Evans Bancorp (EVBN) 10-Q 1 Nov 21 2021 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Nov. 01, 2021
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Fiscal Period Focus	Q3
Document Period End Date	Sep. 30, 2021
Document Transition Report	false
Entity File Number	001-35021
Entity Registrant Name	EVANS BANCORP, INC.
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	16-1332767
Entity Address, Address Line One	6460 Main St.
Entity Address, City or Town	Williamsville
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14221
City Area Code	716
Local Phone Number	926-2000
Title of 12(b) Security	Common Stock, $0.50 par value
Trading Symbol	EVBN
Security Exchange Name	NYSEAMER
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,466,823
Amendment Flag	false
Entity Central Index Key	0000842518
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 12,492	$ 13,702
Interest-bearing deposits at banks	179,231	83,902
Securities:
Available for sale, at fair value (amortized cost: $255,244 at September 30, 2021; $159,157 at December 31, 2020)	253,488	162,396
Held to maturity, at amortized cost (fair value: $4,755 at September 30, 2021; $4,271 at December 31, 2020)	4,733	4,204
Federal Home Loan Bank common stock, at cost	3,262	3,470
Federal Reserve Bank common stock, at cost	3,039	2,323
Loans, net of allowance for loan losses of $18,051 at September 30, 2021 and $20,415 at December 31, 2020	1,596,111	1,673,379
Properties and equipment, net of accumulated depreciation of $21,335 at September 30, 2021 and $19,963 at December 31, 2020	18,833	19,305
Goodwill	12,713	12,713
Intangible assets	1,833	2,238
Bank-owned life insurance	34,482	33,989
Operating lease right-of-use asset	5,056	5,282
Other assets	26,785	27,212
TOTAL ASSETS	2,152,058	2,044,115
Deposits:
Demand	502,689	436,157
NOW	253,124	230,751
Savings	942,147	825,947
Time	178,083	278,554
Total deposits	1,876,043	1,771,409
Securities sold under agreement to repurchase	4,016	4,093
Other borrowings	36,599	44,698
Operating lease liability	5,449	5,694
Other liabilities	20,168	18,444
Subordinated debt	30,949	30,872
Total liabilities	1,973,224	1,875,210
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,463,141 and 5,411,384 shares issued at September 30, 2021 and December 31, 2020, respectively, and 5,463,141 and 5,411,384 outstanding at September 30, 2021 and December 31, 2020, respectively	2,734	2,708
Capital surplus	78,156	76,394
Retained earnings	102,134	90,522
Accumulated other comprehensive income (loss), net of tax	(4,190)	(719)
Total stockholders' equity	178,834	168,905
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,152,058	$ 2,044,115

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Securities:
Available for sale, amortized cost	$ 255,244	$ 159,157
Held to maturity, fair value	4,755	4,271
Loans, allowance for loan losses	18,051	20,415
Properties and equipment, accumulated depreciation	$ 21,335	$ 19,963
STOCKHOLDERS' EQUITY:
Common stock, par value	$ 0.50	$ 0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	5,463,141	5,411,384
Common stock, shares outstanding	5,463,141	5,411,384

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
INTEREST INCOME
Loans	$ 18,096	$ 16,847	$ 53,675	$ 47,497
Interest-bearing deposits at banks	64	26	99	223
Securities:
Taxable	1,087	825	2,907	2,758
Non-taxable	55	68	167	180
Total interest income	19,302	17,766	56,848	50,658
INTEREST EXPENSE
Deposits	650	1,641	2,272	6,471
Other borrowings	84	108	258	232
Subordinated debt	405	375	1,208	604
Total interest expense	1,139	2,124	3,738	7,307
NET INTEREST INCOME	18,163	15,642	53,110	43,351
PROVISION (CREDIT) FOR LOAN LOSSES	(1,459)	1,881	(1,906)	5,477
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	19,622	13,761	55,016	37,874
NON-INTEREST INCOME
Deposit service charges	664	598	1,843	1,623
Insurance service and fees	3,191	3,217	8,350	8,309
Gain on sale of securities		667		667
Gain on loans sold		169		359
Bank-owned life insurance	158	170	493	508
Loss on tax credit investment				(2,475)
Refundable state historic tax credit				1,857
Interchange fee income	548	481	1,585	1,270
Other	596	555	1,870	1,316
Total non-interest income	5,157	5,857	14,141	13,434
NON-INTEREST EXPENSE
Salaries and employee benefits	9,930	8,101	28,339	23,903
Occupancy	1,126	1,204	3,490	3,127
Advertising and public relations	434	503	1,102	895
Professional services	840	865	2,788	2,651
Technology and communications	1,327	1,365	4,023	3,928
Amortization of intangibles	135	136	405	400
FDIC insurance	285	290	864	751
Merger-related		524		5,958
Other	1,316	1,480	3,923	3,737
Total non-interest expense	15,393	14,468	44,934	45,350
INCOME BEFORE INCOME TAXES	9,386	5,150	24,223	5,958
INCOME TAX PROVISION	2,407	606	6,079	741
NET INCOME	$ 6,979	$ 4,544	$ 18,144	$ 5,217
Net income per common share-basic	$ 1.28	$ 0.85	$ 3.34	$ 1.01
Net income per common share-diluted	$ 1.27	$ 0.84	$ 3.30	$ 1
Weighted average number of common shares outstanding	5,459,076	5,376,851	5,438,708	5,179,386
Weighted average number of diluted shares outstanding	5,516,781	5,395,806	5,490,836	5,214,950

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Consolidated Statements Of Comprehensive Income [Abstract]
NET INCOME	$ 6,979	$ 4,544	$ 18,144	$ 5,217
Unrealized (loss) gain on available-for-sale securities
Unrealized (loss) gain on available-for-sale securities	(1,530)	(339)	(3,697)	2,684
Reclassification of gain on sale of securities		(494)		(494)
Total	(1,530)	(833)	(3,697)	2,190
Defined benefit pension plans:
Amortization of prior service cost	5	6	16	17
Amortization of actuarial loss	70	84	210	250
Total	75	90	226	267
OTHER COMPREHENSIVE (LOSS) INCOME, NET OF TAX	(1,455)	(743)	(3,471)	2,457
COMPREHENSIVE INCOME	$ 5,524	$ 3,801	$ 14,673	$ 7,674

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders’ Equity - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Balance at Dec. 31, 2019	$ 2,467	$ 63,302	$ 85,267	$ (2,583)	$ 148,453
Net income			5,217		5,217
Other comprehensive income				2,457	2,457
Cash dividends			(5,985)		(5,985)
Stock compensation expense		668			668
Issued restricted shares, net of forfeitures	3	(3)
Issued shares in Employee Stock Purchase Plan	5	206			211
Issued shares in stock option exercises	4	130			134
Issued shares in stock consideration	212	11,521			11,733
Balance at Sep. 30, 2020	2,691	75,824	84,499	(126)	162,888
Balance at Jun. 30, 2020	2,691	75,617	83,073	617	161,998
Net income			4,544		4,544
Other comprehensive income				(743)	(743)
Cash dividends			(3,118)		(3,118)
Stock compensation expense		207			207
Balance at Sep. 30, 2020	2,691	75,824	84,499	(126)	162,888
Balance at Dec. 31, 2020	2,708	76,394	90,522	(719)	168,905
Net income			18,144		18,144
Other comprehensive income				(3,471)	(3,471)
Cash dividends			(6,532)		(6,532)
Stock compensation expense		634			634
Issued restricted shares, net of forfeitures	4	(4)
Issued shares under Dividend Reinvestment Plan	3	152			155
Issued shares in Employee Stock Purchase Plan	3	200			203
Issued shares in stock option exercises	9	187			196
Issued shares for earnout	7	593			600
Balance at Sep. 30, 2021	2,734	78,156	102,134	(4,190)	178,834
Balance at Jun. 30, 2021	2,724	77,270	98,430	(2,735)	175,689
Net income			6,979		6,979
Other comprehensive income				(1,455)	(1,455)
Cash dividends			(3,275)		(3,275)
Stock compensation expense		200			200
Issued shares in stock option exercises	3	93			96
Issued shares for earnout	7	593			600
Balance at Sep. 30, 2021	$ 2,734	$ 78,156	$ 102,134	$ (4,190)	$ 178,834

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 0.60	$ 0.58	$ 1.20	$ 1.16
Reissued restricted shares				310
Issued restricted shares, net of forfeitures			7,971	5,988
Issued shares under Dividend Reinvestment Plan			4,611
Issued shares in Employee Stock Purchase Plan			6,443	10,669
Issued shares in stock option exercises	6,633		19,715	8,017
Issued shares in stock consideration				422,475
Issued shares for earnout	13,017		13,017

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
OPERATING ACTIVITIES:
Interest received	$ 53,464	$ 47,190
Fees received	13,271	12,462
Interest paid	(4,674)	(7,447)
Cash paid to employees and vendors	(43,964)	(41,580)
Income taxes paid	(5,086)	(1,957)
Proceeds from sale of loans held for sale		9,895
Originations of loans held for sale	(262)	(9,184)
Net cash provided by operating activities	12,749	9,379
INVESTING ACTIVITIES:
Available for sales securities: Purchases	(124,683)	(76,311)
Available for sales securities: Proceeds from sales, maturities, calls, and payments	27,680	73,291
Held to maturity securities: Purchases	(3,562)	(5,082)
Held to maturity securities: Proceeds from maturities, calls, and payments	3,034	2,471
Additions to properties and equipment	(901)	(3,874)
Purchase of tax credit investment		(3,116)
Net cash used in acquisitions		(6,490)
Sale of other real estate	129	718
Net decrease (increase) in loans	85,896	(204,679)
Cash paid for earnout	(900)
Net cash used in investing activities	(13,307)	(223,072)
FINANCING ACTIVITIES:
Proceeds (repayments) from long-term borrowings, net	(6,891)	20,274
Repayment of short-term borrowings, net	(769)	(13,646)
Net increase in deposits	105,040	274,365
Dividends paid	(3,257)	(2,867)
Issuance of common stock	554	345
Net cash provided by financing activities	94,677	278,471
Net increase in cash and cash equivalents	94,119	64,778
CASH AND CASH EQUIVALENTS:
Beginning of period	97,604	38,857
End of period	191,723	103,635
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	18,144	5,217
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,481	2,107
Deferred tax expense (benefit)	970	(2,720)
Provision (credit) for loan losses	(1,906)	5,477
Loss on tax credit investment		2,475
Changes in refundable state historic tax credit		(1,857)
Loss (Gain) on sales of assets	22	(90)
Gain on sales of securities		(667)
Gain on loans sold		(359)
Stock compensation expense	634	668
Proceeds from sale of loans held for sale		9,895
Originations of loans held for sale	(262)	(9,184)
Changes in assets and liabilities affecting cash flow:
Other assets	(6,724)	(4,647)
Other liabilities	390	3,064
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 12,749	9,379
SUPPLEMENTAL DISCLOSURE OF NON-CASH INVESTMENTS AND FINANCIAL ACTIVITIES:
Fair value of assets acquired in acquisition (non-cash)		311,847
Fair value of liabilities assumed in acquisition		$ 296,076

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2021
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), and Evans National Holding Corp. (“ENHC”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiaries, Frontier Claims Services, Inc. (“FCS”) and ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates. Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.” The Financial Accounting Standards Board (“FASB”) establishes changes to GAAP in the form of accounting standards updates (“ASUs”) to the FASB Accounting Standards Codification. The Company considers the applicability and impact of all ASUs when they are issued by FASB. ASUs adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The results of operations for the nine month period ended September 30, 2021 are not necessarily indicative of the results to be expected for the full year. The accompanying unaudited consolidated financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2020 (the “10-K”). There have been no significant changes to the Company’s significant accounting policies as disclosed in Note 1 to the 10-K. COVID-19 – Risks & Uncertainties The Company’s operations and financial results have been significantly impacted by the COVID-19 pandemic. The spread of COVID-19 has caused significant economic disruption throughout the United States as state and local governments issued stay at home orders and temporarily closed non-essential businesses. The full financial impact from the pandemic is unknown at this time, however prolonged disruption may adversely impact several industries within the Company's geographic footprint and impair the ability of the Company’s customers to fulfill their contractual obligations to the Company. This could cause the Company to experience a material adverse effect on business operations, asset valuations, financial condition and results of operations. Material adverse impacts may include all or a combination of valuation impairments on the Company’s intangible assets, investments, loans and mortgage servicing rights.

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2021
Acquisitions [Abstract]
Acquisitions	2. ACQUISITIONS On May 1, 2020, the Company completed the acquisition of FSB Bancorp, Inc., a Maryland corporation and the parent holding company of Fairport Savings Bank (“FSB”). On that date, FSB was merged into Evans Bank, a wholly owned banking subsidiary of the Company. At the time of closing, FSB had $ 321.7 million in total assets, including $ 272.1 million in net loans receivable and $ 21.4 million in securities, and $ 293.1 million in total liabilities, including $ 237.7 million in deposits and $ 50.6 million in borrowings. FSB operated 5 banking offices in New York at the date of acquisition. After application of the election, allocation and proration procedures contained in the merger agreement, the Company paid $ 17.1 million in cash and issued 422,475 shares of Evans Bancorp, Inc. common stock in exchange for all of the shares of common stock of FSB Bancorp, Inc. outstanding at the time of the acquisition. The $ 11.7 million fair value of the shares issued as part of the consideration paid for FSB was determined on the basis of the closing market price of the Company’s shares on April 30, 2020. The assets acquired and liabilities assumed have been accounted for under the acquisition method of accounting. Management engaged a third-party specialist to develop the fair value estimate of certain FSB’s assets and liabilities as of the acquisition date. The assets and liabilities, both tangible and intangible were recorded at their fair values as of May 1, 2020. The application of the acquisition method of accounting resulted in the recognition of goodwill of $ 1.8 million and a core deposit intangible of $ 0.2 million. Goodwill arising from the acquisition consisted largely of synergies and the cost savings resulting from the combining of the operations of the companies and is not tax deductible. The Company recorded the assets acquired and liabilities assumed through the merger at fair value as summarized in the following table: As Recorded Fair Value As Recorded by FSB Adjustments at Acquisition (in thousands) Cash and due from banks $ 1,978 $ - $ 1,978 Interest-bearing deposit at banks 9,339 - 9,339 Securities 21,371 106 (a) 21,477 FHLB Stock 2,614 - 2,614 Loans receivable 273,869 ( 2,484 ) (b) 271,385 Allowance for loan losses ( 1,706 ) 1,706 (c) - Premises and equipment 2,303 ( 56 ) (d) 2,247 Intangible assets - 166 (e) 166 Bank owned life insurance 3,891 - 3,891 Operating lease right-of-use asset 2,020 374 (f) 2,394 Other assets 6,033 1,640 (g) 7,673 Total assets acquired $ 321,712 $ 1,452 $ 323,164 Deposits 237,688 1,485 (h) 239,173 Other borrowed funds 50,597 1,929 (i) 52,526 Operating lease liability 2,217 176 (j) 2,393 Other liabilities 2,557 ( 573 ) (k) 1,984 Total liabilities assumed $ 293,059 $ 3,017 $ 296,076 Net assets acquired 27,088 Purchase price 28,856 Goodwill recorded in merger $ 1,768 Explanation of certain fair value related adjustments: (a) Represents the fair value adjustments on investment securities. (b) Represents the fair value adjustments on the net book value of loans, which includes an interest rate mark and credit mark adjustment and the write-off of deferred fees/costs and premiums. (c) Represents the elimination of FSB’s allowance for loan losses. (d) Represents the fair value adjustments to reflect the fair value of land and buildings and premises and equipment, which will be amortized on a straight-line basis over the estimated useful lives of the individual assets. (e) Represents the intangible assets recorded to reflect the fair value of core deposits. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the estimated average life of the deposit base. (f) Represents the fair value adjustments on operating lease right of use assets. (g) Represents an adjustment to other assets acquired. The largest adjustment was to net deferred tax assets resulting from the fair value adjustments related to the acquired assets, liabilities assumed and identifiable intangible assets recorded. (h) Represents fair value adjustments on time deposits, which will be treated as a reduction of interest expense over the remaining term of the time deposits. (i) Represents the fair value adjustments on FHLB borrowings, which will be treated as a decrease to interest expense over the life of the borrowings. (j) Represents the fair value adjustments on operating lease liabilities. (k) Represents an adjustment to other liabilities assumed. The fair value of loans acquired from FSB were estimated using cash flow projections based on the remaining maturity and repricing terms. Cash flows were adjusted by estimating future credit losses and the rate of prepayments. Projected monthly cash flows were then discounted to present value using a risk-adjusted market rate for similar loans. There was no carryover of FSB’s allowance for loan losses associated with the loans that were acquired, as the loans were initially recorded at fair value on the date of the FSB merger. The core deposit intangible asset recognized is being amortized over its estimated useful life of approximately 10 years and the amortization is based on dollar weighted deposit runoff on an annualized basis. Goodwill is not amortized for book purposes; however, it is reviewed at least annually for impairment and is not deductible for tax purposes. The fair value of land and buildings was estimated using appraisals. Acquired equipment was not material. Buildings are amortized over their estimated useful lives of approximately 39 years. Improvements and equipment are amortized or depreciated over their estimated useful lives ranging up to 10 years. The fair value of retail demand and interest bearing deposit accounts was assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand. The fair value of time deposits was estimated by discounting the contractual future cash flows using market rates offered for time deposits of similar remaining maturities. Other borrowed funds include borrowings from the Federal Home Loan Bank (“FHLB”). The fair value of these borrowings was estimated by discounting the contractual future cash flows using FHLB rates offered of similar maturities. Direct acquisition and other charges incurred in connection with the FSB merger were expensed as incurred and totaled $ 6.0 million for the nine months ended September 30, 2020. These expenses were recorded in merger-related expense on the consolidated statements of income. There were no merger-related expenses during the nine months ended September 30, 2021. The following table presents selected unaudited pro forma financial information reflecting the FSB merger assuming it was completed as of January 1, 2020. The unaudited pro forma financial information is presented for illustrative purposes only and is not necessarily indicative of the financial results of the combined companies had the FSB merger actually been completed at the beginning of the periods presented, nor does it indicate future results for any other interim or full year period. The unaudited pro forma information is based on the actual financial statements of the Company for the periods presented, and on the actual financial statements of FSB for the three and nine months ended September 30, 2020. Three months ended Nine months ended September 30, 2020 September 30, 2020 (in thousands) Net interest income after provision $ 13,250 $ 40,014 Non-interest income 5,857 14,023 Non-interest expense 13,944 42,905 Net income 4,554 9,046 The unaudited supplemental pro forma information for the three and nine months ended September 30, 2020 set forth above reflects adjustments related to (a) purchase accounting fair value adjustments; (b) amortization of core deposit; and (c) adjustments to interest income and expense due to amortization of premiums and accretion of discounts. Direct merger-related expenses incurred in the three and nine months ended September 30, 2020 are assumed to have occurred prior to January 1, 2020. Furthermore, the unaudited supplemental pro forma information does not reflect management’s estimate of any revenue enhancement opportunities or anticipated potential cost savings.

Securities

Securities	9 Months Ended
	Sep. 30, 2021
Securities [Abstract]
Securities	3. SECURITIES The amortized cost of securities and their approximate fair value at September 30, 2021 and December 31, 2020 were as follows: September 30, 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 87,010 $ 404 $ ( 1,833 ) $ 85,581 States and political subdivisions 6,367 110 ( 5 ) 6,472 Total debt securities 93,377 514 ( 1,838 ) 92,053 Mortgage-backed securities: FNMA 58,943 449 ( 778 ) 58,614 FHLMC 23,577 93 ( 305 ) 23,365 GNMA 21,093 23 ( 340 ) 20,776 SBA 18,694 582 ( 39 ) 19,237 CMO 39,560 397 ( 514 ) 39,443 Total mortgage-backed securities 161,867 1,544 ( 1,976 ) 161,435 Total securities designated as available for sale $ 255,244 $ 2,058 $ ( 3,814 ) $ 253,488 Held to Maturity: Debt securities States and political subdivisions $ 4,733 $ 22 $ - $ 4,755 Total securities designated as held to maturity $ 4,733 $ 22 $ - $ 4,755 December 31, 2020 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 67,619 $ 731 $ ( 252 ) $ 68,098 States and political subdivisions 7,362 169 ( 7 ) 7,524 Total debt securities 74,981 900 ( 259 ) 75,622 Mortgage-backed securities: FNMA 24,265 654 ( 50 ) 24,869 FHLMC 3,739 111 ( 1 ) 3,849 GNMA 2,006 58 ( 1 ) 2,063 SBA 20,949 914 ( 33 ) 21,830 CMO 33,217 946 - 34,163 Total mortgage-backed securities 84,176 2,683 ( 85 ) 86,774 Total securities designated as available for sale $ 159,157 $ 3,583 $ ( 344 ) $ 162,396 Held to Maturity: Debt securities States and political subdivisions $ 4,204 $ 67 $ - $ 4,271 Total securities designated as held to maturity $ 4,204 $ 67 $ - $ 4,271 Available for sale securities with a total fair value of $ 216 million and $ 135 million at September 30, 2021 and December 31, 2020, respectively, were pledged as collateral to secure public deposits and for other purposes required or permitted by law. The scheduled maturities of debt and mortgage-backed securities at September 30, 2021 are summarized below. All maturity amounts are contractual maturities. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations with or without call premiums. September 30, 2021 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 972 $ 977 Due after one year through five years 11,793 12,121 Due after five years through ten years 42,519 42,409 Due after ten years 38,093 36,546 93,377 92,053 Mortgage-backed securities available for sale 161,867 161,435 Total $ 255,244 $ 253,488 Debt securities held to maturity: Due in one year or less $ 3,883 $ 3,884 Due after one year through five years 442 457 Due after five years through ten years 339 340 Due after ten years 69 74 Total $ 4,733 $ 4,755 Contractual maturities of the Company’s mortgage-backed securities generally exceed ten years ; however, the effective lives may be significantly shorter due to prepayments of the underlying loans and due to the nature of these securities. There were no gross realized gains or losses from sales of investment securities for the three and nine month periods ended September 30, 2021. During the three months ended September 30, 2020, the Company received $ 23.3 million from the sale of investment securities. Gross realized gains from sales of investment securities for the three month and nine month periods ended September 30, 2020 were $ 0.7 million. Information regarding unrealized losses within the Company’s available for sale securities at September 30, 2021 and December 31, 2020 is summarized below. The securities are primarily U.S. government-guaranteed agency securities or municipal securities. September 30, 2021 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 35,432 $ ( 689 ) $ 23,845 $ ( 1,144 ) $ 59,277 $ ( 1,833 ) States and political subdivisions - - 202 ( 5 ) 202 ( 5 ) Total debt securities 35,432 ( 689 ) 24,047 ( 1,149 ) 59,479 ( 1,838 ) Mortgage-backed securities: FNMA 40,345 ( 777 ) 171 ( 1 ) 40,516 ( 778 ) FHLMC 17,490 ( 305 ) 78 - 17,568 ( 305 ) GNMA 19,548 ( 339 ) 146 ( 1 ) 19,694 ( 340 ) SBA 2,841 ( 8 ) 1,347 ( 31 ) 4,188 ( 39 ) CMO 19,902 ( 514 ) - - 19,902 ( 514 ) Total mortgage-backed securities 100,126 ( 1,943 ) 1,742 ( 33 ) 101,868 ( 1,976 ) Held to Maturity: Debt securities: States and political subdivisions 335 - - - 335 - Total temporarily impaired securities $ 135,893 $ ( 2,632 ) $ 25,789 $ ( 1,182 ) $ 161,682 $ ( 3,814 ) December 31, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 33,801 $ ( 252 ) $ - $ - $ 33,801 $ ( 252 ) States and political subdivisions 207 ( 1 ) 180 ( 6 ) 387 ( 7 ) Total debt securities 34,008 ( 253 ) 180 ( 6 ) 34,188 ( 259 ) Mortgage-backed securities: FNMA 3,354 ( 39 ) 1,391 ( 11 ) 4,745 ( 50 ) FHLMC 182 ( 1 ) - - 182 ( 1 ) GNMA 154 ( 1 ) - - 154 ( 1 ) SBA - - 1,392 ( 33 ) 1,392 ( 33 ) CMO 121 - - - 121 - Total mortgage-backed securities 3,811 ( 41 ) 2,783 ( 44 ) 6,594 ( 85 ) Held to Maturity: Debt securities: States and political subdivisions - - - - - - Total temporarily impaired securities $ 37,819 $ ( 294 ) $ 2,963 $ ( 50 ) $ 40,782 $ ( 344 ) Management has assessed the securities available for sale in an unrealized loss position at September 30, 2021 and December 31, 2020 and determined the decline in fair value below amortized cost to be temporary. In making this determination, management considered the period of time the securities were in a loss position, the percentage decline in comparison to the securities’ amortized cost, and the financial condition of the issuer (primarily government or government-sponsored enterprises). In addition, management does not intend to sell these securities and it is not more likely than not that the Company will be required to sell these securities before recovery of their amortized cost. Management believes the decline in fair value is primarily related to market interest rate fluctuations and not to the credit deterioration of the individual issuers. The Company has no t recorded any other-than-temporary impairment (“OTTI”) charges during the three and nine months ended September 30, 2021 and did no t record any OTTI charges during 2020. The credit worthiness of the Company’s securities portfolio is largely reliant on the ability of U.S. government sponsored agencies such as Federal Home Loan Bank (“FHLB”), Federal National Mortgage Association (“FNMA”), Government National Mortgage Association (“GNMA”), and Federal Home Loan Mortgage Corporation (“FHLMC”), and municipalities throughout New York State to meet their obligations. In addition, dysfunctional markets could materially alter the liquidity, interest rate, and pricing risk of the portfolio. The stable past performance is not a guarantee for similar performance of the Company’s securities portfolio in future periods.

Loans And The Allowance For Loa

Loans And The Allowance For Loan Losses	9 Months Ended
	Sep. 30, 2021
Loans And The Allowance For Loan Losses [Abstract]
Loans And The Allowance For Loan Losses	4. LOANS AND THE ALLOWANCE FOR LOAN LOSSES Loan Portfolio Composition The following table presents selected information on the composition of the Company’s loan portfolio as of the dates indicated: September 30, 2021 December 31, 2020 Mortgage loans on real estate: (in thousands) Residential mortgages $ 403,413 $ 365,351 Commercial and multi-family 717,274 706,276 Construction-Residential 5,778 7,509 Construction-Commercial 125,572 106,559 Home equities 81,071 82,602 Total real estate loans 1,333,108 1,268,297 Commercial and industrial loans 284,894 430,350 Consumer and other loans 336 151 Unaccreted yield adjustments* ( 4,176 ) ( 5,004 ) Total gross loans 1,614,162 1,693,794 Allowance for loan losses ( 18,051 ) ( 20,415 ) Loans, net $ 1,596,111 $ 1,673,379 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated, including $ 3.2 million and $ 4.6 million of PPP fees at September 30, 2021 and December 31, 2020, respectively. On March 27, 2020 the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) established a loan program administered through the U.S. Small Business Administration (“SBA”), referred to as the Paycheck Protection Program (“PPP”). PPP loans are 100% guaranteed by the SBA and are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP. These loans carry a fixed rate of 1.00 % and a term of two years (loans made before June 5, 2020) or five years (loans made on or after June 5, 2020), if not forgiven, in whole or in part. Payments are deferred until either the date on which the SBA remits the amount of forgiveness proceeds to the lender or the date that is 10 months after the last day of the covered period if the borrower does not apply for forgiveness within that 10 month period. At September 30, 2021, the Company had originated PPP loans totaling $ 298 million, included in commercial and industrial loans. As of September 30, 2021, $ 222 million in PPP loans had received SBA forgiveness. PPP loans did not impact the Company’s allowance for loan losses as a result of the SBA guarantees. Fees collected from the SBA for these loans totaled $ 12.4 million as of September 30, 2021. These fees are deferred and amortized into interest income over the contractual period of the loan. Upon SBA forgiveness or sale of a PPP loan, unamortized fees are then recognized into interest income. In the three and nine month periods ended September 30, 2021 the total amount of PPP fees recognized into interest income was $ 2.1 million and $ 6.3 million, respectively. PPP fees recognized into interest income during the three and nine month periods ended September 30, 2020 were $ 0.9 million and $ 1.5 million, respectively. At September 30, 2021, the outstanding principal balance and the carrying amount of acquired credit-impaired loans totaled $ 0.8 million. At December 31, 2020, the outstanding principal balance and carrying amount of acquired credit-impaired loans totaled $ 0.9 million and $ 0.8 million, respectively. There was less than $ 0.1 million of valuation allowances for specifically identified impairment attributable to acquired credit-impaired loans at September 30, 2021. The Company is not recording interest on the acquired credit-impaired loans due to the uncertainty of the cash flows relating to such loans. At September 30, 2021, the Company’s FHLMC loan serving portfolio was $ 75 million in principal balances in which residential real estate loans were sold to FHLMC and the servicing rights are retained by the Company. No loans were sold to FHLMC by the Company during the three and nine month periods ending September 30, 2021 and 2020. The Company may also sell certain fixed rate residential mortgages to FNMA while maintaining the servicing rights for those mortgages. At September 30, 2021, the Company’s FNMA loan servicing portfolio was $ 64 million in principal balances. In the three and nine month periods ended September 30, 2021, the Company did no t sell mortgages to FNMA. In the three and nine month periods ended September 30, 2020, the Company sold mortgages to FNMA totaling $ 7.2 million and $ 15.0 million, respectively. At September 30, 2021 and December 31, 2020, the Company had loan servicing portfolio principal balances of $ 139 million and $ 171 million, respectively, upon which it earned servicing fees. The fair value of the mortgage servicing rights for that portfolio was $ 0.9 million at September 30, 2021 and December 31, 2020. At September 30, 2021 there were $ 0.3 million of residential mortgages held for sale. At December 31, 2020 there were $ 0.8 million in residential mortgages held for sale. There were $ 639 million and $ 630 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of September 30, 2021 and December 31, 2020, respectively. Disclosures related to the basis for accounting for loans, the method for recognizing interest income on loans, the policy for placing loans on nonaccrual status and the subsequent recording of payments and resuming accrual of interest, the policy for determining past due status, a description of the Company’s accounting policies and methodology used to estimate the allowance for loan losses, the policy for charging-off loans, the accounting policies for impaired loans, the accounting policy for loans acquired in a business combination, and more descriptive information on the Company’s credit risk ratings are all contained in the Notes to the Audited Consolidated Financial Statements in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. Credit Quality Indicators The Company monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for the commercial mortgage and commercial and industrial portfolios is the individual loan’s credit risk rating. The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan losses:  Acceptable or better  Watch  Special Mention  Substandard  Doubtful  Loss “Special mention” and “substandard” loans are weaker credits with a higher risk of loss and are categorized as “criticized” assets. The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Unlike commercial customers, consumer loan customers are not required to provide the Company with updated financial information. Consumer loans also carry smaller balances. Given the lack of updated information after the initial underwriting of the loan and small size of individual loans, the Company uses delinquency status as the primary credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. The Company continues to evaluate its loan portfolio in response to the economic impact of the COVID-19 pandemic on its clients. During 2020 the Company reclassified all commercial loans that received a deferral into the watch or criticized categories. The Company reassesses these classifications as the clients return to making payments as contracted. During the third quarter of 2020, the Company identified a well-defined weakness in the hotel industry and classified the loans to clients within that industry as substandard. As of September 30, 2021, the Company’s hotel loan portfolio totaled approximately $ 79 million, of which the Company upgraded $ 20 million out of the criticized loan category and $ 2.2 million was classified as nonaccrual during the third quarter of 2021. At September 30, 2021 hotel loans classified as substandard comprised approximately 5.2 % of total commercial loans. Total criticized assets were $ 121 million at September 30, 2021 and $ 140 million at the end of the 2020. The following tables provide data, at the class level, of credit quality indicators of certain loans for the dates specified: September 30, 2021 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial Acceptable or better $ 89,124 $ 432,586 $ 521,710 $ 204,311 Watch 16,893 200,741 217,634 62,647 Special Mention 8,224 31,487 39,711 7,663 Substandard 11,331 52,460 63,791 10,273 Doubtful/Loss - - - - Total $ 125,572 $ 717,274 $ 842,846 $ 284,894 December 31, 2020 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial Acceptable or better $ 59,020 $ 317,854 $ 376,874 $ 314,322 Watch 17,218 300,061 317,279 95,117 Special Mention 2,041 17,656 19,697 6,555 Substandard 28,280 70,705 98,985 14,356 Doubtful/Loss - - - - Total $ 106,559 $ 706,276 $ 812,835 $ 430,350 Past Due Loans The following tables provide an analysis of the age of the recorded investment in loans that are past due as of the dates indicated: September 30, 2021 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 275,206 $ 155 $ 3,846 $ 200 $ 5,487 $ 284,894 Residential real estate: Residential 397,902 50 1,905 - 3,556 403,413 Construction 5,778 - - - - 5,778 Commercial real estate: Commercial 705,201 - 147 276 11,650 717,274 Construction 120,683 - 1,632 - 3,257 125,572 Home equities 79,602 309 123 - 1,037 81,071 Consumer and other 333 2 1 - - 336 Total Loans $ 1,584,705 $ 516 $ 7,654 $ 476 $ 24,987 $ 1,618,338 Note: Loan balances do not include $( 4.2 ) million of unaccreted yield adjustments as of September 30, 2021. December 31, 2020 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 419,409 $ 4,240 $ 122 $ 94 $ 6,485 $ 430,350 Residential real estate: Residential 357,135 4,156 1,262 109 2,689 365,351 Construction 7,509 - - - - 7,509 Commercial real estate: Commercial 667,426 20,024 4,166 - 14,660 706,276 Construction 94,030 5,616 4,062 - 2,851 106,559 Home equities 80,044 744 604 14 1,196 82,602 Consumer and other 111 6 14 17 3 151 Total Loans $ 1,625,664 $ 34,786 $ 10,230 $ 234 $ 27,884 $ 1,698,798 Note: Loan balances do not include $( 5.0 ) m illion of unaccreted yield adjustments as of December 31, 2020. Allowance for loan losses The following tables present the activity in the allowance for loan losses according to portfolio segment for the three month periods ended September 30, 2021 and 2020. Three months ended September 30, 2021 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 3,790 $ 13,925 $ 58 $ 1,694 475 $ 19,942 Charge-offs ( 424 ) - ( 29 ) - - ( 453 ) Recoveries 15 - 4 - 2 21 Provision (Credit) ( 228 ) ( 1,555 ) ( 12 ) 259 77 ( 1,459 ) Ending balance $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 *Includes construction loans Three months ended September 30, 2020 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 5,260 $ 11,625 $ 233 $ 1,147 $ 489 $ 18,754 Charge-offs ( 124 ) ( 5 ) ( 14 ) - - ( 143 ) Recoveries 105 - 4 - - 109 Provision (Credit) ( 23 ) 1,843 ( 187 ) 218 30 1,881 Ending balance $ 5,218 $ 13,463 $ 36 $ 1,365 $ 519 $ 20,601 * Includes construction loans The following tables present the activity in the allowance for loan losses according to portfolio segment for the nine month periods ended September 30, 2021 and 2020. Nine months ended September 30, 2021 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Beginning balance $ 4,882 $ 13,249 $ 45 $ 1,658 $ 581 $ 20,415 Charge-offs ( 424 ) - ( 120 ) - - ( 544 ) Recoveries 58 - 26 - 2 86 Provision (Credit) ( 1,363 ) ( 879 ) 70 295 ( 29 ) ( 1,906 ) Ending balance $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 * Includes construction loans Nine months ended September 30, 2020 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Beginning balance $ 4,547 $ 9,005 $ 155 $ 1,071 $ 397 $ 15,175 Charge-offs ( 143 ) ( 5 ) ( 44 ) ( 29 ) ( 4 ) ( 225 ) Recoveries 141 11 22 - - 174 Provision (Credit) 673 4,452 ( 97 ) 323 126 5,477 Ending balance $ 5,218 $ 13,463 $ 36 $ 1,365 $ 519 $ 20,601 * Includes construction loans The following table presents the allocation of the allowance for loan losses according to portfolio segment summarized on the basis of the Company’s impairment methodology as of September 30, 2021 and December 31, 2020: September 30, 2021 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 42 $ - $ 42 Individually evaluated for impairment 132 478 - 9 41 660 Collectively evaluated for impairment 3,021 11,892 21 1,902 513 17,349 Total $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 812 $ - $ 812 Individually evaluated for impairment 5,487 18,142 - 3,116 1,428 28,173 Collectively evaluated for impairment 279,407 824,704 336 405,263 79,643 1,589,353 Total $ 284,894 $ 842,846 $ 336 $ 409,191 $ 81,071 $ 1,618,338 Note: Loan balances do not include $( 4.2 ) million of unaccreted yield adjustments as of September 30, 2021. * Includes construction loans December 31, 2020 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 994 539 3 - 11 1,547 Collectively evaluated for impairment 3,888 12,710 42 1,658 570 18,868 Total $ 4,882 $ 13,249 $ 45 $ 1,658 $ 581 $ 20,415 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 860 $ - $ 860 Individually evaluated for impairment 6,485 18,004 3 2,874 1,624 28,990 Collectively evaluated for impairment 423,865 794,831 148 369,126 80,978 1,668,948 Total $ 430,350 $ 812,835 $ 151 $ 372,860 $ 82,602 $ 1,698,798 Note: Loan balances do not include $( 5.0 ) million of unaccreted yield adjustments as of December 31, 2020. * Includes construction loans Impaired Loans The following tables provide data, at the class level, for impaired loans as of the dates indicated: At September 30, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 4,050 $ 4,775 $ - $ 4,217 $ 3 Residential real estate: Residential 3,054 3,387 - 4,043 21 Construction - - - - - Commercial real estate: Commercial 14,709 16,394 - 14,820 228 Construction - - - - - Home equities 1,319 1,551 - 1,560 7 Consumer and other - - - - - Total impaired loans $ 23,132 $ 26,107 $ - $ 24,640 $ 259 At September 30, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 1,437 $ 1,502 $ 132 $ 1,440 $ 26 Residential real estate: Residential 830 905 51 713 1 Construction - - - - - Commercial real estate: Commercial 176 197 25 194 - Construction 3,257 3,375 453 3,305 2 Home equities 109 109 41 109 - Consumer and other - - - - - Total impaired loans $ 5,809 $ 6,088 $ 702 $ 5,761 $ 29 At September 30, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,487 $ 6,277 $ 132 $ 5,657 $ 29 Residential real estate: Residential 3,884 4,292 51 4,756 22 Construction - - - - - Commercial real estate: Commercial 14,885 16,591 25 15,014 228 Construction 3,257 3,375 453 3,305 2 Home equities 1,428 1,660 41 1,669 7 Consumer and other - - - - - Total impaired loans $ 28,941 $ 32,195 $ 702 $ 30,401 $ 288 At December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 1,706 $ 1,947 $ - $ 1,952 $ 8 Residential real estate: Residential 3,703 4,069 - 3,754 60 Construction - - - - - Commercial real estate: Commercial 12,210 12,840 - 12,397 209 Construction 1,295 1,352 - 1,315 - Home equities 1,515 1,741 - 1,565 23 Consumer and other - - - - - Total impaired loans $ 20,429 $ 21,949 $ - $ 20,983 $ 300 At December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 4,779 $ 4,993 $ 994 $ 4,938 $ 25 Residential real estate: Residential - - - - - Construction - - - - - Commercial real estate: Commercial 2,943 2,953 153 2,943 10 Construction 1,556 1,556 386 1,556 53 Home equities 109 109 11 109 1 Consumer and other 3 3 3 3 - Total impaired loans $ 9,390 $ 9,614 $ 1,547 $ 9,549 $ 89 At December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 6,485 $ 6,940 $ 994 $ 6,890 $ 33 Residential real estate: Residential 3,703 4,069 - 3,754 60 Construction - - - - - Commercial real estate: Commercial 15,153 15,793 153 15,340 219 Construction 2,851 2,908 386 2,871 53 Home equities 1,624 1,850 11 1,674 24 Consumer and other 3 3 3 3 - Total impaired loans $ 29,819 $ 31,563 $ 1,547 $ 30,532 $ 389 Troubled debt restructurings The following tables summarize the loans that were classified as troubled debt restructurings (“TDRs”) as of the dates indicated: September 30, 2021 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,055 $ 1,055 $ - $ 2 Residential real estate: Residential 1,001 629 372 - Construction - - - - Commercial real estate: Commercial and multi-family 3,235 - 3,235 - Construction - - - - Home equities 500 109 391 - Consumer and other - - - - Total TDR loans $ 5,791 $ 1,793 $ 3,998 $ 2 December 31, 2020 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,722 $ 1,722 $ - $ 370 Residential real estate: Residential 1,632 587 1,045 - Construction - - - - Commercial real estate: Commercial and multi-family 3,408 2,915 493 - Construction - - - - Home equities 552 124 428 - Consumer and other - - - - Total TDR loans $ 7,314 $ 5,348 $ 1,966 $ 370 Any TDR that is placed on non-accrual is not reverted back to accruing status until the borrower makes timely payments as contracted for at least six months and future collection under the revised terms is probable. All of the Company’s restructurings were allowed in an effort to maximize its ability to collect on loans where borrowers were experiencing financial difficulty. The reserve for a TDR is based upon the present value of the future expected cash flows discounted at the loan’s original effective interest rate or upon the fair value of the collateral less costs to sell, if the loan is deemed collateral dependent. This reserve methodology is used because all TDR loans are considered impaired. The Company’s TDRs have various agreements that involve deferral of principal payments, or interest-only payments, for a period (usually 12 months or less) to allow the borrower time to improve cash flow or sell the property. Other common concessions leading to the designation of a TDR are lines of credit that are termed-out and/or extensions of maturities at rates that are less than the prevailing market rates given the risk profile of the borrower. In late March 2020, federal banking regulators issued guidance that modifications made to a borrower affected by the COVID-19 pandemic and governmental shutdown orders do not need to be identified as a TDR if the loan was current at the time a modification plan was implemented. The CARES Act also addressed COVID-19 related modifications and specified that such modifications made on loans that were current as of December 31, 2019 are not TDRs. The Company had applied this guidance and during 2020 had made 381 modifications of commercial loans with principal balances totaling $ 368 million, and approximately 298 modifications of consumer loans with principal balances totaling $ 37 million. COVID-19 related modifications made during the nine months ended September 30, 2021 were not material. The following tables present TDR activity by the type of concession granted to the borrower for the three and nine month periods ended September 30, 2021 and 2020. Three months ended September 30, 2021 Three months ended September 30, 2020 (Recorded Investment in thousands) (Recorded Investment in thousands) Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial and Industrial - $ - $ - - $ - $ - Residential Real Estate & Construction: Extension of maturity and interest rate reduction - - - 1 97 97 Commercial Real Estate & Construction - - - - - - Home Equities - - - - - - Consumer and other loans - - - - - - Other - - - - - - Nine months ended September 30, 2021 Nine months ended September 30, 2020 (Recorded Investment in thousands) (Recorded Investment in thousands) Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial and Industrial - $ - $ - - $ - $ - Residential Real Estate & Construction: Combination of concessions - - - 1 56 56 Extension of maturity and interest rate reduction - - - 1 97 97 Commercial Real Estate & Construction - - - - - - Home Equities Consumer and other loans - - - - - - The general practice of the Bank is to work with borrowers so that they are able to repay their loan in full. If a borrower continues to be delinquent or cannot meet the terms of a TDR and the loan is determined to be uncollectible, the loan will be charged-off to its collateral value. A loan is considered in default when the loan is 90 days past due. Loans which were classified as TDRs during the previous 12 months which defaulted during the three and nine month periods ended September 30, 2021 and 2020 were not material.

Common Equity And Earnings Per

Common Equity And Earnings Per Share Data	9 Months Ended
	Sep. 30, 2021
Common Equity And Earnings Per Share Data [Abstract]
Common Equity And Earnings Per Share Data	5. COMMON EQUITY AND EARNINGS PER SHARE DATA The common stock per share information is based upon the weighted average number of shares outstanding during each period. For the three and nine month periods ended September 30, 2021, the Company had an average of 57,705 and 52,128 dilutive shares outstanding, respectively. The Company had an average of 18,955 and 35,564 dilutive shares outstanding for the three and nine month periods ended September 30, 2020. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and not included in calculating diluted earnings per share. For the three and nine month periods ended September 30, 2021, there was an average of 39,390 and 80,614 potentially anti-dilutive shares outstanding, respectively, that were not included in calculating diluted earnings per share because their effect was anti-dilutive. For the three and nine month periods ended September 30, 2020, there was an average of 150,783 and 81,770 potentially anti-dilutive shares outstanding.

Other Comprehensive Income

Other Comprehensive Income	9 Months Ended
	Sep. 30, 2021
Other Comprehensive Income [Abstract]
Other Comprehensive Income	6. OTHER COMPREHENSIVE INCOME The following tables summarize the changes in the components of accumulated other comprehensive income during the three and nine month periods ended September 30, 2021 and 2020: Balance at June 30, 2021 Net Change Balance at September 30, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 230 $ ( 1,530 ) $ ( 1,300 ) Net defined benefit pension plan adjustments ( 2,965 ) 75 ( 2,890 ) Total $ ( 2,735 ) $ ( 1,455 ) $ ( 4,190 ) Balance at June 30, 2020 Net Change Balance at September 30, 2020 (in thousands) Net unrealized gain (loss) on investment securities $ 3,545 $ ( 833 ) $ 2,712 Net defined benefit pension plan adjustments ( 2,928 ) 90 ( 2,838 ) Total $ 617 $ ( 743 ) $ ( 126 ) Balance at December 31, 2020 Net Change Balance at September 30, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 2,397 $ ( 3,697 ) $ ( 1,300 ) Net defined benefit pension plan adjustments ( 3,116 ) 226 ( 2,890 ) Total $ ( 719 ) $ ( 3,471 ) $ ( 4,190 ) Balance at December 31, 2019 Net Change Balance at September 30, 2020 (in thousands) Net unrealized gain on investment securities $ 522 $ 2,190 $ 2,712 Net defined benefit pension plan adjustments ( 3,105 ) 267 ( 2,838 ) Total $ ( 2,583 ) $ 2,457 $ ( 126 ) Three months ended September 30, 2021 Three months ended September 30, 2020 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized loss on investment securities $ ( 2,066 ) $ 536 $ ( 1,530 ) $ ( 455 ) $ 116 $ ( 339 ) Reclassification from accumulated other comprehensive income for gain on sale of securities - - - ( 667 ) 173 ( 494 ) Net change ( 2,066 ) 536 ( 1,530 ) ( 1,122 ) 289 ( 833 ) Defined benefit pension plan adjustments: Amortization of prior service cost 7 ( 2 ) 5 7 ( 1 ) 6 Amortization of actuarial loss 95 ( 25 ) 70 113 ( 29 ) 84 Net change 102 ( 27 ) 75 120 ( 30 ) 90 Other comprehensive loss $ ( 1,964 ) $ 509 $ ( 1,455 ) $ ( 1,002 ) $ 259 $ ( 743 ) Nine months ended September 30, 2021 Nine months ended September 30, 2020 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized (loss) gain on investment securities: Unrealized (loss) gain on investment securities $ ( 4,995 ) $ 1,298 $ ( 3,697 ) $ 3,623 $ ( 939 ) $ 2,684 Reclassification from accumulated other comprehensive income for gain on sale of securities - - - ( 667 ) 173 ( 494 ) Net change ( 4,995 ) 1,298 ( 3,697 ) 2,956 ( 766 ) 2,190 Defined benefit pension plan adjustments: Amortization of prior service cost 23 ( 7 ) 16 23 ( 6 ) 17 Amortization of actuarial loss 285 ( 75 ) 210 339 ( 89 ) 250 Net change 308 ( 82 ) 226 362 ( 95 ) 267 Other comprehensive (loss) income $ ( 4,687 ) $ 1,216 $ ( 3,471 ) $ 3,318 $ ( 861 ) $ 2,457

Net Periodic Benefit Costs

Net Periodic Benefit Costs	9 Months Ended
	Sep. 30, 2021
Net Periodic Benefit Costs [Abstract]
Net Periodic Benefit Costs	7. NET PERIODIC BENEFIT COSTS On January 31, 2008, the Bank froze its defined benefit pension plan. The plan covered substantially all Bank employees. The plan provides benefits that are based on the employees’ compensation and years of service. Under the freeze, eligible employees will receive, at retirement, the benefits already earned through January 31, 2008, but have not accrued any additional benefits since then. As a result, service cost is no longer incurred. The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank used recognized the prior service cost and net gains or losses over the average remaining service period of active employees. The Bank also maintains a nonqualified supplemental executive retirement plan covering certain members of the Company’s senior management. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the net gains or losses over the average remaining service period of active employees. The following table presents the net periodic cost for the Bank’s defined benefit pension plan and supplemental executive retirement plan for the three and nine month periods ended September 30, 2021 and 2020: Three months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2021 2020 2021 2020 Service cost $ - $ - $ 37 $ 38 Interest cost 41 50 25 38 Expected return on plan assets ( 89 ) ( 81 ) - - Amortization of prior service cost - - 7 7 Amortization of the net loss 24 25 71 88 Net periodic (benefit) cost $ ( 24 ) $ ( 6 ) $ 140 $ 171 Nine months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2021 2020 2021 2020 Service cost $ - $ - $ 112 $ 116 Interest cost 122 151 75 114 Expected return on plan assets ( 266 ) ( 244 ) - - Amortization of prior service cost - - 23 23 Amortization of the net loss 72 76 213 263 Net periodic (benefit) cost $ ( 72 ) $ ( 17 ) $ 423 $ 516 The components of net periodic benefit cost other than the service cost component are included in the line item “other expense” in the income statement.

Revenue Recognition Of Non-Inte

Revenue Recognition Of Non-Interest Income	9 Months Ended
	Sep. 30, 2021
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition Of Non-Interest Income	8. REVENUE RECOGNITION OF NON-INTEREST INCOME A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:   TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits solutions to commercial customers.  TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.  TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.  TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.  Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.  The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.   Insurance claims services revenue is recorded at FCS.  FCS has signed agreements with insurance companies to perform claims services including investigative and adjustment services related to residential and commercial lines. The performance obligation is for FCS to investigate the insurance claims and inspecting the damage to determine the extent of the insurance company’s liability. FCS is paid based on time and materials expended to investigate the claim. The rates paid are determined in the agreement between FCS and the respective insurance companies. Upon completion of its claims inspection work, FCS bills the insurance company for services rendered and recognizes the revenue earned.  A disaggregation of the total insurance service and other fees for the three and nine months ended September 30, 2021 and 2020 is provided in the tables below: Three months ended September 30, 2021 2020 (in thousands) Commercial property and casualty insurance commissions $ 1,426 $ 1,439 Personal property and casualty insurance commissions 856 890 Employee benefits sales commissions 231 245 Profit sharing and contingent revenue 410 375 Wealth management and other financial services 161 164 Insurance claims services revenue 77 84 Other insurance-related revenue 30 20 Total insurance service and other fees $ 3,191 $ 3,217 Nine months ended September 30, 2021 2020 (in thousands) Commercial property and casualty insurance commissions $ 3,248 $ 3,261 Personal property and casualty insurance commissions 2,517 2,611 Employee benefits sales commissions 692 993 Profit sharing and contingent revenue 1,029 733 Wealth management and other financial services 508 407 Insurance claims services revenue 236 201 Other insurance-related revenue 120 103 Total insurance service and other fees $ 8,350 $ 8,309

Fair Value Measurement

Fair Value Measurement	9 Months Ended
	Sep. 30, 2021
Fair Value Measurement [Abstract]
Fair Value Measurement	9. FAIR VALUE MEASUREMENT Fair value is defined in ASC Topic 820 “Fair Value Measurement” as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. There are three levels of inputs to fair value measurement:  Level 1 inputs are quoted prices for identical instruments in active markets;  Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and  Level 3 inputs are unobservable inputs. Observable market data should be used when available. FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A RECURRING BASIS The following table presents, for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a recurring basis as of September 30, 2021 and December 31, 2020, respectively: (in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2021 Securities available-for-sale: US treasuries and government agencies $ - $ 85,581 $ - $ 85,581 States and political subdivisions - 6,472 - 6,472 Mortgage-backed securities - 161,435 - 161,435 Mortgage servicing rights - - 930 930 December 31, 2020 Securities available-for-sale: US treasuries and government agencies $ - $ 68,098 $ - $ 68,098 States and political subdivisions - 7,524 - 7,524 Mortgage-backed securities - 86,774 - 86,774 Mortgage servicing rights - - 917 917 Securities available for sale Fair values for securities are determined using independent pricing services and market-participating brokers. The Company’s independent pricing service utilizes evaluated pricing models that vary by asset class and incorporate available trade, bid and other market information for structured securities, cash flow and, when available, loan performance data. Because many fixed income securities do not trade on a daily basis, the evaluated pricing applications apply information as applicable through processes, such as benchmarking of like securities, sector groupings, and matrix pricing, to prepare evaluations. In addition, model processes, such as the Option Adjusted Spread model, are used to assess interest rate impact and develop prepayment scenarios. The models and the process take into account market convention. For each asset class, a team of evaluators gathers information from market sources and integrates relevant credit information, perceived market movements and sector news into the evaluated pricing applications and models. The Company’s service provider may occasionally determine that it does not have sufficient verifiable information to value a particular security. In these cases the Company will utilize valuations from another pricing service. On a quarterly basis, the Company reviews changes in the market value of its security portfolio. Individual changes in valuations are reviewed for consistency with general interest rate movements and any known credit concerns for specific securities. Additionally, on a quarterly basis, the Company has its entire security portfolio priced by a second pricing service to determine consistency with another market evaluator. If, during the Company’s review or when comparing with another servicer, a material difference between pricing evaluations were to exist, the Company would submit an inquiry to the service provider regarding the data used to value a particular security. If the Company determines it has market information that would support a different valuation than the initial evaluation it can submit a challenge for a change to that security’s valuation. Securities available for sale are classified as Level 2 in the fair value hierarchy as the valuation provided by the third-party provider uses observable market data. Mortgage servicing rights Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. Accordingly, the Company obtains the fair value of the MSRs using a third-party pricing provider. The provider determines the fair value by discounting projected net servicing cash flows of the remaining servicing portfolio. The valuation model used by the provider considers market loan prepayment predictions and other economic factors which management considers to be significant unobservable inputs. The fair value of MSRs is mostly affected by changes in mortgage interest rates since rate changes cause the loan prepayment acceleration factors to increase or decrease. MSRs are classified within Level 3 of the fair value hierarchy as the valuation is model driven and primarily based on unobservable inputs. The following table summarizes the changes in fair value for MSRs: Three months ended September 30, (in thousands) 2021 2020 Mortgage servicing rights - July 1 $ 993 $ 1,031 Losses included in earnings ( 63 ) ( 89 ) Additions from loan sales - 65 Mortgage servicing rights - September 30 $ 930 $ 1,007 Nine months ended September 30, (in thousands) 2021 2020 Mortgage servicing rights - January 1 $ 917 $ 555 Gains/(Losses) included in earnings 13 ( 289 ) Additions from business combinations - 639 Additions from loan sales - 102 Mortgage servicing rights - September 30 $ 930 $ 1,007 Quantitative information about the significant unobservable inputs used in the fair value measurement of MSRs at the respective dates is as follows: September 30, 2021 December 31, 2020 Servicing fees 0.25 % 0.25 % Discount rate 9.01 % 9.04 % Prepayment rate (CPR) 8.09 % 9.73 % FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets using fair value measurements. The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a nonrecurring basis September 30, 2021 and December 31, 2020: (in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2021 Collateral dependent impaired loans $ - $ - $ 7,149 $ 7,149 December 31, 2020 Collateral dependent impaired loans $ - $ - $ 7,496 $ 7,496 Collateral dependent impaired loans The Company evaluates and values impaired loans at the time the loan is identified as impaired, and the fair values of such loans are estimated using Level 3 inputs in the fair value hierarchy. Each loan’s collateral has a unique appraisal and management’s discount of the value is based on factors unique to each impaired loan. The significant unobservable input in determining the fair value is management’s subjective discount on appraisals of the collateral securing the loan. Collateral may consist of real estate and/or business assets including equipment, inventory and/or accounts receivable and the value of these assets is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business. The Company has an appraisal policy in which appraisals are obtained upon a commercial loan being downgraded on the Company’s internal loan rating scale to a special mention or a substandard depending on the amount of the loan, the type of loan and the type of collateral. All impaired commercial loans are graded substandard or worse on the internal loan rating scale. For consumer loans, the Company obtains appraisals when a loan becomes 90 days past due or is determined to be impaired, whichever occurs first. Subsequent to the downgrade or reaching 90 days past due, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers. Collateral dependent impaired loans had a recorded investment of $ 7.6 million, with an allowance for loan loss of $ 0.5 million, at September 30, 2021 compared with $ 8.8 million and $ 1.3 million, respectively, at December 31, 2020. FAIR VALUE OF FINANCIAL INSTRUMENTS The table below depicts the estimated fair values of the Company’s financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis. September 30, 2021 December 31, 2020 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 191,723 $ 191,723 $ 97,604 $ 97,604 Level 2: Available for sale securities 253,488 253,488 162,396 162,396 FHLB and FRB stock 6,301 N/A 5,793 N/A Level 3: Held to maturity securities 4,733 4,755 4,204 4,271 Loans, net 1,596,111 1,619,511 1,673,379 1,720,878 Mortgage servicing rights 930 930 917 917 Financial liabilities: Level 1: Demand deposits $ 502,689 $ 502,689 $ 436,157 $ 436,157 NOW deposits 253,124 253,124 230,751 230,751 Savings deposits 942,147 942,147 825,947 825,947 Level 2: Securities sold under agreement to repurchase 4,016 4,016 4,093 4,093 Other borrowed funds 36,599 36,891 44,698 45,547 Subordinated debt 30,949 32,350 30,872 31,394 Level 3: Time deposits 178,083 178,481 278,554 280,059

Segment Information

Segment Information	9 Months Ended
	Sep. 30, 2021
Segment Information [Abstract]
Segment Information	10. SEGMENT INFORMATION The Company comprises two primary business segments, banking and insurance agency activities. The following tables set forth information regarding these segments for the three and nine month periods ended September 30, 2021 and 2020. Three months ended September 30, 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 18,165 $ ( 2 ) $ 18,163 Provision (credit) for loan losses ( 1,459 ) - ( 1,459 ) Net interest income (expense) after provision for loan losses 19,624 ( 2 ) 19,622 Insurance service and fees 141 3,050 3,191 Other non-interest income 1,966 - 1,966 Amortization expense 6 129 135 Other non-interest expense 13,382 1,876 15,258 Income before income taxes 8,343 1,043 9,386 Income tax provision 2,135 272 2,407 Net income $ 6,208 $ 771 $ 6,979 Three months ended September 30, 2020 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 15,644 $ ( 2 ) $ 15,642 Provision for loan losses 1,881 - 1,881 Net interest income (expense) after provision for loan losses 13,763 ( 2 ) 13,761 Insurance service and fees 162 3,055 3,217 Other non-interest income 2,636 4 2,640 Amortization expense 6 130 136 Other non-interest expense 12,372 1,960 14,332 Income before income taxes 4,183 967 5,150 Income tax provision 354 252 606 Net income $ 3,829 $ 715 $ 4,544 Nine months ended September 30, 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 53,118 $ ( 8 ) $ 53,110 Provision (credit) for loan losses ( 1,906 ) - ( 1,906 ) Net interest income (expense) after provision for loan losses 55,024 ( 8 ) 55,016 Insurance service and fees 456 7,894 8,350 Other non-interest income 5,787 4 5,791 Amortization expense 16 389 405 Other non-interest expense 38,603 5,926 44,529 Income before income taxes 22,648 1,575 24,223 Income tax provision 5,669 410 6,079 Net income $ 16,979 $ 1,165 $ 18,144 Nine months ended September 30, 2020 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 43,359 $ ( 8 ) $ 43,351 Provision for loan losses 5,477 - 5,477 Net interest income (expense) after provision for loan losses 37,882 ( 8 ) 37,874 Insurance service and fees 395 7,914 8,309 Other non-interest income 5,121 4 5,125 Amortization expense 11 389 400 Other non-interest expense 38,917 6,033 44,950 Income before income taxes 4,470 1,488 5,958 Income tax provision 354 387 741 Net income $ 4,116 $ 1,101 $ 5,217

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	9 Months Ended
	Sep. 30, 2021
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	11. CONTINGENT LIABILITIES AND COMMITMENTS The unaudited consolidated financial statements do not reflect various commitments and contingent liabilities, which arise in the normal course of business, and which involve elements of credit risk, interest rate risk and liquidity risk. These commitments and contingent liabilities consist of commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities is as follows: September 30, December 31, 2021 2020 (in thousands) Commitments to extend credit $ 379,736 $ 359,152 Standby letters of credit 4,764 3,803 Total $ 384,500 $ 362,955 Commitments to extend credit and standby letters of credit include some exposure to credit loss in the event of nonperformance by the customer. The Bank’s credit policies and procedures for credit commitments and financial guarantees are the same as those for extensions of credit that are recorded on the Company’s unaudited consolidated balance sheets. Because these instruments have fixed maturity dates, and because they may expire without being drawn upon, they do not necessarily represent cash requirements of the Bank. The Bank did no t incur any losses on its commitments and did no t record a reserve for its commitments during the first nine months of 2021 or during 2020. Certain lending commitments for construction residential mortgage loans are considered derivative instruments under the guidelines of GAAP. The changes in the fair value of these commitments, due to interest rate risk, are not recorded on the consolidated balance sheets as the fair value of these derivatives is not considered to be material.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2021
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	12. RECENT ACCOUNTING PRONOUNCEMENTS ASUs adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The following standard will be adopted in a future period. ASUs not listed below are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures.  ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments – Current GAAP requires an “incurred loss” methodology for recognizing credit losses that delays recognition until it is probable a loss has been incurred. Both financial institutions and users of their financial statements expressed concern that current GAAP restricts the ability to record credit losses that are expected, but do not yet meet the “probable” threshold. The main objective of this ASU (commonly known as the Current Expected Credit Loss Impairment Model, or CECL, in the industry) is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in CECL replace the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The Company is developing its approach for determining expected credit losses under the new guidance, including the licensing of new software and the development of processes to track loan performance. The total impact of CECL to the Company’s financial statements is unknown but may be material. On October 16, 2019, the FASB affirmed its decision to amend the effective date for the amendments in CECL for smaller reporting companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption is allowed for fiscal years beginning after December 15, 2018. The Company intends to adopt CECL effective January 1, 2023.

Organization And Summary Of S_2

Organization And Summary Of Significant Accounting Policies (Policy)	9 Months Ended
	Sep. 30, 2021
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), and Evans National Holding Corp. (“ENHC”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiaries, Frontier Claims Services, Inc. (“FCS”) and ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates. Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.” The Financial Accounting Standards Board (“FASB”) establishes changes to GAAP in the form of accounting standards updates (“ASUs”) to the FASB Accounting Standards Codification. The Company considers the applicability and impact of all ASUs when they are issued by FASB. ASUs adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The results of operations for the nine month period ended September 30, 2021 are not necessarily indicative of the results to be expected for the full year. The accompanying unaudited consolidated financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2020 (the “10-K”). There have been no significant changes to the Company’s significant accounting policies as disclosed in Note 1 to the 10-K.
COVID-19 - Risks & Uncertainties	COVID-19 – Risks & Uncertainties The Company’s operations and financial results have been significantly impacted by the COVID-19 pandemic. The spread of COVID-19 has caused significant economic disruption throughout the United States as state and local governments issued stay at home orders and temporarily closed non-essential businesses. The full financial impact from the pandemic is unknown at this time, however prolonged disruption may adversely impact several industries within the Company's geographic footprint and impair the ability of the Company’s customers to fulfill their contractual obligations to the Company. This could cause the Company to experience a material adverse effect on business operations, asset valuations, financial condition and results of operations. Material adverse impacts may include all or a combination of valuation impairments on the Company’s intangible assets, investments, loans and mortgage servicing rights.

Revenue Recognition Of Non-In_2

Revenue Recognition Of Non-Interest Income (Policy)	9 Months Ended
	Sep. 30, 2021
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition	A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:   TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits solutions to commercial customers.  TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.  TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.  TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.  Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.  The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.   Insurance claims services revenue is recorded at FCS.  FCS has signed agreements with insurance companies to perform claims services including investigative and adjustment services related to residential and commercial lines. The performance obligation is for FCS to investigate the insurance claims and inspecting the damage to determine the extent of the insurance company’s liability. FCS is paid based on time and materials expended to investigate the claim. The rates paid are determined in the agreement between FCS and the respective insurance companies. Upon completion of its claims inspection work, FCS bills the insurance company for services rendered and recognizes the revenue earned. 

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Sep. 30, 2021
Acquisitions [Abstract]
Schedule Of Assets Acquired And Liabilities Assumed	As Recorded Fair Value As Recorded by FSB Adjustments at Acquisition (in thousands) Cash and due from banks $ 1,978 $ - $ 1,978 Interest-bearing deposit at banks 9,339 - 9,339 Securities 21,371 106 (a) 21,477 FHLB Stock 2,614 - 2,614 Loans receivable 273,869 ( 2,484 ) (b) 271,385 Allowance for loan losses ( 1,706 ) 1,706 (c) - Premises and equipment 2,303 ( 56 ) (d) 2,247 Intangible assets - 166 (e) 166 Bank owned life insurance 3,891 - 3,891 Operating lease right-of-use asset 2,020 374 (f) 2,394 Other assets 6,033 1,640 (g) 7,673 Total assets acquired $ 321,712 $ 1,452 $ 323,164 Deposits 237,688 1,485 (h) 239,173 Other borrowed funds 50,597 1,929 (i) 52,526 Operating lease liability 2,217 176 (j) 2,393 Other liabilities 2,557 ( 573 ) (k) 1,984 Total liabilities assumed $ 293,059 $ 3,017 $ 296,076 Net assets acquired 27,088 Purchase price 28,856 Goodwill recorded in merger $ 1,768 Explanation of certain fair value related adjustments: (a) Represents the fair value adjustments on investment securities. (b) Represents the fair value adjustments on the net book value of loans, which includes an interest rate mark and credit mark adjustment and the write-off of deferred fees/costs and premiums. (c) Represents the elimination of FSB’s allowance for loan losses. (d) Represents the fair value adjustments to reflect the fair value of land and buildings and premises and equipment, which will be amortized on a straight-line basis over the estimated useful lives of the individual assets. (e) Represents the intangible assets recorded to reflect the fair value of core deposits. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the estimated average life of the deposit base. (f) Represents the fair value adjustments on operating lease right of use assets. (g) Represents an adjustment to other assets acquired. The largest adjustment was to net deferred tax assets resulting from the fair value adjustments related to the acquired assets, liabilities assumed and identifiable intangible assets recorded. (h) Represents fair value adjustments on time deposits, which will be treated as a reduction of interest expense over the remaining term of the time deposits. (i) Represents the fair value adjustments on FHLB borrowings, which will be treated as a decrease to interest expense over the life of the borrowings. (j) Represents the fair value adjustments on operating lease liabilities. (k) Represents an adjustment to other liabilities assumed.
Schedule Of Selected Pro Forma Financial Information	Three months ended Nine months ended September 30, 2020 September 30, 2020 (in thousands) Net interest income after provision $ 13,250 $ 40,014 Non-interest income 5,857 14,023 Non-interest expense 13,944 42,905 Net income 4,554 9,046

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2021
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	September 30, 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 87,010 $ 404 $ ( 1,833 ) $ 85,581 States and political subdivisions 6,367 110 ( 5 ) 6,472 Total debt securities 93,377 514 ( 1,838 ) 92,053 Mortgage-backed securities: FNMA 58,943 449 ( 778 ) 58,614 FHLMC 23,577 93 ( 305 ) 23,365 GNMA 21,093 23 ( 340 ) 20,776 SBA 18,694 582 ( 39 ) 19,237 CMO 39,560 397 ( 514 ) 39,443 Total mortgage-backed securities 161,867 1,544 ( 1,976 ) 161,435 Total securities designated as available for sale $ 255,244 $ 2,058 $ ( 3,814 ) $ 253,488 Held to Maturity: Debt securities States and political subdivisions $ 4,733 $ 22 $ - $ 4,755 Total securities designated as held to maturity $ 4,733 $ 22 $ - $ 4,755 December 31, 2020 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 67,619 $ 731 $ ( 252 ) $ 68,098 States and political subdivisions 7,362 169 ( 7 ) 7,524 Total debt securities 74,981 900 ( 259 ) 75,622 Mortgage-backed securities: FNMA 24,265 654 ( 50 ) 24,869 FHLMC 3,739 111 ( 1 ) 3,849 GNMA 2,006 58 ( 1 ) 2,063 SBA 20,949 914 ( 33 ) 21,830 CMO 33,217 946 - 34,163 Total mortgage-backed securities 84,176 2,683 ( 85 ) 86,774 Total securities designated as available for sale $ 159,157 $ 3,583 $ ( 344 ) $ 162,396 Held to Maturity: Debt securities States and political subdivisions $ 4,204 $ 67 $ - $ 4,271 Total securities designated as held to maturity $ 4,204 $ 67 $ - $ 4,271
Scheduled Maturities Of Debt And Mortgage-Backed Securities	September 30, 2021 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 972 $ 977 Due after one year through five years 11,793 12,121 Due after five years through ten years 42,519 42,409 Due after ten years 38,093 36,546 93,377 92,053 Mortgage-backed securities available for sale 161,867 161,435 Total $ 255,244 $ 253,488 Debt securities held to maturity: Due in one year or less $ 3,883 $ 3,884 Due after one year through five years 442 457 Due after five years through ten years 339 340 Due after ten years 69 74 Total $ 4,733 $ 4,755
Unrealized Losses On Securities	September 30, 2021 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 35,432 $ ( 689 ) $ 23,845 $ ( 1,144 ) $ 59,277 $ ( 1,833 ) States and political subdivisions - - 202 ( 5 ) 202 ( 5 ) Total debt securities 35,432 ( 689 ) 24,047 ( 1,149 ) 59,479 ( 1,838 ) Mortgage-backed securities: FNMA 40,345 ( 777 ) 171 ( 1 ) 40,516 ( 778 ) FHLMC 17,490 ( 305 ) 78 - 17,568 ( 305 ) GNMA 19,548 ( 339 ) 146 ( 1 ) 19,694 ( 340 ) SBA 2,841 ( 8 ) 1,347 ( 31 ) 4,188 ( 39 ) CMO 19,902 ( 514 ) - - 19,902 ( 514 ) Total mortgage-backed securities 100,126 ( 1,943 ) 1,742 ( 33 ) 101,868 ( 1,976 ) Held to Maturity: Debt securities: States and political subdivisions 335 - - - 335 - Total temporarily impaired securities $ 135,893 $ ( 2,632 ) $ 25,789 $ ( 1,182 ) $ 161,682 $ ( 3,814 ) December 31, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 33,801 $ ( 252 ) $ - $ - $ 33,801 $ ( 252 ) States and political subdivisions 207 ( 1 ) 180 ( 6 ) 387 ( 7 ) Total debt securities 34,008 ( 253 ) 180 ( 6 ) 34,188 ( 259 ) Mortgage-backed securities: FNMA 3,354 ( 39 ) 1,391 ( 11 ) 4,745 ( 50 ) FHLMC 182 ( 1 ) - - 182 ( 1 ) GNMA 154 ( 1 ) - - 154 ( 1 ) SBA - - 1,392 ( 33 ) 1,392 ( 33 ) CMO 121 - - - 121 - Total mortgage-backed securities 3,811 ( 41 ) 2,783 ( 44 ) 6,594 ( 85 ) Held to Maturity: Debt securities: States and political subdivisions - - - - - - Total temporarily impaired securities $ 37,819 $ ( 294 ) $ 2,963 $ ( 50 ) $ 40,782 $ ( 344 )

Loans And The Allowance For L_2

Loans And The Allowance For Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2021
Loans And The Allowance For Loan Losses [Abstract]
Schedule Of Loan Portfolio Composition	September 30, 2021 December 31, 2020 Mortgage loans on real estate: (in thousands) Residential mortgages $ 403,413 $ 365,351 Commercial and multi-family 717,274 706,276 Construction-Residential 5,778 7,509 Construction-Commercial 125,572 106,559 Home equities 81,071 82,602 Total real estate loans 1,333,108 1,268,297 Commercial and industrial loans 284,894 430,350 Consumer and other loans 336 151 Unaccreted yield adjustments* ( 4,176 ) ( 5,004 ) Total gross loans 1,614,162 1,693,794 Allowance for loan losses ( 18,051 ) ( 20,415 ) Loans, net $ 1,596,111 $ 1,673,379 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated, including $ 3.2 million and $ 4.6 million of PPP fees at September 30, 2021 and December 31, 2020, respectively.
Data, At Class Level, Of Credit Quality Indicators Of Certain Loans	September 30, 2021 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial Acceptable or better $ 89,124 $ 432,586 $ 521,710 $ 204,311 Watch 16,893 200,741 217,634 62,647 Special Mention 8,224 31,487 39,711 7,663 Substandard 11,331 52,460 63,791 10,273 Doubtful/Loss - - - - Total $ 125,572 $ 717,274 $ 842,846 $ 284,894 December 31, 2020 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial Acceptable or better $ 59,020 $ 317,854 $ 376,874 $ 314,322 Watch 17,218 300,061 317,279 95,117 Special Mention 2,041 17,656 19,697 6,555 Substandard 28,280 70,705 98,985 14,356 Doubtful/Loss - - - - Total $ 106,559 $ 706,276 $ 812,835 $ 430,350
Recorded Investment In Loans Past Due	September 30, 2021 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 275,206 $ 155 $ 3,846 $ 200 $ 5,487 $ 284,894 Residential real estate: Residential 397,902 50 1,905 - 3,556 403,413 Construction 5,778 - - - - 5,778 Commercial real estate: Commercial 705,201 - 147 276 11,650 717,274 Construction 120,683 - 1,632 - 3,257 125,572 Home equities 79,602 309 123 - 1,037 81,071 Consumer and other 333 2 1 - - 336 Total Loans $ 1,584,705 $ 516 $ 7,654 $ 476 $ 24,987 $ 1,618,338 Note: Loan balances do not include $( 4.2 ) million of unaccreted yield adjustments as of September 30, 2021. December 31, 2020 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 419,409 $ 4,240 $ 122 $ 94 $ 6,485 $ 430,350 Residential real estate: Residential 357,135 4,156 1,262 109 2,689 365,351 Construction 7,509 - - - - 7,509 Commercial real estate: Commercial 667,426 20,024 4,166 - 14,660 706,276 Construction 94,030 5,616 4,062 - 2,851 106,559 Home equities 80,044 744 604 14 1,196 82,602 Consumer and other 111 6 14 17 3 151 Total Loans $ 1,625,664 $ 34,786 $ 10,230 $ 234 $ 27,884 $ 1,698,798 Note: Loan balances do not include $( 5.0 ) m illion of unaccreted yield adjustments as of December 31, 2020.
Schedule Of Allowance For Loan Losses According To Portfolio Segment	The following tables present the activity in the allowance for loan losses according to portfolio segment for the three month periods ended September 30, 2021 and 2020. Three months ended September 30, 2021 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 3,790 $ 13,925 $ 58 $ 1,694 475 $ 19,942 Charge-offs ( 424 ) - ( 29 ) - - ( 453 ) Recoveries 15 - 4 - 2 21 Provision (Credit) ( 228 ) ( 1,555 ) ( 12 ) 259 77 ( 1,459 ) Ending balance $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 *Includes construction loans Three months ended September 30, 2020 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 5,260 $ 11,625 $ 233 $ 1,147 $ 489 $ 18,754 Charge-offs ( 124 ) ( 5 ) ( 14 ) - - ( 143 ) Recoveries 105 - 4 - - 109 Provision (Credit) ( 23 ) 1,843 ( 187 ) 218 30 1,881 Ending balance $ 5,218 $ 13,463 $ 36 $ 1,365 $ 519 $ 20,601 * Includes construction loans The following tables present the activity in the allowance for loan losses according to portfolio segment for the nine month periods ended September 30, 2021 and 2020. Nine months ended September 30, 2021 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Beginning balance $ 4,882 $ 13,249 $ 45 $ 1,658 $ 581 $ 20,415 Charge-offs ( 424 ) - ( 120 ) - - ( 544 ) Recoveries 58 - 26 - 2 86 Provision (Credit) ( 1,363 ) ( 879 ) 70 295 ( 29 ) ( 1,906 ) Ending balance $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 * Includes construction loans Nine months ended September 30, 2020 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Beginning balance $ 4,547 $ 9,005 $ 155 $ 1,071 $ 397 $ 15,175 Charge-offs ( 143 ) ( 5 ) ( 44 ) ( 29 ) ( 4 ) ( 225 ) Recoveries 141 11 22 - - 174 Provision (Credit) 673 4,452 ( 97 ) 323 126 5,477 Ending balance $ 5,218 $ 13,463 $ 36 $ 1,365 $ 519 $ 20,601 * Includes construction loans The following table presents the allocation of the allowance for loan losses according to portfolio segment summarized on the basis of the Company’s impairment methodology as of September 30, 2021 and December 31, 2020: September 30, 2021 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 42 $ - $ 42 Individually evaluated for impairment 132 478 - 9 41 660 Collectively evaluated for impairment 3,021 11,892 21 1,902 513 17,349 Total $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 812 $ - $ 812 Individually evaluated for impairment 5,487 18,142 - 3,116 1,428 28,173 Collectively evaluated for impairment 279,407 824,704 336 405,263 79,643 1,589,353 Total $ 284,894 $ 842,846 $ 336 $ 409,191 $ 81,071 $ 1,618,338 Note: Loan balances do not include $( 4.2 ) million of unaccreted yield adjustments as of September 30, 2021. * Includes construction loans December 31, 2020 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 994 539 3 - 11 1,547 Collectively evaluated for impairment 3,888 12,710 42 1,658 570 18,868 Total $ 4,882 $ 13,249 $ 45 $ 1,658 $ 581 $ 20,415 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 860 $ - $ 860 Individually evaluated for impairment 6,485 18,004 3 2,874 1,624 28,990 Collectively evaluated for impairment 423,865 794,831 148 369,126 80,978 1,668,948 Total $ 430,350 $ 812,835 $ 151 $ 372,860 $ 82,602 $ 1,698,798 Note: Loan balances do not include $( 5.0 ) million of unaccreted yield adjustments as of December 31, 2020. * Includes construction loans
Data, At Class Level, Of Impaired Loans	At September 30, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 4,050 $ 4,775 $ - $ 4,217 $ 3 Residential real estate: Residential 3,054 3,387 - 4,043 21 Construction - - - - - Commercial real estate: Commercial 14,709 16,394 - 14,820 228 Construction - - - - - Home equities 1,319 1,551 - 1,560 7 Consumer and other - - - - - Total impaired loans $ 23,132 $ 26,107 $ - $ 24,640 $ 259 At September 30, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 1,437 $ 1,502 $ 132 $ 1,440 $ 26 Residential real estate: Residential 830 905 51 713 1 Construction - - - - - Commercial real estate: Commercial 176 197 25 194 - Construction 3,257 3,375 453 3,305 2 Home equities 109 109 41 109 - Consumer and other - - - - - Total impaired loans $ 5,809 $ 6,088 $ 702 $ 5,761 $ 29 At September 30, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,487 $ 6,277 $ 132 $ 5,657 $ 29 Residential real estate: Residential 3,884 4,292 51 4,756 22 Construction - - - - - Commercial real estate: Commercial 14,885 16,591 25 15,014 228 Construction 3,257 3,375 453 3,305 2 Home equities 1,428 1,660 41 1,669 7 Consumer and other - - - - - Total impaired loans $ 28,941 $ 32,195 $ 702 $ 30,401 $ 288 At December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 1,706 $ 1,947 $ - $ 1,952 $ 8 Residential real estate: Residential 3,703 4,069 - 3,754 60 Construction - - - - - Commercial real estate: Commercial 12,210 12,840 - 12,397 209 Construction 1,295 1,352 - 1,315 - Home equities 1,515 1,741 - 1,565 23 Consumer and other - - - - - Total impaired loans $ 20,429 $ 21,949 $ - $ 20,983 $ 300 At December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 4,779 $ 4,993 $ 994 $ 4,938 $ 25 Residential real estate: Residential - - - - - Construction - - - - - Commercial real estate: Commercial 2,943 2,953 153 2,943 10 Construction 1,556 1,556 386 1,556 53 Home equities 109 109 11 109 1 Consumer and other 3 3 3 3 - Total impaired loans $ 9,390 $ 9,614 $ 1,547 $ 9,549 $ 89 At December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 6,485 $ 6,940 $ 994 $ 6,890 $ 33 Residential real estate: Residential 3,703 4,069 - 3,754 60 Construction - - - - - Commercial real estate: Commercial 15,153 15,793 153 15,340 219 Construction 2,851 2,908 386 2,871 53 Home equities 1,624 1,850 11 1,674 24 Consumer and other 3 3 3 3 - Total impaired loans $ 29,819 $ 31,563 $ 1,547 $ 30,532 $ 389
Loans Classified As Troubled Debt Restructurings	September 30, 2021 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,055 $ 1,055 $ - $ 2 Residential real estate: Residential 1,001 629 372 - Construction - - - - Commercial real estate: Commercial and multi-family 3,235 - 3,235 - Construction - - - - Home equities 500 109 391 - Consumer and other - - - - Total TDR loans $ 5,791 $ 1,793 $ 3,998 $ 2 December 31, 2020 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,722 $ 1,722 $ - $ 370 Residential real estate: Residential 1,632 587 1,045 - Construction - - - - Commercial real estate: Commercial and multi-family 3,408 2,915 493 - Construction - - - - Home equities 552 124 428 - Consumer and other - - - - Total TDR loans $ 7,314 $ 5,348 $ 1,966 $ 370
TDR Activity By Type Of Concession Granted To Borrower	Nine months ended September 30, 2021 Nine months ended September 30, 2020 (Recorded Investment in thousands) (Recorded Investment in thousands) Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial and Industrial - $ - $ - - $ - $ - Residential Real Estate & Construction: Combination of concessions - - - 1 56 56 Extension of maturity and interest rate reduction - - - 1 97 97 Commercial Real Estate & Construction - - - - - - Home Equities Consumer and other loans - - - - - -

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2021
Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	Balance at June 30, 2021 Net Change Balance at September 30, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 230 $ ( 1,530 ) $ ( 1,300 ) Net defined benefit pension plan adjustments ( 2,965 ) 75 ( 2,890 ) Total $ ( 2,735 ) $ ( 1,455 ) $ ( 4,190 ) Balance at June 30, 2020 Net Change Balance at September 30, 2020 (in thousands) Net unrealized gain (loss) on investment securities $ 3,545 $ ( 833 ) $ 2,712 Net defined benefit pension plan adjustments ( 2,928 ) 90 ( 2,838 ) Total $ 617 $ ( 743 ) $ ( 126 ) Balance at December 31, 2020 Net Change Balance at September 30, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 2,397 $ ( 3,697 ) $ ( 1,300 ) Net defined benefit pension plan adjustments ( 3,116 ) 226 ( 2,890 ) Total $ ( 719 ) $ ( 3,471 ) $ ( 4,190 ) Balance at December 31, 2019 Net Change Balance at September 30, 2020 (in thousands) Net unrealized gain on investment securities $ 522 $ 2,190 $ 2,712 Net defined benefit pension plan adjustments ( 3,105 ) 267 ( 2,838 ) Total $ ( 2,583 ) $ 2,457 $ ( 126 )
Components Of Other Comprehensive Income	Three months ended September 30, 2021 Three months ended September 30, 2020 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized loss on investment securities $ ( 2,066 ) $ 536 $ ( 1,530 ) $ ( 455 ) $ 116 $ ( 339 ) Reclassification from accumulated other comprehensive income for gain on sale of securities - - - ( 667 ) 173 ( 494 ) Net change ( 2,066 ) 536 ( 1,530 ) ( 1,122 ) 289 ( 833 ) Defined benefit pension plan adjustments: Amortization of prior service cost 7 ( 2 ) 5 7 ( 1 ) 6 Amortization of actuarial loss 95 ( 25 ) 70 113 ( 29 ) 84 Net change 102 ( 27 ) 75 120 ( 30 ) 90 Other comprehensive loss $ ( 1,964 ) $ 509 $ ( 1,455 ) $ ( 1,002 ) $ 259 $ ( 743 ) Nine months ended September 30, 2021 Nine months ended September 30, 2020 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized (loss) gain on investment securities: Unrealized (loss) gain on investment securities $ ( 4,995 ) $ 1,298 $ ( 3,697 ) $ 3,623 $ ( 939 ) $ 2,684 Reclassification from accumulated other comprehensive income for gain on sale of securities - - - ( 667 ) 173 ( 494 ) Net change ( 4,995 ) 1,298 ( 3,697 ) 2,956 ( 766 ) 2,190 Defined benefit pension plan adjustments: Amortization of prior service cost 23 ( 7 ) 16 23 ( 6 ) 17 Amortization of actuarial loss 285 ( 75 ) 210 339 ( 89 ) 250 Net change 308 ( 82 ) 226 362 ( 95 ) 267 Other comprehensive (loss) income $ ( 4,687 ) $ 1,216 $ ( 3,471 ) $ 3,318 $ ( 861 ) $ 2,457

Net Periodic Benefit Costs (Tab

Net Periodic Benefit Costs (Tables)	9 Months Ended
	Sep. 30, 2021
Net Periodic Benefit Costs [Abstract]
Schedule Of Net Periodic Benefit Cost	Three months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2021 2020 2021 2020 Service cost $ - $ - $ 37 $ 38 Interest cost 41 50 25 38 Expected return on plan assets ( 89 ) ( 81 ) - - Amortization of prior service cost - - 7 7 Amortization of the net loss 24 25 71 88 Net periodic (benefit) cost $ ( 24 ) $ ( 6 ) $ 140 $ 171 Nine months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2021 2020 2021 2020 Service cost $ - $ - $ 112 $ 116 Interest cost 122 151 75 114 Expected return on plan assets ( 266 ) ( 244 ) - - Amortization of prior service cost - - 23 23 Amortization of the net loss 72 76 213 263 Net periodic (benefit) cost $ ( 72 ) $ ( 17 ) $ 423 $ 516

Revenue Recognition Of Non-In_3

Revenue Recognition Of Non-Interest Income (Tables)	9 Months Ended
	Sep. 30, 2021
Revenue Recognition Of Non-Interest Income [Abstract]
Schedule Of Disaggregation Of Insurance Service And Other Fees	Three months ended September 30, 2021 2020 (in thousands) Commercial property and casualty insurance commissions $ 1,426 $ 1,439 Personal property and casualty insurance commissions 856 890 Employee benefits sales commissions 231 245 Profit sharing and contingent revenue 410 375 Wealth management and other financial services 161 164 Insurance claims services revenue 77 84 Other insurance-related revenue 30 20 Total insurance service and other fees $ 3,191 $ 3,217 Nine months ended September 30, 2021 2020 (in thousands) Commercial property and casualty insurance commissions $ 3,248 $ 3,261 Personal property and casualty insurance commissions 2,517 2,611 Employee benefits sales commissions 692 993 Profit sharing and contingent revenue 1,029 733 Wealth management and other financial services 508 407 Insurance claims services revenue 236 201 Other insurance-related revenue 120 103 Total insurance service and other fees $ 8,350 $ 8,309

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	9 Months Ended
	Sep. 30, 2021
Financial Instruments Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2021 Securities available-for-sale: US treasuries and government agencies $ - $ 85,581 $ - $ 85,581 States and political subdivisions - 6,472 - 6,472 Mortgage-backed securities - 161,435 - 161,435 Mortgage servicing rights - - 930 930 December 31, 2020 Securities available-for-sale: US treasuries and government agencies $ - $ 68,098 $ - $ 68,098 States and political subdivisions - 7,524 - 7,524 Mortgage-backed securities - 86,774 - 86,774 Mortgage servicing rights - - 917 917
Quantitative Information About Significant Unobservable Inputs For MSRs	September 30, 2021 December 31, 2020 Servicing fees 0.25 % 0.25 % Discount rate 9.01 % 9.04 % Prepayment rate (CPR) 8.09 % 9.73 %
Financial Instruments Measured At Fair Value On Nonrecurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2021 Collateral dependent impaired loans $ - $ - $ 7,149 $ 7,149 December 31, 2020 Collateral dependent impaired loans $ - $ - $ 7,496 $ 7,496
Estimated Fair Values Of Financial Instruments	September 30, 2021 December 31, 2020 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 191,723 $ 191,723 $ 97,604 $ 97,604 Level 2: Available for sale securities 253,488 253,488 162,396 162,396 FHLB and FRB stock 6,301 N/A 5,793 N/A Level 3: Held to maturity securities 4,733 4,755 4,204 4,271 Loans, net 1,596,111 1,619,511 1,673,379 1,720,878 Mortgage servicing rights 930 930 917 917 Financial liabilities: Level 1: Demand deposits $ 502,689 $ 502,689 $ 436,157 $ 436,157 NOW deposits 253,124 253,124 230,751 230,751 Savings deposits 942,147 942,147 825,947 825,947 Level 2: Securities sold under agreement to repurchase 4,016 4,016 4,093 4,093 Other borrowed funds 36,599 36,891 44,698 45,547 Subordinated debt 30,949 32,350 30,872 31,394 Level 3: Time deposits 178,083 178,481 278,554 280,059
Mortgage Servicing Rights [Member]
Summary Of Changes In Fair Value At Level 3	Three months ended September 30, (in thousands) 2021 2020 Mortgage servicing rights - July 1 $ 993 $ 1,031 Losses included in earnings ( 63 ) ( 89 ) Additions from loan sales - 65 Mortgage servicing rights - September 30 $ 930 $ 1,007 Nine months ended September 30, (in thousands) 2021 2020 Mortgage servicing rights - January 1 $ 917 $ 555 Gains/(Losses) included in earnings 13 ( 289 ) Additions from business combinations - 639 Additions from loan sales - 102 Mortgage servicing rights - September 30 $ 930 $ 1,007

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Sep. 30, 2021
Segment Information [Abstract]
Schedule Of Business Segments	Three months ended September 30, 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 18,165 $ ( 2 ) $ 18,163 Provision (credit) for loan losses ( 1,459 ) - ( 1,459 ) Net interest income (expense) after provision for loan losses 19,624 ( 2 ) 19,622 Insurance service and fees 141 3,050 3,191 Other non-interest income 1,966 - 1,966 Amortization expense 6 129 135 Other non-interest expense 13,382 1,876 15,258 Income before income taxes 8,343 1,043 9,386 Income tax provision 2,135 272 2,407 Net income $ 6,208 $ 771 $ 6,979 Three months ended September 30, 2020 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 15,644 $ ( 2 ) $ 15,642 Provision for loan losses 1,881 - 1,881 Net interest income (expense) after provision for loan losses 13,763 ( 2 ) 13,761 Insurance service and fees 162 3,055 3,217 Other non-interest income 2,636 4 2,640 Amortization expense 6 130 136 Other non-interest expense 12,372 1,960 14,332 Income before income taxes 4,183 967 5,150 Income tax provision 354 252 606 Net income $ 3,829 $ 715 $ 4,544 Nine months ended September 30, 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 53,118 $ ( 8 ) $ 53,110 Provision (credit) for loan losses ( 1,906 ) - ( 1,906 ) Net interest income (expense) after provision for loan losses 55,024 ( 8 ) 55,016 Insurance service and fees 456 7,894 8,350 Other non-interest income 5,787 4 5,791 Amortization expense 16 389 405 Other non-interest expense 38,603 5,926 44,529 Income before income taxes 22,648 1,575 24,223 Income tax provision 5,669 410 6,079 Net income $ 16,979 $ 1,165 $ 18,144 Nine months ended September 30, 2020 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 43,359 $ ( 8 ) $ 43,351 Provision for loan losses 5,477 - 5,477 Net interest income (expense) after provision for loan losses 37,882 ( 8 ) 37,874 Insurance service and fees 395 7,914 8,309 Other non-interest income 5,121 4 5,125 Amortization expense 11 389 400 Other non-interest expense 38,917 6,033 44,950 Income before income taxes 4,470 1,488 5,958 Income tax provision 354 387 741 Net income $ 4,116 $ 1,101 $ 5,217

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	9 Months Ended
	Sep. 30, 2021
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	September 30, December 31, 2021 2020 (in thousands) Commitments to extend credit $ 379,736 $ 359,152 Standby letters of credit 4,764 3,803 Total $ 384,500 $ 362,955

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Narrative) (Details)	9 Months Ended
	Sep. 30, 2021entity
Organization And Summary Of Significant Accounting Policies [Abstract]
Number of subsidiaries	2

Acquisitions (Narrative) (Detai

Acquisitions (Narrative) (Details) $ in Thousands	May 01, 2020USD ($)itemshares	Apr. 30, 2020USD ($)	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)
Business Acquisition [Line Items]
Paid in cash				$ 6,490
Buildings [Member]
Business Acquisition [Line Items]
Estimated useful life			39 years
Improvements And Equipment [Member]
Business Acquisition [Line Items]
Estimated useful life			10 years
Core Deposit Intangibles [Member]
Business Acquisition [Line Items]
Estimated useful life			10 years
FSB [Member]
Business Acquisition [Line Items]
Number of operated banking offices | item	5
FSB [Member]
Business Acquisition [Line Items]
Paid in cash	$ 17,100
Fair value of shares issued		$ 11,700
Merger-related expenses			$ 0	$ 6,000
FSB [Member] | Evans Common Stock [Member]
Business Acquisition [Line Items]
Shares issued of common stock | shares	422,475
As Recorded By FSB [Member]
Business Acquisition [Line Items]
Total assets	$ 321,712
Net loans receivable	272,100
Securities	21,371
Total liabilities	293,059
Deposits	237,688
Borrowings	50,597
As Recorded At Acquisition [Member]
Business Acquisition [Line Items]
Total assets	323,164
Securities	21,477
Total liabilities	296,076
Deposits	239,173
Borrowings	52,526
Goodwill, Acquisition	1,800
As Recorded At Acquisition [Member] | Core Deposit Intangibles [Member]
Business Acquisition [Line Items]
Intangible Assets, Acquisition	$ 200

Acquisitions (Schedule Of Asset

Acquisitions (Schedule Of Assets Acquired And Liabilities Assumed) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	May 01, 2020
Business Acquisition [Line Items]
Operating lease right-of-use asset	$ 5,056	$ 5,282
Operating lease liability	5,449	5,694
Goodwill recorded in merger	$ 12,713	$ 12,713
As Recorded By FSB [Member]
Business Acquisition [Line Items]
Cash and due from banks			$ 1,978
Interest-bearing deposit at banks			9,339
Securities			21,371
FHLB Stock			2,614
Loans receivable			273,869
Allowance for loan losses			(1,706)
Premises and equipment			2,303
Bank owned life insurance			3,891
Operating lease right-of-use asset			2,020
Other assets			6,033
Total assets acquired			321,712
Deposits			237,688
Other borrowed funds			50,597
Operating lease liability			2,217
Other liabilities			2,557
Total liabilities assumed			293,059
Fair Value Adjustments [Member]
Business Acquisition [Line Items]
Securities			106
Loans receivable			(2,484)
Allowance for loan losses			1,706
Premises and equipment			(56)
Intangible assets			166
Operating lease right-of-use asset			374
Other assets			1,640
Total assets acquired			1,452
Deposits			1,485
Other borrowed funds			1,929
Operating lease liability			176
Other liabilities			(573)
Total liabilities assumed			3,017
As Recorded At Acquisition [Member]
Business Acquisition [Line Items]
Cash and due from banks			1,978
Interest-bearing deposit at banks			9,339
Securities			21,477
FHLB Stock			2,614
Loans receivable			271,385
Premises and equipment			2,247
Intangible assets			166
Bank owned life insurance			3,891
Operating lease right-of-use asset			2,394
Other assets			7,673
Total assets acquired			323,164
Deposits			239,173
Other borrowed funds			52,526
Operating lease liability			2,393
Other liabilities			1,984
Total liabilities assumed			296,076
Net assets acquired			27,088
Purchase price			28,856
Goodwill recorded in merger			$ 1,768

Acquisitions (Schedule Of Selec

Acquisitions (Schedule Of Selected Pro Forma Financial Information) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Business Acquisition [Line Items]
Net interest income after provision	$ 19,302	$ 17,766	$ 56,848	$ 50,658
Non-interest income	5,157	5,857	14,141	13,434
Non-interest expense	15,393	14,468	44,934	45,350
Net income	$ 6,979	4,544	$ 18,144	5,217
FSB [Member]
Business Acquisition [Line Items]
Net interest income after provision		13,250		40,014
Non-interest income		5,857		14,023
Non-interest expense		13,944		42,905
Net income		$ 4,554		$ 9,046

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities pledged as collateral	$ 216,000		$ 216,000		$ 135,000
Proceeds from sale of investment securities		$ 23,300
Gross realized gains (losses) from sales of investment securities	0	$ 700	0	$ 700
Other-than-temporary impairment charges	$ 0		$ 0		$ 0
Minimum [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Contractual maturities duration	10 years		10 years

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 255,244	$ 159,157
Available for Sale, Unrealized Gains	2,058	3,583
Available for Sale, Unrealized Losses	(3,814)	(344)
Available for Sale, Fair Value	253,488	162,396
Held to Maturity, Amortized Cost	4,733	4,204
Held to Maturity, Unrealized Gains	22	67
Held to Maturity, Fair Value	4,755	4,271
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	93,377	74,981
Available for Sale, Unrealized Gains	514	900
Available for Sale, Unrealized Losses	(1,838)	(259)
Available for Sale, Fair Value	92,053	75,622
Held to Maturity, Amortized Cost	4,733
Held to Maturity, Fair Value	4,755
US Treasuries And Government Agencies [Member] | Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	87,010	67,619
Available for Sale, Unrealized Gains	404	731
Available for Sale, Unrealized Losses	(1,833)	(252)
Available for Sale, Fair Value	85,581	68,098
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	161,867	84,176
Available for Sale, Unrealized Gains	1,544	2,683
Available for Sale, Unrealized Losses	(1,976)	(85)
Available for Sale, Fair Value	161,435	86,774
Mortgage-Backed Securities [Member] | FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	58,943	24,265
Available for Sale, Unrealized Gains	449	654
Available for Sale, Unrealized Losses	(778)	(50)
Available for Sale, Fair Value	58,614	24,869
Mortgage-Backed Securities [Member] | FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	23,577	3,739
Available for Sale, Unrealized Gains	93	111
Available for Sale, Unrealized Losses	(305)	(1)
Available for Sale, Fair Value	23,365	3,849
Mortgage-Backed Securities [Member] | GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	21,093	2,006
Available for Sale, Unrealized Gains	23	58
Available for Sale, Unrealized Losses	(340)	(1)
Available for Sale, Fair Value	20,776	2,063
Mortgage-Backed Securities [Member] | SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	18,694	20,949
Available for Sale, Unrealized Gains	582	914
Available for Sale, Unrealized Losses	(39)	(33)
Available for Sale, Fair Value	19,237	21,830
Mortgage-Backed Securities [Member] | CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	39,560	33,217
Available for Sale, Unrealized Gains	397	946
Available for Sale, Unrealized Losses	(514)
Available for Sale, Fair Value	39,443	34,163
States and Political Subdivisions [Member] | Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	6,367	7,362
Available for Sale, Unrealized Gains	110	169
Available for Sale, Unrealized Losses	(5)	(7)
Available for Sale, Fair Value	6,472	7,524
Held to Maturity, Amortized Cost	4,733	4,204
Held to Maturity, Unrealized Gains	22	67
Held to Maturity, Fair Value	$ 4,755	$ 4,271

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 255,244	$ 159,157
Total securities available for sale, Estimated fair value	253,488	162,396
Held to Maturity, Amortized Cost	4,733	4,204
Held to maturity, Estimated fair value	4,755	4,271
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities available for sale, Amortized cost	161,867
Total securities designated as available for sale, Amortized Cost	161,867	84,176
Mortgage-backed securities available for sale, Estimated fair value	161,435
Total securities available for sale, Estimated fair value	161,435	86,774
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Debt securities available for sale, Due in one year or less, Amortized cost	972
Debt securities available for sale, Due after one year through five years, Amortized cost	11,793
Debt securities available for sale, Due after five years through ten years, Amortized cost	42,519
Debt securities available for sale, Due after ten years, Amortized cost	38,093
Total securities designated as available for sale, Amortized Cost	93,377
Total securities designated as available for sale, Amortized Cost	93,377	74,981
Debt securities available for sale, Due in one year or less, Estimated fair value	977
Debt securities available for sale, Due after one year through five years, Estimated fair value	12,121
Debt securities available for sale, Due after five years through ten years, Estimated fair value	42,409
Debt securities available for sale, Due after ten years, Estimated fair value	36,546
Debt securities available for sale, Estimated fair value	92,053
Total securities available for sale, Estimated fair value	92,053	$ 75,622
Debt securities held to maturity, Due in one year or less, Amortized cost	3,883
Debt securities held to maturity, Due after one year through five years, Amortized cost	442
Debt securities held to maturity, Due after five years through ten years, Amortized cost	339
Debt securities held to maturity, Due after ten years, Amortized cost	69
Held to Maturity, Amortized Cost	4,733
Debt securities held to maturity, Due in one year or less, Estimated fair value	3,884
Debt securites held to maturity, Due after one year through five years, Estimated fair value	457
Debt securites held to maturity, Due after five years through ten years, Estimated fair value	340
Debt securities held to maturity, Due after ten years, Estimated fair value	74
Held to maturity, Estimated fair value	$ 4,755

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 135,893	$ 37,819
Total temporarily impaired securities, 12 months or longer, Fair Value	25,789	2,963
Total temporarily impaired securities, Total, Fair Value	161,682	40,782
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(2,632)	(294)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(1,182)	(50)
Total temporarily impaired securities, Total, Unrealized Losses	(3,814)	(344)
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	100,126	3,811
Available for Sale, 12 months or longer, Fair Value	1,742	2,783
Available for Sale, Total, Fair Value	101,868	6,594
Available for Sale, Less than 12 months, Unrealized Losses	(1,943)	(41)
Available for Sale, 12 months or longer, Unrealized Losses	(33)	(44)
Available for Sale, Total, Unrealized Losses	(1,976)	(85)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	35,432	34,008
Available for Sale, 12 months or longer, Fair Value	24,047	180
Available for Sale, Total, Fair Value	59,479	34,188
Available for Sale, Less than 12 months, Unrealized Losses	(689)	(253)
Available for Sale, 12 months or longer, Unrealized Losses	(1,149)	(6)
Available for Sale, Total, Unrealized Losses	(1,838)	(259)
Debt Securities [Member] | US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	35,432	33,801
Available for Sale, 12 months or longer, Fair Value	23,845
Available for Sale, Total, Fair Value	59,277	33,801
Available for Sale, Less than 12 months, Unrealized Losses	(689)	(252)
Available for Sale, 12 months or longer, Unrealized Losses	(1,144)
Available for Sale, Total, Unrealized Losses	(1,833)	(252)
Debt Securities [Member] | States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value		207
Available for Sale, 12 months or longer, Fair Value	202	180
Available for Sale, Total, Fair Value	202	387
Available for Sale, Less than 12 months, Unrealized Losses		(1)
Available for Sale, 12 months or longer, Unrealized Losses	(5)	(6)
Available for Sale, Total, Unrealized Losses	(5)	(7)
Held To Maturity, Less than 12 months, Fair Value	335
Held To Maturity, Total, Fair Value	335
FNMA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	40,345	3,354
Available for Sale, 12 months or longer, Fair Value	171	1,391
Available for Sale, Total, Fair Value	40,516	4,745
Available for Sale, Less than 12 months, Unrealized Losses	(777)	(39)
Available for Sale, 12 months or longer, Unrealized Losses	(1)	(11)
Available for Sale, Total, Unrealized Losses	(778)	(50)
FHLMC [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	17,490	182
Available for Sale, 12 months or longer, Fair Value	78
Available for Sale, Total, Fair Value	17,568	182
Available for Sale, Less than 12 months, Unrealized Losses	(305)	(1)
Available for Sale, Total, Unrealized Losses	(305)	(1)
GNMA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	19,548	154
Available for Sale, 12 months or longer, Fair Value	146
Available for Sale, Total, Fair Value	19,694	154
Available for Sale, Less than 12 months, Unrealized Losses	(339)	(1)
Available for Sale, 12 months or longer, Unrealized Losses	(1)
Available for Sale, Total, Unrealized Losses	(340)	(1)
SBA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	2,841
Available for Sale, 12 months or longer, Fair Value	1,347	1,392
Available for Sale, Total, Fair Value	4,188	1,392
Available for Sale, Less than 12 months, Unrealized Losses	(8)
Available for Sale, 12 months or longer, Unrealized Losses	(31)	(33)
Available for Sale, Total, Unrealized Losses	(39)	(33)
CMO [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	19,902	121
Available for Sale, Total, Fair Value	19,902	$ 121
Available for Sale, Less than 12 months, Unrealized Losses	(514)
Available for Sale, Total, Unrealized Losses	$ (514)

Loans And The Allowance For L_3

Loans And The Allowance For Loan Losses (Narrative) (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)contractloan	Sep. 30, 2020USD ($)contract	Dec. 31, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
PPP fees recognized interest income	$ 2.1	$ 0.9	$ 6.3	$ 1.5
Outstanding principal balance	0.8		0.8		$ 0.9
Acquired credit-impaired loans	0.8		0.8		0.8
Hotel loan portfolio	79		$ 79
Total percentage of hotel loan in total commercial loans			5.20%
Total criticized assets increase	121		$ 121		140
Period of timely payments before reversion to accruing status			6 months
Out Of Criticized Loan Category [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Hotel loan portfolio	20		$ 20
Nonaccruing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Hotel loan portfolio	$ 2.2		$ 2.2
PPP Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Fixed rate	1.00%		1.00%
Deferred payment period			10 months
Paycheck Protection Program Loans, total			$ 222
Fees collected			$ 12.4
PPP Loans [Member] | Before June 5, 2020 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term			2 years
PPP Loans [Member] | On Or After June 5, 2020 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term			5 years
Residential Mortgages [Member] | FSB [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	$ 75		$ 75
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loan modifications | contract
Principal balances on loan modification
Commercial And Industrial [Member] | CARES Act [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loan modifications | loan			381
Principal balances on loan modification			$ 368
Commercial And Industrial [Member] | PPP Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Paycheck Protection Program Loans, total			$ 298
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loan modifications | contract
Principal balances on loan modification
Consumer And Other Loans [Member] | CARES Act [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loan modifications | loan			298
Principal balances on loan modification			$ 37
FHLBNY [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	639		639		630
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	139		139		171
Mortgage servicing rights	0.9		0.9		0.9
Mortgage loans held-for-sale	0.3		0.3		$ 0.8
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FHLMC Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	0	0	0	0
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FNMA Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	0	$ 7.2	0	$ 15
Loan servicing portfolio principal balance	64		$ 64
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loan modifications | contract
Principal balances on loan modification
Maximum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Valuation allowances, acquired credit-impaired loans	$ 0.1		$ 0.1

Loans And The Allowance For L_4

Loans And The Allowance For Loan Losses (Schedule Of Loan Portfolio Composition) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	$ 1,618,338	$ 1,698,798
Unaccreted yield adjustments	(4,176)	(5,004)
Total gross loans	1,614,162	1,693,794
Allowance for loan losses	(18,051)	(20,415)
Loans, net	1,596,111	1,673,379
PPP Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unaccreted yield adjustments	3,200	4,600
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	284,894	430,350
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	336	151
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unaccreted yield adjustments	(4,200)	(5,000)
Total Real Estate Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	1,333,108	1,268,297
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	409,191	372,860
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	403,413	365,351
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	5,778	7,509
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	842,846	812,835
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	717,274	706,276
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	125,572	106,559
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	81,071	82,602
Total Real Estate Loans [Member] | Home Equity Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	$ 81,071	$ 82,602

Loans And The Allowance For L_5

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Credit Quality Indicators Of Certain Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 1,618,338	$ 1,698,798
Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,333,108	1,268,297
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	842,846	812,835
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	521,710	376,874
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	217,634	317,279
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	39,711	19,697
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	63,791	98,985
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	125,572	106,559
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	89,124	59,020
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	16,893	17,218
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	8,224	2,041
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	11,331	28,280
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	717,274	706,276
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	432,586	317,854
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	200,741	300,061
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	31,487	17,656
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	52,460	70,705
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	284,894	430,350
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	204,311	314,322
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	62,647	95,117
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	7,663	6,555
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	10,273	14,356
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans

Loans And The Allowance For L_6

Loans And The Allowance For Loan Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	$ 1,584,705	$ 1,625,664
Non-accruing Loans	24,987	27,884
Total Balance	1,618,338	1,698,798
Unaccreted yield adjustments	(4,176)	(5,004)
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	516	34,786
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	7,654	10,230
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	476	234
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	275,206	419,409
Non-accruing Loans	5,487	6,485
Total Balance	284,894	430,350
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	155	4,240
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,846	122
Commercial And Industrial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	200	94
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	333	111
Non-accruing Loans		3
Total Balance	336	151
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2	6
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1	14
Consumer And Other Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		17
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unaccreted yield adjustments	(4,200)	(5,000)
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	409,191	372,860
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	842,846	812,835
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	79,602	80,044
Non-accruing Loans	1,037	1,196
Total Balance	81,071	82,602
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	309	744
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	123	604
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		14
Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	1,333,108	1,268,297
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	397,902	357,135
Non-accruing Loans	3,556	2,689
Total Balance	403,413	365,351
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	50	4,156
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,905	1,262
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		109
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	705,201	667,426
Non-accruing Loans	11,650	14,660
Total Balance	717,274	706,276
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		20,024
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	147	4,166
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	276
Mortgages [Member] | Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	81,071	82,602
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	5,778	7,509
Total Balance	5,778	7,509
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	120,683	94,030
Non-accruing Loans	3,257	2,851
Total Balance	125,572	106,559
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		5,616
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,632	$ 4,062

Loans And The Allowance For L_7

Loans And The Allowance For Loan Losses (Schedule Of Allowance For Loan Losses According To Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	$ 19,942	$ 18,754	$ 20,415	$ 15,175
Allowance for loan losses: Charge-offs	(453)	(143)	(544)	(225)
Allowance for loan losses: Recoveries	21	109	86	174
Allowance for loan losses: Provision(Credit)	(1,459)	1,881	(1,906)	5,477
Allowance for loan losses: Ending balance	18,051	20,601	18,051	20,601
Allowance for loan losses: Loans acquired with deteriorated credit quality	42		42
Allowance for loan losses: Individually evaluated for impairment	660		660		1,547
Allowance for loan losses: Collectively evaluated for impairment	17,349		17,349		18,868
Allowance for loan losses: Total	18,051	20,601	18,051	20,601	20,415
Loans: Loans acquired with deteriorated credit quality	812		812		860
Loans: Individually evaluated for impairment	28,173		28,173		28,990
Loans: Collectively evaluated for impairment	1,589,353		1,589,353		1,668,948
Total	1,618,338		1,618,338		1,698,798
Unaccreted yield adjustments	(4,176)		(4,176)		(5,004)
Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unaccreted yield adjustments	(4,200)		(4,200)		(5,000)
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance			4,882
Allowance for loan losses: Ending balance	3,153		3,153
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	132		132		994
Allowance for loan losses: Collectively evaluated for impairment	3,021		3,021		3,888
Allowance for loan losses: Total	3,153		3,153		4,882
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment	5,487		5,487		6,485
Loans: Collectively evaluated for impairment	279,407		279,407		423,865
Total	284,894		284,894		430,350
Commercial And Industrial [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	3,790	5,260	4,882	4,547
Allowance for loan losses: Charge-offs	(424)	(124)	(424)	(143)
Allowance for loan losses: Recoveries	15	105	58	141
Allowance for loan losses: Provision(Credit)	(228)	(23)	(1,363)	673
Allowance for loan losses: Ending balance	3,153	5,218	3,153	5,218
Allowance for loan losses: Total	3,153	5,218	3,153	5,218	4,882
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	13,925	11,625	13,249	9,005
Allowance for loan losses: Charge-offs		(5)		(5)
Allowance for loan losses: Recoveries				11
Allowance for loan losses: Provision(Credit)	(1,555)	1,843	(879)	4,452
Allowance for loan losses: Ending balance	12,370	13,463	12,370	13,463
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	478		478		539
Allowance for loan losses: Collectively evaluated for impairment	11,892		11,892		12,710
Allowance for loan losses: Total	12,370	13,463	12,370	13,463	13,249
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment	18,142		18,142		18,004
Loans: Collectively evaluated for impairment	824,704		824,704		794,831
Total	842,846		842,846		812,835
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	58	233	45	155
Allowance for loan losses: Charge-offs	(29)	(14)	(120)	(44)
Allowance for loan losses: Recoveries	4	4	26	22
Allowance for loan losses: Provision(Credit)	(12)	(187)	70	(97)
Allowance for loan losses: Ending balance	21	36	21	36
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment					3
Allowance for loan losses: Collectively evaluated for impairment	21		21		42
Allowance for loan losses: Total	21	36	21	36	45
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment					3
Loans: Collectively evaluated for impairment	336		336		148
Total	336		336		151
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	1,694	1,147	1,658	1,071
Allowance for loan losses: Charge-offs				(29)
Allowance for loan losses: Recoveries
Allowance for loan losses: Provision(Credit)	259	218	295	323
Allowance for loan losses: Ending balance	1,953	1,365	1,953	1,365
Allowance for loan losses: Loans acquired with deteriorated credit quality	42		42
Allowance for loan losses: Individually evaluated for impairment	9		9
Allowance for loan losses: Collectively evaluated for impairment	1,902		1,902		1,658
Allowance for loan losses: Total	1,953	1,365	1,953	1,365	1,658
Loans: Loans acquired with deteriorated credit quality	812		812		860
Loans: Individually evaluated for impairment	3,116		3,116		2,874
Loans: Collectively evaluated for impairment	405,263		405,263		369,126
Total	409,191		409,191		372,860
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	475	489	581	397
Allowance for loan losses: Charge-offs				(4)
Allowance for loan losses: Recoveries	2		2
Allowance for loan losses: Provision(Credit)	77	30	(29)	126
Allowance for loan losses: Ending balance	554	519	554	519
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	41		41		11
Allowance for loan losses: Collectively evaluated for impairment	513		513		570
Allowance for loan losses: Total	554	$ 519	554	$ 519	581
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment	1,428		1,428		1,624
Loans: Collectively evaluated for impairment	79,643		79,643		80,978
Total	$ 81,071		$ 81,071		$ 82,602

Loans And The Allowance For L_8

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Impaired Loans) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 23,132	$ 20,429
Impaired Loans, Recorded Investment, With a related allowance recorded	5,809	9,390
Impaired Loans, Recorded Investment, Total	28,941	29,819
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	26,107	21,949
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	6,088	9,614
Impaired Loans, Unpaid Principal Balance, Total	32,195	31,563
Impaired Loans, Related Allowance	702	1,547
Impaired Loans, Average Recorded Investment, With no related allowance recorded	24,640	20,983
Impaired Loans, Average Recorded Investment, With a related allowance recorded	5,761	9,549
Impaired Loans, Average Recorded Investment, Total	30,401	30,532
Impaired Loans, Interest Income Recognized, With no related allowance recorded	259	300
Impaired Loans, Interest Income Recognized, With a related allowance recorded	29	89
Impaired Loans, Interest Income Recognized, Total	288	389
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	4,050	1,706
Impaired Loans, Recorded Investment, With a related allowance recorded	1,437	4,779
Impaired Loans, Recorded Investment, Total	5,487	6,485
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	4,775	1,947
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	1,502	4,993
Impaired Loans, Unpaid Principal Balance, Total	6,277	6,940
Impaired Loans, Related Allowance	132	994
Impaired Loans, Average Recorded Investment, With no related allowance recorded	4,217	1,952
Impaired Loans, Average Recorded Investment, With a related allowance recorded	1,440	4,938
Impaired Loans, Average Recorded Investment, Total	5,657	6,890
Impaired Loans, Interest Income Recognized, With no related allowance recorded	3	8
Impaired Loans, Interest Income Recognized, With a related allowance recorded	26	25
Impaired Loans, Interest Income Recognized, Total	29	33
Consumer And Other Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded
Impaired Loans, Recorded Investment, With a related allowance recorded		3
Impaired Loans, Recorded Investment, Total		3
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded		3
Impaired Loans, Unpaid Principal Balance, Total		3
Impaired Loans, Related Allowance		3
Impaired Loans, Average Recorded Investment, With no related allowance recorded
Impaired Loans, Average Recorded Investment, With a related allowance recorded		3
Impaired Loans, Average Recorded Investment, Total		3
Impaired Loans, Interest Income Recognized, With no related allowance recorded
Impaired Loans, Interest Income Recognized, With a related allowance recorded
Impaired Loans, Interest Income Recognized, Total
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	3,054	3,703
Impaired Loans, Recorded Investment, With a related allowance recorded	830
Impaired Loans, Recorded Investment, Total	3,884	3,703
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	3,387	4,069
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	905
Impaired Loans, Unpaid Principal Balance, Total	4,292	4,069
Impaired Loans, Related Allowance	51
Impaired Loans, Average Recorded Investment, With no related allowance recorded	4,043	3,754
Impaired Loans, Average Recorded Investment, With a related allowance recorded	713
Impaired Loans, Average Recorded Investment, Total	4,756	3,754
Impaired Loans, Interest Income Recognized, With no related allowance recorded	21	60
Impaired Loans, Interest Income Recognized, With a related allowance recorded	1
Impaired Loans, Interest Income Recognized, Total	22	60
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded
Impaired Loans, Recorded Investment, With a related allowance recorded
Impaired Loans, Recorded Investment, Total
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded
Impaired Loans, Unpaid Principal Balance, Total
Impaired Loans, Related Allowance
Impaired Loans, Average Recorded Investment, With no related allowance recorded
Impaired Loans, Average Recorded Investment, With a related allowance recorded
Impaired Loans, Average Recorded Investment, Total
Impaired Loans, Interest Income Recognized, With no related allowance recorded
Impaired Loans, Interest Income Recognized, With a related allowance recorded
Impaired Loans, Interest Income Recognized, Total
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	14,709	12,210
Impaired Loans, Recorded Investment, With a related allowance recorded	176	2,943
Impaired Loans, Recorded Investment, Total	14,885	15,153
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	16,394	12,840
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	197	2,953
Impaired Loans, Unpaid Principal Balance, Total	16,591	15,793
Impaired Loans, Related Allowance	25	153
Impaired Loans, Average Recorded Investment, With no related allowance recorded	14,820	12,397
Impaired Loans, Average Recorded Investment, With a related allowance recorded	194	2,943
Impaired Loans, Average Recorded Investment, Total	15,014	15,340
Impaired Loans, Interest Income Recognized, With no related allowance recorded	228	209
Impaired Loans, Interest Income Recognized, With a related allowance recorded		10
Impaired Loans, Interest Income Recognized, Total	228	219
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded		1,295
Impaired Loans, Recorded Investment, With a related allowance recorded	3,257	1,556
Impaired Loans, Recorded Investment, Total	3,257	2,851
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded		1,352
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	3,375	1,556
Impaired Loans, Unpaid Principal Balance, Total	3,375	2,908
Impaired Loans, Related Allowance	453	386
Impaired Loans, Average Recorded Investment, With no related allowance recorded		1,315
Impaired Loans, Average Recorded Investment, With a related allowance recorded	3,305	1,556
Impaired Loans, Average Recorded Investment, Total	3,305	2,871
Impaired Loans, Interest Income Recognized, With no related allowance recorded
Impaired Loans, Interest Income Recognized, With a related allowance recorded	2	53
Impaired Loans, Interest Income Recognized, Total	2	53
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	1,319	1,515
Impaired Loans, Recorded Investment, With a related allowance recorded	109	109
Impaired Loans, Recorded Investment, Total	1,428	1,624
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	1,551	1,741
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	109	109
Impaired Loans, Unpaid Principal Balance, Total	1,660	1,850
Impaired Loans, Related Allowance	41	11
Impaired Loans, Average Recorded Investment, With no related allowance recorded	1,560	1,565
Impaired Loans, Average Recorded Investment, With a related allowance recorded	109	109
Impaired Loans, Average Recorded Investment, Total	1,669	1,674
Impaired Loans, Interest Income Recognized, With no related allowance recorded	7	23
Impaired Loans, Interest Income Recognized, With a related allowance recorded		1
Impaired Loans, Interest Income Recognized, Total	$ 7	$ 24

Loans And The Allowance For L_9

Loans And The Allowance For Loan Losses (Loans Classified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Modifications [Line Items]
Total	$ 5,791	$ 7,314
Related Allowance	2	370
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	1,055	1,722
Related Allowance	2	370
Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Related Allowance
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Total	1,793	5,348
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	1,055	1,722
Nonaccruing [Member] | Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Total	3,998	1,966
Accruing [Member] | Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	500	552
Related Allowance
Total Real Estate Loans [Member] | Nonaccruing [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	109	124
Total Real Estate Loans [Member] | Accruing [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	391	428
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	1,001	1,632
Related Allowance
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	3,235	3,408
Related Allowance
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	629	587
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total		2,915
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	372	1,045
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	3,235	493
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Related Allowance
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Related Allowance
Construction [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Construction [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Construction [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Construction [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total

Loans And The Allowance For _10

Loans And The Allowance For Loan Losses (TDR Activity By Type Of Concession Granted To Borrower) (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2020USD ($)contract	Sep. 30, 2021USD ($)contract	Sep. 30, 2020USD ($)contract
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Residential Mortgages [Member] | Total Real Estate Loans [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1		1
Pre-Modification Outstanding Recorded Investment	$ 97		$ 97
Post-Modification Outstanding Recorded Investment	$ 97		$ 97
Residential Mortgages [Member] | Total Real Estate Loans [Member] | Combination Of Concessions [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract			1
Pre-Modification Outstanding Recorded Investment			$ 56
Post-Modification Outstanding Recorded Investment			$ 56
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment

Common Equity And Earnings Pe_2

Common Equity And Earnings Per Share Data (Narrative) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Common Equity And Earnings Per Share Data [Abstract]
Weighted average number of shares outstanding, dilutive	57,705	18,955	52,128	35,564
Potentially anti-dilutive shares outstanding	39,390	150,783	80,614	81,770

Other Comprehensive Income (Sch

Other Comprehensive Income (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (2,735)	$ 617	$ (719)	$ (2,583)
Net Change	(1,455)	(743)	(3,471)	2,457
Ending Balance	(4,190)	(126)	(4,190)	(126)
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	230	3,545	2,397	522
Net Change	(1,530)	(833)	(3,697)	2,190
Ending Balance	(1,300)	2,712	(1,300)	2,712
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(2,965)	(2,928)	(3,116)	(3,105)
Net Change	75	90	226	267
Ending Balance	$ (2,890)	$ (2,838)	$ (2,890)	$ (2,838)

Other Comprehensive Income (Com

Other Comprehensive Income (Components Of Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Unrealized (loss) gain on investment securities:
Unrealized (loss) gain on investment securities, Before-Tax Amount	$ (2,066)	$ (455)	$ (4,995)	$ 3,623
Unrealized (loss) gain on investment securities, Income Tax (Provision) Benefit	536	116	1,298	(939)
Unrealized (loss) gain on investment securities, Net-of-Tax Amount	(1,530)	(339)	(3,697)	2,684
Reclassification from accumulated other comprehensive income for gain on sale of securities, Before-Tax Amount		(667)		(667)
Reclassification from accumulated other comprehensive income for gain on sale of securities, Income Tax (Provision) Benefit		173		173
Reclassification from accumulated other comprehensive income for gain on sale of securities, Net-of-Tax Amount		(494)		(494)
Other Comprehensive (Loss) Income, Available-for-sale Securities Adjustment, before Tax	(2,066)	(1,122)	(4,995)	2,956
Other Comprehensive (Loss) Income, Available-for-sale Securities, Tax	536	289	1,298	(766)
Net change, Net-of-Tax Amount	(1,530)	(833)	(3,697)	2,190
Defined benefit pension plan adjustments:
Amortization of prior service cost, Before-Tax Amount	7	7	23	23
Amortization of prior service cost, Income Tax (Provision) Benefit	(2)	(1)	(7)	(6)
Amortization of prior service cost, Net-of-Tax Amount	5	6	16	17
Amortization of actuarial loss, Before-Tax Amount	95	113	285	339
Amortization of actuarial loss, Income Tax (Provision) Benefit	(25)	(29)	(75)	(89)
Amortization of actuarial loss, Net-of-Tax Amount	70	84	210	250
Net change, Before-Tax Amount	102	120	308	362
Net change, Income Tax (Provision) Benefit	(27)	(30)	(82)	(95)
Total	75	90	226	267
Other comprehensive (loss) income, Before-Tax Amount	(1,964)	(1,002)	(4,687)	3,318
Other comprehensive (loss) income, Income Tax (Provision) Benefit	509	259	1,216	(861)
OTHER COMPREHENSIVE (LOSS) INCOME, NET OF TAX	$ (1,455)	$ (743)	$ (3,471)	$ 2,457

Net Periodic Benefit Costs (Sch

Net Periodic Benefit Costs (Schedule Of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Pension [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 41	$ 50	$ 122	$ 151
Expected return on plan assets	(89)	(81)	(266)	(244)
Amortization of the net loss	24	25	72	76
Net periodic (benefit) cost	(24)	(6)	(72)	(17)
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	37	38	112	116
Interest cost	25	38	75	114
Amortization of prior service cost	7	7	23	23
Amortization of the net loss	71	88	213	263
Net periodic (benefit) cost	$ 140	$ 171	$ 423	$ 516

Revenue Recognition Of Non-In_4

Revenue Recognition Of Non-Interest Income (Schedule Of Disaggregation Of Insurance Service And Other Fees) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 3,191	$ 3,217	$ 8,350	$ 8,309
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	1,426	1,439	3,248	3,261
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	856	890	2,517	2,611
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	231	245	692	993
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	410	375	1,029	733
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	161	164	508	407
Insurance Claims Services Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	77	84	236	201
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 30	$ 20	$ 120	$ 103

Fair Value Measurement (Narrati

Fair Value Measurement (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans, allowance for loan loss	$ 702	$ 1,547
Consumer Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Period past due for loan appraisals	90 days
Nonrecurring [Member] | Impaired Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans, gross	$ 7,600	8,800
Impaired loans, allowance for loan loss	$ 500	$ 1,300

Fair Value Measurement (Financi

Fair Value Measurement (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 253,488	$ 162,396
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights	930	917
Recurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights	930	917
Recurring [Member] | US Treasuries And Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	85,581	68,098
Recurring [Member] | US Treasuries And Government Agencies [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	85,581	68,098
Recurring [Member] | States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	6,472	7,524
Recurring [Member] | States and Political Subdivisions [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	6,472	7,524
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	161,435	86,774
Recurring [Member] | Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 161,435	$ 86,774

Fair Value Measurement (Summary

Fair Value Measurement (Summary Of Changes In Fair Value At Level 3, Mortgage Servicing Rights) (Details) - Mortgage Servicing Rights [Member] - Level 3 [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Mortgage servicing rights, beginning	$ 993	$ 1,031	$ 917	$ 555
Gains/(Losses) included in earnings	(63)	(89)	13	(289)
Additions from business combinations				639
Additions from loan sales		65		102
Mortgage servicing rights, ending	$ 930	$ 1,007	$ 930	$ 1,007

Fair Value Measurement (Quantit

Fair Value Measurement (Quantitative Information About Significant Unobservable Inputs For MSRs) (Details) - Mortgage Servicing Rights [Member] - Level 3 [Member]	Sep. 30, 2021	Dec. 31, 2020
Servicing Fees [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement of unobservable input (as a percent)	0.25	0.25
Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement of unobservable input (as a percent)	9.01	9.04
Prepayment Rate (CPR) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement of unobservable input (as a percent)	8.09	9.73

Fair Value Measurement (Finan_2

Fair Value Measurement (Financial Instruments Measured At Fair Value On Nonrecurring Basis) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 7,149	$ 7,496
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 7,149	$ 7,496

Fair Value Measurement (Estimat

Fair Value Measurement (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 253,488	$ 162,396
Held to maturity securities	4,755	4,271
Demand deposits	502,689	436,157
NOW deposits	253,124	230,751
Savings deposits	942,147	825,947
Time deposits	178,083	278,554
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	191,723	97,604
Demand deposits	502,689	436,157
NOW deposits	253,124	230,751
Savings deposits	942,147	825,947
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	253,488	162,396
FHLB and FRB stock	6,301	5,793
Securities sold under agreement to repurchase	4,016	4,093
Other borrowed funds	36,599	44,698
Subordinated debt	30,949	30,872
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	4,733	4,204
Loans, net	1,596,111	1,673,379
Mortgage servicing rights	930	917
Time deposits	178,083	278,554
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	191,723	97,604
Demand deposits	502,689	436,157
NOW deposits	253,124	230,751
Savings deposits	942,147	825,947
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	253,488	162,396
FHLB and FRB stock
Securities sold under agreement to repurchase	4,016	4,093
Other borrowed funds	36,891	45,547
Subordinated debt	32,350	31,394
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	4,755	4,271
Loans, net	1,619,511	1,720,878
Mortgage servicing rights	930	917
Time deposits	$ 178,481	$ 280,059

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)segment	Sep. 30, 2020USD ($)
Number of primary business segments | segment			2
Net interest income (expense)	$ 18,163	$ 15,642	$ 53,110	$ 43,351
Provision (credit) for loan losses	(1,459)	1,881	(1,906)	5,477
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	19,622	13,761	55,016	37,874
Insurance service and fees	3,191	3,217	8,350	8,309
Other non-interest income	5,157	5,857	14,141	13,434
Amortization expense	135	136	405	400
Other non-interest expense	15,393	14,468	44,934	45,350
INCOME BEFORE INCOME TAXES	9,386	5,150	24,223	5,958
Income tax provision	2,407	606	6,079	741
NET INCOME	6,979	4,544	18,144	5,217
Operating Segments [Member]
Net interest income (expense)	18,163	15,642	53,110	43,351
Provision (credit) for loan losses	(1,459)	1,881	(1,906)	5,477
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	19,622	13,761	55,016	37,874
Insurance service and fees	3,191	3,217	8,350	8,309
Other non-interest income	1,966	2,640	5,791	5,125
Amortization expense	135	136	405	400
Other non-interest expense	15,258	14,332	44,529	44,950
INCOME BEFORE INCOME TAXES	9,386	5,150	24,223	5,958
Income tax provision	2,407	606	6,079	741
NET INCOME	6,979	4,544	18,144	5,217
Banking Activities [Member] | Operating Segments [Member]
Net interest income (expense)	18,165	15,644	53,118	43,359
Provision (credit) for loan losses	(1,459)	1,881	(1,906)	5,477
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	19,624	13,763	55,024	37,882
Insurance service and fees	141	162	456	395
Other non-interest income	1,966	2,636	5,787	5,121
Amortization expense	6	6	16	11
Other non-interest expense	13,382	12,372	38,603	38,917
INCOME BEFORE INCOME TAXES	8,343	4,183	22,648	4,470
Income tax provision	2,135	354	5,669	354
NET INCOME	6,208	3,829	16,979	4,116
Insurance Agency Activities [Member] | Operating Segments [Member]
Net interest income (expense)	(2)	(2)	(8)	(8)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	(2)	(2)	(8)	(8)
Insurance service and fees	3,050	3,055	7,894	7,914
Other non-interest income		4	4	4
Amortization expense	129	130	389	389
Other non-interest expense	1,876	1,960	5,926	6,033
INCOME BEFORE INCOME TAXES	1,043	967	1,575	1,488
Income tax provision	272	252	410	387
NET INCOME	$ 771	$ 715	$ 1,165	$ 1,101

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Contingent Liabilities And Commitments [Abstract]
Losses on commitments	$ 0	$ 0
Reserve for commitments	$ 0	$ 0

Contingent Liabilities And Co_4

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 384,500	$ 362,955
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	379,736	359,152
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 4,764	$ 3,803