ChoiceOne Financial Services (COFS) 10-Q 12 Aug 21 2021 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2021	Jul. 31, 2021
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	Q2
Document Fiscal Year Focus	2021
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2021
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	Non-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		7,621,043

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 94,968	$ 79,169
Time deposits in other financial institutions	350	350
Cash and cash equivalents	95,318	79,519
Equity securities at fair value (Note 2)	8,405	2,896
Securities available for sale (Note 2)	855,555	574,787
Federal Home Loan Bank stock	3,824	3,824
Federal Reserve Bank stock	4,180	4,180
Loans held for sale	12,884	12,921
Loans to other financial institutions	0	35,209
Loans (Note 3)	1,004,587	1,069,668
Allowance for loan losses (Note 3)	(7,950)	(7,593)
Loans, net	996,637	1,062,075
Premises and equipment, net	29,615	29,489
Other real estate owned, net	260	266
Cash value of life insurance policies	33,128	32,751
Goodwill	59,946	60,506
Core deposit intangible	4,610	5,269
Other assets	16,570	15,650
Total assets	2,120,932	1,919,342
Liabilities
Deposits – noninterest-bearing	527,964	477,654
Deposits – interest-bearing	1,352,771	1,196,924
Total deposits	1,880,735	1,674,578
Borrowings	2,642	9,327
Subordinated debentures	3,140	3,089
Other liabilities	5,894	5,080
Total liabilities	1,892,411	1,692,074
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: 7,692,537 at June 30, 2021 and 7,796,352 at December 31, 2020	176,323	178,750
Retained earnings	45,352	37,490
Accumulated other comprehensive income, net	6,846	11,028
Total shareholders’ equity	228,521	227,268
Total liabilities and shareholders’ equity	$ 2,120,932	$ 1,919,342

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Jun. 30, 2021	Dec. 31, 2020
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)	7,692,537	7,796,352

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Interest income
Loans, including fees	$ 11,565	$ 10,821	$ 24,247	$ 21,063
Securities:
Taxable	2,396	1,557	4,252	3,414
Tax exempt	1,446	478	2,543	846
Other	12	7	32	201
Total interest income	15,419	12,863	31,074	25,524
Interest expense
Deposits	839	898	1,719	2,283
Advances from Federal Home Loan Bank	2	81	3	217
Other	70	5	156	7
Total interest expense	911	984	1,878	2,507
Net interest income	14,508	11,879	29,196	23,017
Provision for loan losses	166	1,000	416	1,775
Net interest income after provision for loan losses	14,342	10,879	28,780	21,242
Noninterest income
Customer service charges	2,134	1,402	4,054	3,247
Insurance and investment commissions	198	153	471	279
Gains on sales of loans	1,771	2,996	3,917	4,739
Net gains on sales of securities	2	1,341	3	1,343
Net gains (losses) on sales and write-downs of other assets	(4)	3	1	5
Earnings on life insurance policies	191	192	377	384
Trust income	253	202	425	372
Change in market value of equity securities	(119)	443	489	54
Other	306	19	595	260
Total noninterest income	4,732	6,751	10,332	10,683
Salaries and benefits	6,999	6,359	14,167	11,487
Occupancy and equipment	1,498	1,359	3,053	2,629
Data processing	1,673	1,568	3,102	3,052
Professional fees	943	914	1,672	1,676
Supplies and postage	124	282	224	507
Advertising and promotional	207	144	352	292
Intangible amortization	352	354	659	707
FDIC insurance	156	69	308	137
Other	1,177	1,101	2,120	2,079
Total noninterest expense	13,129	12,150	25,657	22,566
Income before income tax	5,945	5,480	13,455	9,359
Income tax expense	902	1,050	2,174	1,675
Net income	$ 5,043	$ 4,430	$ 11,281	$ 7,684
Basic earnings per share (Note 4) (in dollars per share)	$ 0.65	$ 0.61	$ 1.45	$ 1.06
Diluted earnings per share (Note 4) (in dollars per share)	0.65	0.61	1.45	1.06
Dividends declared per share (in dollars per share)	$ 0.22	$ 0.20	$ 0.44	$ 0.40

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Net income	$ 5,043	$ 4,430	$ 11,281	$ 7,684
Other comprehensive income:
Changes in net unrealized gains on investment securities available for sale, net of tax expense of $2,449 and $1,272 for the three months ended June 30, 2021 and June 30, 2020, respectively. Changes in net unrealized gains (losses) on investment securities available for sale, net of tax (benefit) expense of ($1,111) and $1,730 for the six months ended June 30, 2021 and June 30, 2020, respectively.	9,213	4,785	(4,180)	6,509
Reclassification adjustment for realized gain on sale of investment securities available for sale included in net income, net of tax expense of $0 and $281 for the three months ended June 30, 2021 and June 30, 2020, respectively. Reclassification adjustment for realized gain on sale of investment securities available for sale included in net income, net of tax expense of $1 and $282 for the six months ended June 30, 2021 and June 30, 2020, respectively.	(1)	(1,060)	(2)	(1,061)
Other comprehensive income (loss), net of tax	9,212	3,725	(4,182)	5,448
Comprehensive income	$ 14,255	$ 8,155	$ 7,099	$ 13,132

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Changes in net unrealized gains (losses) on investment securities available for sale, tax	$ 2,449	$ 1,272	$ (1,111)	$ 1,730
Reclassification adjustment for realized gain on sale of investment securities available for sale included in net income, tax	$ 0	$ 281	$ 1	$ 282

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands		Cash Dividend [Member]Common Stock Including Additional Paid in Capital [Member]	Cash Dividend [Member]Retained Earnings [Member]	Cash Dividend [Member]AOCI Attributable to Parent [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, 2019						7,245,088
Balance at Dec. 31, 2019						$ 162,610	$ 28,051	$ 1,478	$ 192,139
Net income							7,684		7,684
Other comprehensive income (loss)								5,448	5,448
Shares issued (in shares)						9,122
Shares issued						$ 161			161
Effect of employee stock purchases						$ 7			7
Stock options exercised and issued (in shares)	[1]					7,030
Stock options exercised and issued	[1]					$ 9			9
Stock-based compensation expense						$ 75			75
Restricted stock units issued (in shares)						365
Restricted stock units issued									0
Cash dividends declared			$ (2,900)		$ (2,900)
Balance (in shares) at Jun. 30, 2020						7,261,605
Balance at Jun. 30, 2020						$ 162,862	32,835	6,926	202,623
Balance (in shares) at Mar. 31, 2020						7,249,533
Balance at Mar. 31, 2020						$ 162,745	29,856	3,201	195,802
Net income							4,430		4,430
Other comprehensive income (loss)								3,725	3,725
Shares issued (in shares)						5,466
Shares issued						$ 55			55
Effect of employee stock purchases						$ 3			3
Stock options exercised and issued (in shares)	[1]					6,241
Stock options exercised and issued	[1]					$ 9			9
Stock-based compensation expense						$ 50			50
Restricted stock units issued (in shares)						365
Restricted stock units issued									0
Cash dividends declared			(1,451)		(1,451)
Balance (in shares) at Jun. 30, 2020						7,261,605
Balance at Jun. 30, 2020						$ 162,862	32,835	6,926	$ 202,623
Balance (in shares) at Dec. 31, 2020						7,796,352			7,796,352
Balance at Dec. 31, 2020						$ 178,750	37,490	11,028	$ 227,268
Net income							11,281		11,281
Other comprehensive income (loss)								(4,182)	(4,182)
Shares issued (in shares)						11,886
Shares issued						$ 281			281
Effect of employee stock purchases						13			13
Stock-based compensation expense						$ 176			176
Cash dividends declared			(3,419)		(3,419)
Effect of employee stock purchases (in shares)
Shares repurchased (in shares)						(115,701)
Shares repurchased						$ (2,897)			$ (2,897)
Balance (in shares) at Jun. 30, 2021						7,692,537			7,692,537
Balance at Jun. 30, 2021						$ 176,323	45,352	6,846	$ 228,521
Balance (in shares) at Mar. 31, 2021						7,802,285
Balance at Mar. 31, 2021						$ 178,993	42,012	(2,366)	218,639
Net income							5,043		5,043
Other comprehensive income (loss)								9,212	9,212
Shares issued (in shares)						5,953
Shares issued						$ 106			106
Effect of employee stock purchases						9			9
Stock-based compensation expense						$ 112			112
Cash dividends declared			$ (1,703)		$ (1,703)
Effect of employee stock purchases (in shares)
Shares repurchased (in shares)						(115,701)
Shares repurchased						$ (2,897)			$ (2,897)
Balance (in shares) at Jun. 30, 2021						7,692,537			7,692,537
Balance at Jun. 30, 2021						$ 176,323	$ 45,352	$ 6,846	$ 228,521
[1]	The amount shown represents the number of shares issued upon exercise of options, net of shares withheld for payment of certain taxes.

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Cash Dividend [Member]
Dividends declared, per share (in dollars per share)	$ 0.22	$ 0.20	$ 0.44	$ 0.40
Dividends declared, per share (in dollars per share)	$ 0.22	$ 0.20	$ 0.44	$ 0.40

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Cash flows from operating activities:
Net income	$ 11,281	$ 7,684
Adjustments to reconcile net income to net cash from operating activities:
Provision for loan losses	416	1,775
Depreciation	1,299	1,386
Amortization	4,336	2,021
Compensation expense on employee and director stock purchases, stock options, and restricted stock units	404	183
Net gains on sales of securities	(3)	(1,343)
Net change in market value of equity securities	(489)	(54)
Gains on sales of loans	(3,917)	(4,739)
Loans originated for sale	(122,993)	(101,844)
Proceeds from loan sales	125,714	97,601
Earnings on bank-owned life insurance	(377)	(384)
(Gains)/losses on sales of other real estate owned	(4)	(3)
Proceeds from sales of other real estate owned	270	139
Costs capitalized to other real estate	0	(19)
Deferred federal income tax (benefit)/expense	506	(307)
Net change in:
Other assets	(992)	(8,564)
Other liabilities	1,693	1,169
Net cash provided by (used in) operating activities	17,144	(5,299)
Cash flows from investing activities:
Sales of securities available for sale	0	92,979
Maturities, prepayments and calls of securities available for sale	28,104	26,635
Purchases of securities	(322,009)	(144,856)
Loan originations and payments, net	100,799	(105,154)
Additions to premises and equipment	(1,461)	(928)
Net cash (used in) investing activities	(194,567)	(131,324)
Cash flows from financing activities:
Net change in deposits	206,157	169,706
Proceeds from borrowings	2,500	10,000
Payments on borrowings	(9,185)	(33,019)
Issuance of common stock	66	69
Repurchase of common stock	(2,897)	0
Cash dividends	(3,419)	(2,900)
Net cash provided by financing activities	193,222	143,856
Net change in cash and cash equivalents	15,799	7,233
Beginning cash and cash equivalents	79,519	59,558
Ending cash and cash equivalents	95,318	66,791
Supplemental disclosures of cash flow information:
Cash paid for interest	1,965	2,672
Cash paid for income taxes	901	1,351
Loans transferred to other real estate owned	$ 260	$ 42

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2021
Notes to Financial Statements
Significant Accounting Policies [Text Block]	NOTE 1 Explanatory Note On July 1, 2020, July 1, 2020 For additional details regarding the merger with Community Shores and the merger of County Bank Corp. ("County") with and into ChoiceOne, see Note 8 Principles of Consolidation The consolidated financial statements include ChoiceOne Financial Services, Inc. ("ChoiceOne"), its wholly-owned subsidiary, ChoiceOne Bank (the "Bank"), and ChoiceOne Bank’s wholly-owned subsidiary ChoiceOne Insurance Agencies, Inc. (the "Insurance Agency"). Intercompany transactions and balances have been eliminated in consolidation. ChoiceOne owns all of the common securities of Community Shores Capital Trust I (the “Capital Trust”). Under U.S. generally accepted accounting principles ("GAAP"), the Capital Trust is not 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 June 30, 2021 December 31, 2020 three six June 30, 2021 June 30, 2020 three six June 30, 2021 June 30, 2020 three six June 30, 2021 June 30, 2020 six June 30, 2021 June 30, 2020 six June 30, 2021 not may December 31, 2021 The accompanying consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes thereto included in ChoiceOne’s Annual Report on Form 10 December 31, 2020 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 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 no June 30, 2021. 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 3 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 shares of common stock were issued to ChoiceOne’s Board of Directors for a cash price of under the terms of the Directors’ Stock Purchase Plan in the first of 2021 . A total of shares for a cash price of were issued under the Employee Stock Purchase Plan in the first six of 2021 . 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, curities and Exchange Commission. ChoiceOne was classified as a smaller reporting company as of the determination date of November 15, 2019. may Goodwill Goodwill is not first 1 not not, no 2006, 2019, 2020, Due to the potential impact of COVID- 19 third November 30, 2020 ( third 2025 not Management performed its annual qualitative assessment of goodwill as of June 30, 2021. not 350 20 35 3c. 19 may November 30, 2020 June 30, 2021, second 2021 not June 30, 2021.

Note 2 - Securities

Note 2 - Securities	6 Months Ended
	Jun. 30, 2021
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: June 30, 2021 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 7,856 $ 587 $ (38 ) $ 8,405 December 31, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 2,836 $ 60 $ - $ 2,896 The fair value of securities available for sale and the related unrealized gains and losses recognized in accumulated other comprehensive income were as follows: June 30, 2021 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 2,004 $ 26 $ - $ 2,030 U.S. Treasury notes and bonds 37,195 166 - 37,361 State and municipal 476,698 12,657 (1,914 ) 487,441 Mortgage-backed 320,612 1,596 (3,895 ) 318,313 Corporate 8,303 39 - 8,342 Asset-backed securities 2,077 - (9 ) 2,068 Total $ 846,889 $ 14,484 $ (5,818 ) $ 855,555 December 31, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 2,007 $ 44 $ - $ 2,051 U.S. Treasury notes and bonds 1,996 60 - 2,056 State and municipal 307,201 13,191 (24 ) 320,368 Mortgage-backed 246,085 1,510 (872 ) 246,723 Corporate 3,539 51 (1 ) 3,589 Total $ 560,828 $ 14,856 $ (897 ) $ 574,787 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 six June 30, 2021 or in the same periods in 2020 . ChoiceOne believes that unrealized losses on securities were temporary in nature and were due to changes in interest rates and reduced market liquidity and not Presented below is a schedule of maturities of securities as of June 30, 2021 June 30, 2021 December 31, 2020 June 30, 2021 Securities maturing within: Fair Value Fair Value Less than 1 Year - 5 Years - More than at June 30, at Dec. 31, (Dollars in thousands) 1 Year 5 Years 10 Years 10 Years 2021 2020 U.S. Government and federal agency $ 2,030 $ - $ - $ - $ 2,030 $ 2,051 U.S. Treasury notes and bonds - 2,040 35,321 - 37,361 2,056 State and municipal 14,546 59,291 317,995 95,609 487,441 320,368 Corporate 502 1,040 5,800 1,000 8,342 3,589 Asset-backed securities - 2,068 - - 2,068 - Total debt securities 17,078 64,439 359,116 96,609 537,242 328,064 Mortgage-backed securities 12,924 97,585 200,623 7,181 318,313 246,723 Equity securities - 1,000 - 7,405 8,405 2,896 Total $ 30,002 $ 163,024 $ 559,739 $ 111,195 $ 863,960 $ 577,683 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 1.24 - 1.27 State and municipal 3.12 2.88 2.51 2.33 2.54 Corporate 2.57 2.86 3.70 3.75 3.75 Asset-backed securities - 0.94 - - 0.94 Mortgage-backed securities 1.78 1.83 1.26 1.74 1.47 Equity securities - 4.66 - - 0.55 Following is information regarding unrealized gains and losses on equity securities for the three six June 30, 2021 2020 Three Months Ended Six Months Ended June 30, June 30, 2021 2020 2021 2020 Net gains and (losses) recognized during the period $ (119 ) $ 443 $ 489 $ 54 Less: Net gains and (losses) recognized during the period on securities sold — — — — Unrealized gains and losses recognized during the reporting period on securities still held at the reporting date $ (119 ) $ 443 $ 489 $ 54

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2021
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 June 30, 2021 Beginning balance $ 342 $ 1,599 $ 247 $ 4,345 $ 74 $ 1,024 $ 109 $ 7,740 Charge-offs — (24 ) (76 ) - — - — (100 ) Recoveries — 64 35 42 — 3 — 144 Provision 32 (116 ) 37 (10 ) - (167 ) 390 166 Ending balance $ 374 $ 1,523 $ 243 $ 4,377 $ 74 $ 860 $ 499 $ 7,950 Allowance for Loan Losses Six Months Ended June 30, 2021 Beginning balance $ 257 $ 1,327 $ 317 $ 4,178 $ 97 $ 1,300 $ 117 $ 7,593 Charge-offs — (98 ) (147 ) (48 ) — — — (293 ) Recoveries — 73 113 43 — 5 — 234 Provision 117 221 (40 ) 204 (23 ) (445 ) 382 416 Ending balance $ 374 $ 1,523 $ 243 $ 4,377 $ 74 $ 860 $ 499 $ 7,950 Individually evaluated for impairment $ 138 $ 20 $ — $ 56 $ — $ 148 $ — $ 362 Collectively evaluated for impairment $ 236 $ 1,503 $ 243 $ 4,321 $ 74 $ 712 $ 499 $ 7,588 Loans June 30, 2021 Individually evaluated for impairment $ 3,167 $ 184 $ — $ 1,140 $ — $ 2,333 $ 6,824 Collectively evaluated for impairment 43,400 259,034 33,354 461,941 15,440 165,318 978,487 Acquired with deteriorated credit quality — 5,814 16 10,906 — 2,540 19,276 Ending balance $ 46,567 $ 265,032 $ 33,370 $ 473,987 $ 15,440 $ 170,191 $ 1,004,587 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 June 30, 2020 Beginning balance $ 347 $ 853 $ 220 $ 1,960 $ 124 $ 1,061 $ 225 $ 4,790 Charge-offs - (17 ) (95 ) - - (7 ) - (119 ) Recoveries - - 66 - - 13 - 79 Provision (95 ) 562 52 873 (45 ) (122 ) (225 ) 1,000 Ending balance $ 252 $ 1,398 $ 243 $ 2,833 $ 79 $ 945 $ - $ 5,750 Allowance for Loan Losses Six Months Ended June 30, 2020 Beginning balance $ 471 $ 655 $ 270 $ 1,663 $ 76 $ 640 $ 282 $ 4,057 Charge-offs — (17 ) (184 ) — — (7 ) — (208 ) Recoveries — 1 110 — — 15 — 126 Provision (219 ) 759 47 1,170 3 297 (282 ) 1,775 Ending balance $ 252 $ 1,398 $ 243 $ 2,833 $ 79 $ 945 $ - $ 5,750 Individually evaluated for impairment $ — $ 31 $ 6 $ 235 $ — $ 225 $ — $ 497 Collectively evaluated for impairment $ 252 $ 1,367 $ 236 $ 2,599 $ 79 $ 720 $ — $ 5,253 Loans June 30, 2020 Individually evaluated for impairment $ 379 $ 321 $ 24 $ 2,246 $ — $ 2,326 $ 5,296 Collectively evaluated for impairment 50,556 237,852 33,745 359,696 15,576 200,104 897,529 Acquired with deteriorated credit quality — 3,839 — 1,121 — 208 5,168 Ending balance $ 50,935 $ 242,012 $ 33,769 $ 363,063 $ 15,576 $ 202,638 $ 907,993 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, 2020 Individually evaluated for impairment $ - $ 19 $ 1 $ 157 $ - $ 254 $ - $ 431 Collectively evaluated for impairment $ 257 $ 1,308 $ 316 $ 4,021 $ 97 $ 1,046 $ 117 $ 7,162 Loans December 31, 2020 Individually evaluated for impairment $ 348 $ 1,663 $ 8 $ 3,032 $ 80 $ 2,720 $ 7,851 Collectively evaluated for impairment 53,387 295,154 33,982 453,681 16,559 186,982 1,039,745 Acquired with deteriorated credit quality - 6,710 24 12,534 - 2,804 22,072 Ending balance $ 53,735 $ 303,527 $ 34,014 $ 469,247 $ 16,639 $ 192,506 $ 1,069,668 The provision for loan losses was $ in the second quarter of 2021 and $416,000 in the first 2021, and $1,775,000, respectively, in the same periods in the prior year. The second quarter and first 2021 provisions were deemed appropriate due to positive economic indicators in ChoiceOne's local market areas and the national economy compared to the prior year. While it is difficult to predict the impact that COVID- 19 June 30, 2021, may 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 June 30, December 31, June 30, December 31, June 30, December 31, 2021 2020 2021 2020 2021 2020 Pass $ 43,040 $ 50,185 $ 260,047 $ 294,614 $ 464,426 $ 453,080 Special Mention 360 3,202 3,086 4,101 2,504 6,006 Substandard 3,167 348 1,702 4,812 7,057 8,925 Doubtful - - 197 - - 1,236 $ 46,567 $ 53,735 $ 265,032 $ 303,527 $ 473,987 $ 469,247 Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity (Dollars in thousands) Consumer Construction Real Estate Residential Real Estate June 30, December 31, June 30, December 31, June 30, December 31, 2021 2020 2021 2020 2021 2020 Performing $ 33,370 $ 34,006 $ 15,440 $ 16,559 $ 169,138 $ 191,125 Nonperforming - - - - - - Nonaccrual - 8 - 80 1,053 1,381 $ 33,370 $ 34,014 $ 15,440 $ 16,639 $ 170,191 $ 192,506 The following table provides information on loans that were considered troubled debt restructurings ("TDRs") that were modified during the three six June 30, 2021 and June 30, 2020. Three Months Ended June 30, 2021 Six Months Ended June 30, 2021 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 - $ - $ - 6 $ 2,320 $ 2,320 Commercial Real Estate - - - 2 1,210 1,210 Total - $ - $ - 8 $ 3,530 $ 3,530 Three Months Ended June 30, 2020 Six Months Ended June 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 $ 68 $ 68 1 $ 68 $ 68 Commercial Real Estate 2 1,882 1,882 2 1,882 1,882 Total 3 $ 1,950 $ 1,950 3 $ 1,950 $ 1,950 The following schedule provides information on TDRs as of June 30, 2021 30 three six June 30, 2021 and June 30, 2020, Three Months Ended Six Months Ended June 30, 2021 June 30, 2021 (Dollars in thousands) Number Recorded Number Recorded of Loans Investment of Loans Investment Commercial and industrial 1 $ 52 1 $ 52 Commercial Real Estate 1 184 1 184 Total 2 $ 236 2 $ 236 Three Months Ended Six Months Ended June 30, 2020 June 30, 2020 (Dollars in thousands) Number Recorded Number Recorded of Loans Investment of Loans Investment Agricultural 1 $ 68 1 $ 68 Commercial Real Estate 2 1,882 2 1,882 Total 3 $ 1,950 3 $ 1,950 In March 2020, 19 not March 22, 2020, April 7, 2020, not June 30, 2021, Impaired loans by loan category follow: Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance June 30, 2021 With no related allowance recorded Agricultural $ 1,637 $ 1,637 $ - Commercial and industrial - - - Consumer - - - Construction real estate - - - Commercial real estate 772 772 - Residential real estate 469 480 - Subtotal 2,878 2,889 - With an allowance recorded Agricultural 1,530 1,615 138 Commercial and industrial 184 313 20 Consumer - - - Construction real estate - - - Commercial real estate 368 376 56 Residential real estate 1,864 1,901 148 Subtotal 3,946 4,205 362 Total Agricultural 3,167 3,252 138 Commercial and industrial 184 313 20 Consumer - - - Construction real estate - - - Commercial real estate 1,140 1,148 56 Residential real estate 2,333 2,381 148 Total $ 6,824 $ 7,094 $ 362 Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance December 31, 2020 With no related allowance recorded Agricultural $ 348 $ 434 $ - Commercial and industrial 1,516 1,629 - Consumer - - - Construction real estate 80 80 - Commercial real estate 1,852 2,664 - Residential real estate 162 162 - Subtotal 3,958 4,969 - With an allowance recorded Agricultural - - - Commercial and industrial 147 147 19 Consumer 8 8 1 Construction real estate - - - Commercial real estate 1,180 1,180 157 Residential real estate 2,558 2,651 254 Subtotal 3,893 3,986 431 Total Agricultural 348 434 - Commercial and industrial 1,663 1,776 19 Consumer 9 8 1 Construction real estate 80 80 - Commercial real estate 3,031 3,844 157 Residential real estate 2,720 2,813 254 Total $ 7,851 $ 8,955 $ 431 The following schedule provides information regarding average balances of impaired loans and interest recognized on impaired loans for the three six June 30, 2021 2020 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended June 30, 2021 With no related allowance recorded Agricultural $ 778 $ 24 Commercial and industrial 993 - Consumer - - Construction real estate 27 - Commercial real estate 1,749 13 Residential real estate 267 - Subtotal 3,814 37 With an allowance recorded Agricultural 1,451 16 Commercial and industrial 165 - Consumer 3 - Construction real estate - - Commercial real estate 642 3 Residential real estate 2,280 15 Subtotal 4,541 34 Total Agricultural 2,229 40 Commercial and industrial 1,158 - Consumer 3 - Construction real estate 27 - Commercial real estate 2,391 16 Residential real estate 2,547 15 Total $ 8,355 $ 71 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended June 30, 2020 With no related allowance recorded Agricultural $ 190 $ - Commercial and industrial 129 - Consumer - - Construction real estate - - Commercial real estate 941 - Residential real estate 49 - Subtotal 1,309 - With an allowance recorded Agricultural 190 - Commercial and industrial 167 - Consumer 19 - Construction real estate - - Commercial real estate 1,312 5 Residential real estate 2,339 22 Subtotal 4,027 27 Total Agricultural 380 - Commercial and industrial 296 - Consumer 19 - Construction real estate - - Commercial real estate 2,253 5 Residential real estate 2,388 22 Total $ 5,336 $ 27 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Six Months Ended June 30, 2021 With no related allowance recorded Agricultural $ 993 $ 52 Commercial and industrial 731 - Consumer - - Construction real estate - - Commercial real estate 1,698 32 Residential real estate 320 - Subtotal 3,742 84 With an allowance recorded Agricultural 2,177 35 Commercial and industrial 174 1 Consumer - - Construction real estate - - Commercial real estate 372 6 Residential real estate 2,141 33 Subtotal 4,864 75 Total Agricultural 3,170 87 Commercial and industrial 905 1 Consumer - - Construction real estate - - Commercial real estate 2,070 38 Residential real estate 2,461 33 Total $ 8,606 $ 159 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Six Months Ended June 30, 2020 With no related allowance recorded Agricultural $ 308 $ - Commercial and industrial 173 - Consumer - - Construction real estate - - Commercial real estate 1,255 - Residential real estate 46 - Subtotal 1,782 - With an allowance recorded Agricultural 253 - Commercial and industrial 116 - Consumer 19 - Construction real estate - - Commercial real estate 1,005 12 Residential real estate 2,356 52 Subtotal 3,749 64 Total Agricultural 561 - Commercial and industrial 289 - Consumer 19 - Construction real estate - - Commercial real estate 2,260 12 Residential real estate 2,402 52 Total $ 5,531 $ 64 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 June 30, 2021 Agricultural $ - $ - $ - $ - $ 46,567 $ 46,567 $ - Commercial and industrial 281 21 317 619 264,413 265,032 - Consumer 15 - - 15 33,355 33,370 - Commercial real estate 425 - 184 609 473,378 473,987 - Construction real estate - - - - 15,440 15,440 - Residential real estate 97 118 480 695 169,496 170,191 - $ 818 $ 139 $ 981 $ 1,938 $ 1,002,649 $ 1,004,587 $ - December 31, 2020 Agricultural $ - $ - $ - $ - $ 53,735 $ 53,735 $ - Commercial and industrial - 109 515 624 302,903 303,527 - Consumer 39 - - 39 33,975 34,014 - Commercial real estate 532 44 1,744 2,320 466,927 469,247 - Construction real estate 1,076 180 80 1,336 15,303 16,639 - Residential real estate 1,563 256 352 2,171 190,335 192,506 - $ 3,210 $ 589 $ 2,691 $ 6,490 $ 1,063,178 $ 1,069,668 $ - ( 1 Nonaccrual loans by loan category follow: (Dollars in thousands) June 30, December 31, 2021 2020 Agricultural $ 348 $ 348 Commercial and industrial 338 1,802 Consumer - 8 Commercial real estate 184 3,088 Construction real estate - 80 Residential real estate 1,053 1,381 $ 1,923 $ 6,707 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 six June 30, 2021 (Dollars in thousands) Acquired Acquired Acquired Impaired Non-impaired Total Balance, January 1, 2019 $ - $ - $ - Merger with County Bank Corp on October 1, 2019 185 1,894 2,079 Accretion October 1, 2019 through December 31, 2019 - (75 ) (75 ) Balance, January 1, 2020 185 1,819 2,004 Accretion January 1, 2020 through December 31, 2020 (50 ) (295 ) (345 ) Balance, December 31, 2020 135 1,524 1,659 Accretion January 1, 2021 through June 30, 2021 (12 ) (127 ) (139 ) Balance, June 30, 2021 $ 123 $ 1,397 $ 1,520 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 (2,719 ) - (2,719 ) Expected cash flows 17,772 158,495 176,267 Accretable yield (869 ) (596 ) (1,465 ) Carrying balance at acquisition date $ 16,903 $ 157,899 $ 174,802 The table below presents a roll forward of the accretable yield on Community Shores Bank Corporation acquired loan portfolio for the six June 30, 2021 Impaired Non-impaired Total Balance, January 1, 2020 $ - $ - $ - Merger with Community Shores Bank Corporation on July 1, 2020 869 596 1,465 Accretion July 1, 2020 through December 31, 2020 (26 ) (141 ) (167 ) Balance, December 31, 2020 843 455 1,298 Accretion January 1, 2021 through June 30, 2021 (328 ) (219 ) (547 ) Balance, June 30, 2021 $ 515 $ 236 $ 751

Note 4 - Earnings Per Share

Note 4 - Earnings Per Share	6 Months Ended
	Jun. 30, 2021
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 Six Months Ended (Dollars in thousands, except share data) June 30, June 30, 2021 2020 2021 2020 Basic Net income $ 5,043 $ 4,430 $ 11,281 $ 7,684 Weighted average common shares outstanding 7,769,485 7,254,591 7,785,098 7,251,205 Basic earnings per common shares $ 0.65 $ 0.61 $ 1.45 $ 1.06 Diluted Net income $ 5,043 $ 4,430 $ 11,281 $ 7,684 Weighted average common shares outstanding 7,769,485 7,254,591 7,785,098 7,251,205 Plus dilutive stock options and restricted stock units 9,600 6,198 10,577 6,851 Weighted average common shares outstanding and potentially dilutive shares 7,779,085 7,260,789 7,795,675 7,258,056 Diluted earnings per common share $ 0.65 $ 0.61 $ 1.45 $ 1.06 There were 15,000 stock options that were considered anti-dilutive to earnings per share for the three June 30, 2021 six June 30, 2021. three six June 30, 2020. three June 30, 2021. six June 30, 2021 three six June 30, 2020.

Note 5 - Financial Instruments

Note 5 - Financial Instruments	6 Months Ended
	Jun. 30, 2021
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) June 30, 2021 Assets Cash and cash equivalents $ 95,318 $ 95,318 $ 95,318 $ - $ - Equity securities at fair value 8,405 8,405 6,739 - 1,666 Securities available for sale 855,555 855,555 - 842,430 13,125 Federal Home Loan Bank and Federal Reserve Bank stock 8,004 8,004 - 8,004 - Loans held for sale 12,884 13,270 - 13,270 - Loans, net 996,637 990,778 - - 990,778 Accrued interest receivable 7,544 7,544 - 7,544 - Interest rate lock commitments 407 407 - 407 - Liabilities Noninterest-bearing deposits 527,964 527,964 - 527,964 - Interest-bearing deposits 1,352,771 1,353,345 - 1,353,345 - Borrowings 2,642 2,504 - 2,504 - Subordinated debentures 3,140 2,977 - 2,977 - Accrued interest payable 96 96 - 96 - December 31, 2020 Assets Cash and due from banks $ 79,519 $ 79,519 $ 79,519 $ - $ - Equity securities at fair value 2,896 2,896 1,411 - 1,485 Securities available for sale 574,787 574,787 - 563,364 11,423 Federal Home Loan Bank and Federal Reserve Bank stock 8,004 8,004 - 8,004 - Loans held for sale 12,921 13,350 - 13,350 - Loans to other financial institutions 35,209 35,209 - 35,209 - Loans, net 1,062,075 1,057,786 - - 1,057,786 Accrued interest receivable 6,521 6,521 - 6,521 - Interest rate lock commitments 842 842 - 842 - Liabilities Noninterest-bearing deposits 477,654 477,654 - 477,654 - Interest-bearing deposits 1,196,924 1,197,964 - 1,197,964 - Borrowings 9,327 9,143 - 9,143 - Subordinated debentures 3,089 3,089 - 3,089 - Accrued interest payable 183 183 - 183 -

Note 6 - Fair Value Measurement

Note 6 - Fair Value Measurements	6 Months Ended
	Jun. 30, 2021
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 June 30, 2021 December 31, 2020 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 - June 30, 2021 Equity securities $ 6,739 $ - $ 1,666 $ 8,405 Investment Securities, Available for Sale - June 30, 2021 U. S. Government and federal agency $ - $ 2,030 $ - $ 2,030 U. S. Treasury notes and bonds - 37,361 - 37,361 State and municipal - 475,316 12,125 487,441 Mortgage-backed - 318,313 - 318,313 Corporate - 7,342 1,000 8,342 Asset-backed securities - 2,068 - 2,068 Total $ - $ 842,430 $ 13,125 $ 855,555 Equity Securities Held at Fair Value - December 31, 2020 Equity securities $ 1,411 $ - $ 1,485 $ 2,896 Investment Securities, Available for Sale - December 31, 2020 U. S. Government and federal agency $ - $ 2,051 $ - $ 2,051 U. S. Treasury notes and bonds - 2,056 - 2,056 State and municipal - 309,945 10,423 320,368 Mortgage-backed - 246,723 - 246,723 Corporate - 2,589 1,000 3,589 Total $ - $ 563,364 $ 11,423 $ 574,787 Changes in Level 3 Six Months Ended (Dollars in thousands) June 30, 2021 2020 Equity Securities Held at Fair Value Balance, January 1 $ 1,485 $ 1,472 Total realized and unrealized gains included in noninterest income (39 ) 8 Net purchases, sales, calls, and maturities 220 - Net transfers into Level 3 - - Balance, June 30 $ 1,666 $ 1,480 Investment Securities, Available for Sale Balance, January 1 $ 11,423 $ 12,367 Total unrealized gains included in other comprehensive income (264 ) 444 Net purchases, sales, calls, and maturities 1,966 (666 ) Net transfers into Level 3 - - Balance, June 30 $ 13,125 $ 12,145 Of the available for sale Level 3 June 30, 2021 , the net unrealized gain as of June 30, 2021 was $643,000, which was recognized in accumulated other comprehensive income in the consolidated balance sheet. 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 June 30, 2021 $ 6,824 $ - $ - $ 6,824 December 31, 2020 $ 7,851 $ - $ - $ 7,851 Other Real Estate June 30, 2021 $ 260 $ - $ - $ 260 December 31, 2020 $ 266 $ - $ - $ 266 Mortgage Loan Servicing Rights June 30, 2021 $ 4,461 $ - $ - $ 4,461 December 31, 2020 $ 3,967 $ - $ - $ 3,967 Impaired loans categorized as Level 3

Note 7 - Revenue From Contracts

Note 7 - Revenue From Contracts With Customers	6 Months Ended
	Jun. 30, 2021
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 Six Months Ended June 30, June 30, (Dollars in thousands) 2021 2020 2021 2020 Service charges and fees on deposit accounts $ 822 $ 647 $ 1,608 $ 1,656 Interchange income 1,311 755 2,446 1,591 Investment commission income 198 154 471 279 Trust fee income 252 201 425 372 Other charges and fees for customer services 139 84 305 231 Noninterest income from contracts with customers within the scope of ASC 606 2,723 1,841 5,254 4,129 Noninterest income within the scope of other GAAP topics 2,009 4,910 5,078 6,554 Total noninterest income $ 4,732 $ 6,751 $ 10,332 $ 10,683

Note 8 - Business Combination

Note 8 - Business Combination	6 Months Ended
	Jun. 30, 2021
Notes to Financial Statements
Business Combination Disclosure [Text Block]	N OTE 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 174,802 Premises and equipment 6,204 Other real estate owned 346 Deposit based intangible 760 Other assets 1,077 Total assets 244,535 Non-interest bearing deposits 65,499 Interest bearing deposits 162,333 Total deposits 227,832 Subordinated debentures 3,039 Other liabilities 136 Total liabilities 231,007 Net assets acquired 13,528 Goodwill $ 7,353 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)	6 Months Ended
	Jun. 30, 2021
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	Principles of Consolidation The consolidated financial statements include ChoiceOne Financial Services, Inc. ("ChoiceOne"), its wholly-owned subsidiary, ChoiceOne Bank (the "Bank"), and ChoiceOne Bank’s wholly-owned subsidiary ChoiceOne Insurance Agencies, Inc. (the "Insurance Agency"). Intercompany transactions and balances have been eliminated in consolidation. ChoiceOne owns all of the common securities of Community Shores Capital Trust I (the “Capital Trust”). Under U.S. generally accepted accounting principles ("GAAP"), the Capital Trust is not 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 June 30, 2021 December 31, 2020 three six June 30, 2021 June 30, 2020 three six June 30, 2021 June 30, 2020 three six June 30, 2021 June 30, 2020 six June 30, 2021 June 30, 2020 six June 30, 2021 not may December 31, 2021 The accompanying consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes thereto included in ChoiceOne’s Annual Report on Form 10 December 31, 2020
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 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 no June 30, 2021. 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 3
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 shares of common stock were issued to ChoiceOne’s Board of Directors for a cash price of under the terms of the Directors’ Stock Purchase Plan in the first of 2021 . A total of shares for a cash price of were issued under the Employee Stock Purchase Plan in the first six of 2021 .
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, curities and Exchange Commission. ChoiceOne was classified as a smaller reporting company as of the determination date of November 15, 2019. may
Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]	Goodwill Goodwill is not first 1 not not, no 2006, 2019, 2020, Due to the potential impact of COVID- 19 third November 30, 2020 ( third 2025 not Management performed its annual qualitative assessment of goodwill as of June 30, 2021. not 350 20 35 3c. 19 may November 30, 2020 June 30, 2021, second 2021 not June 30, 2021.

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	6 Months Ended
	Jun. 30, 2021
Notes Tables
Debt Securities, Trading, and Equity Securities, FV-NI [Table Text Block]	June 30, 2021 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 7,856 $ 587 $ (38 ) $ 8,405 December 31, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value Equity securities $ 2,836 $ 60 $ - $ 2,896
Debt Securities, Available-for-sale [Table Text Block]	June 30, 2021 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 2,004 $ 26 $ - $ 2,030 U.S. Treasury notes and bonds 37,195 166 - 37,361 State and municipal 476,698 12,657 (1,914 ) 487,441 Mortgage-backed 320,612 1,596 (3,895 ) 318,313 Corporate 8,303 39 - 8,342 Asset-backed securities 2,077 - (9 ) 2,068 Total $ 846,889 $ 14,484 $ (5,818 ) $ 855,555 December 31, 2020 Gross Gross (Dollars in thousands) Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government and federal agency $ 2,007 $ 44 $ - $ 2,051 U.S. Treasury notes and bonds 1,996 60 - 2,056 State and municipal 307,201 13,191 (24 ) 320,368 Mortgage-backed 246,085 1,510 (872 ) 246,723 Corporate 3,539 51 (1 ) 3,589 Total $ 560,828 $ 14,856 $ (897 ) $ 574,787
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 June 30, at Dec. 31, (Dollars in thousands) 1 Year 5 Years 10 Years 10 Years 2021 2020 U.S. Government and federal agency $ 2,030 $ - $ - $ - $ 2,030 $ 2,051 U.S. Treasury notes and bonds - 2,040 35,321 - 37,361 2,056 State and municipal 14,546 59,291 317,995 95,609 487,441 320,368 Corporate 502 1,040 5,800 1,000 8,342 3,589 Asset-backed securities - 2,068 - - 2,068 - Total debt securities 17,078 64,439 359,116 96,609 537,242 328,064 Mortgage-backed securities 12,924 97,585 200,623 7,181 318,313 246,723 Equity securities - 1,000 - 7,405 8,405 2,896 Total $ 30,002 $ 163,024 $ 559,739 $ 111,195 $ 863,960 $ 577,683 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 1.24 - 1.27 State and municipal 3.12 2.88 2.51 2.33 2.54 Corporate 2.57 2.86 3.70 3.75 3.75 Asset-backed securities - 0.94 - - 0.94 Mortgage-backed securities 1.78 1.83 1.26 1.74 1.47 Equity securities - 4.66 - - 0.55
Gain (Loss) on Securities [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, 2021 2020 2021 2020 Net gains and (losses) recognized during the period $ (119 ) $ 443 $ 489 $ 54 Less: Net gains and (losses) recognized during the period on securities sold — — — — Unrealized gains and losses recognized during the reporting period on securities still held at the reporting date $ (119 ) $ 443 $ 489 $ 54

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2021
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 June 30, 2021 Beginning balance $ 342 $ 1,599 $ 247 $ 4,345 $ 74 $ 1,024 $ 109 $ 7,740 Charge-offs — (24 ) (76 ) - — - — (100 ) Recoveries — 64 35 42 — 3 — 144 Provision 32 (116 ) 37 (10 ) - (167 ) 390 166 Ending balance $ 374 $ 1,523 $ 243 $ 4,377 $ 74 $ 860 $ 499 $ 7,950 Allowance for Loan Losses Six Months Ended June 30, 2021 Beginning balance $ 257 $ 1,327 $ 317 $ 4,178 $ 97 $ 1,300 $ 117 $ 7,593 Charge-offs — (98 ) (147 ) (48 ) — — — (293 ) Recoveries — 73 113 43 — 5 — 234 Provision 117 221 (40 ) 204 (23 ) (445 ) 382 416 Ending balance $ 374 $ 1,523 $ 243 $ 4,377 $ 74 $ 860 $ 499 $ 7,950 Individually evaluated for impairment $ 138 $ 20 $ — $ 56 $ — $ 148 $ — $ 362 Collectively evaluated for impairment $ 236 $ 1,503 $ 243 $ 4,321 $ 74 $ 712 $ 499 $ 7,588 Loans June 30, 2021 Individually evaluated for impairment $ 3,167 $ 184 $ — $ 1,140 $ — $ 2,333 $ 6,824 Collectively evaluated for impairment 43,400 259,034 33,354 461,941 15,440 165,318 978,487 Acquired with deteriorated credit quality — 5,814 16 10,906 — 2,540 19,276 Ending balance $ 46,567 $ 265,032 $ 33,370 $ 473,987 $ 15,440 $ 170,191 $ 1,004,587 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 June 30, 2020 Beginning balance $ 347 $ 853 $ 220 $ 1,960 $ 124 $ 1,061 $ 225 $ 4,790 Charge-offs - (17 ) (95 ) - - (7 ) - (119 ) Recoveries - - 66 - - 13 - 79 Provision (95 ) 562 52 873 (45 ) (122 ) (225 ) 1,000 Ending balance $ 252 $ 1,398 $ 243 $ 2,833 $ 79 $ 945 $ - $ 5,750 Allowance for Loan Losses Six Months Ended June 30, 2020 Beginning balance $ 471 $ 655 $ 270 $ 1,663 $ 76 $ 640 $ 282 $ 4,057 Charge-offs — (17 ) (184 ) — — (7 ) — (208 ) Recoveries — 1 110 — — 15 — 126 Provision (219 ) 759 47 1,170 3 297 (282 ) 1,775 Ending balance $ 252 $ 1,398 $ 243 $ 2,833 $ 79 $ 945 $ - $ 5,750 Individually evaluated for impairment $ — $ 31 $ 6 $ 235 $ — $ 225 $ — $ 497 Collectively evaluated for impairment $ 252 $ 1,367 $ 236 $ 2,599 $ 79 $ 720 $ — $ 5,253 Loans June 30, 2020 Individually evaluated for impairment $ 379 $ 321 $ 24 $ 2,246 $ — $ 2,326 $ 5,296 Collectively evaluated for impairment 50,556 237,852 33,745 359,696 15,576 200,104 897,529 Acquired with deteriorated credit quality — 3,839 — 1,121 — 208 5,168 Ending balance $ 50,935 $ 242,012 $ 33,769 $ 363,063 $ 15,576 $ 202,638 $ 907,993 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, 2020 Individually evaluated for impairment $ - $ 19 $ 1 $ 157 $ - $ 254 $ - $ 431 Collectively evaluated for impairment $ 257 $ 1,308 $ 316 $ 4,021 $ 97 $ 1,046 $ 117 $ 7,162 Loans December 31, 2020 Individually evaluated for impairment $ 348 $ 1,663 $ 8 $ 3,032 $ 80 $ 2,720 $ 7,851 Collectively evaluated for impairment 53,387 295,154 33,982 453,681 16,559 186,982 1,039,745 Acquired with deteriorated credit quality - 6,710 24 12,534 - 2,804 22,072 Ending balance $ 53,735 $ 303,527 $ 34,014 $ 469,247 $ 16,639 $ 192,506 $ 1,069,668
Financing Receivable Credit Quality Indicators [Table Text Block]	(Dollars in thousands) Agricultural Commercial and Industrial Commercial Real Estate June 30, December 31, June 30, December 31, June 30, December 31, 2021 2020 2021 2020 2021 2020 Pass $ 43,040 $ 50,185 $ 260,047 $ 294,614 $ 464,426 $ 453,080 Special Mention 360 3,202 3,086 4,101 2,504 6,006 Substandard 3,167 348 1,702 4,812 7,057 8,925 Doubtful - - 197 - - 1,236 $ 46,567 $ 53,735 $ 265,032 $ 303,527 $ 473,987 $ 469,247 (Dollars in thousands) Consumer Construction Real Estate Residential Real Estate June 30, December 31, June 30, December 31, June 30, December 31, 2021 2020 2021 2020 2021 2020 Performing $ 33,370 $ 34,006 $ 15,440 $ 16,559 $ 169,138 $ 191,125 Nonperforming - - - - - - Nonaccrual - 8 - 80 1,053 1,381 $ 33,370 $ 34,014 $ 15,440 $ 16,639 $ 170,191 $ 192,506
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	Three Months Ended June 30, 2021 Six Months Ended June 30, 2021 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 - $ - $ - 6 $ 2,320 $ 2,320 Commercial Real Estate - - - 2 1,210 1,210 Total - $ - $ - 8 $ 3,530 $ 3,530 Three Months Ended June 30, 2020 Six Months Ended June 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 $ 68 $ 68 1 $ 68 $ 68 Commercial Real Estate 2 1,882 1,882 2 1,882 1,882 Total 3 $ 1,950 $ 1,950 3 $ 1,950 $ 1,950 Three Months Ended Six Months Ended June 30, 2021 June 30, 2021 (Dollars in thousands) Number Recorded Number Recorded of Loans Investment of Loans Investment Commercial and industrial 1 $ 52 1 $ 52 Commercial Real Estate 1 184 1 184 Total 2 $ 236 2 $ 236 Three Months Ended Six Months Ended June 30, 2020 June 30, 2020 (Dollars in thousands) Number Recorded Number Recorded of Loans Investment of Loans Investment Agricultural 1 $ 68 1 $ 68 Commercial Real Estate 2 1,882 2 1,882 Total 3 $ 1,950 3 $ 1,950
Impaired Financing Receivables [Table Text Block]	Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance June 30, 2021 With no related allowance recorded Agricultural $ 1,637 $ 1,637 $ - Commercial and industrial - - - Consumer - - - Construction real estate - - - Commercial real estate 772 772 - Residential real estate 469 480 - Subtotal 2,878 2,889 - With an allowance recorded Agricultural 1,530 1,615 138 Commercial and industrial 184 313 20 Consumer - - - Construction real estate - - - Commercial real estate 368 376 56 Residential real estate 1,864 1,901 148 Subtotal 3,946 4,205 362 Total Agricultural 3,167 3,252 138 Commercial and industrial 184 313 20 Consumer - - - Construction real estate - - - Commercial real estate 1,140 1,148 56 Residential real estate 2,333 2,381 148 Total $ 6,824 $ 7,094 $ 362 Unpaid (Dollars in thousands) Recorded Principal Related Investment Balance Allowance December 31, 2020 With no related allowance recorded Agricultural $ 348 $ 434 $ - Commercial and industrial 1,516 1,629 - Consumer - - - Construction real estate 80 80 - Commercial real estate 1,852 2,664 - Residential real estate 162 162 - Subtotal 3,958 4,969 - With an allowance recorded Agricultural - - - Commercial and industrial 147 147 19 Consumer 8 8 1 Construction real estate - - - Commercial real estate 1,180 1,180 157 Residential real estate 2,558 2,651 254 Subtotal 3,893 3,986 431 Total Agricultural 348 434 - Commercial and industrial 1,663 1,776 19 Consumer 9 8 1 Construction real estate 80 80 - Commercial real estate 3,031 3,844 157 Residential real estate 2,720 2,813 254 Total $ 7,851 $ 8,955 $ 431 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended June 30, 2021 With no related allowance recorded Agricultural $ 778 $ 24 Commercial and industrial 993 - Consumer - - Construction real estate 27 - Commercial real estate 1,749 13 Residential real estate 267 - Subtotal 3,814 37 With an allowance recorded Agricultural 1,451 16 Commercial and industrial 165 - Consumer 3 - Construction real estate - - Commercial real estate 642 3 Residential real estate 2,280 15 Subtotal 4,541 34 Total Agricultural 2,229 40 Commercial and industrial 1,158 - Consumer 3 - Construction real estate 27 - Commercial real estate 2,391 16 Residential real estate 2,547 15 Total $ 8,355 $ 71 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Three Months Ended June 30, 2020 With no related allowance recorded Agricultural $ 190 $ - Commercial and industrial 129 - Consumer - - Construction real estate - - Commercial real estate 941 - Residential real estate 49 - Subtotal 1,309 - With an allowance recorded Agricultural 190 - Commercial and industrial 167 - Consumer 19 - Construction real estate - - Commercial real estate 1,312 5 Residential real estate 2,339 22 Subtotal 4,027 27 Total Agricultural 380 - Commercial and industrial 296 - Consumer 19 - Construction real estate - - Commercial real estate 2,253 5 Residential real estate 2,388 22 Total $ 5,336 $ 27 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Six Months Ended June 30, 2021 With no related allowance recorded Agricultural $ 993 $ 52 Commercial and industrial 731 - Consumer - - Construction real estate - - Commercial real estate 1,698 32 Residential real estate 320 - Subtotal 3,742 84 With an allowance recorded Agricultural 2,177 35 Commercial and industrial 174 1 Consumer - - Construction real estate - - Commercial real estate 372 6 Residential real estate 2,141 33 Subtotal 4,864 75 Total Agricultural 3,170 87 Commercial and industrial 905 1 Consumer - - Construction real estate - - Commercial real estate 2,070 38 Residential real estate 2,461 33 Total $ 8,606 $ 159 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Six Months Ended June 30, 2020 With no related allowance recorded Agricultural $ 308 $ - Commercial and industrial 173 - Consumer - - Construction real estate - - Commercial real estate 1,255 - Residential real estate 46 - Subtotal 1,782 - With an allowance recorded Agricultural 253 - Commercial and industrial 116 - Consumer 19 - Construction real estate - - Commercial real estate 1,005 12 Residential real estate 2,356 52 Subtotal 3,749 64 Total Agricultural 561 - Commercial and industrial 289 - Consumer 19 - Construction real estate - - Commercial real estate 2,260 12 Residential real estate 2,402 52 Total $ 5,531 $ 64
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 June 30, 2021 Agricultural $ - $ - $ - $ - $ 46,567 $ 46,567 $ - Commercial and industrial 281 21 317 619 264,413 265,032 - Consumer 15 - - 15 33,355 33,370 - Commercial real estate 425 - 184 609 473,378 473,987 - Construction real estate - - - - 15,440 15,440 - Residential real estate 97 118 480 695 169,496 170,191 - $ 818 $ 139 $ 981 $ 1,938 $ 1,002,649 $ 1,004,587 $ - December 31, 2020 Agricultural $ - $ - $ - $ - $ 53,735 $ 53,735 $ - Commercial and industrial - 109 515 624 302,903 303,527 - Consumer 39 - - 39 33,975 34,014 - Commercial real estate 532 44 1,744 2,320 466,927 469,247 - Construction real estate 1,076 180 80 1,336 15,303 16,639 - Residential real estate 1,563 256 352 2,171 190,335 192,506 - $ 3,210 $ 589 $ 2,691 $ 6,490 $ 1,063,178 $ 1,069,668 $ -
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) June 30, December 31, 2021 2020 Agricultural $ 348 $ 348 Commercial and industrial 338 1,802 Consumer - 8 Commercial real estate 184 3,088 Construction real estate - 80 Residential real estate 1,053 1,381 $ 1,923 $ 6,707
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, 2019 $ - $ - $ - Merger with County Bank Corp on October 1, 2019 185 1,894 2,079 Accretion October 1, 2019 through December 31, 2019 - (75 ) (75 ) Balance, January 1, 2020 185 1,819 2,004 Accretion January 1, 2020 through December 31, 2020 (50 ) (295 ) (345 ) Balance, December 31, 2020 135 1,524 1,659 Accretion January 1, 2021 through June 30, 2021 (12 ) (127 ) (139 ) Balance, June 30, 2021 $ 123 $ 1,397 $ 1,520 Acquired Acquired Acquired Impaired Non-impaired Total Loans acquired - contractual payments $ 20,491 $ 158,495 $ 178,986 Nonaccretable difference (2,719 ) - (2,719 ) Expected cash flows 17,772 158,495 176,267 Accretable yield (869 ) (596 ) (1,465 ) Carrying balance at acquisition date $ 16,903 $ 157,899 $ 174,802 Impaired Non-impaired Total Balance, January 1, 2020 $ - $ - $ - Merger with Community Shores Bank Corporation on July 1, 2020 869 596 1,465 Accretion July 1, 2020 through December 31, 2020 (26 ) (141 ) (167 ) Balance, December 31, 2020 843 455 1,298 Accretion January 1, 2021 through June 30, 2021 (328 ) (219 ) (547 ) Balance, June 30, 2021 $ 515 $ 236 $ 751

Note 4 - Earnings Per Share (Ta

Note 4 - Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2021
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended Six Months Ended (Dollars in thousands, except share data) June 30, June 30, 2021 2020 2021 2020 Basic Net income $ 5,043 $ 4,430 $ 11,281 $ 7,684 Weighted average common shares outstanding 7,769,485 7,254,591 7,785,098 7,251,205 Basic earnings per common shares $ 0.65 $ 0.61 $ 1.45 $ 1.06 Diluted Net income $ 5,043 $ 4,430 $ 11,281 $ 7,684 Weighted average common shares outstanding 7,769,485 7,254,591 7,785,098 7,251,205 Plus dilutive stock options and restricted stock units 9,600 6,198 10,577 6,851 Weighted average common shares outstanding and potentially dilutive shares 7,779,085 7,260,789 7,795,675 7,258,056 Diluted earnings per common share $ 0.65 $ 0.61 $ 1.45 $ 1.06

Note 5 - Financial Instruments

Note 5 - Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2021
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) June 30, 2021 Assets Cash and cash equivalents $ 95,318 $ 95,318 $ 95,318 $ - $ - Equity securities at fair value 8,405 8,405 6,739 - 1,666 Securities available for sale 855,555 855,555 - 842,430 13,125 Federal Home Loan Bank and Federal Reserve Bank stock 8,004 8,004 - 8,004 - Loans held for sale 12,884 13,270 - 13,270 - Loans, net 996,637 990,778 - - 990,778 Accrued interest receivable 7,544 7,544 - 7,544 - Interest rate lock commitments 407 407 - 407 - Liabilities Noninterest-bearing deposits 527,964 527,964 - 527,964 - Interest-bearing deposits 1,352,771 1,353,345 - 1,353,345 - Borrowings 2,642 2,504 - 2,504 - Subordinated debentures 3,140 2,977 - 2,977 - Accrued interest payable 96 96 - 96 - December 31, 2020 Assets Cash and due from banks $ 79,519 $ 79,519 $ 79,519 $ - $ - Equity securities at fair value 2,896 2,896 1,411 - 1,485 Securities available for sale 574,787 574,787 - 563,364 11,423 Federal Home Loan Bank and Federal Reserve Bank stock 8,004 8,004 - 8,004 - Loans held for sale 12,921 13,350 - 13,350 - Loans to other financial institutions 35,209 35,209 - 35,209 - Loans, net 1,062,075 1,057,786 - - 1,057,786 Accrued interest receivable 6,521 6,521 - 6,521 - Interest rate lock commitments 842 842 - 842 - Liabilities Noninterest-bearing deposits 477,654 477,654 - 477,654 - Interest-bearing deposits 1,196,924 1,197,964 - 1,197,964 - Borrowings 9,327 9,143 - 9,143 - Subordinated debentures 3,089 3,089 - 3,089 - Accrued interest payable 183 183 - 183 -

Note 6 - Fair Value Measureme_2

Note 6 - Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2021
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 - June 30, 2021 Equity securities $ 6,739 $ - $ 1,666 $ 8,405 Investment Securities, Available for Sale - June 30, 2021 U. S. Government and federal agency $ - $ 2,030 $ - $ 2,030 U. S. Treasury notes and bonds - 37,361 - 37,361 State and municipal - 475,316 12,125 487,441 Mortgage-backed - 318,313 - 318,313 Corporate - 7,342 1,000 8,342 Asset-backed securities - 2,068 - 2,068 Total $ - $ 842,430 $ 13,125 $ 855,555 Equity Securities Held at Fair Value - December 31, 2020 Equity securities $ 1,411 $ - $ 1,485 $ 2,896 Investment Securities, Available for Sale - December 31, 2020 U. S. Government and federal agency $ - $ 2,051 $ - $ 2,051 U. S. Treasury notes and bonds - 2,056 - 2,056 State and municipal - 309,945 10,423 320,368 Mortgage-backed - 246,723 - 246,723 Corporate - 2,589 1,000 3,589 Total $ - $ 563,364 $ 11,423 $ 574,787
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Six Months Ended (Dollars in thousands) June 30, 2021 2020 Equity Securities Held at Fair Value Balance, January 1 $ 1,485 $ 1,472 Total realized and unrealized gains included in noninterest income (39 ) 8 Net purchases, sales, calls, and maturities 220 - Net transfers into Level 3 - - Balance, June 30 $ 1,666 $ 1,480 Investment Securities, Available for Sale Balance, January 1 $ 11,423 $ 12,367 Total unrealized gains included in other comprehensive income (264 ) 444 Net purchases, sales, calls, and maturities 1,966 (666 ) Net transfers into Level 3 - - Balance, June 30 $ 13,125 $ 12,145
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 June 30, 2021 $ 6,824 $ - $ - $ 6,824 December 31, 2020 $ 7,851 $ - $ - $ 7,851 Other Real Estate June 30, 2021 $ 260 $ - $ - $ 260 December 31, 2020 $ 266 $ - $ - $ 266 Mortgage Loan Servicing Rights June 30, 2021 $ 4,461 $ - $ - $ 4,461 December 31, 2020 $ 3,967 $ - $ - $ 3,967

Note 7 - Revenue From Contrac_2

Note 7 - Revenue From Contracts With Customers (Tables)	6 Months Ended
	Jun. 30, 2021
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2021 2020 2021 2020 Service charges and fees on deposit accounts $ 822 $ 647 $ 1,608 $ 1,656 Interchange income 1,311 755 2,446 1,591 Investment commission income 198 154 471 279 Trust fee income 252 201 425 372 Other charges and fees for customer services 139 84 305 231 Noninterest income from contracts with customers within the scope of ASC 606 2,723 1,841 5,254 4,129 Noninterest income within the scope of other GAAP topics 2,009 4,910 5,078 6,554 Total noninterest income $ 4,732 $ 6,751 $ 10,332 $ 10,683

Note 8 - Business Combination (

Note 8 - Business Combination (Tables)	6 Months Ended
	Jun. 30, 2021
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 174,802 Premises and equipment 6,204 Other real estate owned 346 Deposit based intangible 760 Other assets 1,077 Total assets 244,535 Non-interest bearing deposits 65,499 Interest bearing deposits 162,333 Total deposits 227,832 Subordinated debentures 3,039 Other liabilities 136 Total liabilities 231,007 Net assets acquired 13,528 Goodwill $ 7,353 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) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020	Jul. 01, 2020	Dec. 31, 2019	Oct. 01, 2019	Dec. 31, 2006
Stock Issued During Period, Value, New Issues	$ 106,000	$ 55,000	$ 281,000	$ 161,000
Goodwill, Ending Balance	$ 59,946,000		$ 59,946,000		$ 60,506,000
Valley Ridge Financial Corp. [Member]
Goodwill, Ending Balance									$ 13,700,000
County Bank Corp ("County") [Member]
Goodwill, Ending Balance							$ 38,900,000	$ 38,866,000
Community Shores Bank Corp ("Community Shores") [Member]
Goodwill, Ending Balance					$ 7,300,000	$ 7,353,000
Directors' Stock Purchase Plan [Member]
Stock Issued During Period, Shares, New Issues (in shares)			8,929
Stock Issued During Period, Value, New Issues			$ 247,000
Employee Stock Purchase Plan [Member]
Stock Issued During Period, Shares, New Issues (in shares)			2,957
Stock Issued During Period, Value, New Issues			$ 66,000

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
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	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Amortized Cost	$ 7,856	$ 2,836
Gross Unrealized Gains	587	60
Gross Unrealized Losses	(38)	0
Equity securities at fair value (Note 2)	$ 8,405	$ 2,896

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	Jun. 30, 2021	Dec. 31, 2020
Amortized Cost	$ 846,889	$ 560,828
Gross Unrealized Gains	14,484	14,856
Gross Unrealized Losses	(5,818)	(897)
Fair Value	855,555	574,787
US Treasury and Government [Member]
Amortized Cost	2,004	2,007
Gross Unrealized Gains	26	44
Gross Unrealized Losses	0	0
Fair Value	2,030	2,051
US Treasury Securities [Member]
Amortized Cost	37,195	1,996
Gross Unrealized Gains	166	60
Gross Unrealized Losses	0	0
Fair Value	37,361	2,056
US States and Political Subdivisions Debt Securities [Member]
Amortized Cost	476,698	307,201
Gross Unrealized Gains	12,657	13,191
Gross Unrealized Losses	(1,914)	(24)
Fair Value	487,441	320,368
Collateralized Mortgage Backed Securities [Member]
Amortized Cost	320,612	246,085
Gross Unrealized Gains	1,596	1,510
Gross Unrealized Losses	(3,895)	(872)
Fair Value	318,313	246,723
Corporate Debt Securities [Member]
Amortized Cost	8,303	3,539
Gross Unrealized Gains	39	51
Gross Unrealized Losses	0	(1)
Fair Value	8,342	3,589
Asset-backed Securities [Member]
Amortized Cost	2,077
Gross Unrealized Gains	0
Gross Unrealized Losses	(9)
Fair Value	$ 2,068	$ 0

Note 2 - Securities - Schedule

Note 2 - Securities - Schedule of Maturities of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Less than 1 Year	$ 30,002
1 Year - 5 Years	163,024
5 years to 10 years	559,739
More than 10 Years	111,195
Fair Value	855,555	$ 574,787
Equity securities	8,405	2,896
Fair value	863,960	577,683
US Treasury and Government [Member]
Less than 1 Year	2,030
1 Year - 5 Years	0
5 years to 10 years	0
More than 10 Years	0
Fair Value	$ 2,030	2,051
Less than 1 year, weighted average yield	1.98%
1 year to 5 years, weighted average yield	0.00%
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	2,040
5 years to 10 years	35,321
More than 10 Years	0
Fair Value	$ 37,361	2,056
Less than 1 year, weighted average yield	0.00%
1 year to 5 years, weighted average yield	1.85%
5 years to 10 years , weighted average yields	1.24%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	1.27%
US States and Political Subdivisions Debt Securities [Member]
Less than 1 Year	$ 14,546
1 Year - 5 Years	59,291
5 years to 10 years	317,995
More than 10 Years	95,609
Fair Value	$ 487,441	320,368
Less than 1 year, weighted average yield	3.12%
1 year to 5 years, weighted average yield	2.88%
5 years to 10 years , weighted average yields	2.51%
More than 10 years , weighted average yields	2.33%
Weighted average yields, total	2.54%
Corporate Debt Securities [Member]
Less than 1 Year	$ 502
1 Year - 5 Years	1,040
5 years to 10 years	5,800
More than 10 Years	1,000
Fair Value	$ 8,342	3,589
Less than 1 year, weighted average yield	2.57%
1 year to 5 years, weighted average yield	2.86%
5 years to 10 years , weighted average yields	3.70%
More than 10 years , weighted average yields	3.75%
Weighted average yields, total	3.75%
Asset-backed Securities [Member]
Less than 1 Year	$ 0
1 Year - 5 Years	2,068
5 years to 10 years
More than 10 Years
Fair Value	$ 2,068	0
Less than 1 year, weighted average yield	0.00%
1 year to 5 years, weighted average yield	0.94%
5 years to 10 years , weighted average yields	0.00%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	0.94%
Collateralized Mortgage Backed Securities [Member]
Less than 1 Year	$ 12,924
1 Year - 5 Years	97,585
5 years to 10 years	200,623
More than 10 Years	7,181
Fair Value	318,313	246,723
Equity securities	$ 8,405
Less than 1 year, weighted average yield	1.78%
1 year to 5 years, weighted average yield	1.83%
5 years to 10 years , weighted average yields	1.26%
More than 10 years , weighted average yields	1.74%
Weighted average yields, total	1.47%
Debt [Member]
Less than 1 Year	$ 17,078
1 Year - 5 Years	64,439
5 years to 10 years	359,116
More than 10 Years	96,609
Fair Value	537,242	328,064
Equity Securities [Member]
Less than 1 Year	0
1 Year - 5 Years	1,000
5 years to 10 years	0
More than 10 Years	$ 7,405
Equity securities		$ 2,896
Less than 1 year, weighted average yield	0.00%
1 year to 5 years, weighted average yield	4.66%
5 years to 10 years , weighted average yields	0.00%
More than 10 years , weighted average yields	0.00%
Weighted average yields, total	0.55%

Note 2 - Securities - Unrealize

Note 2 - Securities - Unrealized Gains and Losses on Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Change in market value of equity securities	$ (119)	$ 443	$ 489	$ 54
Less: Net gains and (losses) recognized during the period on securities sold	0	0	0	0
Unrealized gains and losses recognized during the reporting period on securities still held at the reporting date	$ (119)	$ 443	$ 489	$ 54

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Loan Losses (Details Textual) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Provision for Loan, Lease, and Other Losses, Total	$ 166,000	$ 1,000,000	$ 416,000	$ 1,775,000

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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Beginning balance	$ 7,740,000	$ 4,790,000	$ 7,593,000	$ 4,057,000
Charge-offs	(100,000)	(119,000)	(293,000)	(208,000)
Recoveries	144,000	79,000	234,000	126,000
Provision	166,000	1,000,000	416,000	1,775,000
Ending balance	7,950,000	5,750,000	7,950,000	5,750,000
Individually evaluated for impairment	362,000	497,000	362,000	497,000	$ 431,000
Collectively evaluated for impairment	7,588,000	5,253,000	7,588,000	5,253,000	7,162,000
Individually evaluated for impairment	6,824,000	5,296,000	6,824,000	5,296,000	7,851,000
Collectively evaluated for impairment	978,487,000	897,529,000	978,487,000	897,529,000	1,039,745,000
Acquired with deteriorated credit quality	19,276,000	5,168,000	19,276,000	5,168,000	22,072,000
Loans	1,004,587,000	907,993,000	1,004,587,000	907,993,000	1,069,668,000
Agricultural [Member]
Beginning balance	342,000	347,000	257,000	471,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	32,000	(95,000)	117,000	(219,000)
Ending balance	374,000	252,000	374,000	252,000
Individually evaluated for impairment	138,000	0	138,000	0	0
Collectively evaluated for impairment	236,000	252,000	236,000	252,000	257,000
Individually evaluated for impairment	3,167,000	379,000	3,167,000	379,000	348,000
Collectively evaluated for impairment	43,400,000	50,556,000	43,400,000	50,556,000	53,387,000
Acquired with deteriorated credit quality	0	0	0	0	0
Loans	46,567,000	50,935,000	46,567,000	50,935,000	53,735,000
Commercial and Industrial [Member]
Beginning balance	1,599,000	853,000	1,327,000	655,000
Charge-offs	(24,000)	(17,000)	(98,000)	(17,000)
Recoveries	64,000	0	73,000	1,000
Provision	(116,000)	562,000	221,000	759,000
Ending balance	1,523,000	1,398,000	1,523,000	1,398,000
Individually evaluated for impairment	20,000	31,000	20,000	31,000	19,000
Collectively evaluated for impairment	1,503,000	1,367,000	1,503,000	1,367,000	1,308,000
Individually evaluated for impairment	184,000	321,000	184,000	321,000	1,663,000
Collectively evaluated for impairment	259,034,000	237,852,000	259,034,000	237,852,000	295,154,000
Acquired with deteriorated credit quality	5,814,000	3,839,000	5,814,000	3,839,000	6,710,000
Loans	265,032,000	242,012,000	265,032,000	242,012,000	303,527,000
Consumer Portfolio Segment [Member]
Beginning balance	247,000	220,000	317,000	270,000
Charge-offs	(76,000)	(95,000)	(147,000)	(184,000)
Recoveries	35,000	66,000	113,000	110,000
Provision	37,000	52,000	(40,000)	47,000
Ending balance	243,000	243,000	243,000	243,000
Individually evaluated for impairment	0	6,000	0	6,000	1,000
Collectively evaluated for impairment	243,000	236,000	243,000	236,000	316,000
Individually evaluated for impairment	0	24,000	0	24,000	8,000
Collectively evaluated for impairment	33,354,000	33,745,000	33,354,000	33,745,000	33,982,000
Acquired with deteriorated credit quality	16,000	0	16,000	0	24,000
Loans	33,370,000	33,769,000	33,370,000	33,769,000	34,014,000
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	4,345,000	1,960,000	4,178,000	1,663,000
Charge-offs	0	0	(48,000)	0
Recoveries	42,000	0	43,000	0
Provision	(10,000)	873,000	204,000	1,170,000
Ending balance	4,377,000	2,833,000	4,377,000	2,833,000
Individually evaluated for impairment	56,000	235,000	56,000	235,000	157,000
Collectively evaluated for impairment	4,321,000	2,599,000	4,321,000	2,599,000	4,021,000
Individually evaluated for impairment	1,140,000	2,246,000	1,140,000	2,246,000	3,032,000
Collectively evaluated for impairment	461,941,000	359,696,000	461,941,000	359,696,000	453,681,000
Acquired with deteriorated credit quality	10,906,000	1,121,000	10,906,000	1,121,000	12,534,000
Loans	473,987,000	363,063,000	473,987,000	363,063,000	469,247,000
Construction Real Estate [Member]
Beginning balance	74,000	124,000	97,000	76,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	0	(45,000)	(23,000)	3,000
Ending balance	74,000	79,000	74,000	79,000
Individually evaluated for impairment	0	0	0	0	0
Collectively evaluated for impairment	74,000	79,000	74,000	79,000	97,000
Individually evaluated for impairment	0	0	0	0	80,000
Collectively evaluated for impairment	15,440,000	15,576,000	15,440,000	15,576,000	16,559,000
Acquired with deteriorated credit quality	0	0	0	0	0
Loans	15,440,000	15,576,000	15,440,000	15,576,000	16,639,000
Residential Portfolio Segment [Member]
Beginning balance	1,024,000	1,061,000	1,300,000	640,000
Charge-offs	0	(7,000)	0	(7,000)
Recoveries	3,000	13,000	5,000	15,000
Provision	(167,000)	(122,000)	(445,000)	297,000
Ending balance	860,000	945,000	860,000	945,000
Individually evaluated for impairment	148,000	225,000	148,000	225,000	254,000
Collectively evaluated for impairment	712,000	720,000	712,000	720,000	1,046,000
Individually evaluated for impairment	2,333,000	2,326,000	2,333,000	2,326,000	2,720,000
Collectively evaluated for impairment	165,318,000	200,104,000	165,318,000	200,104,000	186,982,000
Acquired with deteriorated credit quality	2,540,000	208,000	2,540,000	208,000	2,804,000
Loans	170,191,000	202,638,000	170,191,000	202,638,000	192,506,000
Unallocated Financing Receivables [Member]
Beginning balance	109,000	225,000	117,000	282,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	390,000	(225,000)	382,000	(282,000)
Ending balance	499,000	0	499,000	0
Individually evaluated for impairment	0	0	0	0	0
Collectively evaluated for impairment	499,000	0	499,000	0	117,000
Individually evaluated for impairment
Collectively evaluated for impairment
Acquired with deteriorated credit quality
Loans

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Loan Losses - Credit Risk Profile (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020	Jun. 30, 2020
Loans	$ 1,004,587	$ 1,069,668	$ 907,993
Nonaccrual	1,923	6,707
Agricultural [Member]
Loans	46,567	53,735	50,935
Nonaccrual	348	348
Agricultural [Member] | Pass [Member]
Loans	43,040	50,185
Agricultural [Member] | Special Mention [Member]
Loans	360	3,202
Agricultural [Member] | Substandard [Member]
Loans	3,167	348
Agricultural [Member] | Doubtful [Member]
Loans	0	0
Consumer Portfolio Segment [Member]
Loans	33,370	34,014	33,769
Nonaccrual	0	8
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans	33,370	34,006
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	0	0
Commercial and Industrial [Member]
Loans	265,032	303,527	242,012
Nonaccrual	338	1,802
Commercial and Industrial [Member] | Pass [Member]
Loans	260,047	294,614
Commercial and Industrial [Member] | Special Mention [Member]
Loans	3,086	4,101
Commercial and Industrial [Member] | Substandard [Member]
Loans	1,702	4,812
Commercial and Industrial [Member] | Doubtful [Member]
Loans	197	0
Construction Real Estate [Member]
Loans	15,440	16,639	15,576
Nonaccrual	0	80
Construction Real Estate [Member] | Performing Financial Instruments [Member]
Loans	15,440	16,559
Construction Real Estate [Member] | Nonperforming Financial Instruments [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans	473,987	469,247	363,063
Nonaccrual	184	3,088
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loans	464,426	453,080
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans	2,504	6,006
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans	7,057	8,925
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]
Loans	0	1,236
Residential Portfolio Segment [Member]
Loans	170,191	192,506	$ 202,638
Nonaccrual	1,053	1,381
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans	169,138	191,125
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	$ 0	$ 0

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Loan Losses - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)
Number of loans	0	3	8	3
Pre- Modification Outstanding	$ 0	$ 1,950	$ 3,530	$ 1,950
Post- Modification Outstanding	$ 0	$ 1,950	$ 3,530	$ 1,950
Financial Asset, 30 Days Past Due or More [Member]
Number of loans	2	3	2	3
Recorded investment	$ 236	$ 1,950	$ 236	$ 1,950
Agricultural [Member]
Number of loans	0	1	6	1
Pre- Modification Outstanding	$ 0	$ 68	$ 2,320	$ 68
Post- Modification Outstanding	$ 0	$ 68	$ 2,320	$ 68
Agricultural [Member] | Financial Asset, 30 Days Past Due or More [Member]
Number of loans		1		1
Recorded investment		$ 68		$ 68
Commercial and Industrial [Member] | Financial Asset, 30 Days Past Due or More [Member]
Number of loans	1		1
Recorded investment	$ 52		$ 52
Commercial Real Estate Portfolio Segment [Member]
Number of loans	0	2	2	2
Pre- Modification Outstanding	$ 0	$ 1,882	$ 1,210	$ 1,882
Post- Modification Outstanding	$ 0	$ 1,882	$ 1,210	$ 1,882
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 Days Past Due or More [Member]
Number of loans	1	2	1	2
Recorded investment	$ 184	$ 1,882	$ 184	$ 1,882

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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Recorded Investment with no related allowance recorded	$ 2,878		$ 2,878		$ 3,958
Unpaid Principal Balance with no related allowance recorded	2,889		2,889		4,969
Recorded Investment with an allowance recorded	3,946		3,946		3,893
Unpaid Principal Balance with an allowance recorded	4,205		4,205		3,986
Related Allowance	362		362		431
Recorded Investment	6,824		6,824		7,851
Unpaid Principal Balance	7,094		7,094		8,955
Average Recorded Investment with no related allowance recorded	3,814	$ 1,309	3,742	$ 1,782
Interest Income Recognized with no related allowance recorded	37	0	84	0
Average Recorded Investment with an allowance recorded	4,541	4,027	4,864	3,749
Interest Income Recognized with an allowance recorded	34	27	75	64
Average Recorded Investment	8,355	5,336	8,606	5,531
Interest Income Recognized	71	27	159	64
Agricultural [Member]
Recorded Investment with no related allowance recorded	1,637		1,637		348
Unpaid Principal Balance with no related allowance recorded	1,637		1,637		434
Recorded Investment with an allowance recorded	1,530		1,530		0
Unpaid Principal Balance with an allowance recorded	1,615		1,615		0
Related Allowance	138		138		0
Recorded Investment	3,167		3,167		348
Unpaid Principal Balance	3,252		3,252		434
Average Recorded Investment with no related allowance recorded	778	190	993	308
Interest Income Recognized with no related allowance recorded	24	0	52	0
Average Recorded Investment with an allowance recorded	1,451	190	2,177	253
Interest Income Recognized with an allowance recorded	16	0	35	0
Average Recorded Investment	2,229	380	3,170	561
Interest Income Recognized	40	0	87	0
Commercial and Industrial [Member]
Recorded Investment with no related allowance recorded	0		0		1,516
Unpaid Principal Balance with no related allowance recorded	0		0		1,629
Recorded Investment with an allowance recorded	184		184		147
Unpaid Principal Balance with an allowance recorded	313		313		147
Related Allowance	20		20		19
Recorded Investment	184		184		1,663
Unpaid Principal Balance	313		313		1,776
Average Recorded Investment with no related allowance recorded	993	129	731	173
Interest Income Recognized with no related allowance recorded	0	0	0	0
Average Recorded Investment with an allowance recorded	165	167	174	116
Interest Income Recognized with an allowance recorded	0	0	1	0
Average Recorded Investment	1,158	296	905	289
Interest Income Recognized	0	0	1	0
Consumer Portfolio Segment [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		8
Unpaid Principal Balance with an allowance recorded	0		0		8
Related Allowance	0		0		1
Recorded Investment	0		0		9
Unpaid Principal Balance	0		0		8
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	3	19	0	19
Interest Income Recognized with an allowance recorded	0	0	0	0
Average Recorded Investment	3	19	0	19
Interest Income Recognized	0	0	0	0
Construction Real Estate [Member]
Recorded Investment with no related allowance recorded	0		0		80
Unpaid Principal Balance with no related allowance recorded	0		0		80
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		80
Unpaid Principal Balance	0		0		80
Average Recorded Investment with no related allowance recorded	27	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	27	0	0	0
Interest Income Recognized	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	772		772		1,852
Unpaid Principal Balance with no related allowance recorded	772		772		2,664
Recorded Investment with an allowance recorded	368		368		1,180
Unpaid Principal Balance with an allowance recorded	376		376		1,180
Related Allowance	56		56		157
Recorded Investment	1,140		1,140		3,031
Unpaid Principal Balance	1,148		1,148		3,844
Average Recorded Investment with no related allowance recorded	1,749	941	1,698	1,255
Interest Income Recognized with no related allowance recorded	13	0	32	0
Average Recorded Investment with an allowance recorded	642	1,312	372	1,005
Interest Income Recognized with an allowance recorded	3	5	6	12
Average Recorded Investment	2,391	2,253	2,070	2,260
Interest Income Recognized	16	5	38	12
Residential Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	469		469		162
Unpaid Principal Balance with no related allowance recorded	480		480		162
Recorded Investment with an allowance recorded	1,864		1,864		2,558
Unpaid Principal Balance with an allowance recorded	1,901		1,901		2,651
Related Allowance	148		148		254
Recorded Investment	2,333		2,333		2,720
Unpaid Principal Balance	2,381		2,381		$ 2,813
Average Recorded Investment with no related allowance recorded	267	49	320	46
Interest Income Recognized with no related allowance recorded	0	0	0	0
Average Recorded Investment with an allowance recorded	2,280	2,339	2,141	2,356
Interest Income Recognized with an allowance recorded	15	22	33	52
Average Recorded Investment	2,547	2,388	2,461	2,402
Interest Income Recognized	$ 15	$ 22	$ 33	$ 52

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		Jun. 30, 2021		Dec. 31, 2020	Jun. 30, 2020
Loans		$ 1,004,587		$ 1,069,668	$ 907,993
Loan 90 days and accruing		0		0
Agricultural [Member]
Loans		46,567		53,735	50,935
Loan 90 days and accruing		0		0
Commercial and Industrial [Member]
Loans		265,032		303,527	242,012
Loan 90 days and accruing		0		0
Consumer Portfolio Segment [Member]
Loans		33,370		34,014	33,769
Loan 90 days and accruing		0		0
Commercial Real Estate Portfolio Segment [Member]
Loans		473,987		469,247	363,063
Loan 90 days and accruing		0		0
Construction Real Estate [Member]
Loans		15,440		16,639	15,576
Loan 90 days and accruing		0		0
Residential Portfolio Segment [Member]
Loans		170,191		192,506	$ 202,638
Loan 90 days and accruing		0		0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans		818	[1]	3,210
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member]
Loans	[1]	0		0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Loans	[1]	281		0
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans	[1]	15		39
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans	[1]	425		532
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member]
Loans	[1]	0		1,076
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans	[1]	97		1,563
Financial Asset, 60 to 89 Days Past Due [Member]
Loans		139	[1]	589
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member]
Loans	[1]	0		0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Loans	[1]	21		109
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans	[1]	0		0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans	[1]	0		44
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member]
Loans	[1]	0		180
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans	[1]	118		256
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans		981	[1]	2,691
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member]
Loans	[1]	0		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member]
Loans	[1]	317		515
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans	[1]	0		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans	[1]	184		1,744
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Real Estate [Member]
Loans	[1]	0		80
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans	[1]	480		352
Financial Asset, Past Due [Member]
Loans		1,938	[1]	6,490
Financial Asset, Past Due [Member] | Agricultural [Member]
Loans	[1]	0		0
Financial Asset, Past Due [Member] | Commercial and Industrial [Member]
Loans	[1]	619		624
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member]
Loans	[1]	15		39
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans	[1]	609		2,320
Financial Asset, Past Due [Member] | Construction Real Estate [Member]
Loans	[1]	0		1,336
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member]
Loans	[1]	695		2,171
Financial Asset, Not Past Due [Member]
Loans		1,002,649		1,063,178
Financial Asset, Not Past Due [Member] | Agricultural [Member]
Loans		46,567		53,735
Financial Asset, Not Past Due [Member] | Commercial and Industrial [Member]
Loans		264,413		302,903
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Loans		33,355		33,975
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans		473,378		466,927
Financial Asset, Not Past Due [Member] | Construction Real Estate [Member]
Loans		15,440		15,303
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member]
Loans		$ 169,496		$ 190,335
[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	Jun. 30, 2021	Dec. 31, 2020
Nonaccrual loans	$ 1,923	$ 6,707
Agricultural [Member]
Nonaccrual loans	348	348
Commercial and Industrial [Member]
Nonaccrual loans	338	1,802
Consumer Portfolio Segment [Member]
Nonaccrual loans	0	8
Commercial Real Estate Portfolio Segment [Member]
Nonaccrual loans	184	3,088
Construction Real Estate [Member]
Nonaccrual loans	0	80
Residential Portfolio Segment [Member]
Nonaccrual loans	$ 1,053	$ 1,381

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	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020	Dec. 31, 2019	Jul. 01, 2020	Oct. 01, 2019
Community Shores Bank Corp ("Community Shores") [Member]
Loans acquired - contractual payments				$ 178,986
Nonaccretable difference				(2,719)
Expected cash flows				176,267
Accretable yield				(1,465)
Carrying balance at acquisition date				174,802
Balance	$ 1,298	$ 0
Merger		1,465
Accretion	(547)	(167)
Balance	751	1,298	$ 0
Merger		1,465
Community Shores Bank Corp ("Community Shores") [Member] | Acquired Impaired [Member]
Loans acquired - contractual payments				20,491
Nonaccretable difference				(2,719)
Expected cash flows				17,772
Accretable yield				(869)
Carrying balance at acquisition date				16,903
Balance	843	0
Merger		869
Accretion	(328)	(26)
Balance	515	843	0
Merger		869
Community Shores Bank Corp ("Community Shores") [Member] | Acquired Non-Impaired [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	455	0
Merger		596
Accretion	(219)	(141)
Balance	236	455	0
Merger		596
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	1,659	2,004	0
Merger			2,079
Accretion	(139)	(345)	(75)
Balance	1,520	1,659	2,004
Merger			2,079
County Bank Corp ("County") [Member] | Acquired Impaired [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	135	185	0
Merger			185
Accretion	(12)	(50)	0
Balance	123	135	185
Merger			185
County Bank Corp ("County") [Member] | Acquired Non-Impaired [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	1,524	1,819	0
Merger			1,894
Accretion	(127)	(295)	(75)
Balance	$ 1,397	$ 1,524	1,819
Merger			$ 1,894

Note 4 - Earnings Per Share (De

Note 4 - Earnings Per Share (Details Textual) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	15,000	0	12,000	0
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	18,985	0	0	0

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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Net income	$ 5,043	$ 4,430	$ 11,281	$ 7,684
Weighted average common shares outstanding (in shares)	7,769,485	7,254,591	7,785,098	7,251,205
Basic earnings per share (Note 4) (in dollars per share)	$ 0.65	$ 0.61	$ 1.45	$ 1.06
Net income	$ 5,043	$ 4,430	$ 11,281	$ 7,684
Plus dilutive stock options and restricted stock units (in shares)	9,600	6,198	10,577	6,851
Weighted average common shares outstanding and potentially dilutive shares (in shares)	7,779,085	7,260,789	7,795,675	7,258,056
Diluted earnings per share (Note 4) (in dollars per share)	$ 0.65	$ 0.61	$ 1.45	$ 1.06

Note 5 - Financial Instrument_2

Note 5 - Financial Instruments - Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Equity securities at fair value (Note 2)	$ 8,405		$ 2,896
Securities available for sale (Note 2)	855,555		574,787
Deposits – noninterest-bearing	527,964		477,654
Deposits – interest-bearing	1,352,771		1,196,924
Loans to other financial institutions	0		35,209
Fair Value, Inputs, Level 1 [Member]
Securities available for sale (Note 2)	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale (Note 2)	842,430
Fair Value, Inputs, Level 3 [Member]
Securities available for sale (Note 2)	13,125
Reported Value Measurement [Member]
Cash and cash equivalents	95,318		79,519
Equity securities at fair value (Note 2)	8,405		2,896
Securities available for sale (Note 2)	855,555		574,787
Federal Home Loan Bank and Federal Reserve Bank stock	8,004		8,004
Loans held for sale	12,884		12,921
Loans, net	996,637		1,062,075
Accrued interest receivable	7,544		6,521
Interest rate lock commitments	407		842
Deposits – noninterest-bearing	527,964		477,654
Deposits – interest-bearing	1,352,771		1,196,924
Borrowings	2,642
Subordinated debentures	3,140		3,089
Accrued interest payable	96		183
Loans to other financial institutions		$ 35,209
Borrowings			9,327
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	95,318		79,519
Equity securities at fair value (Note 2)	8,405		2,896
Securities available for sale (Note 2)	855,555		574,787
Federal Home Loan Bank and Federal Reserve Bank stock	8,004		8,004
Loans held for sale	13,270		13,350
Loans, net	990,778		1,057,786
Accrued interest receivable	7,544		6,521
Interest rate lock commitments	407		842
Deposits – noninterest-bearing	527,964		477,654
Deposits – interest-bearing	1,353,345		1,197,964
Borrowings	2,504
Subordinated debentures	2,977		3,089
Accrued interest payable	96		183
Loans to other financial institutions		35,209
Borrowings			9,143
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	95,318		79,519
Equity securities at fair value (Note 2)	6,739		1,411
Securities available for sale (Note 2)	0		0
Federal Home Loan Bank and Federal Reserve Bank stock	0		0
Loans held for sale	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
Subordinated debentures	0		0
Accrued interest payable	0		0
Loans to other financial institutions		0
Borrowings			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)	842,430		563,364
Federal Home Loan Bank and Federal Reserve Bank stock	8,004		8,004
Loans held for sale	13,270		13,350
Loans, net	0		0
Accrued interest receivable	7,544		6,521
Interest rate lock commitments	407		842
Deposits – noninterest-bearing	527,964		477,654
Deposits – interest-bearing	1,353,345		1,197,964
Borrowings	2,504
Subordinated debentures	2,977		3,089
Accrued interest payable	96		183
Loans to other financial institutions		35,209
Borrowings			9,143
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)	1,666		1,485
Securities available for sale (Note 2)	13,125		11,423
Federal Home Loan Bank and Federal Reserve Bank stock	0		0
Loans held for sale	0		0
Loans, net	990,778		1,057,786
Accrued interest receivable	0		0
Interest rate lock commitments	0		0
Deposits – noninterest-bearing	0		0
Deposits – interest-bearing	0		0
Borrowings	0
Subordinated debentures	0		0
Accrued interest payable	$ 0		0
Loans to other financial institutions		$ 0
Borrowings			$ 0

Note 6 - Fair Value Measureme_3

Note 6 - Fair Value Measurements (Details Textual)	Jun. 30, 2021USD ($)
Fair Value, Inputs, Level 3 [Member]
AOCI, Debt Securities, Available-for-sale, Adjustment, after Tax, Total	$ 643,000

Note 6 - Fair Value Measureme_4

Note 6 - Fair Value Measurements - Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Equity securities at fair value (Note 2)	$ 8,405	$ 2,896
Securities available for sale (Note 2)	855,555	574,787
Equity Securities [Member]
Equity securities at fair value (Note 2)		2,896
US Treasury and Government [Member]
Securities available for sale (Note 2)	2,030	2,051
US Treasury Securities [Member]
Securities available for sale (Note 2)	37,361	2,056
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	487,441	320,368
Collateralized Mortgage Backed Securities [Member]
Equity securities at fair value (Note 2)	8,405
Securities available for sale (Note 2)	318,313	246,723
Corporate Debt Securities [Member]
Securities available for sale (Note 2)	8,342	3,589
Asset-backed Securities [Member]
Securities available for sale (Note 2)	2,068	0
Fair Value, Recurring [Member]
Securities available for sale (Note 2)		574,787
Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	8,405	2,896
Fair Value, Recurring [Member] | US Treasury and Government [Member]
Securities available for sale (Note 2)	2,030	2,051
Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities available for sale (Note 2)	37,361	2,056
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	487,441	320,368
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Securities available for sale (Note 2)	318,313	246,723
Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Securities available for sale (Note 2)	8,342	3,589
Fair Value, Recurring [Member] | Asset-backed Securities [Member]
Securities available for sale (Note 2)	2,068
Fair Value, Inputs, Level 1 [Member]
Securities available for sale (Note 2)	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]
Securities available for sale (Note 2)		0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	6,739	1,411
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] | Asset-backed Securities [Member]
Securities available for sale (Note 2)	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale (Note 2)	842,430
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]
Securities available for sale (Note 2)		563,364
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)	2,030	2,051
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities available for sale (Note 2)	37,361	2,056
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (Note 2)	475,316	309,945
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Securities available for sale (Note 2)	318,313	246,723
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Securities available for sale (Note 2)	7,342	2,589
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Asset-backed Securities [Member]
Securities available for sale (Note 2)	2,068
Fair Value, Inputs, Level 3 [Member]
Securities available for sale (Note 2)	13,125
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]
Securities available for sale (Note 2)		11,423
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Equity Securities [Member]
Equity securities at fair value (Note 2)	1,666	1,485
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)	12,125	10,423
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)	1,000	$ 1,000
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Asset-backed Securities [Member]
Securities available for sale (Note 2)	$ 0

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	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Equity Securities [Member]
Balance	$ 1,485	$ 1,472
Total realized and unrealized gains included in income	(39)	8
Net purchases, sales, calls, and maturities	220	0
Net transfers into Level 3	0	0
Balance	1,666	1,480
Available-for-sale Securities [Member]
Balance	11,423	12,367
Net purchases, sales, calls, and maturities	1,966	(666)
Net transfers into Level 3	0	0
Total unrealized gains included in other comprehensive income	(264)	444
Balance	$ 13,125	$ 12,145

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	Jun. 30, 2021	Dec. 31, 2020
Impaired Loans	$ 6,824	$ 7,851
Other Real Estate	260	266
Mortgage Loan Servicing Rights	4,461	3,967
Fair Value, Inputs, Level 1 [Member]
Impaired Loans	0	0
Other Real Estate	0	0
Mortgage Loan Servicing Rights	0	0
Fair Value, Inputs, Level 2 [Member]
Impaired Loans	0	0
Other Real Estate	0	0
Mortgage Loan Servicing Rights	0	0
Fair Value, Inputs, Level 3 [Member]
Impaired Loans	6,824	7,851
Other Real Estate	260	266
Mortgage Loan Servicing Rights	$ 4,461	$ 3,967

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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Noninterest income from contracts with customers within the scope of ASC 606	$ 2,723	$ 1,841	$ 5,254	$ 4,129
Noninterest income within the scope of other GAAP topics	2,009	4,910	5,078	6,554
Total noninterest income	4,732	6,751	10,332	10,683
Service Charges and Fees on Deposit Accounts [Member]
Noninterest income from contracts with customers within the scope of ASC 606	822	647	1,608	1,656
Interchange Income [Member]
Noninterest income from contracts with customers within the scope of ASC 606	1,311	755	2,446	1,591
Investment Commission Income [Member]
Noninterest income from contracts with customers within the scope of ASC 606	198	154	471	279
Trust Fee Income [Member]
Noninterest income from contracts with customers within the scope of ASC 606	252	201	425	372
Other Charges and Fees for Customer Services [Member]
Noninterest income from contracts with customers within the scope of ASC 606	$ 139	$ 84	$ 305	$ 231

Note 8 - Business Combination_2

Note 8 - Business Combination (Details Textual)	Jul. 01, 2020USD ($)shares	Oct. 01, 2019USD ($)shares
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	$ 244,535,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Total Loans	174,800,000
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	Jun. 30, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill, Ending Balance			$ 59,946	$ 60,506
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	174,802
Premises and equipment	6,204
Other real estate owned	346
Deposit based intangible	760
Other assets	1,077
Total assets	244,535
Non-interest bearing deposits	65,499
Interest bearing deposits	162,333
Total deposits	227,832
Subordinated debentures	3,039
Other liabilities	136
Total liabilities	231,007
Net assets acquired	13,528
Goodwill, Ending Balance	7,353			$ 7,300
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, Ending Balance		38,866			$ 38,900
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