 355 Collectively evaluated for impairment $ 368 $ 655 $ 266 $ 1,650 $ 76 $ 405 $ 282 $ 3,702 Loans December 31, 2019 Individually evaluated for impairment $ 924 $ 259 $ 17 $ 2,288 $ - $ 2,434 $ 5,922 Collectively evaluated for impairment 56,415 141,583 38,524 323,358 13,411 215,106 788,397 Acquired with deteriorated credit quality - 6,241 313 733 - 442 7,729 Ending balance $ 57,339 $ 148,083 $ 38,854 $ 326,379 $ 13,411 $ 217,982 $ 802,048 The provision for loan losses was $1,225,000 in the third 2020 third 2020 19 19 September 30, 2020, The process to monitor the credit quality of ChoiceOne’s loan portfolio includes tracking ( 1 2 3 1 9. Risk Rating 1 5 Risk rating 6 not not Risk rating 7 “7” “6”, “7”. Risk rating 8 Risk rating 9 not no may Information regarding ChoiceOne Bank's credit exposure was as follows: Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category (Dollars in thousands) Agricultural Commercial and Industrial Commercial Real Estate September 30, December 31, September 30, December 31, September 30, December 31, 2020 2019 2020 2019 2020 2019 Pass $ 49,855 $ 55,866 $ 293,858 $ 146,728 $ 448,053 $ 322,105 Special Mention 3,275 1,094 4,526 1,081 5,275 1,332 Substandard 373 379 7,736 274 8,505 2,942 Doubtful - - - - 1,473 - $ 53,503 $ 57,339 $ 306,120 $ 148,083 $ 463,306 $ 326,379 Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity (Dollars in thousands) Consumer Construction Real Estate Residential Real Estate September 30, December 31, September 30, December 31, September 30, December 31, 2020 2019 2020 2019 2020 2019 Performing $ 34,134 $ 38,838 $ 16,489 $ 13,411 $ 204,293 $ 216,651 Nonperforming - - - - 157 - Nonaccrual 19 16 - - 775 1,331 $ 34,153 $ 38,854 $ 16,489 $ 13,411 $ 205,225 $ 217,982 The following table provides information on loans that were considered troubled debt restructurings ("TDRs") that were modified during the three nine September 30, 2020 2019. Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 Pre- Post- Pre- Post- Modification Modification Modification Modification Outstanding Outstanding Outstanding Outstanding (Dollars in thousands) Number of Recorded Recorded Number of Recorded Recorded Loans Investment Investment Loans Investment Investment Agricultural - $ - $ - 1 $ 67 $ 67 Commercial Real Estate - - - 2 1,666 1,666 Total - $ - $ - 3 $ 1,733 $ 1,733 The following schedule provides information on TDRs as of September 30, 2020 30 three nine September 30, 2020 no September 30, 2019 30 three nine September 30, 2019 Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 (Dollars in thousands) Number Recorded Number Recorded of Loans Investment of Loans Investment Agricultural 1 $ 67 1 $ 67 Commercial Real Estate 2 1,666 2 1,666 Total 3 $ 1,733 3 $ 1,733 The federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus” on March 22, 2020 April 7, 2020. 19, not 4013 March 27, 2020, 19 December 31, 2019 not 90 March 2020 September 30, 2020 not 90 second September 30, 2020 2020. Impaired loans by loan category follow: Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance September 30, 2020 With no related allowance recorded Agricultural $ 373 $ 440 $ - Commercial and industrial 284 395 - Consumer 4 5 - Construction real estate - - - Commercial real estate 1,859 2,664 - Residential real estate 196 200 - Subtotal 2,716 3,704 - With an allowance recorded Agricultural - - - Commercial and industrial 61 64 1 Consumer 15 16 1 Construction real estate - - - Commercial real estate 290 290 13 Residential real estate 2,007 2,068 218 Subtotal 2,373 2,438 233 Total Agricultural 373 440 - Commercial and industrial 345 459 1 Consumer 19 21 1 Construction real estate - - - Commercial real estate 2,149 2,954 13 Residential real estate 2,203 2,268 218 Total $ 5,089 $ 6,142 $ 233 Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance December 31, 2019 With no related allowance recorded Agricultural $ 545 $ 545 $ - Commercial and industrial 259 340 - Consumer - - - Construction real estate - - - Commercial real estate 1,882 2,471 - Residential real estate 42 42 - Subtotal 2,728 3,398 - With an allowance recorded Agricultural 379 439 103 Commercial and industrial - - - Consumer 17 18 4 Construction real estate - - - Commercial real estate 406 406 13 Residential real estate 2,392 2,460 235 Subtotal 3,194 3,323 355 Total Agricultural 924 984 103 Commercial and industrial 259 340 - Consumer 18 18 4 Construction real estate - - - Commercial real estate 2,287 2,877 13 Residential real estate 2,434 2,502 235 Total $ 5,922 $ 6,721 $ 355 The following schedule provides information regarding average balances of impaired loans and interest recognized on impaired loans for the three nine September 30, 2020 2019 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended September 30, 2020 With no related allowance recorded Agricultural $ 376 $ - Commercial and industrial 142 - Consumer 2 - Construction real estate - - Commercial real estate 929 3 Residential real estate 109 1 Subtotal 1,558 4 With an allowance recorded Agricultural - - Commercial and industrial 191 - Consumer 20 - Construction real estate - - Commercial real estate 1,268 4 Residential real estate 2,163 17 Subtotal 3,642 21 Total Agricultural 376 - Commercial and industrial 333 - Consumer 22 - Construction real estate - - Commercial real estate 2,197 7 Residential real estate 2,272 18 Total $ 5,200 $ 25 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended September 30, 2019 With no related allowance recorded Agricultural $ - $ - Commercial and industrial 129 - Consumer - - Construction real estate - - Commercial real estate 941 - Residential real estate 109 1 Subtotal 1,179 1 With an allowance recorded Agricultural 389 - Commercial and industrial 191 - Consumer 37 1 Construction real estate - - Commercial real estate 1,693 13 Residential real estate 2,521 48 Subtotal 4,831 62 Total Agricultural 389 - Commercial and industrial 320 - Consumer 37 1 Construction real estate - - Commercial real estate 2,634 13 Residential real estate 2,630 49 Total $ 6,010 $ 63 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Nine Months Ended September 30, 2020 With no related allowance recorded Agricultural $ 324 $ - Commercial and industrial 201 - Consumer 1 - Construction real estate - - Commercial real estate 1,405 11 Residential real estate 84 5 Subtotal 2,015 16 With an allowance recorded Agricultural 190 - Commercial and industrial 102 - Consumer 18 - Construction real estate - - Commercial real estate 826 16 Residential real estate 2,273 71 Subtotal 3,409 87 Total Agricultural 514 - Commercial and industrial 303 - Consumer 19 - Construction real estate - - Commercial real estate 2,231 27 Residential real estate 2,357 76 Total $ 5,424 $ 103 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Nine Months Ended September 30, 2019 With no related allowance recorded Agricultural $ 46 $ - Commercial and industrial 65 9 Consumer - - Construction real estate - - Commercial real estate 507 61 Residential real estate 156 4 Subtotal 774 74 With an allowance recorded Agricultural 390 - Commercial and industrial 107 2 Consumer 56 1 Construction real estate - - Commercial real estate 1,117 27 Residential real estate 2,510 112 Subtotal 4,180 142 Total Agricultural 436 - Commercial and industrial 172 11 Consumer 56 1 Construction real estate - - Commercial real estate 1,624 88 Residential real estate 2,666 116 Total $ 4,954 $ 216 An aging analysis of loans by loan category follows: Loans Loans Loans Past Due Loans Past Due Past Due Greater 90 Days Past (Dollars in thousands) 30 59 60 89 Than 90 Loans Not Total Due and Days (1) Days (1) Days (1) Total (1) Past Due Loans Accruing September 30, 2020 Agricultural $ - $ - $ 373 $ 373 $ 53,130 $ 53,503 $ - Commercial and industrial 369 - 666 1,035 305,085 306,120 - Consumer 75 - - 75 34,078 34,153 - Commercial real estate 1,164 16 1,884 3,064 460,242 463,306 - Construction real estate - 663 - 663 15,826 16,489 - Residential real estate 152 609 235 996 204,229 205,225 157 $ 1,760 $ 1,288 $ 3,158 $ 6,206 $ 1,072,590 $ 1,078,796 $ 157 December 31, 2019 Agricultural $ - $ 68 $ - $ 68 $ 57,271 $ 57,339 $ - Commercial and industrial 542 15 259 816 147,267 148,083 - Consumer 121 19 11 151 38,703 38,854 - Commercial real estate - - 1,882 1,882 324,497 326,379 - Construction real estate - - - - 13,411 13,411 - Residential real estate 2,466 582 393 3,441 214,541 217,982 - $ 3,129 $ 684 $ 2,545 $ 6,358 $ 795,690 $ 802,048 $ - ( 1 Nonaccrual loans by loan category follow: (Dollars in thousands) September 30, December 31, 2020 2019 Agricultural $ 373 $ 379 Commercial and industrial 727 776 Consumer 20 16 Commercial real estate 3,186 2,185 Construction real estate - - Residential real estate 775 1,331 $ 5,081 $ 4,687 The table below details the outstanding balances of the County Bank Corp. acquired loan portfolio and the acquisition fair value adjustments at acquisition date (dollars in thousands): Acquired Acquired Acquired Impaired Non-impaired Total Loans acquired - contractual payments $ 7,729 $ 387,394 $ 395,123 Nonaccretable difference (2,928 ) - (2,928 ) Expected cash flows 4,801 387,394 392,195 Accretable yield (185 ) (1,894 ) (2,079 ) Carrying balance at acquisition date $ 4,616 $ 385,500 $ 390,116 The table below presents a roll forward of the accretable yield on County Bank Corp. acquired loan portfolio for the nine September 30, 2020 (Dollars in thousands) Acquired Acquired Acquired Impaired Non-impaired Total Balance, January 1, 2020 $ (185 ) $ (1,819 ) $ (2,004 ) Accretion January 1, 2020 through June 30, 2020 45 61 106 Balance, June 30, 2020 (140 ) (1,758 ) (1,898 ) Accretion July 1, 2020 through September 30, 2020 2 194 196 Balance, September 30, 2020 $ (138 ) $ (1,564 ) $ (1,702 ) The table below details the outstanding balances of the Community Shores Bank Corporation acquired loan portfolio and the acquisition fair value adjustments at acquisition date (dollars in thousands): Acquired Acquired Acquired Impaired Non-impaired Total Loans acquired - contractual payments $ 20,491 $ 158,495 $ 178,986 Nonaccretable difference (3,547 ) - (3,547 ) Expected cash flows 16,944 158,495 175,439 Accretable yield (869 ) (596 ) (1,465 ) Carrying balance at acquisition date $ 16,075 $ 157,899 $ 173,974 The table below presents a roll forward of the accretable yield on Community Shores Bank Corporation acquired loan portfolio for the nine September 30, 2020 Acquired Acquired Acquired Impaired Non-impaired Total Balance, July 1, 2020 $ (869 ) $ (596 ) $ (1,465 ) Accretion July 1, 2020 through September 30, 2020 20 82 102 Balance, September 30, 2020 $ (849 ) $ (514 ) $ (1,363 )

Note 4 - Earnings Per Share

Note 4 - Earnings Per Share	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 4 Earnings per share are based on the weighted average number of shares outstanding during the period. A computation of basic earnings per share and diluted earnings per share follows: Three Months Ended Nine Months Ended (Dollars in thousands, except share data) September 30, September 30, 2020 2019 2020 2019 Basic Net income $ 3,829 $ 1,021 $ 11,513 $ 4,144 Weighted average common shares outstanding 7,783,005 3,633,474 7,429,765 3,626,961 Basic earnings per common shares $ 0.49 $ 0.28 $ 1.55 $ 1.14 Diluted Net income $ 3,829 $ 1,021 $ 11,513 $ 4,144 Weighted average common shares outstanding 7,783,005 3,633,474 7,429,765 3,626,961 Plus dilutive stock options and restricted stock units 7,460 23,964 7,888 19,870 Weighted average common shares outstanding and potentially dilutive shares 7,790,465 3,657,438 7,437,653 3,646,831 Diluted earnings per common share $ 0.49 $ 0.28 $ 1.55 $ 1.14 There were no stock options that were considered to be anti-dilutive to earnings per share for the three nine September 30, 2020. three September 30, 2019 nine September 30, 2019

Note 5 - Financial Instruments

Note 5 - Financial Instruments	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	Note 5 Financial instruments as of the dates indicated were as follows: Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable (Dollars in thousands) Carrying Estimated Assets Inputs Inputs Amount Fair Value (Level 1) (Level 2) (Level 3) September 30, 2020 Assets Cash and cash equivalents $ 117,883 $ 117,883 $ 117,883 $ - $ - Equity securities at fair value 2,667 2,667 1,187 - 1,480 Securities available for sale 393,338 393,338 - 382,025 11,313 Federal Home Loan Bank and Federal Reserve Bank stock 6,771 6,771 - 6,771 - Loans held for sale 35,826 36,901 - 36,901 - Loans to other financial institutions 55,064 55,064 - 55,064 - Loans, net 1,072,111 1,069,641 - - 1,069,641 Accrued interest receivable 6,610 6,610 - 6,610 - Interest rate lock commitments 1,756 1,756 - 1,756 - Liabilities Noninterest-bearing deposits 447,548 447,548 - 447,548 - Interest-bearing deposits 1,138,822 1,140,084 - 1,140,084 - Borrowings 13,234 13,284 - 13,284 - Accrued interest payable 229 229 - 229 - December 31, 2019 Assets Cash and due from banks $ 59,558 $ 59,558 $ 59,558 $ - $ - Equity securities at fair value 2,851 2,851 1,379 - 1,472 Securities available for sale 339,579 339,579 - 327,212 12,367 Federal Home Loan Bank and Federal Reserve Bank stock 6,458 6,458 - 6,458 - Loans held for sale 3,095 3,134 - 3,134 - Loans to other financial institutions 51,048 51,048 - 51,048 - Loans, net 797,991 793,270 - - 793,270 Accrued interest receivable 3,965 3,965 - 3,965 - Interest rate lock commitments 68 68 - 68 - Liabilities Noninterest-bearing deposits 287,460 287,460 - 287,460 - Interest-bearing deposits 867,142 867,154 - 867,154 - Federal Home Loan Bank advances 33,198 33,243 - 33,243 - Accrued interest payable 411 411 - 411 -

Note 6 - Fair Value Measurement

Note 6 - Fair Value Measurements	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 6 The following tables present information about assets and liabilities measured at fair value on a recurring basis and the valuation techniques used to determine those fair values. In general, fair values determined by Level 1 Fair values determined by Level 2 2 Level 3 In instances where inputs used to measure fair value fall into different levels in the above fair value hierarchy, fair value measurements in their entirety are categorized based on the lowest level input that is significant to the valuation. ChoiceOne Bank’s assessment of the significance of particular inputs to these fair value measurements requires judgment and considers factors specific to each asset or liability. There were no September 30, 2020 December 31, 2019 Assets Measured at Fair Value on a Recurring Basis Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable Balance (Dollars in thousands) Assets Inputs Inputs at Date (Level 1) (Level 2) (Level 3) Indicated Equity Securities Held at Fair Value - September 30, 2020 Equity securities $ 1,187 $ - $ 1,480 $ 2,667 Investment Securities, Available for Sale - September 30, 2020 U. S. Government and federal agency $ - $ 2,061 $ - $ 2,061 U. S. Treasury notes and bonds - 2,065 - 2,065 State and municipal - 258,237 10,313 268,550 Mortgage-backed - 116,773 - 116,773 Corporate - 2,889 - 2,889 Trust preferred securities - - 1,000 1,000 Total $ - $ 382,025 $ 11,313 $ 393,338 Interest Rate Lock Commitments - September 30, 2020 Interest rate lock commitments $ - $ - $ 1,756 $ 1,756 Equity Securities Held at Fair Value - December 31, 2019 Equity securities $ 1,379 $ - $ 1,472 $ 2,851 Investment Securities, Available for Sale - December 31, 2019 U. S. Government and federal agency $ - $ 17,215 $ - $ 17,215 U. S. Treasury notes and bonds - 2,008 - 2,008 State and municipal - 162,557 11,367 173,924 Mortgage-backed - 142,760 - 142,760 Corporate - 2,672 - 2,672 Trust preferred securities - - 1,000 1,000 Total $ - $ 327,212 $ 12,367 $ 339,579 Interest Rate Lock Commitments - December 31, 2019 Interest rate lock commitments $ - $ - $ 68 $ 68 Changes in Level 3 Nine Months Ended (Dollars in thousands) September 30, 2020 2019 Equity Securities Held at Fair Value Balance, January 1 $ 1,472 $ 886 Total realized and unrealized gains included in noninterest income 8 114 Net purchases, sales, calls, and maturities - - Net transfers into Level 3 - - Balance, September 30 $ 1,480 $ 1,000 Investment Securities, Available for Sale Balance, January 1 $ 12,367 $ 8,498 Total unrealized gains included in other comprehensive income 452 350 Net purchases, sales, calls, and maturities (1,506 ) 1,429 Net transfers into Level 3 - - Balance, September 30 $ 11,313 $ 10,277 Of the available for sale Level 3 September 30, 2020 September 30, 2020 Both observable and unobservable inputs may 3 may Securities categorized as Level 3 ChoiceOne also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis. These assets are not Assets Measured at Fair Value on a Non-recurring Basis Quoted Prices In Active Significant Markets for Other Significant Balances at Identical Observable Unobservable (Dollars in thousands) Dates Assets Inputs Inputs Indicated (Level 1) (Level 2) (Level 3) Impaired Loans September 30, 2020 $ 5,089 $ - $ - $ 5,089 December 31, 2019 $ 5,922 $ - $ - $ 5,922 Other Real Estate September 30, 2020 $ 676 $ - $ - $ 676 December 31, 2019 $ 929 $ - $ - $ 929 Impaired loans categorized as Level 3

Note 7 - Revenue from Contracts

Note 7 - Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	NOTE 7 ChoiceOne has a variety of sources of revenue, which include interest and fees from customers as well as revenue from non-customers. ASC Topic 606, 606 Service Charges and Fees on Deposit Accounts Revenue includes charges and fees to provide account maintenance, overdraft services, wire transfers, funds transfer, and other deposit-related services. Account maintenance fees such as monthly service charges are recognized over the period of time that the service is provided. Transaction fees such as wire transfer charges are recognized when the service is provided to the customer. Interchange Income Revenue includes debit card interchange and network revenues. This revenue is earned on debit card transactions that are conducted through payment networks such as MasterCard. The revenue is recorded as services are delivered and is presented net of interchange expenses. Investment Commission Income Revenue includes fees from the investment management advisory services and revenue is recognized when services are rendered. Revenue also includes commissions received from the placement of brokerage transactions for purchase or sale of stocks or other investments. Commission income is recognized when the transaction has been completed. Trust Fee Income Revenue includes fees from the management of trust assets and from other related advisory services. Revenue is recognized when services are rendered. Following is noninterest income separated by revenue within the scope of ASC 606 Three Months Ended Nine Months Ended September 30, September 30, (Dollars in thousands) 2020 2019 2020 2019 Service charges and fees on deposit accounts $ 842 $ 690 $ 2,498 $ 1,987 Interchange income 1,217 404 2,808 1,288 Investment commission income 123 72 384 177 Trust fee income 197 - 569 - Other charges and fees for customer services 111 57 342 177 Noninterest income from contracts with customers within the scope of ASC 606 2,490 1,223 6,601 3,629 Noninterest income within the scope of other GAAP topics 3,835 712 10,408 2,092 Total noninterest income $ 6,326 $ 1,935 $ 17,009 $ 5,721

Note 8 - Business Combination

Note 8 - Business Combination	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Business Combination Disclosure [Text Block]	NOTE 8 Community Shores Bank Corporation ChoiceOne completed the acquisition of Community Shores Bank Corporation (“Community Shores”) with and into ChoiceOne, with ChoiceOne as the surviving entity, effective on July 1, 2020. July 1, 2020 not The table below presents the allocation of purchase price for the merger with Community Shores (dollars in thousands): Purchase Price Consideration $ 20,881 Net assets acquired: Cash and cash equivalents 41,023 Securities available for sale 20,023 Federal Home Loan Bank and Federal Reserve Bank stock 300 Originated loans 173,974 Premises and equipment 6,204 Other real estate owned 346 Deposit based intangible 760 Other assets 1,345 Total assets 243,975 Non-interest bearing deposits 65,499 Interest bearing deposits 162,333 Total deposits 227,832 Trust preferred securities 3,039 Other liabilities 136 Total liabilities 231,007 Net assets acquired 12,968 Goodwill $ 7,913 County Bank Corp ChoiceOne completed the merger of County Bank Corp (“County”) with and into ChoiceOne effective on October 1, 2019. October 1, 2019 not The table below presents the allocation of purchase price for the merger with County (dollars in thousands): Purchase Price Consideration $ 107,945 Net assets acquired: Cash and cash equivalents 20,638 Equity securities at fair value 474 Securities available for sale 187,230 Federal Home Loan Bank and Federal Reserve Bank stock 2,915 Loans to other financial institutions 33,481 Originated loans 390,116 Premises and equipment 9,271 Other real estate owned 1,364 Deposit based intangible 6,359 Bank owned life insurance 16,912 Other assets 4,002 Total assets 672,762 Non-interest bearing deposits 124,113 Interest bearing deposits 449,488 Total deposits 573,601 Federal funds purchased 3,800 Advances from Federal Home Loan Bank 23,000 Other liabilities 3,282 Total liabilities 603,683 Net assets acquired 69,079 Goodwill $ 38,866

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	Principles of Consolidation The consolidated financial statements include ChoiceOne Financial Services, Inc. ("ChoiceOne"), its wholly-owned subsidiaries, ChoiceOne Bank and Community Shores Bank (together referred to as the “Banks”), ChoiceOne Bank’s wholly-owned subsidiaries, ChoiceOne Insurance Agencies, Inc. and Lakestone Financial Services, Inc., and Community Shores' wholly-owned subsidiary, Community Shores Financial Services, Inc. Intercompany transactions and balances have been eliminated in consolidation. Community Shores Bank was consolidated with and into ChoiceOne Bank effective October 16, 2020. The consolidated unaudited financial statements and notes thereto have been prepared in accordance with generally accepted accounting principles for interim financial information, prevailing practices within the banking industry and the instructions to Form 10 not The accompanying unaudited consolidated financial statements and notes thereto reflect all adjustments ordinary in nature which are, in the opinion of management, necessary for a fair presentation of the Consolidated Balance Sheets as of September 30, 2020 December 31, 2019 three nine September 30, 2020 September 30, 2019 three nine September 30, 2020 September 30, 2019 three nine September 30, 2020 September 30, 2019 nine September 30, 2020 September 30, 2019 nine September 30, 2020 not may December 31, 2020 The accompanying consolidated financial statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in ChoiceOne’s Annual Report on Form 10 December 31, 2019
Use of Estimates, Policy [Policy Text Block]	Use of Estimates To prepare financial statements in conformity with GAAP, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided; therefore, future results could differ. These estimates and assumptions are subject to many risks and uncertainties, including changes in interest rates and other general economic, business and political conditions, including the effects of the COVID- 19 may
Mortgage Banking Activity [Policy Text Block]	Loans to Other Financial Institutions ChoiceOne Bank entered into an agreement with another financial institution to fund mortgage loans. Loans to other financial institutions are purchased participating interests in individual advances made to mortgage bankers nation-wide from an unaffiliated originating bank. The originating bank services these loans and cash flows on the individual advances (principal, interest, and fees) which are allocated pro-rata based on ownership in the participating interest, less fees paid for the servicing activity. The underlying collateral is generally made up of 1 4 first 90 September 30, 2020 Credit risk associated with the participating interest is measured as an allowance for loan losses when necessary. Losses are charged off against the allowance when incurred and recoveries of loan charge-offs are recorded when received. At least quarterly, ChoiceOne Bank reviews the portfolios of participating interests for potential losses including any participating interest that is outstanding over 90 September 30, 2020 30 December 31, 2019, 30 first nine 2020
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses is maintained at a level believed adequate by management to absorb probable incurred losses inherent in the consolidated loan portfolio. Management’s evaluation of the adequacy of the allowance is an estimate based on reviews of individual loans, assessments of the impact of current economic conditions on the portfolio and historical loss experience of seasoned loan portfolios. See Note 3 Management believes the accounting estimate related to the allowance for loan losses is a “critical accounting estimate” because ( 1 2
Stockholders' Equity, Policy [Policy Text Block]	Stock Transactions A total of 10,132 shares of common stock were issued to ChoiceOne’s Board of Directors for a cash price of $289,000 under the terms of the Directors’ Stock Purchase Plan in the first nine 2020 first nine 2020 first nine 2020 first nine 2020.
Share-based Payment Arrangement [Policy Text Block]	Stock-Based Compensation ChoiceOne grants restricted stock units to a select group of employees under the Stock Incentive Plan of 2012. three one
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications Certain amounts presented in prior periods have been reclassified to conform to the current presentation.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements The Financial Accounting Standards Board ("FASB") issued ASU No. 2016 13 , Financial Instruments—Credit Losses (Topic 326 no may may December 15, 2022, December 31, 2019 may
Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]	Goodwill Goodwill is not first 1 not not, no Management performed its annual qualitative assessment of goodwill as of June 30, 2020. not 350 20 35 3c. 19 may December 2019 June 2020, not June 30, 2020 no

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Debt Securities, Trading, and Equity Securities, FV-NI [Table Text Block]	September 30, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 2,636 $ 31 $ - $ 2,667 December 31, 2019 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 2,636 $ 215 $ - $ 2,851
Debt Securities, Available-for-sale [Table Text Block]	September 30, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 2,008 $ 53 $ - $ 2,061 U.S. Treasury notes and bonds 1,996 69 - 2,065 State and municipal 258,226 10,324 - 268,550 Mortgage-backed 115,695 1,565 (487 ) 116,773 Corporate 2,838 51 - 2,889 Trust preferred securities 1,000 - - 1,000 Total $ 381,763 $ 12,062 $ (487 ) $ 393,338 December 31, 2019 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 17,231 $ 23 $ (39 ) $ 17,215 U.S. Treasury notes and bonds 1,994 14 - 2,008 State and municipal 172,487 2,694 (1,257 ) 173,924 Mortgage-backed 142,504 585 (329 ) 142,760 Corporate 2,649 24 (1 ) 2,672 Trust preferred securities 1,000 - - 1,000 Total $ 337,865 $ 3,340 $ (1,626 ) $ 339,579
Investments Classified by Contractual Maturity Date [Table Text Block]	Securities maturing within: Fair Value Fair Value Less than 1 Year - 5 Years - More than at September 30, at Dec. 31, (Dollars in thousands) 1 Year 5 Years 10 Years 10 Years 2020 2019 U.S. Government and federal agency $ - $ 2,061 $ - $ - $ 2,061 $ 17,215 U.S. Treasury notes and bonds - 2,065 - - 2,065 2,008 State and municipal 14,534 53,241 187,171 13,604 268,550 173,924 Corporate 1,856 1,033 - - 2,889 2,672 Trust preferred securities - - 1,000 - 1,000 1,000 Total debt securities 16,390 58,400 188,171 13,604 276,565 196,819 Mortgage-backed securities 4,305 30,667 79,727 2,074 116,773 142,760 Equity securities - - 1,000 1,667 2,667 2,851 Total $ 20,695 $ 89,067 $ 268,898 $ 17,345 $ 396,005 $ 342,430 Weighted average yields: Less than 1 Year - 5 Years - More than 1 Year 5 Years 10 Years 10 Years Total U.S. Government and federal agency - % 1.98 % - % - % 1.98 % U.S. Treasury notes and bonds - 1.85 - - 1.85 State and municipal 1.78 2.88 2.72 3.02 2.72 Corporate 1.37 2.86 - - 1.90 Trust preferred securities - - 4.66 - 4.66 Mortgage-backed securities 4.93 2.24 0.79 3.06 1.36 Equity securities - - 4.61 - 1.27
Gain (Loss) on Securities [Table Text Block]	Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Net gains and losses recognized during the period $ (238 ) $ (146 ) $ (184 ) $ 119 Less: Net gains and losses recognized during the period on securities sold — (3 ) — 4 Unrealized gains and losses recognized during the reporting period on securities still held at the reporting date $ (238 ) $ (143 ) $ (184 ) $ 115

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Commercial (Dollars in thousands) and Commercial Construction Residential Agricultural Industrial Consumer Real Estate Real Estate Real Estate Unallocated Total Allowance for Loan Losses Three Months Ended September 30, 2020 Beginning balance $ 252 $ 1,398 $ 243 $ 2,833 $ 79 $ 945 $ - $ 5,750 Charge-offs — (29 ) (58 ) (255 ) — (1 ) — (343 ) Recoveries — 1 46 4 — 2 — 53 Provision 17 (285 ) 48 961 31 122 331 1,225 Ending balance $ 269 $ 1,085 $ 279 $ 3,543 $ 110 $ 1,068 $ 331 $ 6,685 Allowance for Loan Losses Nine Months Ended September 30, 2020 Beginning balance $ 471 $ 655 $ 270 $ 1,663 $ 76 $ 640 $ 282 $ 4,057 Charge-offs — (46 ) (242 ) (255 ) — (8 ) — (551 ) Recoveries — 2 156 4 — 17 — 179 Provision (202 ) 474 95 2,131 34 419 49 3,000 Ending balance $ 269 $ 1,085 $ 279 $ 3,543 $ 110 $ 1,068 $ 331 $ 6,685 Individually evaluated for impairment $ — $ 1 $ 1 $ 13 $ — $ 218 $ — $ 233 Collectively evaluated for impairment $ 269 $ 1,084 $ 278 $ 3,530 $ 110 $ 850 $ 331 $ 6,452 Loans September 30, 2020 Individually evaluated for impairment $ 373 $ 345 $ 19 $ 2,149 $ — $ 2,203 $ 5,089 Collectively evaluated for impairment 53,130 297,886 34,104 449,041 16,489 199,930 1,050,580 Acquired with deteriorated credit quality — 7,889 30 12,116 — 3,092 23,127 Ending balance $ 53,503 $ 306,120 $ 34,153 $ 463,306 $ 16,489 $ 205,225 $ 1,078,796 Commercial (Dollars in thousands) and Commercial Construction Residential Agricultural Industrial Consumer Real Estate Real Estate Real Estate Unallocated Total Allowance for Loan Losses Three Months Ended September 30, 2019 Beginning balance $ 362 $ 818 $ 335 $ 2,398 $ 43 $ 522 $ 323 $ 4,801 Charge-offs - (81 ) (71 ) (589 ) - (11 ) - (752 ) Recoveries - 1 25 16 - 5 - 47 Provision 111 (87 ) (27 ) (182 ) 5 (80 ) 260 - Ending balance $ 473 $ 651 $ 262 $ 1,643 $ 48 $ 436 $ 583 $ 4,096 Allowance for Loan Losses Nine Months Ended September 30, 2019 Beginning balance $ 481 $ 892 $ 254 $ 1,926 $ 38 $ 537 $ 545 $ 4,673 Charge-offs - (83 ) (222 ) (589 ) - (25 ) - (919 ) Recoveries 65 21 113 22 - 121 - 342 Provision (73 ) (179 ) 117 284 10 (197 ) 38 - Ending balance $ 473 $ 651 $ 262 $ 1,643 $ 48 $ 436 $ 583 $ 4,096 Individually evaluated for impairment $ 85 $ 2 $ 4 $ 14 $ - $ 186 $ - $ 291 Collectively evaluated for impairment $ 388 $ 649 $ 258 $ 1,629 $ 48 $ 250 $ 583 $ 3,805 Loans September 30, 2019 Individually evaluated for impairment $ 389 $ 279 $ 20 $ 2,331 $ - $ 2,646 $ 5,665 Collectively evaluated for impairment 49,668 81,252 24,388 141,975 11,188 92,670 401,141 Acquired with deteriorated credit quality - - - - - - - Ending balance $ 50,057 $ 81,531 $ 24,408 $ 144,306 $ 11,188 $ 95,316 $ 406,806 Commercial (Dollars in thousands) and Commercial Construction Residential Agricultural Industrial Consumer Real Estate Real Estate Real Estate Unallocated Total Allowance for Loan Losses December 31, 2019 Individually evaluated for impairment $ 103 $ - $ 4 $ 13 $ - $ 235 $ - $ 355 Collectively evaluated for impairment $ 368 $ 655 $ 266 $ 1,650 $ 76 $ 405 $ 282 $ 3,702 Loans December 31, 2019 Individually evaluated for impairment $ 924 $ 259 $ 17 $ 2,288 $ - $ 2,434 $ 5,922 Collectively evaluated for impairment 56,415 141,583 38,524 323,358 13,411 215,106 788,397 Acquired with deteriorated credit quality - 6,241 313 733 - 442 7,729 Ending balance $ 57,339 $ 148,083 $ 38,854 $ 326,379 $ 13,411 $ 217,982 $ 802,048
Financing Receivable Credit Quality Indicators [Table Text Block]	(Dollars in thousands) Agricultural Commercial and Industrial Commercial Real Estate September 30, December 31, September 30, December 31, September 30, December 31, 2020 2019 2020 2019 2020 2019 Pass $ 49,855 $ 55,866 $ 293,858 $ 146,728 $ 448,053 $ 322,105 Special Mention 3,275 1,094 4,526 1,081 5,275 1,332 Substandard 373 379 7,736 274 8,505 2,942 Doubtful - - - - 1,473 - $ 53,503 $ 57,339 $ 306,120 $ 148,083 $ 463,306 $ 326,379 (Dollars in thousands) Consumer Construction Real Estate Residential Real Estate September 30, December 31, September 30, December 31, September 30, December 31, 2020 2019 2020 2019 2020 2019 Performing $ 34,134 $ 38,838 $ 16,489 $ 13,411 $ 204,293 $ 216,651 Nonperforming - - - - 157 - Nonaccrual 19 16 - - 775 1,331 $ 34,153 $ 38,854 $ 16,489 $ 13,411 $ 205,225 $ 217,982
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 Pre- Post- Pre- Post- Modification Modification Modification Modification Outstanding Outstanding Outstanding Outstanding (Dollars in thousands) Number of Recorded Recorded Number of Recorded Recorded Loans Investment Investment Loans Investment Investment Agricultural - $ - $ - 1 $ 67 $ 67 Commercial Real Estate - - - 2 1,666 1,666 Total - $ - $ - 3 $ 1,733 $ 1,733 Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 (Dollars in thousands) Number Recorded Number Recorded of Loans Investment of Loans Investment Agricultural 1 $ 67 1 $ 67 Commercial Real Estate 2 1,666 2 1,666 Total 3 $ 1,733 3 $ 1,733
Impaired Financing Receivables [Table Text Block]	Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance September 30, 2020 With no related allowance recorded Agricultural $ 373 $ 440 $ - Commercial and industrial 284 395 - Consumer 4 5 - Construction real estate - - - Commercial real estate 1,859 2,664 - Residential real estate 196 200 - Subtotal 2,716 3,704 - With an allowance recorded Agricultural - - - Commercial and industrial 61 64 1 Consumer 15 16 1 Construction real estate - - - Commercial real estate 290 290 13 Residential real estate 2,007 2,068 218 Subtotal 2,373 2,438 233 Total Agricultural 373 440 - Commercial and industrial 345 459 1 Consumer 19 21 1 Construction real estate - - - Commercial real estate 2,149 2,954 13 Residential real estate 2,203 2,268 218 Total $ 5,089 $ 6,142 $ 233 Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance December 31, 2019 With no related allowance recorded Agricultural $ 545 $ 545 $ - Commercial and industrial 259 340 - Consumer - - - Construction real estate - - - Commercial real estate 1,882 2,471 - Residential real estate 42 42 - Subtotal 2,728 3,398 - With an allowance recorded Agricultural 379 439 103 Commercial and industrial - - - Consumer 17 18 4 Construction real estate - - - Commercial real estate 406 406 13 Residential real estate 2,392 2,460 235 Subtotal 3,194 3,323 355 Total Agricultural 924 984 103 Commercial and industrial 259 340 - Consumer 18 18 4 Construction real estate - - - Commercial real estate 2,287 2,877 13 Residential real estate 2,434 2,502 235 Total $ 5,922 $ 6,721 $ 355 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended September 30, 2020 With no related allowance recorded Agricultural $ 376 $ - Commercial and industrial 142 - Consumer 2 - Construction real estate - - Commercial real estate 929 3 Residential real estate 109 1 Subtotal 1,558 4 With an allowance recorded Agricultural - - Commercial and industrial 191 - Consumer 20 - Construction real estate - - Commercial real estate 1,268 4 Residential real estate 2,163 17 Subtotal 3,642 21 Total Agricultural 376 - Commercial and industrial 333 - Consumer 22 - Construction real estate - - Commercial real estate 2,197 7 Residential real estate 2,272 18 Total $ 5,200 $ 25 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended September 30, 2019 With no related allowance recorded Agricultural $ - $ - Commercial and industrial 129 - Consumer - - Construction real estate - - Commercial real estate 941 - Residential real estate 109 1 Subtotal 1,179 1 With an allowance recorded Agricultural 389 - Commercial and industrial 191 - Consumer 37 1 Construction real estate - - Commercial real estate 1,693 13 Residential real estate 2,521 48 Subtotal 4,831 62 Total Agricultural 389 - Commercial and industrial 320 - Consumer 37 1 Construction real estate - - Commercial real estate 2,634 13 Residential real estate 2,630 49 Total $ 6,010 $ 63 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Nine Months Ended September 30, 2020 With no related allowance recorded Agricultural $ 324 $ - Commercial and industrial 201 - Consumer 1 - Construction real estate - - Commercial real estate 1,405 11 Residential real estate 84 5 Subtotal 2,015 16 With an allowance recorded Agricultural 190 - Commercial and industrial 102 - Consumer 18 - Construction real estate - - Commercial real estate 826 16 Residential real estate 2,273 71 Subtotal 3,409 87 Total Agricultural 514 - Commercial and industrial 303 - Consumer 19 - Construction real estate - - Commercial real estate 2,231 27 Residential real estate 2,357 76 Total $ 5,424 $ 103 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Nine Months Ended September 30, 2019 With no related allowance recorded Agricultural $ 46 $ - Commercial and industrial 65 9 Consumer - - Construction real estate - - Commercial real estate 507 61 Residential real estate 156 4 Subtotal 774 74 With an allowance recorded Agricultural 390 - Commercial and industrial 107 2 Consumer 56 1 Construction real estate - - Commercial real estate 1,117 27 Residential real estate 2,510 112 Subtotal 4,180 142 Total Agricultural 436 - Commercial and industrial 172 11 Consumer 56 1 Construction real estate - - Commercial real estate 1,624 88 Residential real estate 2,666 116 Total $ 4,954 $ 216
Financing Receivable, Past Due [Table Text Block]	Loans Loans Loans Past Due Loans Past Due Past Due Greater 90 Days Past (Dollars in thousands) 30 59 60 89 Than 90 Loans Not Total Due and Days (1) Days (1) Days (1) Total (1) Past Due Loans Accruing September 30, 2020 Agricultural $ - $ - $ 373 $ 373 $ 53,130 $ 53,503 $ - Commercial and industrial 369 - 666 1,035 305,085 306,120 - Consumer 75 - - 75 34,078 34,153 - Commercial real estate 1,164 16 1,884 3,064 460,242 463,306 - Construction real estate - 663 - 663 15,826 16,489 - Residential real estate 152 609 235 996 204,229 205,225 157 $ 1,760 $ 1,288 $ 3,158 $ 6,206 $ 1,072,590 $ 1,078,796 $ 157 December 31, 2019 Agricultural $ - $ 68 $ - $ 68 $ 57,271 $ 57,339 $ - Commercial and industrial 542 15 259 816 147,267 148,083 - Consumer 121 19 11 151 38,703 38,854 - Commercial real estate - - 1,882 1,882 324,497 326,379 - Construction real estate - - - - 13,411 13,411 - Residential real estate 2,466 582 393 3,441 214,541 217,982 - $ 3,129 $ 684 $ 2,545 $ 6,358 $ 795,690 $ 802,048 $ -
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) September 30, December 31, 2020 2019 Agricultural $ 373 $ 379 Commercial and industrial 727 776 Consumer 20 16 Commercial real estate 3,186 2,185 Construction real estate - - Residential real estate 775 1,331 $ 5,081 $ 4,687
Business Acquisition, Pro Forma Information, Nonrecurring Adjustments [Table Text Block]	Acquired Acquired Acquired Impaired Non-impaired Total Loans acquired - contractual payments $ 7,729 $ 387,394 $ 395,123 Nonaccretable difference (2,928 ) - (2,928 ) Expected cash flows 4,801 387,394 392,195 Accretable yield (185 ) (1,894 ) (2,079 ) Carrying balance at acquisition date $ 4,616 $ 385,500 $ 390,116 (Dollars in thousands) Acquired Acquired Acquired Impaired Non-impaired Total Balance, January 1, 2020 $ (185 ) $ (1,819 ) $ (2,004 ) Accretion January 1, 2020 through June 30, 2020 45 61 106 Balance, June 30, 2020 (140 ) (1,758 ) (1,898 ) Accretion July 1, 2020 through September 30, 2020 2 194 196 Balance, September 30, 2020 $ (138 ) $ (1,564 ) $ (1,702 ) Acquired Acquired Acquired Impaired Non-impaired Total Loans acquired - contractual payments $ 20,491 $ 158,495 $ 178,986 Nonaccretable difference (3,547 ) - (3,547 ) Expected cash flows 16,944 158,495 175,439 Accretable yield (869 ) (596 ) (1,465 ) Carrying balance at acquisition date $ 16,075 $ 157,899 $ 173,974 Acquired Acquired Acquired Impaired Non-impaired Total Balance, July 1, 2020 $ (869 ) $ (596 ) $ (1,465 ) Accretion July 1, 2020 through September 30, 2020 20 82 102 Balance, September 30, 2020 $ (849 ) $ (514 ) $ (1,363 )

Note 4 - Earnings Per Share (Ta

Note 4 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended Nine Months Ended (Dollars in thousands, except share data) September 30, September 30, 2020 2019 2020 2019 Basic Net income $ 3,829 $ 1,021 $ 11,513 $ 4,144 Weighted average common shares outstanding 7,783,005 3,633,474 7,429,765 3,626,961 Basic earnings per common shares $ 0.49 $ 0.28 $ 1.55 $ 1.14 Diluted Net income $ 3,829 $ 1,021 $ 11,513 $ 4,144 Weighted average common shares outstanding 7,783,005 3,633,474 7,429,765 3,626,961 Plus dilutive stock options and restricted stock units 7,460 23,964 7,888 19,870 Weighted average common shares outstanding and potentially dilutive shares 7,790,465 3,657,438 7,437,653 3,646,831 Diluted earnings per common share $ 0.49 $ 0.28 $ 1.55 $ 1.14

Note 5 - Financial Instruments

Note 5 - Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable (Dollars in thousands) Carrying Estimated Assets Inputs Inputs Amount Fair Value (Level 1) (Level 2) (Level 3) September 30, 2020 Assets Cash and cash equivalents $ 117,883 $ 117,883 $ 117,883 $ - $ - Equity securities at fair value 2,667 2,667 1,187 - 1,480 Securities available for sale 393,338 393,338 - 382,025 11,313 Federal Home Loan Bank and Federal Reserve Bank stock 6,771 6,771 - 6,771 - Loans held for sale 35,826 36,901 - 36,901 - Loans to other financial institutions 55,064 55,064 - 55,064 - Loans, net 1,072,111 1,069,641 - - 1,069,641 Accrued interest receivable 6,610 6,610 - 6,610 - Interest rate lock commitments 1,756 1,756 - 1,756 - Liabilities Noninterest-bearing deposits 447,548 447,548 - 447,548 - Interest-bearing deposits 1,138,822 1,140,084 - 1,140,084 - Borrowings 13,234 13,284 - 13,284 - Accrued interest payable 229 229 - 229 - December 31, 2019 Assets Cash and due from banks $ 59,558 $ 59,558 $ 59,558 $ - $ - Equity securities at fair value 2,851 2,851 1,379 - 1,472 Securities available for sale 339,579 339,579 - 327,212 12,367 Federal Home Loan Bank and Federal Reserve Bank stock 6,458 6,458 - 6,458 - Loans held for sale 3,095 3,134 - 3,134 - Loans to other financial institutions 51,048 51,048 - 51,048 - Loans, net 797,991 793,270 - - 793,270 Accrued interest receivable 3,965 3,965 - 3,965 - Interest rate lock commitments 68 68 - 68 - Liabilities Noninterest-bearing deposits 287,460 287,460 - 287,460 - Interest-bearing deposits 867,142 867,154 - 867,154 - Federal Home Loan Bank advances 33,198 33,243 - 33,243 - Accrued interest payable 411 411 - 411 -

Note 6 - Fair Value Measureme_2

Note 6 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable Balance (Dollars in thousands) Assets Inputs Inputs at Date (Level 1) (Level 2) (Level 3) Indicated Equity Securities Held at Fair Value - September 30, 2020 Equity securities $ 1,187 $ - $ 1,480 $ 2,667 Investment Securities, Available for Sale - September 30, 2020 U. S. Government and federal agency $ - $ 2,061 $ - $ 2,061 U. S. Treasury notes and bonds - 2,065 - 2,065 State and municipal - 258,237 10,313 268,550 Mortgage-backed - 116,773 - 116,773 Corporate - 2,889 - 2,889 Trust preferred securities - - 1,000 1,000 Total $ - $ 382,025 $ 11,313 $ 393,338 Interest Rate Lock Commitments - September 30, 2020 Interest rate lock commitments $ - $ - $ 1,756 $ 1,756 Equity Securities Held at Fair Value - December 31, 2019 Equity securities $ 1,379 $ - $ 1,472 $ 2,851 Investment Securities, Available for Sale - December 31, 2019 U. S. Government and federal agency $ - $ 17,215 $ - $ 17,215 U. S. Treasury notes and bonds - 2,008 - 2,008 State and municipal - 162,557 11,367 173,924 Mortgage-backed - 142,760 - 142,760 Corporate - 2,672 - 2,672 Trust preferred securities - - 1,000 1,000 Total $ - $ 327,212 $ 12,367 $ 339,579 Interest Rate Lock Commitments - December 31, 2019 Interest rate lock commitments $ - $ - $ 68 $ 68
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Nine Months Ended (Dollars in thousands) September 30, 2020 2019 Equity Securities Held at Fair Value Balance, January 1 $ 1,472 $ 886 Total realized and unrealized gains included in noninterest income 8 114 Net purchases, sales, calls, and maturities - - Net transfers into Level 3 - - Balance, September 30 $ 1,480 $ 1,000 Investment Securities, Available for Sale Balance, January 1 $ 12,367 $ 8,498 Total unrealized gains included in other comprehensive income 452 350 Net purchases, sales, calls, and maturities (1,506 ) 1,429 Net transfers into Level 3 - - Balance, September 30 $ 11,313 $ 10,277
Fair Value Measurements, Nonrecurring [Table Text Block]	Quoted Prices In Active Significant Markets for Other Significant Balances at Identical Observable Unobservable (Dollars in thousands) Dates Assets Inputs Inputs Indicated (Level 1) (Level 2) (Level 3) Impaired Loans September 30, 2020 $ 5,089 $ - $ - $ 5,089 December 31, 2019 $ 5,922 $ - $ - $ 5,922 Other Real Estate September 30, 2020 $ 676 $ - $ - $ 676 December 31, 2019 $ 929 $ - $ - $ 929

Note 7 - Revenue from Contrac_2

Note 7 - Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended Nine Months Ended September 30, September 30, (Dollars in thousands) 2020 2019 2020 2019 Service charges and fees on deposit accounts $ 842 $ 690 $ 2,498 $ 1,987 Interchange income 1,217 404 2,808 1,288 Investment commission income 123 72 384 177 Trust fee income 197 - 569 - Other charges and fees for customer services 111 57 342 177 Noninterest income from contracts with customers within the scope of ASC 606 2,490 1,223 6,601 3,629 Noninterest income within the scope of other GAAP topics 3,835 712 10,408 2,092 Total noninterest income $ 6,326 $ 1,935 $ 17,009 $ 5,721

Note 8 - Business Combination (

Note 8 - Business Combination (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Business Acquisitions, by Acquisition [Table Text Block]	Purchase Price Consideration $ 20,881 Net assets acquired: Cash and cash equivalents 41,023 Securities available for sale 20,023 Federal Home Loan Bank and Federal Reserve Bank stock 300 Originated loans 173,974 Premises and equipment 6,204 Other real estate owned 346 Deposit based intangible 760 Other assets 1,345 Total assets 243,975 Non-interest bearing deposits 65,499 Interest bearing deposits 162,333 Total deposits 227,832 Trust preferred securities 3,039 Other liabilities 136 Total liabilities 231,007 Net assets acquired 12,968 Goodwill $ 7,913 Purchase Price Consideration $ 107,945 Net assets acquired: Cash and cash equivalents 20,638 Equity securities at fair value 474 Securities available for sale 187,230 Federal Home Loan Bank and Federal Reserve Bank stock 2,915 Loans to other financial institutions 33,481 Originated loans 390,116 Premises and equipment 9,271 Other real estate owned 1,364 Deposit based intangible 6,359 Bank owned life insurance 16,912 Other assets 4,002 Total assets 672,762 Non-interest bearing deposits 124,113 Interest bearing deposits 449,488 Total deposits 573,601 Federal funds purchased 3,800 Advances from Federal Home Loan Bank 23,000 Other liabilities 3,282 Total liabilities 603,683 Net assets acquired 69,079 Goodwill $ 38,866

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual)		3 Months Ended		9 Months Ended
		Sep. 30, 2020USD ($)shares	Sep. 30, 2019USD ($)shares	Sep. 30, 2020USD ($)shares	Sep. 30, 2019USD ($)shares	Dec. 31, 2019USD ($)
Participating Interest In Loans, Losses or Charge-offs				$ 0
Stock Issued During Period, Value, New Issues		$ 143,000	$ 40,000	$ 304,000	$ 99,000
Common Stock Including Additional Paid in Capital [Member]
Stock Issued During Period, Shares, New Issues (in shares) | shares		5,169	1,471	14,291	6,728
Stock Issued During Period, Value, New Issues		$ 143,000	$ 40,000	$ 304,000	$ 99,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period (in shares) | shares	[1]	231		7,261	3,390
Stock Issued During Period, Shares, Restricted Stock Award, Gross (in shares) | shares				365	7,787
Directors' Stock Purchase Plan [Member]
Stock Issued During Period, Shares, New Issues (in shares) | shares				10,132
Stock Issued During Period, Value, New Issues				$ 289,000
Employee Stock Purchase Plan [Member]
Stock Issued During Period, Shares, New Issues (in shares) | shares				4,159
Stock Issued During Period, Value, New Issues				$ 101,000
Credit Concentration Risk [Member] | Participating Interests in Mortgage Loans [Member]
Number Of Mortgage Bankers		17		17
Concentration Risk, Percentage				13.00%
Number of Participating Interest In Loans To Other Financial Institutions Over 30 Days		44		44		26
Number of Participating Interest In Loans To Other Financial Institutions		326		326		222
Participating Interest In Loans To Other Financial Institutions Over 30 Days		$ 9,100,000		$ 9,100,000		$ 6,400,000
[1]	The amount shown represents the number of shares issued in cashless transactions where some taxes are netted on a portion of the exercises.

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities, Total	$ 0	$ 0	$ 0	$ 0

Note 2 - Securities - Fair Valu

Note 2 - Securities - Fair Value of Equity Securities and Related Gross Unrealized Gains (Losses) Recognized in Interest Income (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Amortized Cost	$ 2,636	$ 2,636
Gross Unrealized Gains	31	215
Gross Unrealized Losses	0	0
Equity securities at fair value (Note 2)	$ 2,667	$ 2,851

Note 2 - Securities - Fair Va_2

Note 2 - Securities - Fair Value of Securities Available for Sale and The Related Unrealized Gains and Losses Recognized in Accumulated Comprehensive Income (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Amortized Cost	$ 381,763	$ 337,865
Gross Unrealized Gains	12,062	3,340
Gross Unrealized Losses	(487)	(1,626)
Fair Value	393,338	339,579
US Treasury and Government [Member]
Amortized Cost	2,008	17,231
Gross Unrealized Gains	53	23
Gross Unrealized Losses	0	(39)
Fair Value	2,061	17,215
US Treasury Securities [Member]
Amortized Cost	1,996	1,994
Gross Unrealized Gains	69	14
Gross Unrealized Losses	0	0
Fair Value	2,065	2,008
US States and Political Subdivisions Debt Securities [Member]
Amortized Cost	258,226	172,487
Gross Unrealized Gains	10,324	2,694
Gross Unrealized Losses	0	(1,257)
Fair Value	268,550	173,924
Collateralized Mortgage Backed Securities [Member]
Amortized Cost	115,695	142,504
Gross Unrealized Gains	1,565	585
Gross Unrealized Losses	(487)	(329)
Fair Value	116,773	142,760
Corporate Debt Securities [Member]
Amortized Cost	2,838	2,649
Gross Unrealized Gains	51	24
Gross Unrealized Losses	0	(1)
Fair Value	2,889	2,672
Trust Preferred Securities [Member]
Amortized Cost	1,000	1,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 1,000	$ 1,000

Note 2 - Securities - Schedule

Note 2 - Securities - Schedule of Maturities of Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Less than 1 Year	$ 20,695
1 Year - 5 Years	89,067
5 years to 10 years	268,898
More than 10 Years	17,345
Equity securities at fair value (Note 2)	2,667	$ 2,851
Investment	$ 396,005	342,430
U.S. Government and federal agency	0.00%
1 year to 5 years, weighted average yield	0.00%
5 years to 10 years , weighted average yields	4.61%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	1.27%
US Treasury and Government [Member]
Less than 1 Year	$ 0
1 Year - 5 Years	2,061
5 years to 10 years	0
More than 10 Years	0
Equity securities at fair value (Note 2)	$ 2,061	17,215
U.S. Government and federal agency	0.00%
1 year to 5 years, weighted average yield	1.98%
5 years to 10 years , weighted average yields	0.00%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	1.98%
US Treasury Securities [Member]
Less than 1 Year	$ 0
1 Year - 5 Years	2,065
5 years to 10 years	0
More than 10 Years	0
Equity securities at fair value (Note 2)	$ 2,065	2,008
U.S. Government and federal agency	0.00%
1 year to 5 years, weighted average yield	1.85%
5 years to 10 years , weighted average yields	0.00%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	1.85%
US States and Political Subdivisions Debt Securities [Member]
Less than 1 Year	$ 14,534
1 Year - 5 Years	53,241
5 years to 10 years	187,171
More than 10 Years	13,604
Equity securities at fair value (Note 2)	$ 268,550	173,924
U.S. Government and federal agency	1.78%
1 year to 5 years, weighted average yield	2.88%
5 years to 10 years , weighted average yields	2.72%
More than 10 years , weighted average yields	3.02%
Weighted average yields, total	2.72%
Trust Preferred Securities [Member]
Less than 1 Year	$ 0
1 Year - 5 Years	0
5 years to 10 years	1,000
More than 10 Years	0
Equity securities at fair value (Note 2)	$ 1,000	1,000
U.S. Government and federal agency	1.37%
1 year to 5 years, weighted average yield	2.86%
5 years to 10 years , weighted average yields	0.00%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	1.90%
Corporate Debt Securities [Member]
Less than 1 Year	$ 1,856
1 Year - 5 Years	1,033
5 years to 10 years	0
More than 10 Years	0
Equity securities at fair value (Note 2)	2,889	2,672
Collateralized Mortgage Backed Securities [Member]
Less than 1 Year	4,305
1 Year - 5 Years	30,667
5 years to 10 years	79,727
More than 10 Years	2,074
Equity securities at fair value (Note 2)	$ 116,773	142,760
U.S. Government and federal agency	0.00%
1 year to 5 years, weighted average yield	0.00%
5 years to 10 years , weighted average yields	4.66%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	4.66%
Equity Securities [Member]
Less than 1 Year	$ 0
1 Year - 5 Years	0
5 years to 10 years	1,000
More than 10 Years	1,667
Equity securities at fair value (Note 2)	$ 2,667	2,851
U.S. Government and federal agency	4.93%
1 year to 5 years, weighted average yield	2.24%
5 years to 10 years , weighted average yields	0.79%
More than 10 years , weighted average yields	3.06%
Weighted average yields, total	1.36%
Debt [Member]
Less than 1 Year	$ 16,390
1 Year - 5 Years	58,400
5 years to 10 years	188,171
More than 10 Years	13,604
Equity securities at fair value (Note 2)	$ 276,565	$ 196,819

Note 2 - Securities - Unrealize

Note 2 - Securities - Unrealized Gains and Losses on Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Change in market value of equity securities	$ (238)	$ (146)	$ (184)	$ 119
Less: Net gains and losses recognized during the period on securities sold	0	(3)	0	4
Unrealized gains and losses recognized during the reporting period on securities still held at the reporting date	$ (238)	$ (143)	$ (184)	$ 115

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Loan Losses (Details Textual)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Dec. 31, 2019
Provision for Loan, Lease, and Other Losses, Total	$ 1,225,000	$ 0	$ 3,000,000	$ 0
Financing Receivable, Modifications, Number of Contracts	0		3		0
Financing Receivable, Number of Payment Deferrals	750		750
Financing Receivable, Deferred Payments	$ 148,000,000		$ 148,000,000
Financing Receivable, Deferred Payments, Remainded Active	$ 10,300,000		$ 10,300,000
Maximum [Member]
Financing Receivable, Number of Payment Deferrals, Remained Active	50		50

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Loan Losses - Allowance for Loan Losses and Balance in the Loan Portfolio (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Beginning balance	$ 5,750,000	$ 4,801,000	$ 4,057,000	$ 4,673,000
Charge-offs	(343,000)	(752,000)	(551,000)	(919,000)
Recoveries	53,000	47,000	179,000	342,000
Provision	1,225,000	0	3,000,000	0
Ending balance	6,685,000	4,096,000	6,685,000	4,096,000
Individually evaluated for impairment	233,000	291,000	233,000	291,000	$ 355,000
Collectively evaluated for impairment	6,452,000	3,805,000	6,452,000	3,805,000	3,702,000
Individually evaluated for impairment	5,089,000	5,665,000	5,089,000	5,665,000	5,922,000
Collectively evaluated for impairment	1,050,580,000	401,141,000	1,050,580,000	401,141,000	788,397,000
Acquired with deteriorated credit quality	23,127,000	0	23,127,000	0	7,729,000
Loans	1,078,796,000	406,806,000	1,078,796,000	406,806,000	802,048,000
Agricultural [Member]
Beginning balance	252,000	362,000	471,000	481,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	65,000
Provision	17,000	111,000	(202,000)	(73,000)
Ending balance	269,000	473,000	269,000	473,000
Individually evaluated for impairment	0	85,000	0	85,000	103,000
Collectively evaluated for impairment	269,000	388,000	269,000	388,000	368,000
Individually evaluated for impairment	373,000	389,000	373,000	389,000	924,000
Collectively evaluated for impairment	53,130,000	49,668,000	53,130,000	49,668,000	56,415,000
Acquired with deteriorated credit quality	0	0	0	0	0
Loans	53,503,000	50,057,000	53,503,000	50,057,000	57,339,000
Commercial and Industrial [Member]
Beginning balance	1,398,000	818,000	655,000	892,000
Charge-offs	(29,000)	(81,000)	(46,000)	(83,000)
Recoveries	1,000	1,000	2,000	21,000
Provision	(285,000)	(87,000)	474,000	(179,000)
Ending balance	1,085,000	651,000	1,085,000	651,000
Individually evaluated for impairment	1,000	2,000	1,000	2,000	0
Collectively evaluated for impairment	1,084,000	649,000	1,084,000	649,000	655,000
Individually evaluated for impairment	345,000	279,000	345,000	279,000	259,000
Collectively evaluated for impairment	297,886,000	81,252,000	297,886,000	81,252,000	141,583,000
Acquired with deteriorated credit quality	7,889,000	0	7,889,000	0	6,241,000
Loans	306,120,000	81,531,000	306,120,000	81,531,000	148,083,000
Consumer Portfolio Segment [Member]
Beginning balance	243,000	335,000	270,000	254,000
Charge-offs	(58,000)	(71,000)	(242,000)	(222,000)
Recoveries	46,000	25,000	156,000	113,000
Provision	48,000	(27,000)	95,000	117,000
Ending balance	279,000	262,000	279,000	262,000
Individually evaluated for impairment	1,000	4,000	1,000	4,000	4,000
Collectively evaluated for impairment	278,000	258,000	278,000	258,000	266,000
Individually evaluated for impairment	19,000	20,000	19,000	20,000	17,000
Collectively evaluated for impairment	34,104,000	24,388,000	34,104,000	24,388,000	38,524,000
Acquired with deteriorated credit quality	30,000	0	30,000	0	313,000
Loans	34,153,000	24,408,000	34,153,000	24,408,000	38,854,000
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	2,833,000	2,398,000	1,663,000	1,926,000
Charge-offs	(255,000)	(589,000)	(255,000)	(589,000)
Recoveries	4,000	16,000	4,000	22,000
Provision	961,000	(182,000)	2,131,000	284,000
Ending balance	3,543,000	1,643,000	3,543,000	1,643,000
Individually evaluated for impairment	13,000	14,000	13,000	14,000	13,000
Collectively evaluated for impairment	3,530,000	1,629,000	3,530,000	1,629,000	1,650,000
Individually evaluated for impairment	2,149,000	2,331,000	2,149,000	2,331,000	2,288,000
Collectively evaluated for impairment	449,041,000	141,975,000	449,041,000	141,975,000	323,358,000
Acquired with deteriorated credit quality	12,116,000	0	12,116,000	0	733,000
Loans	463,306,000	144,306,000	463,306,000	144,306,000	326,379,000
Construction Real Estate [Member]
Beginning balance	79,000	43,000	76,000	38,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	31,000	5,000	34,000	10,000
Ending balance	110,000	48,000	110,000	48,000
Individually evaluated for impairment	0	0	0	0	0
Collectively evaluated for impairment	110,000	48,000	110,000	48,000	76,000
Individually evaluated for impairment	0	0	0	0	0
Collectively evaluated for impairment	16,489,000	11,188,000	16,489,000	11,188,000	13,411,000
Acquired with deteriorated credit quality	0	0	0	0	0
Loans	16,489,000	11,188,000	16,489,000	11,188,000	13,411,000
Residential Portfolio Segment [Member]
Beginning balance	945,000	522,000	640,000	537,000
Charge-offs	(1,000)	(11,000)	(8,000)	(25,000)
Recoveries	2,000	5,000	17,000	121,000
Provision	122,000	(80,000)	419,000	(197,000)
Ending balance	1,068,000	436,000	1,068,000	436,000
Individually evaluated for impairment	218,000	186,000	218,000	186,000	235,000
Collectively evaluated for impairment	850,000	250,000	850,000	250,000	405,000
Individually evaluated for impairment	2,203,000	2,646,000	2,203,000	2,646,000	2,434,000
Collectively evaluated for impairment	199,930,000	92,670,000	199,930,000	92,670,000	215,106,000
Acquired with deteriorated credit quality	3,092,000	0	3,092,000	0	442,000
Loans	205,225,000	95,316,000	205,225,000	95,316,000	217,982,000
Unallocated Financing Receivables [Member]
Beginning balance	0	323,000	282,000	545,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	331,000	260,000	49,000	38,000
Ending balance	331,000	583,000	331,000	583,000
Individually evaluated for impairment	0	0	0	0	0
Collectively evaluated for impairment	$ 331,000	$ 583,000	$ 331,000	$ 583,000	$ 282,000

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Loan Losses - Credit Risk Profile (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Loans	$ 1,078,796	$ 802,048	$ 406,806
Nonaccrual	5,081	4,687
Agricultural [Member]
Loans	53,503	57,339	50,057
Nonaccrual	373	379
Agricultural [Member] | Pass [Member]
Loans	49,855	55,866
Agricultural [Member] | Special Mention [Member]
Loans	3,275	1,094
Agricultural [Member] | Substandard [Member]
Loans	373	379
Agricultural [Member] | Doubtful [Member]
Loans	0	0
Consumer Portfolio Segment [Member]
Loans	34,153	38,854	24,408
Nonaccrual	19	16
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans	34,134	38,838
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	0	0
Commercial and Industrial [Member]
Loans	306,120	148,083	81,531
Nonaccrual	727	776
Commercial and Industrial [Member] | Pass [Member]
Loans	293,858	146,728
Commercial and Industrial [Member] | Special Mention [Member]
Loans	4,526	1,081
Commercial and Industrial [Member] | Substandard [Member]
Loans	7,736	274
Commercial and Industrial [Member] | Doubtful [Member]
Loans	0	0
Construction Real Estate [Member]
Loans	16,489	13,411	11,188
Nonaccrual	0	0
Construction Real Estate [Member] | Performing Financial Instruments [Member]
Loans	16,489	13,411
Construction Real Estate [Member] | Nonperforming Financial Instruments [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans	463,306	326,379	144,306
Nonaccrual	3,186	2,185
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loans	448,053	322,105
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans	5,275	1,332
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans	8,505	2,942
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]
Loans	1,473	0
Residential Portfolio Segment [Member]
Loans	205,225	217,982	$ 95,316
Nonaccrual	775	1,331
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans	204,293	216,651
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	$ 157	$ 0

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Loan Losses - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2020USD ($)	Dec. 31, 2019
Number of loans	0	3	0
Pre-modification	$ 0	$ 1,733
Post-modification	$ 0	$ 1,733
Financial Asset, 30 Days Past Due or More [Member]
Number of loans	3	3
Recorded investment	$ 1,733	$ 1,733
Agricultural [Member]
Number of loans	0	1
Pre-modification	$ 0	$ 67
Post-modification	$ 0	$ 67
Agricultural [Member] | Financial Asset, 30 Days Past Due or More [Member]
Number of loans	1	1
Recorded investment	$ 67	$ 67
Commercial Real Estate Portfolio Segment [Member]
Number of loans	0	2
Pre-modification	$ 0	$ 1,666
Post-modification	$ 0	$ 1,666
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 Days Past Due or More [Member]
Number of loans	2	2
Recorded investment	$ 1,666	$ 1,666

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Loan Losses - Impaired Loans by Loan Category (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Recorded Investment with no related allowance recorded	$ 2,716		$ 2,716		$ 2,728
Unpaid Principal Balance with no related allowance recorded	3,704		3,704		3,398
Recorded Investment with an allowance recorded	2,373		2,373		3,194
Unpaid Principal Balance with an allowance recorded	2,438		2,438		3,323
Related Allowance	233		233		355
Recorded Investment	5,089		5,089		5,922
Unpaid Principal Balance	6,142		6,142		6,721
Average Recorded Investment with no related allowance recorded	1,558	$ 1,179	2,015	$ 774
Interest Income Recognized with no related allowance recorded	4	1	16	74
Average Recorded Investment with an allowance recorded	3,642	4,831	3,409	4,180
Interest Income Recognized with an allowance recorded	21	62	87	142
Average Recorded Investment	5,200	6,010	5,424	4,954
Interest Income Recognized	25	63	103	216
Agricultural [Member]
Recorded Investment with no related allowance recorded	373		373		545
Unpaid Principal Balance with no related allowance recorded	440		440		545
Recorded Investment with an allowance recorded	0		0		379
Unpaid Principal Balance with an allowance recorded	0		0		439
Related Allowance	0		0		103
Recorded Investment	373		373		924
Unpaid Principal Balance	440		440		984
Average Recorded Investment with no related allowance recorded	376	0	324	46
Interest Income Recognized with no related allowance recorded	0	0	0	0
Average Recorded Investment with an allowance recorded	0	389	190	390
Interest Income Recognized with an allowance recorded	0	0	0	0
Average Recorded Investment	376	389	514	436
Interest Income Recognized	0	0	0	0
Commercial and Industrial [Member]
Recorded Investment with no related allowance recorded	284		284		259
Unpaid Principal Balance with no related allowance recorded	395		395		340
Recorded Investment with an allowance recorded	61		61		0
Unpaid Principal Balance with an allowance recorded	64		64		0
Related Allowance	1		1		0
Recorded Investment	345		345		259
Unpaid Principal Balance	459		459		340
Average Recorded Investment with no related allowance recorded	142	129	201	65
Interest Income Recognized with no related allowance recorded	0	0	0	9
Average Recorded Investment with an allowance recorded	191	191	102	107
Interest Income Recognized with an allowance recorded	0	0	0	2
Average Recorded Investment	333	320	303	172
Interest Income Recognized	0	0	0	11
Consumer Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	4		4		0
Unpaid Principal Balance with no related allowance recorded	5		5		0
Recorded Investment with an allowance recorded	15		15		17
Unpaid Principal Balance with an allowance recorded	16		16		18
Related Allowance	1		1		4
Recorded Investment	19		19		18
Unpaid Principal Balance	21		21		18
Average Recorded Investment with no related allowance recorded	2	0	1	0
Interest Income Recognized with no related allowance recorded	0	0	0	0
Average Recorded Investment with an allowance recorded	20	37	18	56
Interest Income Recognized with an allowance recorded	0	1	0	1
Average Recorded Investment	22	37	19	56
Interest Income Recognized	0	1	0	1
Construction Real Estate [Member]
Recorded Investment with no related allowance recorded	0		0		0
Unpaid Principal Balance with no related allowance recorded	0		0		0
Recorded Investment with an allowance recorded	0		0		0
Unpaid Principal Balance with an allowance recorded	0		0		0
Related Allowance	0		0		0
Recorded Investment	0		0		0
Unpaid Principal Balance	0		0		0
Average Recorded Investment with no related allowance recorded	0	0	0	0
Interest Income Recognized with no related allowance recorded	0	0	0	0
Average Recorded Investment with an allowance recorded	0	0	0	0
Interest Income Recognized with an allowance recorded	0	0	0	0
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	1,859		1,859		1,882
Unpaid Principal Balance with no related allowance recorded	2,664		2,664		2,471
Recorded Investment with an allowance recorded	290		290		406
Unpaid Principal Balance with an allowance recorded	290		290		406
Related Allowance	13		13		13
Recorded Investment	2,149		2,149		2,287
Unpaid Principal Balance	2,954		2,954		2,877
Average Recorded Investment with no related allowance recorded	929	941	1,405	507
Interest Income Recognized with no related allowance recorded	3	0	11	61
Average Recorded Investment with an allowance recorded	1,268	1,693	826	1,117
Interest Income Recognized with an allowance recorded	4	13	16	27
Average Recorded Investment	2,197	2,634	2,231	1,624
Interest Income Recognized	7	13	27	88
Residential Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	196		196		42
Unpaid Principal Balance with no related allowance recorded	200		200		42
Recorded Investment with an allowance recorded	2,007		2,007		2,392
Unpaid Principal Balance with an allowance recorded	2,068		2,068		2,460
Related Allowance	218		218		235
Recorded Investment	2,203		2,203		2,434
Unpaid Principal Balance	2,268		2,268		$ 2,502
Average Recorded Investment with no related allowance recorded	109	109	84	156
Interest Income Recognized with no related allowance recorded	1	1	5	4
Average Recorded Investment with an allowance recorded	2,163	2,521	2,273	2,510
Interest Income Recognized with an allowance recorded	17	48	71	112
Average Recorded Investment	2,272	2,630	2,357	2,666
Interest Income Recognized	$ 18	$ 49	$ 76	$ 116

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Loan Losses - Aging Analysis of Loans by Loan Category (Details) - USD ($) $ in Thousands		Sep. 30, 2020		Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Past Due Total		$ 6,206	[1]		$ 6,358
Loans Not Past Due		1,072,590			795,690
Total Loans		1,078,796			802,048	$ 406,806
Loan 90 days and accruing		157			0
Agricultural [Member]
Past Due Total	[1]	373			68
Loans Not Past Due		53,130			57,271
Total Loans		53,503			57,339	50,057
Loan 90 days and accruing		0			0
Commercial and Industrial [Member]
Past Due Total	[1]	1,035			816
Loans Not Past Due		305,085			147,267
Total Loans		306,120			148,083	81,531
Loan 90 days and accruing		0			0
Consumer Portfolio Segment [Member]
Past Due Total	[1]	75			151
Loans Not Past Due		34,078			38,703
Total Loans		34,153			38,854	24,408
Loan 90 days and accruing		0			0
Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	3,064			1,882
Loans Not Past Due		460,242			324,497
Total Loans		463,306			326,379	144,306
Loan 90 days and accruing		0			0
Construction Real Estate [Member]
Past Due Total	[1]	663			0
Loans Not Past Due		15,826			13,411
Total Loans		16,489			13,411	11,188
Loan 90 days and accruing		0			0
Residential Portfolio Segment [Member]
Past Due Total	[1]	996			3,441
Loans Not Past Due		204,229			214,541
Total Loans		205,225			217,982	$ 95,316
Loan 90 days and accruing		157			0
Financial Asset, 30 to 59 Days Past Due [Member]
Past Due Total		1,760	[1]		3,129
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member]
Past Due Total	[1]			$ 0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Past Due Total	[1]	369			542
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past Due Total	[1]	75			121
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	1,164			0
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member]
Past Due Total	[1]	0			0
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past Due Total	[1]	152			2,466
Financial Asset, 60 to 89 Days Past Due [Member]
Past Due Total		1,288	[1]		684
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member]
Past Due Total	[1]	0			68
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Past Due Total	[1]	0			15
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past Due Total	[1]	0			19
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	16			0
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member]
Past Due Total	[1]	663			0
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past Due Total	[1]	609			582
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past Due Total		3,158	[1]		2,545
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member]
Past Due Total	[1]	373			0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member]
Past Due Total	[1]	666			259
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past Due Total	[1]	0			11
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	1,884			1,882
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Real Estate [Member]
Past Due Total	[1]	0			0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past Due Total	[1]	$ 235			$ 393
[1]	Includes nonaccrual loans.

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Loan Losses - Nonaccrual Loan by Loan Category (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Nonaccrual loans	$ 5,081	$ 4,687
Agricultural [Member]
Nonaccrual loans	373	379
Commercial and Industrial [Member]
Nonaccrual loans	727	776
Consumer Portfolio Segment [Member]
Nonaccrual loans	19	16
Commercial Real Estate Portfolio Segment [Member]
Nonaccrual loans	3,186	2,185
Construction Real Estate [Member]
Nonaccrual loans	0	0
Residential Portfolio Segment [Member]
Nonaccrual loans	$ 775	$ 1,331

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Loan Losses - Acquired Portfolio and the Acquisition Fair Value Adjustments (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Sep. 30, 2020	Jun. 30, 2020
Community Shores Bank Corp ("Community Shores") [Member]
Loans acquired - contractual payments	$ 178,986
Nonaccretable difference	(3,547)
Expected cash flows	175,439
Accretable yield	(1,465)
Carrying balance at acquisition date	173,974
Balance	(1,465)
Accretion	102
Balance	(1,363)	$ (1,465)
County Bank Corp ("County") [Member]
Loans acquired - contractual payments	395,123
Nonaccretable difference	(2,928)
Expected cash flows	392,195
Accretable yield	(2,079)
Carrying balance at acquisition date	390,116
Balance	(1,898)	(2,004)
Accretion	196	106
Balance	(1,702)	(1,898)
Acquired Impaired [Member] | Community Shores Bank Corp ("Community Shores") [Member]
Loans acquired - contractual payments	20,491
Nonaccretable difference	(3,547)
Expected cash flows	16,944
Accretable yield	(869)
Carrying balance at acquisition date	16,075
Balance	(869)
Accretion	20
Balance	(849)	(869)
Acquired Impaired [Member] | County Bank Corp ("County") [Member]
Loans acquired - contractual payments	7,729
Nonaccretable difference	(2,928)
Expected cash flows	4,801
Accretable yield	(185)
Carrying balance at acquisition date	4,616
Balance	(140)	(185)
Accretion	2	45
Balance	(138)	(140)
Acquired Non-Impaired [Member] | Community Shores Bank Corp ("Community Shores") [Member]
Loans acquired - contractual payments	158,495
Nonaccretable difference	0
Expected cash flows	158,495
Accretable yield	(596)
Carrying balance at acquisition date	157,899
Balance	(596)
Accretion	82
Balance	(514)	(596)
Acquired Non-Impaired [Member] | County Bank Corp ("County") [Member]
Loans acquired - contractual payments	387,394
Nonaccretable difference	0
Expected cash flows	387,394
Accretable yield	(1,894)
Carrying balance at acquisition date	385,500
Balance	(1,758)	(1,819)
Accretion	194	61
Balance	$ (1,564)	$ (1,758)

Note 4 - Earnings Per Share (De

Note 4 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0	0	0	13,500

Note 4 - Earnings Per Share - C

Note 4 - Earnings Per Share - Computation of Basic Earnings Per Share and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Net income	$ 3,829	$ 1,021	$ 11,513	$ 4,144
Weighted average common shares outstanding (in shares)	7,783,005	3,633,474	7,429,765	3,626,961
Basic earnings per share (Note 4) (in dollars per share)	$ 0.49	$ 0.28	$ 1.55	$ 1.14
Net income	$ 3,829	$ 1,021	$ 11,513	$ 4,144
Plus dilutive stock options and restricted stock units (in shares)	7,460	23,964	7,888	19,870
Weighted average common shares outstanding and potentially dilutive shares (in shares)	7,790,465	3,657,438	7,437,653	3,646,831
Diluted earnings per share (Note 4) (in dollars per share)	$ 0.49	$ 0.28	$ 1.55	$ 1.14

Note 5 - Financial Instrument_2

Note 5 - Financial Instruments - Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Equity securities at fair value (Note 2)	$ 2,667	$ 2,851
Securities available for sale (Note 2)	393,338	339,579
Loans to other financial institutions	55,064	51,048
Interest rate lock commitments	1,756	68
Deposits – noninterest-bearing	447,548	287,460
Deposits – interest-bearing	1,138,822	867,142
Fair Value, Inputs, Level 1 [Member]
Interest rate lock commitments	0	0
Fair Value, Inputs, Level 2 [Member]
Interest rate lock commitments	0	0
Fair Value, Inputs, Level 3 [Member]
Interest rate lock commitments	1,756	68
Reported Value Measurement [Member]
Cash and cash equivalents	117,883	59,558
Equity securities at fair value (Note 2)	2,667	2,851
Securities available for sale (Note 2)	393,338	339,579
Reserve Bank stock	6,771	6,458
Loans held for sale	35,826	3,095
Loans to other financial institutions	55,064	51,048
Loans, net	1,072,111	797,991
Accrued interest receivable	6,610	3,965
Interest rate lock commitments	1,756	68
Deposits – noninterest-bearing	447,548	287,460
Deposits – interest-bearing	1,138,822	867,142
Borrowings	13,234
Accrued interest payable	229	411
Federal Home Loan Bank advances		33,198
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	117,883	59,558
Equity securities at fair value (Note 2)	2,667	2,851
Securities available for sale (Note 2)	393,338	339,579
Reserve Bank stock	6,771	6,458
Loans held for sale	36,901	3,134
Loans to other financial institutions	55,064	51,048
Loans, net	1,069,641	793,270
Accrued interest receivable	6,610	3,965
Interest rate lock commitments	1,756	68
Deposits – noninterest-bearing	447,548	287,460
Deposits – interest-bearing	1,140,084	867,154
Borrowings	13,284
Accrued interest payable	229	411
Federal Home Loan Bank advances		33,243
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	117,883	59,558
Equity securities at fair value (Note 2)	1,187	1,379
Securities available for sale (Note 2)	0	0
Reserve Bank stock	0	0
Loans held for sale	0	0
Loans to other financial institutions	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Interest rate lock commitments	0	0
Deposits – noninterest-bearing	0	0
Deposits – interest-bearing	0	0
Borrowings	0
Accrued interest payable	0	0
Federal Home Loan Bank advances		0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	0	0
Equity securities at fair value (Note 2)	0	0
Securities available for sale (Note 2)	382,025	327,212
Reserve Bank stock	6,771	6,458
Loans held for sale	36,901	3,134
Loans to other financial institutions	55,064	51,048
Loans, net	0	0
Accrued interest receivable	6,610	3,965
Interest rate lock commitments	1,756	68
Deposits – noninterest-bearing	447,548	287,460
Deposits – interest-bearing	1,140,084	867,154
Borrowings	13,284
Accrued interest payable	229	411
Federal Home Loan Bank advances		33,243
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents	0	0
Equity securities at fair value (Note 2)	1,480	1,472
Securities available for sale (Note 2)	11,313	12,367
Reserve Bank stock	0	0
Loans held for sale	0	0
Loans to other financial institutions	0	0
Loans, net	1,069,641	793,270
Accrued interest receivable	0	0
Interest rate lock commitments	0	0
Deposits – noninterest-bearing	0	0
Deposits – interest-bearing	0	0
Borrowings	0
Accrued interest payable	$ 0	0
Federal Home Loan Bank advances		$ 0

Note 6 - Fair Value Measureme_3

Note 6 - Fair Value Measurements (Details Textual)	Sep. 30, 2020USD ($)
Fair Value, Inputs, Level 3 [Member]
AOCI, Debt Securities, Available-for-sale, Adjustment, after Tax, Total	$ 826,000

Note 6 - Fair Value Measureme_4

Note 6 - Fair Value Measurements - Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Equity securities at fair value (Note 2)	$ 2,667	$ 2,851
Securities available for sale (Note 2)	393,338	339,579
Interest rate lock commitments	1,756	68
Equity Securities [Member]
Equity securities at fair value (Note 2)	2,667	2,851
US Treasury and Government [Member]
Equity securities at fair value (Note 2)	2,061	17,215
Securities available for sale (Note 2)	2,061	17,215
US Treasury Securities [Member]
Equity securities at fair value (Note 2)	2,065	2,008
Securities available for sale (Note 2)	2,065	2,008
US States and Political Subdivisions Debt Securities [Member]
Equity securities at fair value (Note 2)	268,550	173,924
Securities available for sale (Note 2)	268,550	173,924
Collateralized Mortgage Backed Securities [Member]
Equity securities at fair value (Note 2)	116,773	142,760
Securities available for sale (Note 2)	116,773	142,760
Corporate Debt Securities [Member]
Equity securities at fair value (Note 2)	2,889	2,672
Securities available for sale (Note 2)	2,889	2,672
Trust Preferred Securities [Member]
Equity securities at fair value (Note 2)	1,000	1,000
Securities available for sale (Note 2)	1,000	1,000
Fair Value, Recurring [Member]
Securities available for sale (Note 2)	393,338	339,579
Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	2,667	2,851
Fair Value, Recurring [Member] | US Treasury and Government [Member]
Securities available for sale (Note 2)	2,061	17,215
Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities available for sale (Note 2)	2,065	2,008
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	268,550	173,924
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Securities available for sale (Note 2)	116,773	142,760
Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Securities available for sale (Note 2)	2,889	2,672
Fair Value, Recurring [Member] | Trust Preferred Securities [Member]
Securities available for sale (Note 2)	1,000	1,000
Fair Value, Inputs, Level 1 [Member]
Interest rate lock commitments	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	1,187	1,379
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | US Treasury and Government [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Trust Preferred Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 2 [Member]
Interest rate lock commitments	0	0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]
Securities available for sale (Note 2)	382,025	327,212
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	0	0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | US Treasury and Government [Member]
Securities available for sale (Note 2)	2,061	17,215
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities available for sale (Note 2)	2,065	2,008
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	258,237	162,557
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Securities available for sale (Note 2)	116,773	142,760
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Securities available for sale (Note 2)	2,889	2,672
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Trust Preferred Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 3 [Member]
Interest rate lock commitments	1,756	68
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]
Securities available for sale (Note 2)	11,313	12,367
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	1,480	1,472
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | US Treasury and Government [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	10,313	11,367
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Securities available for sale (Note 2)	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Trust Preferred Securities [Member]
Securities available for sale (Note 2)	$ 1,000	$ 1,000

Note 6 - Fair Value Measureme_5

Note 6 - Fair Value Measurements - Changes in Level 3 Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Equity Securities [Member]
Balance	$ 1,472	$ 886
Total realized and unrealized gains included in noninterest income	8	114
Net purchases, sales, calls, and maturities	0	0
Net transfers into Level 3	0	0
Balance, September 30	1,480	1,000
Available-for-sale Securities [Member]
Balance	12,367	8,498
Total realized and unrealized gains included in noninterest income	452	350
Net purchases, sales, calls, and maturities	(1,506)	1,429
Net transfers into Level 3	0	0
Balance, September 30	$ 11,313	$ 10,277

Note 6 - Fair Value Measureme_6

Note 6 - Fair Value Measurements - Assets Measured at Fair Value on a Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Impaired Loans	$ 5,089	$ 5,922
Other Real Estate	676	929
Fair Value, Inputs, Level 1 [Member]
Impaired Loans	0	0
Other Real Estate	0	0
Fair Value, Inputs, Level 2 [Member]
Impaired Loans	0	0
Other Real Estate	0	0
Fair Value, Inputs, Level 3 [Member]
Impaired Loans	5,089	5,922
Other Real Estate	$ 676	$ 929

Note 7 - Revenue from Contrac_3

Note 7 - Revenue from Contracts with Customers - Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Noninterest income from contracts with customers within the scope of ASC 606	$ 2,490	$ 1,223	$ 6,601	$ 3,629
Noninterest income within the scope of other GAAP topics	3,835	712	10,408	2,092
Total noninterest income	6,326	1,935	17,009	5,721
Service Charges and Fees on Deposit Accounts [Member]
Noninterest income from contracts with customers within the scope of ASC 606	842	690	2,498	1,987
Interchange Income [Member]
Noninterest income from contracts with customers within the scope of ASC 606	1,217	404	2,808	1,288
Investment Commission Income [Member]
Noninterest income from contracts with customers within the scope of ASC 606	123	72	384	177
Trust Fee Income [Member]
Noninterest income from contracts with customers within the scope of ASC 606	197	0	569	0
Other Charges and Fees for Customer Services [Member]
Noninterest income from contracts with customers within the scope of ASC 606	$ 111	$ 57	$ 342	$ 177

Note 8 - Business Combination_2

Note 8 - Business Combination (Details Textual)	Jul. 01, 2020USD ($)shares	Oct. 01, 2019USD ($)shares	Sep. 30, 2020USD ($)	Sep. 30, 2020USD ($)
Stock Issued During Period, Value, Acquisitions			$ 15,494,000	$ 15,494,000
County Bank Corp ("County") [Member]
Number of Branch Offices		14
Number of Loan Office		1
Community Shores Bank Corp ("Community Shores") [Member]
Number of Branch Offices	4
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets, Total	$ 243,975,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Total Loans	174,000,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Total Deposits	$ 227,832,000
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares (in shares) | shares	524,139
Business Acquisition, Equity Interest Issued or Issuable, Number of Fractional Shares (in shares) | shares	84
Payments to Acquire Businesses, Gross	$ 5,390,000
Business Combination, Consideration Transferred, Total	$ 20,881,000
County Bank Corp ("County") [Member]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets, Total		$ 672,762,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Total Loans		424,000,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Total Deposits		573,601,000
Business Combination, Consideration Transferred, Total		$ 107,945,000
County Bank Corp ("County") [Member] | Common Stock [Member]
Stock Issued During Period, Shares, Acquisitions (in shares) | shares		3,603,872
Stock Issued During Period, Value, Acquisitions		$ 108,000,000
County Bank Corp ("County") [Member] | Fractional Stock [Member]
Stock Issued During Period, Shares, Acquisitions (in shares) | shares		299

Note 8 - Business Combination -

Note 8 - Business Combination - Allocation of Purchase Price (Details) - USD ($) $ in Thousands	Jul. 01, 2020	Oct. 01, 2019	Sep. 30, 2020	Dec. 31, 2019
Goodwill			$ 60,506	$ 52,870
Community Shores Bank Corp ("Community Shores") [Member]
Business Combination, Consideration Transferred, Total	$ 20,881
Cash and cash equivalents	41,023
Securities available for sale	20,023
Federal Home Loan Bank and Federal Reserve Bank stock	300
Originated loans	173,974
Premises and equipment	6,204
Other real estate owned	346
Deposit based intangible	760
Other assets	1,345
Total assets	243,975
Non-interest bearing deposits	65,499
Interest bearing deposits	162,333
Total deposits	227,832
Trust preferred securities	3,039
Other liabilities	136
Total liabilities	231,007
Net assets acquired	12,968
Goodwill	7,913
Consideration	$ 20,881
County Bank Corp ("County") [Member]
Business Combination, Consideration Transferred, Total		$ 107,945
Cash and cash equivalents		20,638
Securities available for sale		474
Federal Home Loan Bank and Federal Reserve Bank stock		2,915
Originated loans		390,116
Premises and equipment		9,271
Other real estate owned		1,364
Deposit based intangible		6,359
Other assets		4,002
Total assets		672,762
Non-interest bearing deposits		124,113
Interest bearing deposits		449,488
Total deposits		573,601
Other liabilities		3,282
Total liabilities		603,683
Net assets acquired		69,079
Goodwill		38,866
Consideration		107,945
Securities available for sale		187,230
Loans to other financial institutions		33,481
Bank owned life insurance		16,912
Federal funds purchased		3,800
Advances from Federal Home Loan Bank		$ 23,000