Evans Bancorp (EVBN) 10-Q 28 Oct 22 2022 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Oct. 28, 2022
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Fiscal Period Focus	Q3
Document Period End Date	Sep. 30, 2022
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		5,513,950
Amendment Flag	false
Entity Central Index Key	0000842518
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 14,394	$ 9,856
Interest-bearing deposits at banks	6,813	234,929
Securities:
Available for sale, at fair value (amortized cost: $433,206 at September 30, 2022; $310,228 at December 31, 2021)	369,141	305,959
Held to maturity, at amortized cost (fair value: $7,413 at September 30, 2022; $3,179 at December 31, 2021)	7,572	3,165
Federal Home Loan Bank common stock, at cost	3,664	3,045
Federal Reserve Bank common stock, at cost	3,066	3,039
Loans, net of allowance for loan losses of $18,630 at September 30, 2022 and $18,438 at December 31, 2021	1,607,827	1,553,467
Properties and equipment, net of accumulated depreciation of $11,224 at September 30, 2022 and $10,283 at December 31, 2021	17,103	17,789
Goodwill	12,702	12,702
Intangible assets	1,327	1,627
Bank-owned life insurance	41,605	34,295
Operating lease right-of-use asset	4,127	4,826
Other assets	40,364	25,941
TOTAL ASSETS	2,129,705	2,210,640
Deposits:
Demand	558,805	492,864
NOW	263,648	259,908
Savings	913,383	1,019,925
Time	137,910	164,340
Total deposits	1,873,746	1,937,037
Securities sold under agreement to repurchase	9,812	4,112
Other borrowings	42,594	32,879
Operating lease liability	4,471	5,210
Other liabilities	18,181	16,536
Subordinated debt	31,050	30,974
Total liabilities	1,979,854	2,026,748
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,534,477 and 5,482,756 shares issued at September 30, 2022 and December 31, 2021, respectively, and 5,509,917 and 5,482,756 shares outstanding at September 30, 2022 and December 31, 2021, respectively.	2,770	2,744
Capital surplus	80,435	78,795
Treasury stock, at cost, 24,560 and 0 shares at September 30, 2022 and December 31, 2021, respectively	(849)
Retained earnings	117,319	108,024
Accumulated other comprehensive income (loss), net of tax	(49,824)	(5,671)
Total stockholders' equity	149,851	183,892
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,129,705	$ 2,210,640

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities:
Available for sale, amortized cost	$ 433,206	$ 310,228
Held to maturity, fair value	7,413	3,179
Loans, allowance for loan losses	18,630	18,438
Properties and equipment, accumulated depreciation	$ 11,224	$ 10,283
STOCKHOLDERS' EQUITY:
Common stock, par value	$ 0.50	$ 0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	5,534,477	5,482,756
Common stock, shares outstanding	5,509,917	5,482,756
Treasury stock, shares	24,560	0

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
INTEREST INCOME
Loans	$ 17,988	$ 18,096	$ 50,540	$ 53,675
Interest-bearing deposits at banks	217	64	513	99
Securities:
Taxable	2,190	1,087	5,851	2,907
Non-taxable	92	55	197	167
Total interest income	20,487	19,302	57,101	56,848
INTEREST EXPENSE
Deposits	755	650	1,903	2,272
Other borrowings	83	84	172	258
Subordinated debt	461	405	1,285	1,208
Total interest expense	1,299	1,139	3,360	3,738
NET INTEREST INCOME	19,188	18,163	53,741	53,110
PROVISION (CREDIT) FOR LOAN LOSSES	1,328	(1,459)	1,816	(1,906)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	17,860	19,622	51,925	55,016
NON-INTEREST INCOME
Deposit service charges	782	664	2,177	1,843
Insurance service and fees	3,383	3,191	8,249	8,350
Bank-owned life insurance	161	158	486	493
Interchange fee income	532	548	1,563	1,585
Other	909	596	2,335	1,870
Total non-interest income	5,767	5,157	14,810	14,141
NON-INTEREST EXPENSE
Salaries and employee benefits	10,450	9,930	29,356	28,339
Occupancy	1,118	1,126	3,429	3,490
Advertising and public relations	417	434	1,034	1,102
Professional services	839	840	2,554	2,788
Technology and communications	1,339	1,327	3,750	4,023
Amortization of intangibles	100	135	300	405
FDIC insurance	255	285	775	864
Other	1,273	1,316	3,837	3,923
Total non-interest expense	15,791	15,393	45,035	44,934
INCOME BEFORE INCOME TAXES	7,836	9,386	21,700	24,223
INCOME TAX PROVISION	1,972	2,407	5,354	6,079
NET INCOME	$ 5,864	$ 6,979	$ 16,346	$ 18,144
Net income per common share-basic	$ 1.06	$ 1.28	$ 2.97	$ 3.34
Net income per common share-diluted	$ 1.06	$ 1.27	$ 2.95	$ 3.30
Weighted average number of common shares outstanding	5,510,118	5,459,076	5,505,936	5,438,708
Weighted average number of diluted shares outstanding	5,546,764	5,516,781	5,548,508	5,490,836

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Consolidated Statements Of Comprehensive (Loss) Income [Abstract]
NET INCOME	$ 5,864	$ 6,979	$ 16,346	$ 18,144
Unrealized (loss) gain on available-for-sale securities
Unrealized (loss) gain on available-for-sale securities:	(15,581)	(1,530)	(44,319)	(3,697)
Defined benefit pension plans:
Amortization of prior service cost	6	5	16	16
Amortization of actuarial loss	50	70	150	210
Total	56	75	166	226
OTHER COMPREHENSIVE (LOSS) INCOME , NET OF TAX:	(15,525)	(1,455)	(44,153)	(3,471)
COMPREHENSIVE (LOSS) INCOME	$ (9,661)	$ 5,524	$ (27,807)	$ 14,673

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]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2020	$ 2,708	$ 76,394	$ 90,522	$ (719)		$ 168,905
Net income			18,144			18,144
Other comprehensive income (loss)				(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 (loss)				(1,455)		(1,455)
Cash dividends			(3,275)			(3,275)
Stock compensation expense		200				200
Issued shares under Dividend Reinvestment Plan	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
Balance at Dec. 31, 2021	2,744	78,795	108,024	(5,671)		183,892
Net income			16,346			16,346
Other comprehensive income (loss)				(44,153)		(44,153)
Cash dividends			(6,936)			(6,936)
Stock compensation expense		952				952
Issued restricted shares	9	(9)
Reissued shares under Dividend Reinvestment Plan	2	141				143
Issued shares in Employee Stock Purchase Plan	4	195				199
Issued shares in stock option exercises	11	361				372
Repurchased shares in treasury stock					$ (1,098)	(1,098)
Reissued restricted shares, net of forfeitures			(115)		249	134
Balance at Sep. 30, 2022	2,770	80,435	117,319	(49,824)	(849)	149,851
Balance at Jun. 30, 2022	2,769	80,072	114,982	(34,299)	(849)	162,675
Net income			5,864			5,864
Other comprehensive income (loss)				(15,525)		(15,525)
Cash dividends			(3,527)			(3,527)
Stock compensation expense		328				328
Issued shares in stock option exercises	1	35				36
Balance at Sep. 30, 2022	$ 2,770	$ 80,435	$ 117,319	$ (49,824)	$ (849)	$ 149,851

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 0.64	$ 0.60	$ 1.26	$ 1.20
Reissued restricted shares			6,660
Issued restricted shares	600
Issued restricted shares, net of forfeitures			18,844	7,971
Forfeitures shares of restricted stock	765		1,951
Issued shares under Dividend Reinvestment Plan		6,633		4,611
Issued shares in Employee Stock Purchase Plan		13,017		6,443
Issued shares in stock option exercises	1,419		22,270	19,715
Repurchased shares in treasury stock			29,269
Issued shares for earnout				13,017
Reissued shares under Dividend Reinvestment Plan			3,705
Reissued shares in stock option exercises			6,902

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
OPERATING ACTIVITIES:
Interest received	$ 55,607	$ 53,464
Fees received	14,424	13,271
Interest paid	(3,607)	(4,674)
Cash paid to employees and vendors	(46,166)	(43,964)
Income taxes paid	(3,327)	(5,086)
Proceeds from sale of loans held for sale	4,719
Originations of loans held for sale	(4,529)	(262)
Net cash provided by operating activities	17,121	12,749
Available For Sales Securities:
Purchases	(144,413)	(124,683)
Proceeds from sales, maturities, calls, and payments	20,806	27,680
Held to maturity securities:
Purchases	(6,581)	(3,562)
Proceeds from maturities, calls, and payments	2,174	3,034
Cash paid for bank-owned life insurance	(6,830)
Proceeds from bank-owned life insurance claims	378
Additions to properties and equipment	(654)	(901)
Proceeds from tax credit investment	191
Sale of other real estate	17	129
Net (increase) decrease in loans	(54,670)	85,896
Cash paid for earnout		(900)
Net cash used in investing activities	(189,582)	(13,307)
FINANCING ACTIVITIES:
Repayments from long-term borrowings, net	(12,402)	(6,891)
Proceeds (repayments) from short-term borrowings, net	28,200	(769)
Net (decrease) increase in deposits	(63,256)	105,040
Dividends paid	(3,409)	(3,257)
Repurchase of treasury stock	(1,098)
Issuance of common stock	714	554
Reissuance of treasury stock	134
Net cash (used in) provided by financing activities	(51,117)	94,677
Net (decrease) increase in cash and cash equivalents	(223,578)	94,119
CASH AND CASH EQUIVALENTS:
Beginning of period	244,785	97,604
End of period	21,207	191,723
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	16,346	18,144
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,270	1,481
Deferred tax expense	348	970
Provision (credit) for loan losses	1,816	(1,906)
Loss on sales of assets	5	22
Gain on loans sold	(92)
Stock compensation expense	952	634
Proceeds from sale of loans held for sale	4,719
Originations of loans held for sale	(4,529)	(262)
Changes in assets and liabilities affecting cash flow:
Other assets	(3,003)	(6,724)
Other liabilities	(711)	390
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 17,121	$ 12,749

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2022
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, 2022 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, 2021 (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.

Securities

Securities	9 Months Ended
	Sep. 30, 2022
Securities [Abstract]
Securities	2. SECURITIES The amortized cost of securities and their approximate fair value at September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 166,351 $ 2 $ ( 25,289 ) $ 141,064 States and political subdivisions 23,573 2 ( 1,721 ) 21,854 Total debt securities 189,924 4 ( 27,010 ) 162,918 Mortgage-backed securities: FNMA 76,916 - ( 13,272 ) 63,644 FHLMC 47,544 - ( 7,160 ) 40,384 GNMA 40,741 - ( 6,019 ) 34,722 SBA 23,044 - ( 2,397 ) 20,647 CMO 55,037 - ( 8,211 ) 46,826 Total mortgage-backed securities 243,282 - ( 37,059 ) 206,223 Total securities designated as available for sale $ 433,206 $ 4 $ ( 64,069 ) $ 369,141 Held to Maturity: Debt securities States and political subdivisions $ 7,572 $ - $ ( 159 ) $ 7,413 Total securities designated as held to maturity $ 7,572 $ - $ ( 159 ) $ 7,413 December 31, 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 99,005 $ 199 $ ( 2,386 ) $ 96,818 States and political subdivisions 6,150 96 - 6,246 Total debt securities 105,155 295 ( 2,386 ) 103,064 Mortgage-backed securities: FNMA 64,056 222 ( 1,068 ) 63,210 FHLMC 38,796 62 ( 424 ) 38,434 GNMA 31,814 15 ( 615 ) 31,214 SBA 17,919 343 ( 54 ) 18,208 CMO 52,488 175 ( 834 ) 51,829 Total mortgage-backed securities 205,073 817 ( 2,995 ) 202,895 Total securities designated as available for sale $ 310,228 $ 1,112 $ ( 5,381 ) $ 305,959 Held to Maturity: Debt securities States and political subdivisions $ 3,165 $ 17 $ ( 3 ) $ 3,179 Total securities designated as held to maturity $ 3,165 $ 17 $ ( 3 ) $ 3,179 Available for sale securities with a total fair value of $ 244 million and $ 207 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at September 30, 2022 and December 31, 2021, respectively. The scheduled maturities of debt and mortgage-backed securities at September 30, 2022 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, 2022 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 6,839 $ 6,769 Due after one year through five years 79,801 73,585 Due after five years through ten years 74,294 62,431 Due after ten years 28,990 20,133 189,924 162,918 Mortgage-backed securities available for sale 243,282 206,223 Total $ 433,206 $ 369,141 Debt securities held to maturity: Due in one year or less $ 6,665 $ 6,615 Due after one year through five years 495 456 Due after five years through ten years 412 342 Due after ten years - - Total $ 7,572 $ 7,413 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, 2022 and 2021. Management has assessed the securities available for sale in an unrealized loss position at September 30, 2022 and December 31, 2021 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 nine month period ended September 30, 2022 and did no t record any OTTI charges during 2021. 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. Information regarding unrealized losses within the Company’s available for sale securities at September 30, 2022 and December 31, 2021 is summarized below. September 30, 2022 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 $ 91,283 $ ( 9,992 ) $ 48,781 $ ( 15,297 ) $ 140,064 $ ( 25,289 ) States and political subdivisions 20,748 ( 1,721 ) - - 20,748 ( 1,721 ) Total debt securities 112,031 ( 11,713 ) 48,781 ( 15,297 ) 160,812 ( 27,010 ) Mortgage-backed securities: FNMA 31,695 ( 5,178 ) 31,889 ( 8,094 ) 63,584 ( 13,272 ) FHLMC 24,908 ( 3,503 ) 15,458 ( 3,657 ) 40,366 ( 7,160 ) GNMA 20,125 ( 2,675 ) 14,597 ( 3,344 ) 34,722 ( 6,019 ) SBA 17,478 ( 1,966 ) 3,169 ( 431 ) 20,647 ( 2,397 ) CMO 29,286 ( 3,855 ) 17,540 ( 4,356 ) 46,826 ( 8,211 ) Total mortgage-backed securities 123,492 ( 17,177 ) 82,653 ( 19,882 ) 206,145 ( 37,059 ) Held to Maturity: Debt securities: States and political subdivisions 7,335 ( 149 ) 78 ( 10 ) 7,413 ( 159 ) Total temporarily impaired securities $ 242,858 $ ( 29,039 ) $ 131,512 $ ( 35,189 ) $ 374,370 $ ( 64,228 ) December 31, 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 $ 50,381 $ ( 884 ) $ 27,488 $ ( 1,502 ) $ 77,869 $ ( 2,386 ) States and political subdivisions - - - - - - Total debt securities 50,381 ( 884 ) 27,488 ( 1,502 ) 77,869 ( 2,386 ) Mortgage-backed securities: FNMA 48,008 ( 903 ) 2,941 ( 165 ) 50,949 ( 1,068 ) FHLMC 35,851 ( 423 ) 76 ( 1 ) 35,927 ( 424 ) GNMA 30,252 ( 615 ) 143 - 30,395 ( 615 ) SBA 2,824 ( 25 ) 1,218 ( 29 ) 4,042 ( 54 ) CMO 38,313 ( 833 ) 25 ( 1 ) 38,338 ( 834 ) Total mortgage-backed securities 155,248 ( 2,799 ) 4,403 ( 196 ) 159,651 ( 2,995 ) Held to Maturity: Debt securities: States and political subdivisions 1,782 ( 3 ) - - 1,782 ( 3 ) Total temporarily impaired securities $ 207,411 $ ( 3,686 ) $ 31,891 $ ( 1,698 ) $ 239,302 $ ( 5,384 )

Loans And The Allowance For Loa

Loans And The Allowance For Loan Losses	9 Months Ended
	Sep. 30, 2022
Loans And The Allowance For Loan Losses [Abstract]
Loans And The Allowance For Loan Losses	3. 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, 2022 December 31, 2021 Mortgage loans on real estate: (in thousands) Residential mortgages $ 433,102 $ 411,060 Commercial and multi-family 765,136 739,761 Construction-Residential 3,136 5,109 Construction-Commercial 103,763 98,012 Home equities 83,334 81,238 Total real estate loans 1,388,471 1,335,180 Commercial and industrial loans 238,093 237,077 Consumer and other loans 427 719 Unaccreted yield adjustments* ( 534 ) ( 1,071 ) Total gross loans 1,626,457 1,571,905 Allowance for loan losses ( 18,630 ) ( 18,438 ) Loans, net $ 1,607,827 $ 1,553,467 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated. At September 30, 2022, the outstanding principal balance and the carrying amount of acquired credit-impaired loans totaled $ 0.8 million and $ 0.7 million, respectively. At December 31, 2021, the outstanding principal balance and carrying amount of acquired credit-impaired loans totaled $ 0.8 million. There were no valuation allowances for specifically identified impairment attributable to acquired credit-impaired loans at September 30, 2022 or December 31, 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. There were $ 508 million and $ 619 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of September 30, 2022 and December 31, 2021, respectively. At September 30, 2022, the Company’s FHLMC loan serving portfolio had $ 61 million in principal balances of residential real estate loans that 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 month or nine month periods ending September 30, 2022 and 2021. The Company may also sell certain fixed rate residential mortgages to FNMA while maintaining the servicing rights for those mortgages. At September 30, 2022, the Company’s FNMA loan servicing portfolio was $ 59 million in principal balances. In the three month and nine month periods ended September 30, 2022, the Company sold $ 1.3 million and $ 4.8 million, respectively, of residential mortgages to FNMA. The Company did no t sell any mortgages to FNMA in the three and nine month periods ended September 30, 2021. At September 30, 2022 and December 31, 2021, the Company had loan servicing portfolio principal balances of $ 120 million and $ 131 million, respectively, upon which it earned servicing fees. The fair value of the mortgage servicing rights for that portfolio was $ 1.2 million and $ 0.9 million at September 30, 2022 and December 31, 2021, respectively. At September 30, 2022 no residential mortgages were held for sale. At December 31, 2021 there were $ 0.1 million of residential mortgages held for sale. 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 following tables provide data, at the class level, of credit quality indicators of certain loans for the dates specified: September 30, 2022 (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 $ 64,746 $ 547,332 $ 612,078 $ 175,101 Watch 19,505 165,144 184,649 46,557 Special Mention 6,943 21,453 28,396 9,555 Substandard 12,569 31,207 43,776 6,880 Doubtful/Loss - - - - Total $ 103,763 $ 765,136 $ 868,899 $ 238,093 December 31, 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 $ 65,211 $ 480,159 $ 545,370 $ 152,675 Watch 19,108 182,502 201,610 64,406 Special Mention 7,045 33,219 40,264 10,200 Substandard 6,648 43,881 50,529 9,796 Doubtful/Loss - - - - Total $ 98,012 $ 739,761 $ 837,773 $ 237,077 The Company continues to evaluate its portfolio of loans to clients within the hotel industry for residual impacts from the COVID-19 pandemic. The Company classified $ 81 million of loans to clients within the hotel industry as criticized in 2020. Subsequently, more than half of this portfolio has been upgraded or paid off. Currently, $ 38 million of the hotel portfolio remains in criticized status at the end of the 2022 third quarter. Total criticized assets were $ 89 and $ 111 million at September 30, 2022 and at the end of the 2021, respectively. 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, 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 229,785 $ 5,375 $ 30 $ 64 $ 2,839 $ 238,093 Residential real estate: Residential 428,009 - 1,371 - 3,722 433,102 Construction 3,136 - - - - 3,136 Commercial real estate: Commercial 754,993 750 203 - 9,190 765,136 Construction 87,302 5,958 875 774 8,854 103,763 Home equities 81,512 1,144 160 - 518 83,334 Consumer and other 414 8 4 1 - 427 Total Loans $ 1,585,151 $ 13,235 $ 2,643 $ 839 $ 25,123 $ 1,626,991 Note: Loan balances do not include $( 0.5 ) million of unaccreted yield adjustments as of September 30, 2022. December 31, 2021 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 229,724 $ 1,336 $ 568 $ 548 $ 4,901 $ 237,077 Residential real estate: Residential 402,992 3,466 1,563 - 3,039 411,060 Construction 5,109 - - - - 5,109 Commercial real estate: Commercial 711,481 16,451 6,073 - 5,756 739,761 Construction 93,842 757 - 480 2,933 98,012 Home equities 79,644 627 209 - 758 81,238 Consumer and other 706 9 4 - - 719 Total Loans $ 1,523,498 $ 22,646 $ 8,417 $ 1,028 $ 17,387 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) m illion of unaccreted yield adjustments as of December 31, 2021. 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, 2022 and 2021. Three months ended September 30, 2022 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 3,714 $ 12,305 $ 70 $ 2,164 $ 566 $ 18,819 Charge-offs ( 1,515 ) - ( 45 ) - - ( 1,560 ) Recoveries 40 - 3 - - 43 Provision 1,805 ( 603 ) 13 47 66 1,328 Ending balance $ 4,044 $ 11,702 $ 41 $ 2,211 $ 632 $ 18,630 *Includes construction loans 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 ( 228 ) ( 1,555 ) ( 12 ) 259 77 ( 1,459 ) Ending balance $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 * 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, 2022 and 2021. Nine months ended September 30, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Beginning balance $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Charge-offs ( 1,546 ) - ( 112 ) ( 55 ) - ( 1,713 ) Recoveries 76 - 13 - - 89 Provision (Credit) 2,205 ( 665 ) 86 139 51 1,816 Ending balance $ 4,044 $ 11,702 $ 41 $ 2,211 $ 632 $ 18,630 *Includes construction loans 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 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, 2022 and December 31, 2021: September 30, 2022 (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 2 2 - 66 39 109 Collectively evaluated for impairment 4,042 11,700 41 2,145 593 18,521 Total $ 4,044 $ 11,702 $ 41 $ 2,211 $ 632 $ 18,630 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 703 $ - $ 703 Individually evaluated for impairment 2,929 20,839 - 3,367 903 28,038 Collectively evaluated for impairment 235,164 848,060 427 432,168 82,431 1,598,250 Total $ 238,093 $ 868,899 $ 427 $ 436,238 $ 83,334 $ 1,626,991 Note: Loan balances do not include $( 0.5 ) million of unaccreted yield adjustments as of September 30, 2022. * Includes construction loans December 31, 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 $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 100 345 - 9 41 495 Collectively evaluated for impairment 3,209 12,022 54 2,118 540 17,943 Total $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 803 $ - $ 803 Individually evaluated for impairment 5,028 11,925 - 2,598 1,236 20,787 Collectively evaluated for impairment 232,049 825,848 719 412,768 80,002 1,551,386 Total $ 237,077 $ 837,773 $ 719 $ 416,169 $ 81,238 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) million of unaccreted yield adjustments as of December 31, 2021. * 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, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: Commercial and industrial $ 2,926 $ 3,551 $ - $ 4,874 $ 5,712 $ - Residential real estate: Residential 3,784 4,253 - 3,297 3,654 - Construction - - - - - - Commercial real estate: Commercial 11,814 12,150 - 8,821 9,338 - Construction 8,854 8,998 - 1,395 1,499 - Home equities 864 1,024 - 1,127 1,324 - Consumer and other - - - - - - Total impaired loans $ 28,242 $ 29,976 $ - $ 19,514 $ 21,527 $ - At September 30, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With a related allowance recorded: Commercial and industrial $ 3 $ 3 $ 2 $ 154 $ 158 $ 100 Residential real estate: Residential 245 245 66 60 60 9 Construction - - - - - - Commercial real estate: Commercial 171 197 2 171 717 16 Construction - - - 1,538 1,555 329 Home equities 39 66 39 109 109 41 Consumer and other - - - - - - Total impaired loans $ 458 $ 511 $ 109 $ 2,032 $ 2,599 $ 495 At September 30, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Total: Commercial and industrial $ 2,929 $ 3,554 $ 2 $ 5,028 $ 5,870 $ 100 Residential real estate: Residential 4,029 4,498 66 3,357 3,714 9 Construction - - - - - - Commercial real estate: Commercial 11,985 12,347 2 8,992 10,055 16 Construction 8,854 8,998 - 2,933 3,054 329 Home equities 903 1,090 39 1,236 1,433 41 Consumer and other - - - - - - Total impaired loans $ 28,700 $ 30,487 $ 109 $ 21,546 $ 24,126 $ 495 Three months ended September 30, 2022 Three months ended September 30, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Total: Commercial and industrial $ 3,681 $ 2 $ 5,755 $ - Residential real estate: Residential 3,972 - 3,894 5 Construction - - - - Commercial real estate: Commercial 12,533 6 15,044 165 Construction 5,113 - 3,331 - Home equities 932 4 1,440 3 Consumer and other - - - - Total impaired loans $ 26,231 $ 12 $ 29,464 $ 173 Nine months ended September 30, 2022 Nine months ended September 30, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Total: Commercial and industrial $ 4,251 $ 6 $ 5,657 $ 29 Residential real estate: Residential 3,735 12 4,756 22 Construction - - - - Commercial real estate: Commercial 10,785 183 15,014 228 Construction 3,881 - 3,305 2 Home equities 999 14 1,669 7 Consumer and other - - - - Total impaired loans $ 23,651 $ 215 $ 30,401 $ 288 Troubled debt restructurings The following tables summarize the loans that were classified as troubled debt restructurings (“TDRs”) as of the dates indicated: September 30, 2022 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,254 $ 1,164 $ 90 $ - Residential real estate: Residential 889 541 348 - Construction - - - - Commercial real estate: Commercial and multi-family 2,795 - 2,795 - Construction - - - - Home equities 390 5 385 - Consumer and other - - - - Total TDR loans $ 5,328 $ 1,710 $ 3,618 $ - December 31, 2021 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,003 $ 876 $ 127 $ - Residential real estate: Residential 989 627 362 - Construction - - - - Commercial real estate: Commercial and multi-family 3,236 - 3,236 - Construction - - - - Home equities 490 12 478 - Consumer and other - - - - Total TDR loans $ 5,718 $ 1,515 $ 4,203 $ - Any TDR that is placed on non-accrual status 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. During 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 following tables present TDR activity by the type of concession granted to the borrower for the nine month periods ended September 30, 2022 and 2021. There were no new TDR loans during the three month periods ended September 30, 2022 and 2021. Nine months ended September 30, 2022 Nine months ended September 30, 2021 (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: - $ - $ - - $ - $ - Extension of maturity 1 461 461 - - - Residential Real Estate & Construction: Commercial Real Estate & Construction - - - - - - Home Equities: Extension of maturity and interest rate reduction 1 38 38 - - - 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 month and nine month periods ended September 30, 2022 and 2021 were not material.

Common Equity And Earnings Per

Common Equity And Earnings Per Share Data	9 Months Ended
	Sep. 30, 2022
Common Equity And Earnings Per Share Data [Abstract]
Common Equity And Earnings Per Share Data	4. 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, 2022 the Company had an average of 36,646 and 42,572 dilutive shares outstanding, respectively. 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. 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. There was an average of 54,680 and 55,847 potentially anti-dilutive shares outstanding for the three and nine month periods ended September 30, 2022, respectively. 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. Potentially anti-dilutive shares outstanding were not included in calculating diluted earnings per share because their effect was anti-dilutive.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2022
Other Comprehensive Income (Loss) [Abstract]
Other Comprehensive Income (Loss)	5. OTHER COMPREHENSIVE INCOME (LOSS) The following tables summarize the changes in the components of accumulated other comprehensive income (loss) during the three and nine month periods ended September 30, 2022 and 2021: Balance at June 30, 2022 Net Change Balance at September 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 31,898 ) $ ( 15,581 ) $ ( 47,479 ) Net defined benefit pension plan adjustments ( 2,401 ) 56 ( 2,345 ) Total $ ( 34,299 ) $ ( 15,525 ) $ ( 49,824 ) 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 December 31, 2021 Net Change Balance at September 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 44,319 ) $ ( 47,479 ) Net defined benefit pension plan adjustments ( 2,511 ) 166 ( 2,345 ) Total $ ( 5,671 ) $ ( 44,153 ) $ ( 49,824 ) 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 ) Three months ended September 30, 2022 Three months ended September 30, 2021 (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 $ ( 21,016 ) $ 5,435 $ ( 15,581 ) $ ( 2,066 ) $ 536 $ ( 1,530 ) Defined benefit pension plan adjustments: Amortization of prior service cost 8 ( 2 ) 6 7 ( 2 ) 5 Amortization of actuarial loss 68 ( 18 ) 50 95 ( 25 ) 70 Net change 76 ( 20 ) 56 102 ( 27 ) 75 Other comprehensive loss $ ( 20,940 ) $ 5,415 $ ( 15,525 ) $ ( 1,964 ) $ 509 $ ( 1,455 ) Nine months ended September 30, 2022 Nine months ended September 30, 2021 (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 $ ( 59,796 ) $ 15,477 $ ( 44,319 ) $ ( 4,995 ) $ 1,298 $ ( 3,697 ) Defined benefit pension plan adjustments: Amortization of prior service cost 24 ( 8 ) 16 23 ( 7 ) 16 Amortization of actuarial loss 203 ( 53 ) 150 285 ( 75 ) 210 Net change 227 ( 61 ) 166 308 ( 82 ) 226 Other comprehensive loss $ ( 59,569 ) $ 15,416 $ ( 44,153 ) $ ( 4,687 ) $ 1,216 $ ( 3,471 )

Net Periodic Benefit Costs

Net Periodic Benefit Costs	9 Months Ended
	Sep. 30, 2022
Net Periodic Benefit Costs [Abstract]
Net Periodic Benefit Costs	6. 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, 2022 and 2021: Three months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2022 2021 2022 2021 Service cost $ - $ - $ 33 $ 37 Interest cost 44 41 31 25 Expected return on plan assets ( 88 ) ( 89 ) - - Amortization of prior service cost - - 8 7 Amortization of the net loss 24 24 44 71 Net periodic (benefit) cost $ ( 20 ) $ ( 24 ) $ 116 $ 140 Nine months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2022 2021 2022 2021 Service cost $ - $ - $ 99 $ 112 Interest cost 133 122 93 75 Expected return on plan assets ( 264 ) ( 266 ) - - Amortization of prior service cost - - 24 23 Amortization of the net loss 71 72 132 213 Net periodic (benefit) cost $ ( 60 ) $ ( 72 ) $ 348 $ 423 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, 2022
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition Of Non-Interest Income	7. 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.  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. FCS discontinued operations on December 31, 2021.  A disaggregation of the total insurance service and other fees for the three and nine months ended September 30, 2022 and 2021 is provided in the tables below: Three months ended September 30, 2022 2021 (in thousands) Commercial property and casualty insurance commissions $ 1,706 $ 1,426 Personal property and casualty insurance commissions 901 856 Employee benefits sales commissions 206 231 Profit sharing and contingent revenue 410 410 Wealth management and other financial services 137 161 Insurance claims services revenue - 77 Other insurance-related revenue 23 30 Total insurance service and other fees $ 3,383 $ 3,191 Nine months ended September 30, 2022 2021 (in thousands) Commercial property and casualty insurance commissions $ 3,525 $ 3,248 Personal property and casualty insurance commissions 2,554 2,517 Employee benefits sales commissions 649 692 Profit sharing and contingent revenue 971 1,029 Wealth management and other financial services 457 508 Insurance claims services revenue - 236 Other insurance-related revenue 93 120 Total insurance service and other fees $ 8,249 $ 8,350

Fair Value Measurement

Fair Value Measurement	9 Months Ended
	Sep. 30, 2022
Fair Value Measurement [Abstract]
Fair Value Measurement	8. 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, 2022 and December 31, 2021, respectively: (in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2022 Securities available-for-sale: US treasuries and government agencies $ - $ 141,064 $ - $ 141,064 States and political subdivisions - 21,854 - 21,854 Mortgage-backed securities - 206,223 - 206,223 December 31, 2021 Securities available-for-sale: US treasuries and government agencies $ - $ 96,818 $ - $ 96,818 States and political subdivisions - 6,246 - 6,246 Mortgage-backed securities - 202,895 - 202,895 Securities available for sale Fair values for available for sale securities are determined using independent pricing services and market-participating brokers. The Company utilizes a third-party for these pricing services. The third-party 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 third-party service provider’s 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, our third-party pricing service provider uses model processes, such as the Option Adjusted Spread model, 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 third-party, at times, may 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, as submitted by our third-party pricing service provider, in the market value of its securities 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 securities portfolio priced by a second pricing service to determine consistency with another market evaluator. If, on the Company’s review or in comparing with another servicer, a material difference between pricing evaluations were to exist, the Company may submit an inquiry to our third-party pricing 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 our third-party service provider’s 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. ASSETS AND LIABILITIES 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, 2022 and December 31, 2021: (in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2022 Collateral dependent impaired loans $ - $ - $ 1,146 $ 1,146 December 31, 2021 Collateral dependent impaired loans $ - $ - $ 4,608 $ 4,608 Impaired loans Collateral dependent loans carried at fair value have been partially charged-off or receive specific allocations of the allowance for credit losses. The Company evaluates and values collateral dependent 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 value 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, which ranges from 10%-50%. Fair value is estimated based on the value of the collateral securing these loans. 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 gross value of $ 1.2 million, with an allowance for loan loss of $ 0.1 million, at September 30, 2022 compared with $ 5.0 million and $ 0.4 million, respectively, at December 31, 2021. 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, 2022 December 31, 2021 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 21,207 $ 21,207 $ 244,785 $ 244,785 Level 2: Available for sale securities 369,141 369,141 305,959 305,959 FHLB and FRB stock 6,730 N/A 6,084 N/A Level 3: Held to maturity securities 7,572 7,413 3,165 3,179 Loans, net 1,607,827 1,518,516 1,553,467 1,573,420 Financial liabilities: Level 1: Demand deposits $ 558,805 $ 558,805 $ 492,864 $ 492,864 NOW deposits 263,648 263,648 259,908 259,908 Savings deposits 913,383 913,383 1,019,925 1,019,925 Level 2: Securities sold under agreement to repurchase 9,812 9,812 4,112 4,112 Other borrowed funds 42,594 41,902 32,879 32,990 Subordinated debt 31,050 30,906 30,974 32,111 Level 3: Time deposits 137,910 135,710 164,340 164,574

Segment Information

Segment Information	9 Months Ended
	Sep. 30, 2022
Segment Information [Abstract]
Segment Information	9. 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, 2022 and 2021. Three months ended September 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 19,188 $ - $ 19,188 Provision for loan losses 1,328 - 1,328 Net interest income after provision for loan losses 17,860 - 17,860 Insurance service and fees 134 3,249 3,383 Other non-interest income 2,384 - 2,384 Amortization expense 5 95 100 Other non-interest expense 13,750 1,941 15,691 Income before income taxes 6,623 1,213 7,836 Income tax provision 1,658 314 1,972 Net income $ 4,965 $ 899 $ 5,864 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 Nine months ended September 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 53,741 $ - $ 53,741 Provision for loan losses 1,816 - 1,816 Net interest income after provision for loan losses 51,925 - 51,925 Insurance service and fees 442 7,807 8,249 Other non-interest income 6,561 - 6,561 Amortization expense 15 285 300 Other non-interest expense 39,137 5,598 44,735 Income before income taxes 19,776 1,924 21,700 Income tax provision 4,855 499 5,354 Net income $ 14,921 $ 1,425 $ 16,346 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

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	9 Months Ended
	Sep. 30, 2022
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	10. 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, 2022 2021 (in thousands) Commitments to extend credit $ 397,799 $ 394,953 Standby letters of credit 10,657 4,636 Total $ 408,456 $ 399,589 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 2022 or during 2021. 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, 2022
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	11. 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 has contracted with a third-party software vendor to assist with the development of the Bank’s approach for determining expected credit losses under the new guidance. The Company is actively working on preliminary test calculations, data validation, as well as process and procedural documentation. While the total impact of CECL to the Company’s financial statements is unknown at this time, the Company recognizes it 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. The Company will adopt CECL effective January 1, 2023. ASU 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures – This ASU eliminates the accounting guidance for troubled debt restructurings ("TDRs") in ASC 310-40, "Receivables - Troubled Debt Restructurings by Creditors" for entities that have adopted the CECL model introduced by ASU 2016-13. ASU 2022-02 also requires that public business entities disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, "Financial Instruments—Credit Losses—Measured at Amortized Cost". The Company will adopt ASU 2022-02 effective January 1, 2023.

Organization And Summary Of S_2

Organization And Summary Of Significant Accounting Policies (Policy)	9 Months Ended
	Sep. 30, 2022
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, 2022 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, 2021 (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.

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2022
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	September 30, 2022 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 166,351 $ 2 $ ( 25,289 ) $ 141,064 States and political subdivisions 23,573 2 ( 1,721 ) 21,854 Total debt securities 189,924 4 ( 27,010 ) 162,918 Mortgage-backed securities: FNMA 76,916 - ( 13,272 ) 63,644 FHLMC 47,544 - ( 7,160 ) 40,384 GNMA 40,741 - ( 6,019 ) 34,722 SBA 23,044 - ( 2,397 ) 20,647 CMO 55,037 - ( 8,211 ) 46,826 Total mortgage-backed securities 243,282 - ( 37,059 ) 206,223 Total securities designated as available for sale $ 433,206 $ 4 $ ( 64,069 ) $ 369,141 Held to Maturity: Debt securities States and political subdivisions $ 7,572 $ - $ ( 159 ) $ 7,413 Total securities designated as held to maturity $ 7,572 $ - $ ( 159 ) $ 7,413 December 31, 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 99,005 $ 199 $ ( 2,386 ) $ 96,818 States and political subdivisions 6,150 96 - 6,246 Total debt securities 105,155 295 ( 2,386 ) 103,064 Mortgage-backed securities: FNMA 64,056 222 ( 1,068 ) 63,210 FHLMC 38,796 62 ( 424 ) 38,434 GNMA 31,814 15 ( 615 ) 31,214 SBA 17,919 343 ( 54 ) 18,208 CMO 52,488 175 ( 834 ) 51,829 Total mortgage-backed securities 205,073 817 ( 2,995 ) 202,895 Total securities designated as available for sale $ 310,228 $ 1,112 $ ( 5,381 ) $ 305,959 Held to Maturity: Debt securities States and political subdivisions $ 3,165 $ 17 $ ( 3 ) $ 3,179 Total securities designated as held to maturity $ 3,165 $ 17 $ ( 3 ) $ 3,179
Scheduled Maturities Of Debt And Mortgage-Backed Securities	September 30, 2022 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 6,839 $ 6,769 Due after one year through five years 79,801 73,585 Due after five years through ten years 74,294 62,431 Due after ten years 28,990 20,133 189,924 162,918 Mortgage-backed securities available for sale 243,282 206,223 Total $ 433,206 $ 369,141 Debt securities held to maturity: Due in one year or less $ 6,665 $ 6,615 Due after one year through five years 495 456 Due after five years through ten years 412 342 Due after ten years - - Total $ 7,572 $ 7,413
Unrealized Losses On Securities	September 30, 2022 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 $ 91,283 $ ( 9,992 ) $ 48,781 $ ( 15,297 ) $ 140,064 $ ( 25,289 ) States and political subdivisions 20,748 ( 1,721 ) - - 20,748 ( 1,721 ) Total debt securities 112,031 ( 11,713 ) 48,781 ( 15,297 ) 160,812 ( 27,010 ) Mortgage-backed securities: FNMA 31,695 ( 5,178 ) 31,889 ( 8,094 ) 63,584 ( 13,272 ) FHLMC 24,908 ( 3,503 ) 15,458 ( 3,657 ) 40,366 ( 7,160 ) GNMA 20,125 ( 2,675 ) 14,597 ( 3,344 ) 34,722 ( 6,019 ) SBA 17,478 ( 1,966 ) 3,169 ( 431 ) 20,647 ( 2,397 ) CMO 29,286 ( 3,855 ) 17,540 ( 4,356 ) 46,826 ( 8,211 ) Total mortgage-backed securities 123,492 ( 17,177 ) 82,653 ( 19,882 ) 206,145 ( 37,059 ) Held to Maturity: Debt securities: States and political subdivisions 7,335 ( 149 ) 78 ( 10 ) 7,413 ( 159 ) Total temporarily impaired securities $ 242,858 $ ( 29,039 ) $ 131,512 $ ( 35,189 ) $ 374,370 $ ( 64,228 ) December 31, 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 $ 50,381 $ ( 884 ) $ 27,488 $ ( 1,502 ) $ 77,869 $ ( 2,386 ) States and political subdivisions - - - - - - Total debt securities 50,381 ( 884 ) 27,488 ( 1,502 ) 77,869 ( 2,386 ) Mortgage-backed securities: FNMA 48,008 ( 903 ) 2,941 ( 165 ) 50,949 ( 1,068 ) FHLMC 35,851 ( 423 ) 76 ( 1 ) 35,927 ( 424 ) GNMA 30,252 ( 615 ) 143 - 30,395 ( 615 ) SBA 2,824 ( 25 ) 1,218 ( 29 ) 4,042 ( 54 ) CMO 38,313 ( 833 ) 25 ( 1 ) 38,338 ( 834 ) Total mortgage-backed securities 155,248 ( 2,799 ) 4,403 ( 196 ) 159,651 ( 2,995 ) Held to Maturity: Debt securities: States and political subdivisions 1,782 ( 3 ) - - 1,782 ( 3 ) Total temporarily impaired securities $ 207,411 $ ( 3,686 ) $ 31,891 $ ( 1,698 ) $ 239,302 $ ( 5,384 )

Loans And The Allowance For L_2

Loans And The Allowance For Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2022
Loans And The Allowance For Loan Losses [Abstract]
Schedule Of Loan Portfolio Composition	September 30, 2022 December 31, 2021 Mortgage loans on real estate: (in thousands) Residential mortgages $ 433,102 $ 411,060 Commercial and multi-family 765,136 739,761 Construction-Residential 3,136 5,109 Construction-Commercial 103,763 98,012 Home equities 83,334 81,238 Total real estate loans 1,388,471 1,335,180 Commercial and industrial loans 238,093 237,077 Consumer and other loans 427 719 Unaccreted yield adjustments* ( 534 ) ( 1,071 ) Total gross loans 1,626,457 1,571,905 Allowance for loan losses ( 18,630 ) ( 18,438 ) Loans, net $ 1,607,827 $ 1,553,467 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated.
Data, At Class Level, Of Credit Quality Indicators Of Certain Loans	September 30, 2022 (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 $ 64,746 $ 547,332 $ 612,078 $ 175,101 Watch 19,505 165,144 184,649 46,557 Special Mention 6,943 21,453 28,396 9,555 Substandard 12,569 31,207 43,776 6,880 Doubtful/Loss - - - - Total $ 103,763 $ 765,136 $ 868,899 $ 238,093 December 31, 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 $ 65,211 $ 480,159 $ 545,370 $ 152,675 Watch 19,108 182,502 201,610 64,406 Special Mention 7,045 33,219 40,264 10,200 Substandard 6,648 43,881 50,529 9,796 Doubtful/Loss - - - - Total $ 98,012 $ 739,761 $ 837,773 $ 237,077
Recorded Investment In Loans Past Due	September 30, 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 229,785 $ 5,375 $ 30 $ 64 $ 2,839 $ 238,093 Residential real estate: Residential 428,009 - 1,371 - 3,722 433,102 Construction 3,136 - - - - 3,136 Commercial real estate: Commercial 754,993 750 203 - 9,190 765,136 Construction 87,302 5,958 875 774 8,854 103,763 Home equities 81,512 1,144 160 - 518 83,334 Consumer and other 414 8 4 1 - 427 Total Loans $ 1,585,151 $ 13,235 $ 2,643 $ 839 $ 25,123 $ 1,626,991 Note: Loan balances do not include $( 0.5 ) million of unaccreted yield adjustments as of September 30, 2022. December 31, 2021 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 229,724 $ 1,336 $ 568 $ 548 $ 4,901 $ 237,077 Residential real estate: Residential 402,992 3,466 1,563 - 3,039 411,060 Construction 5,109 - - - - 5,109 Commercial real estate: Commercial 711,481 16,451 6,073 - 5,756 739,761 Construction 93,842 757 - 480 2,933 98,012 Home equities 79,644 627 209 - 758 81,238 Consumer and other 706 9 4 - - 719 Total Loans $ 1,523,498 $ 22,646 $ 8,417 $ 1,028 $ 17,387 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) m illion of unaccreted yield adjustments as of December 31, 2021.
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, 2022 and 2021. Three months ended September 30, 2022 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 3,714 $ 12,305 $ 70 $ 2,164 $ 566 $ 18,819 Charge-offs ( 1,515 ) - ( 45 ) - - ( 1,560 ) Recoveries 40 - 3 - - 43 Provision 1,805 ( 603 ) 13 47 66 1,328 Ending balance $ 4,044 $ 11,702 $ 41 $ 2,211 $ 632 $ 18,630 *Includes construction loans 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 ( 228 ) ( 1,555 ) ( 12 ) 259 77 ( 1,459 ) Ending balance $ 3,153 $ 12,370 $ 21 $ 1,953 $ 554 $ 18,051 * 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, 2022 and 2021. Nine months ended September 30, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Beginning balance $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Charge-offs ( 1,546 ) - ( 112 ) ( 55 ) - ( 1,713 ) Recoveries 76 - 13 - - 89 Provision (Credit) 2,205 ( 665 ) 86 139 51 1,816 Ending balance $ 4,044 $ 11,702 $ 41 $ 2,211 $ 632 $ 18,630 *Includes construction loans 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 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, 2022 and December 31, 2021: September 30, 2022 (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 2 2 - 66 39 109 Collectively evaluated for impairment 4,042 11,700 41 2,145 593 18,521 Total $ 4,044 $ 11,702 $ 41 $ 2,211 $ 632 $ 18,630 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 703 $ - $ 703 Individually evaluated for impairment 2,929 20,839 - 3,367 903 28,038 Collectively evaluated for impairment 235,164 848,060 427 432,168 82,431 1,598,250 Total $ 238,093 $ 868,899 $ 427 $ 436,238 $ 83,334 $ 1,626,991 Note: Loan balances do not include $( 0.5 ) million of unaccreted yield adjustments as of September 30, 2022. * Includes construction loans December 31, 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 $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 100 345 - 9 41 495 Collectively evaluated for impairment 3,209 12,022 54 2,118 540 17,943 Total $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 803 $ - $ 803 Individually evaluated for impairment 5,028 11,925 - 2,598 1,236 20,787 Collectively evaluated for impairment 232,049 825,848 719 412,768 80,002 1,551,386 Total $ 237,077 $ 837,773 $ 719 $ 416,169 $ 81,238 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) million of unaccreted yield adjustments as of December 31, 2021. * Includes construction loans
Data, At Class Level, Of Impaired Loans	At September 30, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: Commercial and industrial $ 2,926 $ 3,551 $ - $ 4,874 $ 5,712 $ - Residential real estate: Residential 3,784 4,253 - 3,297 3,654 - Construction - - - - - - Commercial real estate: Commercial 11,814 12,150 - 8,821 9,338 - Construction 8,854 8,998 - 1,395 1,499 - Home equities 864 1,024 - 1,127 1,324 - Consumer and other - - - - - - Total impaired loans $ 28,242 $ 29,976 $ - $ 19,514 $ 21,527 $ - At September 30, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With a related allowance recorded: Commercial and industrial $ 3 $ 3 $ 2 $ 154 $ 158 $ 100 Residential real estate: Residential 245 245 66 60 60 9 Construction - - - - - - Commercial real estate: Commercial 171 197 2 171 717 16 Construction - - - 1,538 1,555 329 Home equities 39 66 39 109 109 41 Consumer and other - - - - - - Total impaired loans $ 458 $ 511 $ 109 $ 2,032 $ 2,599 $ 495 At September 30, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Total: Commercial and industrial $ 2,929 $ 3,554 $ 2 $ 5,028 $ 5,870 $ 100 Residential real estate: Residential 4,029 4,498 66 3,357 3,714 9 Construction - - - - - - Commercial real estate: Commercial 11,985 12,347 2 8,992 10,055 16 Construction 8,854 8,998 - 2,933 3,054 329 Home equities 903 1,090 39 1,236 1,433 41 Consumer and other - - - - - - Total impaired loans $ 28,700 $ 30,487 $ 109 $ 21,546 $ 24,126 $ 495 Three months ended September 30, 2022 Three months ended September 30, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Total: Commercial and industrial $ 3,681 $ 2 $ 5,755 $ - Residential real estate: Residential 3,972 - 3,894 5 Construction - - - - Commercial real estate: Commercial 12,533 6 15,044 165 Construction 5,113 - 3,331 - Home equities 932 4 1,440 3 Consumer and other - - - - Total impaired loans $ 26,231 $ 12 $ 29,464 $ 173
Loans Classified As Troubled Debt Restructurings	September 30, 2022 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,254 $ 1,164 $ 90 $ - Residential real estate: Residential 889 541 348 - Construction - - - - Commercial real estate: Commercial and multi-family 2,795 - 2,795 - Construction - - - - Home equities 390 5 385 - Consumer and other - - - - Total TDR loans $ 5,328 $ 1,710 $ 3,618 $ - December 31, 2021 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,003 $ 876 $ 127 $ - Residential real estate: Residential 989 627 362 - Construction - - - - Commercial real estate: Commercial and multi-family 3,236 - 3,236 - Construction - - - - Home equities 490 12 478 - Consumer and other - - - - Total TDR loans $ 5,718 $ 1,515 $ 4,203 $ -
TDR Activity By Type Of Concession Granted To Borrower	Nine months ended September 30, 2022 Nine months ended September 30, 2021 (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: - $ - $ - - $ - $ - Extension of maturity 1 461 461 - - - Residential Real Estate & Construction: Commercial Real Estate & Construction - - - - - - Home Equities: Extension of maturity and interest rate reduction 1 38 38 - - - Consumer and other loans - - - - - -

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2022
Other Comprehensive Income (Loss) [Abstract]
Schedule of Accumulated Other Comprehensive Income	Balance at June 30, 2022 Net Change Balance at September 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 31,898 ) $ ( 15,581 ) $ ( 47,479 ) Net defined benefit pension plan adjustments ( 2,401 ) 56 ( 2,345 ) Total $ ( 34,299 ) $ ( 15,525 ) $ ( 49,824 ) 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 December 31, 2021 Net Change Balance at September 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 44,319 ) $ ( 47,479 ) Net defined benefit pension plan adjustments ( 2,511 ) 166 ( 2,345 ) Total $ ( 5,671 ) $ ( 44,153 ) $ ( 49,824 ) 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 )
Components Of Other Comprehensive Income	Three months ended September 30, 2022 Three months ended September 30, 2021 (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 $ ( 21,016 ) $ 5,435 $ ( 15,581 ) $ ( 2,066 ) $ 536 $ ( 1,530 ) Defined benefit pension plan adjustments: Amortization of prior service cost 8 ( 2 ) 6 7 ( 2 ) 5 Amortization of actuarial loss 68 ( 18 ) 50 95 ( 25 ) 70 Net change 76 ( 20 ) 56 102 ( 27 ) 75 Other comprehensive loss $ ( 20,940 ) $ 5,415 $ ( 15,525 ) $ ( 1,964 ) $ 509 $ ( 1,455 ) Nine months ended September 30, 2022 Nine months ended September 30, 2021 (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 $ ( 59,796 ) $ 15,477 $ ( 44,319 ) $ ( 4,995 ) $ 1,298 $ ( 3,697 ) Defined benefit pension plan adjustments: Amortization of prior service cost 24 ( 8 ) 16 23 ( 7 ) 16 Amortization of actuarial loss 203 ( 53 ) 150 285 ( 75 ) 210 Net change 227 ( 61 ) 166 308 ( 82 ) 226 Other comprehensive loss $ ( 59,569 ) $ 15,416 $ ( 44,153 ) $ ( 4,687 ) $ 1,216 $ ( 3,471 )

Net Periodic Benefit Costs (Tab

Net Periodic Benefit Costs (Tables)	9 Months Ended
	Sep. 30, 2022
Net Periodic Benefit Costs [Abstract]
Schedule Of Net Periodic Benefit Cost	Three months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2022 2021 2022 2021 Service cost $ - $ - $ 33 $ 37 Interest cost 44 41 31 25 Expected return on plan assets ( 88 ) ( 89 ) - - Amortization of prior service cost - - 8 7 Amortization of the net loss 24 24 44 71 Net periodic (benefit) cost $ ( 20 ) $ ( 24 ) $ 116 $ 140 Nine months ended September 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2022 2021 2022 2021 Service cost $ - $ - $ 99 $ 112 Interest cost 133 122 93 75 Expected return on plan assets ( 264 ) ( 266 ) - - Amortization of prior service cost - - 24 23 Amortization of the net loss 71 72 132 213 Net periodic (benefit) cost $ ( 60 ) $ ( 72 ) $ 348 $ 423

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	9 Months Ended
	Sep. 30, 2022
Fair Value Measurement [Abstract]
Financial Instruments Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2022 Securities available-for-sale: US treasuries and government agencies $ - $ 141,064 $ - $ 141,064 States and political subdivisions - 21,854 - 21,854 Mortgage-backed securities - 206,223 - 206,223 December 31, 2021 Securities available-for-sale: US treasuries and government agencies $ - $ 96,818 $ - $ 96,818 States and political subdivisions - 6,246 - 6,246 Mortgage-backed securities - 202,895 - 202,895
Financial Instruments Measured At Fair Value On Nonrecurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value September 30, 2022 Collateral dependent impaired loans $ - $ - $ 1,146 $ 1,146 December 31, 2021 Collateral dependent impaired loans $ - $ - $ 4,608 $ 4,608
Estimated Fair Values Of Financial Instruments	September 30, 2022 December 31, 2021 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 21,207 $ 21,207 $ 244,785 $ 244,785 Level 2: Available for sale securities 369,141 369,141 305,959 305,959 FHLB and FRB stock 6,730 N/A 6,084 N/A Level 3: Held to maturity securities 7,572 7,413 3,165 3,179 Loans, net 1,607,827 1,518,516 1,553,467 1,573,420 Financial liabilities: Level 1: Demand deposits $ 558,805 $ 558,805 $ 492,864 $ 492,864 NOW deposits 263,648 263,648 259,908 259,908 Savings deposits 913,383 913,383 1,019,925 1,019,925 Level 2: Securities sold under agreement to repurchase 9,812 9,812 4,112 4,112 Other borrowed funds 42,594 41,902 32,879 32,990 Subordinated debt 31,050 30,906 30,974 32,111 Level 3: Time deposits 137,910 135,710 164,340 164,574

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Sep. 30, 2022
Segment Information [Abstract]
Schedule Of Business Segments	Three months ended September 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 19,188 $ - $ 19,188 Provision for loan losses 1,328 - 1,328 Net interest income after provision for loan losses 17,860 - 17,860 Insurance service and fees 134 3,249 3,383 Other non-interest income 2,384 - 2,384 Amortization expense 5 95 100 Other non-interest expense 13,750 1,941 15,691 Income before income taxes 6,623 1,213 7,836 Income tax provision 1,658 314 1,972 Net income $ 4,965 $ 899 $ 5,864 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 Nine months ended September 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 53,741 $ - $ 53,741 Provision for loan losses 1,816 - 1,816 Net interest income after provision for loan losses 51,925 - 51,925 Insurance service and fees 442 7,807 8,249 Other non-interest income 6,561 - 6,561 Amortization expense 15 285 300 Other non-interest expense 39,137 5,598 44,735 Income before income taxes 19,776 1,924 21,700 Income tax provision 4,855 499 5,354 Net income $ 14,921 $ 1,425 $ 16,346 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

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	9 Months Ended
	Sep. 30, 2022
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	September 30, December 31, 2022 2021 (in thousands) Commitments to extend credit $ 397,799 $ 394,953 Standby letters of credit 10,657 4,636 Total $ 408,456 $ 399,589

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Narrative) (Details)	9 Months Ended
	Sep. 30, 2022 entity
Organization And Summary Of Significant Accounting Policies [Abstract]
Number of subsidiaries	2

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities pledged as collateral	$ 244,000,000		$ 244,000,000		$ 207,000,000
Gross realized gains (losses) from sales of investment securities	$ 0	$ 0	0	$ 0
Other-than-temporary impairment charges			$ 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, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 433,206	$ 310,228
Available for Sale, Unrealized Gains	4	1,112
Available for Sale, Unrealized Losses	(64,069)	(5,381)
Available for Sale, Fair Value	369,141	305,959
Held to Maturity, Amortized Cost	7,572	3,165
Held to Maturity, Unrealized Gains		17
Held to Maturity, Unrealized Losses	(159)	(3)
Held to Maturity, Fair Value	7,413	3,179
US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	166,351	99,005
Available for Sale, Unrealized Gains	2	199
Available for Sale, Unrealized Losses	(25,289)	(2,386)
Available for Sale, Fair Value	141,064	96,818
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	23,573	6,150
Available for Sale, Unrealized Gains	2	96
Available for Sale, Unrealized Losses	(1,721)
Available for Sale, Fair Value	21,854	6,246
Held to Maturity, Amortized Cost	7,572	3,165
Held to Maturity, Unrealized Gains		17
Held to Maturity, Unrealized Losses	(159)	(3)
Held to Maturity, Fair Value	7,413	3,179
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	189,924	105,155
Available for Sale, Unrealized Gains	4	295
Available for Sale, Unrealized Losses	(27,010)	(2,386)
Available for Sale, Fair Value	162,918	103,064
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	243,282	205,073
Available for Sale, Unrealized Gains		817
Available for Sale, Unrealized Losses	(37,059)	(2,995)
Available for Sale, Fair Value	206,223	202,895
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	76,916	64,056
Available for Sale, Unrealized Gains		222
Available for Sale, Unrealized Losses	(13,272)	(1,068)
Available for Sale, Fair Value	63,644	63,210
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	47,544	38,796
Available for Sale, Unrealized Gains		62
Available for Sale, Unrealized Losses	(7,160)	(424)
Available for Sale, Fair Value	40,384	38,434
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	40,741	31,814
Available for Sale, Unrealized Gains		15
Available for Sale, Unrealized Losses	(6,019)	(615)
Available for Sale, Fair Value	34,722	31,214
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	23,044	17,919
Available for Sale, Unrealized Gains		343
Available for Sale, Unrealized Losses	(2,397)	(54)
Available for Sale, Fair Value	20,647	18,208
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	55,037	52,488
Available for Sale, Unrealized Gains		175
Available for Sale, Unrealized Losses	(8,211)	(834)
Available for Sale, Fair Value	$ 46,826	$ 51,829

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Debt securities available for sale, Due in one year or less, Amortized cost	$ 6,839
Debt securities available for sale, Due after one year through five years, Amortized cost	79,801
Debt securities available for sale, Due after five years through ten years, Amortized cost	74,294
Debt securities available for sale, Due after ten years, Amortized cost	28,990
Total securities designated as available for sale, Amortized Cost	189,924
Total securities designated as available for sale, Amortized Cost	433,206	$ 310,228
Debt securities available for sale, Due in one year or less, Estimated fair value	6,769
Debt securities available for sale, Due after one year through five years, Estimated fair value	73,585
Debt securities available for sale, Due after five years through ten years, Estimated fair value	62,431
Debt securities available for sale, Due after ten years, Estimated fair value	20,133
Debt securities available for sale, Estimated fair value	162,918
$159,157 at December 31, 2021)	369,141	305,959
Debt securities held to maturity, Due in one year or less, Amortized cost	6,665
Debt securities held to maturity, Due after one year through five years, Amortized cost	495
Debt securities held to maturity, Due after five years through ten years, Amortized cost	412
Held to Maturity, Amortized Cost	7,572	3,165
Debt securities held to maturity, Due in one year or less, Estimated fair value	6,615
Debt securities held to maturity, Due after one year through five years, Estimated fair value	456
Debt securities held to maturity, Due after five years through ten years, Estimated fair value	342
Held to maturity, Estimated fair value	7,413	3,179
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	189,924	105,155
$159,157 at December 31, 2021)	162,918	103,064
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities available for sale, Amortized cost	243,282
Total securities designated as available for sale, Amortized Cost	243,282	205,073
Mortgage-backed securities available for sale, Estimated fair value	206,223
$159,157 at December 31, 2021)	$ 206,223	$ 202,895

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 242,858	$ 207,411
Total temporarily impaired securities, 12 months or longer, Fair Value	131,512	31,891
Total temporarily impaired securities, Total, Fair Value	374,370	239,302
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(29,039)	(3,686)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(35,189)	(1,698)
Total temporarily impaired securities, Total, Unrealized Losses	(64,228)	(5,384)
US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	91,283	50,381
Available for Sale, 12 months or longer, Fair Value	48,781	27,488
Available for Sale, Total, Fair Value	140,064	77,869
Available for Sale, Less than 12 months, Unrealized Losses	(9,992)	(884)
Available for Sale, 12 months or longer, Unrealized Losses	(15,297)	(1,502)
Available for Sale, Total, Unrealized Losses	(25,289)	(2,386)
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	20,748
Available for Sale, Total, Fair Value	20,748
Available for Sale, Less than 12 months, Unrealized Losses	(1,721)
Available for Sale, Total, Unrealized Losses	(1,721)
Held To Maturity, Less than 12 months, Fair Value	7,335	1,782
Held To Maturity, 12 months or longer, Fair Value	78
Held To Maturity, Total, Fair Value	7,413	1,782
Held To Maturity, Less than 12 months, Unrealized Losses	(149)	(3)
Held To Maturity, 12 months or longer, Unrealized Losses	(10)
Held To Maturity, Total, Unrealized Losses	(159)	(3)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	112,031	50,381
Available for Sale, 12 months or longer, Fair Value	48,781	27,488
Available for Sale, Total, Fair Value	160,812	77,869
Available for Sale, Less than 12 months, Unrealized Losses	(11,713)	(884)
Available for Sale, 12 months or longer, Unrealized Losses	(15,297)	(1,502)
Available for Sale, Total, Unrealized Losses	(27,010)	(2,386)
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	123,492	155,248
Available for Sale, 12 months or longer, Fair Value	82,653	4,403
Available for Sale, Total, Fair Value	206,145	159,651
Available for Sale, Less than 12 months, Unrealized Losses	(17,177)	(2,799)
Available for Sale, 12 months or longer, Unrealized Losses	(19,882)	(196)
Available for Sale, Total, Unrealized Losses	(37,059)	(2,995)
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	31,695	48,008
Available for Sale, 12 months or longer, Fair Value	31,889	2,941
Available for Sale, Total, Fair Value	63,584	50,949
Available for Sale, Less than 12 months, Unrealized Losses	(5,178)	(903)
Available for Sale, 12 months or longer, Unrealized Losses	(8,094)	(165)
Available for Sale, Total, Unrealized Losses	(13,272)	(1,068)
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	24,908	35,851
Available for Sale, 12 months or longer, Fair Value	15,458	76
Available for Sale, Total, Fair Value	40,366	35,927
Available for Sale, Less than 12 months, Unrealized Losses	(3,503)	(423)
Available for Sale, 12 months or longer, Unrealized Losses	(3,657)	(1)
Available for Sale, Total, Unrealized Losses	(7,160)	(424)
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	20,125	30,252
Available for Sale, 12 months or longer, Fair Value	14,597	143
Available for Sale, Total, Fair Value	34,722	30,395
Available for Sale, Less than 12 months, Unrealized Losses	(2,675)	(615)
Available for Sale, 12 months or longer, Unrealized Losses	(3,344)
Available for Sale, Total, Unrealized Losses	(6,019)	(615)
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	17,478	2,824
Available for Sale, 12 months or longer, Fair Value	3,169	1,218
Available for Sale, Total, Fair Value	20,647	4,042
Available for Sale, Less than 12 months, Unrealized Losses	(1,966)	(25)
Available for Sale, 12 months or longer, Unrealized Losses	(431)	(29)
Available for Sale, Total, Unrealized Losses	(2,397)	(54)
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	29,286	38,313
Available for Sale, 12 months or longer, Fair Value	17,540	25
Available for Sale, Total, Fair Value	46,826	38,338
Available for Sale, Less than 12 months, Unrealized Losses	(3,855)	(833)
Available for Sale, 12 months or longer, Unrealized Losses	(4,356)	(1)
Available for Sale, Total, Unrealized Losses	$ (8,211)	$ (834)

Loans And The Allowance For L_3

Loans And The Allowance For Loan Losses (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding principal balance	$ 800,000		$ 800,000		$ 800,000
Acquired credit-impaired loans	700,000		700,000
Valuation allowances, acquired credit-impaired loans	0		0		0
Balance	1,585,151,000		1,585,151,000		1,523,498,000
Total criticized assets increase	89,000,000		$ 89,000,000		111,000,000
Period of timely payments before reversion to accruing status			6 months
Residential Mortgages [Member] | FSB [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	61,000,000		$ 61,000,000
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	229,785,000		229,785,000		229,724,000
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	414,000		414,000		706,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold			4,800,000
Loan servicing portfolio principal balance	120,000,000		120,000,000		131,000,000
Mortgage servicing rights	1,200,000		1,200,000		900,000
Mortgage loans held-for-sale	0		0		100,000
Balance	428,009,000		428,009,000		402,992,000
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	1,300,000			$ 0
Loan servicing portfolio principal balance	59,000,000		59,000,000
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	754,993,000		754,993,000		711,481,000
Total Real Estate Loans [Member] | FHLBNY [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	508,000,000		508,000,000		$ 619,000,000
Hotel Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Hotel loan portfolio	$ 38,000,000		$ 38,000,000
Total criticized assets increase						$ 81,000,000

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, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	$ 1,626,991	$ 1,572,976
Unaccreted yield adjustments	(534)	(1,071)
Total gross loans	1,626,457	1,571,905
Allowance for loan losses	(18,630)	(18,438)
Loans, net	1,607,827	1,553,467
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	238,093	237,077
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	427	719
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	1,626,991	1,572,976
Unaccreted yield adjustments	(500)	(1,100)
Total Real Estate Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	1,388,471	1,335,180
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	436,238	416,169
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	433,102	411,060
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	3,136	5,109
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	868,899	837,773
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	765,136	739,761
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	103,763	98,012
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	83,334	81,238
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	83,334	81,238
Total Real Estate Loans [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	238,093	237,077
Total Real Estate Loans [Member] | Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	$ 427	$ 719

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, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 1,626,991	$ 1,572,976
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,626,991	1,572,976
Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,388,471	1,335,180
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	868,899	837,773
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	612,078	545,370
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	184,649	201,610
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	28,396	40,264
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	43,776	50,529
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	103,763	98,012
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	64,746	65,211
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	19,505	19,108
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	6,943	7,045
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	12,569	6,648
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	765,136	739,761
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	547,332	480,159
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	165,144	182,502
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	21,453	33,219
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	31,207	43,881
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	238,093	237,077
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	175,101	152,675
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	46,557	64,406
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	9,555	10,200
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	6,880	9,796
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial And Industrial [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 238,093	$ 237,077

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, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 1,585,151	$ 1,523,498
Non-accruing Loans	25,123	17,387
Total Balance	1,626,991	1,572,976
Unaccreted yield adjustments	(534)	(1,071)
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	13,235	22,646
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2,643	8,417
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	839	1,028
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	229,785	229,724
Non-accruing Loans	2,839	4,901
Total Balance	238,093	237,077
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	5,375	1,336
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	30	568
Commercial And Industrial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	64	548
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	414	706
Total Balance	427	719
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	8	9
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	4	4
Consumer And Other Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	1,626,991	1,572,976
Unaccreted yield adjustments	(500)	(1,100)
Total Real Estate Loans [Member] | Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	238,093	237,077
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	436,238	416,169
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	868,899	837,773
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	81,512	79,644
Non-accruing Loans	518	758
Total Balance	83,334	81,238
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1,144	627
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	160	209
Total Real Estate Loans [Member] | Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	427	719
Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	1,388,471	1,335,180
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	428,009	402,992
Non-accruing Loans	3,722	3,039
Total Balance	433,102	411,060
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		3,466
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1,371	1,563
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	754,993	711,481
Non-accruing Loans	9,190	5,756
Total Balance	765,136	739,761
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	750	16,451
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	203	6,073
Mortgages [Member] | Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	83,334	81,238
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,136	5,109
Total Balance	3,136	5,109
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	87,302	93,842
Non-accruing Loans	8,854	2,933
Total Balance	103,763	98,012
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	5,958	757
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	875
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 774	$ 480

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Provision(Credit)	$ 1,328	$ (1,459)	$ 1,816	$ (1,906)
Total	1,626,991		1,626,991		$ 1,572,976
Unaccreted yield adjustments	(534)		(534)		(1,071)
Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	18,819	19,942	18,438	20,415
Allowance for loan losses: Charge-offs	(1,560)	(453)	(1,713)	(544)
Allowance for loan losses: Recoveries	43	21	89	86
Allowance for loan losses: Provision(Credit)	1,328	(1,459)	1,816	(1,906)
Allowance for loan losses: Ending balance	18,630	18,051	18,630	18,051
Allowance for loan losses: Individually evaluated for impairment	109		109		495
Allowance for loan losses: Collectively evaluated for impairment	18,521		18,521		17,943
Allowance for loan losses: Total	18,630	18,051	18,630	18,051	18,438
Loans: Loans acquired with deteriorated credit quality	703		703		803
Loans: Individually evaluated for impairment	28,038		28,038		20,787
Loans: Collectively evaluated for impairment	1,598,250		1,598,250		1,551,386
Total	1,626,991		1,626,991		1,572,976
Unaccreted yield adjustments	(500)		(500)		(1,100)
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	238,093		238,093		237,077
Commercial And Industrial [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	3,714	3,790	3,309	4,882
Allowance for loan losses: Charge-offs	(1,515)	(424)	(1,546)	(424)
Allowance for loan losses: Recoveries	40	15	76	58
Allowance for loan losses: Provision(Credit)	1,805	(228)	2,205	(1,363)
Allowance for loan losses: Ending balance	4,044	3,153	4,044	3,153
Allowance for loan losses: Individually evaluated for impairment	2		2		100
Allowance for loan losses: Collectively evaluated for impairment	4,042		4,042		3,209
Allowance for loan losses: Total	4,044	3,153	4,044	3,153	3,309
Loans: Individually evaluated for impairment	2,929		2,929		5,028
Loans: Collectively evaluated for impairment	235,164		235,164		232,049
Total	238,093		238,093		237,077
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	12,305	13,925	12,367	13,249
Allowance for loan losses: Provision(Credit)	(603)	(1,555)	(665)	(879)
Allowance for loan losses: Ending balance	11,702	12,370	11,702	12,370
Allowance for loan losses: Individually evaluated for impairment	2		2		345
Allowance for loan losses: Collectively evaluated for impairment	11,700		11,700		12,022
Allowance for loan losses: Total	11,702	12,370	11,702	12,370	12,367
Loans: Individually evaluated for impairment	20,839		20,839		11,925
Loans: Collectively evaluated for impairment	848,060		848,060		825,848
Total	868,899		868,899		837,773
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	427		427		719
Consumer And Other Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	70	58	54	45
Allowance for loan losses: Charge-offs	(45)	(29)	(112)	(120)
Allowance for loan losses: Recoveries	3	4	13	26
Allowance for loan losses: Provision(Credit)	13	(12)	86	70
Allowance for loan losses: Ending balance	41	21	41	21
Allowance for loan losses: Collectively evaluated for impairment	41		41		54
Allowance for loan losses: Total	41	21	41	21	54
Loans: Collectively evaluated for impairment	427		427		719
Total	427		427		719
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	2,164	1,694	2,127	1,658
Allowance for loan losses: Charge-offs			(55)
Allowance for loan losses: Provision(Credit)	47	259	139	295
Allowance for loan losses: Ending balance	2,211	1,953	2,211	1,953
Allowance for loan losses: Individually evaluated for impairment	66		66		9
Allowance for loan losses: Collectively evaluated for impairment	2,145		2,145		2,118
Allowance for loan losses: Total	2,211	1,953	2,211	1,953	2,127
Loans: Loans acquired with deteriorated credit quality	703		703		803
Loans: Individually evaluated for impairment	3,367		3,367		2,598
Loans: Collectively evaluated for impairment	432,168		432,168		412,768
Total	436,238		436,238		416,169
Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance				581
Allowance for loan losses: Recoveries				2
Allowance for loan losses: Provision(Credit)				(29)
Allowance for loan losses: Ending balance		554		554
Allowance for loan losses: Total		554		554
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	566	475	581
Allowance for loan losses: Recoveries		2
Allowance for loan losses: Provision(Credit)	66	77	51
Allowance for loan losses: Ending balance	632	554	632	554
Allowance for loan losses: Individually evaluated for impairment	39		39		41
Allowance for loan losses: Collectively evaluated for impairment	593		593		540
Allowance for loan losses: Total	632	$ 554	632	$ 554	581
Loans: Individually evaluated for impairment	903		903		1,236
Loans: Collectively evaluated for impairment	82,431		82,431		80,002
Total	$ 83,334		$ 83,334		$ 81,238

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	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 28,242		$ 28,242		$ 19,514
Impaired Loans, Recorded Investment, With a related allowance recorded	458		458		2,032
Impaired Loans, Recorded Investment, Total	28,700		28,700		21,546
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	29,976		29,976		21,527
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	511		511		2,599
Impaired Loans, Unpaid Principal Balance, Total	30,487		30,487		24,126
Impaired Loans, Related Allowance	109		109		495
Impaired loans, Average Recorded Investment, Total	26,231	$ 29,464	23,651	$ 30,401
Impaired Loans, Interest Income Recognized, Total	12	173	215	288
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	2,926		2,926		4,874
Impaired Loans, Recorded Investment, With a related allowance recorded	3		3		154
Impaired Loans, Recorded Investment, Total	2,929		2,929		5,028
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	3,551		3,551		5,712
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	3		3		158
Impaired Loans, Unpaid Principal Balance, Total	3,554		3,554		5,870
Impaired Loans, Related Allowance	2		2		100
Impaired loans, Average Recorded Investment, Total	3,681	5,755	4,251	5,657
Impaired Loans, Interest Income Recognized, Total	2		6	29
Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	3,784		3,784		3,297
Impaired Loans, Recorded Investment, With a related allowance recorded	245		245		60
Impaired Loans, Recorded Investment, Total	4,029		4,029		3,357
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	4,253		4,253		3,654
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	245		245		60
Impaired Loans, Unpaid Principal Balance, Total	4,498		4,498		3,714
Impaired Loans, Related Allowance	66		66		9
Impaired loans, Average Recorded Investment, Total	3,972	3,894	3,735	4,756
Impaired Loans, Interest Income Recognized, Total		5	12	22
Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	11,814		11,814		8,821
Impaired Loans, Recorded Investment, With a related allowance recorded	171		171		171
Impaired Loans, Recorded Investment, Total	11,985		11,985		8,992
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	12,150		12,150		9,338
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	197		197		717
Impaired Loans, Unpaid Principal Balance, Total	12,347		12,347		10,055
Impaired Loans, Related Allowance	2		2		16
Impaired loans, Average Recorded Investment, Total	12,533	15,044	10,785	15,014
Impaired Loans, Interest Income Recognized, Total	6	165	183	228
Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	8,854		8,854		1,395
Impaired Loans, Recorded Investment, With a related allowance recorded					1,538
Impaired Loans, Recorded Investment, Total	8,854		8,854		2,933
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	8,998		8,998		1,499
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded					1,555
Impaired Loans, Unpaid Principal Balance, Total	8,998		8,998		3,054
Impaired Loans, Related Allowance					329
Impaired loans, Average Recorded Investment, Total	5,113	3,331	3,881	3,305
Impaired Loans, Interest Income Recognized, Total				2
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	864		864		1,127
Impaired Loans, Recorded Investment, With a related allowance recorded	39		39		109
Impaired Loans, Recorded Investment, Total	903		903		1,236
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	1,024		1,024		1,324
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	66		66		109
Impaired Loans, Unpaid Principal Balance, Total	1,090		1,090		1,433
Impaired Loans, Related Allowance	39		39		$ 41
Impaired loans, Average Recorded Investment, Total	932	1,440	999	1,669
Impaired Loans, Interest Income Recognized, Total	$ 4	$ 3	$ 14	$ 7

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, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Total	$ 5,328	$ 5,718
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	1,254	1,003
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Total	1,710	1,515
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	1,164	876
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Total	3,618	4,203
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	90	127
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	390	490
Total Real Estate Loans [Member] | Nonaccruing [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	5	12
Total Real Estate Loans [Member] | Accruing [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	385	478
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	889	989
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	2,795	3,236
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	541	627
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	348	362
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	$ 2,795	$ 3,236

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	9 Months Ended
	Sep. 30, 2022 USD ($) contract
Commercial And Industrial [Member] | Extension Of Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 461
Post-Modification Outstanding Recorded Investment	$ 461
Home Equity Loans [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 38
Post-Modification Outstanding Recorded Investment	$ 38

Common Equity And Earnings Pe_2

Common Equity And Earnings Per Share Data (Narrative) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Common Equity And Earnings Per Share Data [Abstract]
Weighted average number of shares outstanding, dilutive	36,646	57,705	42,572	52,128
Potentially anti-dilutive shares outstanding	54,680	39,390	55,847	80,614

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (34,299)	$ (2,735)	$ (5,671)	$ (719)
Net Change	(15,525)	(1,455)	(44,153)	(3,471)
Ending Balance	(49,824)	(4,190)	(49,824)	(4,190)
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(31,898)	230	(3,160)	2,397
Net Change	(15,581)	(1,530)	(44,319)	(3,697)
Ending Balance	(47,479)	(1,300)	(47,479)	(1,300)
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(2,401)	(2,965)	(2,511)	(3,116)
Net Change	56	75	166	226
Ending Balance	$ (2,345)	$ (2,890)	$ (2,345)	$ (2,890)

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Components Of Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Unrealized (loss) gain on investment securities:
Unrealized (loss) gain on investment securities, Before-Tax Amount	$ (21,016)	$ (2,066)	$ (59,796)	$ (4,995)
Unrealized (loss) gain on investment securities, Income Tax (Provision) Benefit	5,435	536	15,477	1,298
Unrealized (loss) gain on investment securities, Net-of-Tax Amount	(15,581)	(1,530)	(44,319)	(3,697)
Defined benefit pension plan adjustments:
Amortization of prior service cost, Before-Tax Amount	8	7	24	23
Amortization of prior service cost, Income Tax (Provision) Benefit	(2)	(2)	(8)	(7)
Amortization of prior service cost, Net-of-Tax Amount	6	5	16	16
Amortization of actuarial loss, Before-Tax Amount	68	95	203	285
Amortization of actuarial loss, Income Tax (Provision) Benefit	(18)	(25)	(53)	(75)
Amortization of actuarial loss, Net-of-Tax Amount	50	70	150	210
Net change, Before-Tax Amount	76	102	227	308
Net change, Income Tax (Provision) Benefit	(20)	(27)	(61)	(82)
Total	56	75	166	226
Other comprehensive (loss) income, Before-Tax Amount	(20,940)	(1,964)	(59,569)	(4,687)
Other comprehensive (loss) income, Income Tax (Provision) Benefit	5,415	509	15,416	1,216
OTHER COMPREHENSIVE (LOSS) INCOME , NET OF TAX:	$ (15,525)	$ (1,455)	$ (44,153)	$ (3,471)

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Pension [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 44	$ 41	$ 133	$ 122
Expected return on plan assets	(88)	(89)	(264)	(266)
Amortization of the net loss	24	24	71	72
Net periodic (benefit) cost	(20)	(24)	(60)	(72)
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	33	37	99	112
Interest cost	31	25	93	75
Amortization of prior service cost	8	7	24	23
Amortization of the net loss	44	71	132	213
Net periodic (benefit) cost	$ 116	$ 140	$ 348	$ 423

Revenue Recognition Of Non-In_2

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 3,383	$ 3,191	$ 8,249	$ 8,350
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	1,706	1,426	3,525	3,248
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	901	856	2,554	2,517
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	206	231	649	692
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	410	410	971	1,029
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	137	161	457	508
Insurance Claims Services Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees		77		236
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 23	$ 30	$ 93	$ 120

Fair Value Measurement (Narrati

Fair Value Measurement (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans, allowance for loan loss	$ 109	$ 495
Consumer Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans, gross	1,200	5,000
Impaired loans, allowance for loan loss	$ 100	$ 400

Fair Value Measurement (Financi

Fair Value Measurement (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 369,141	$ 305,959
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	141,064	96,818
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	141,064	96,818
Recurring [Member] | States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	21,854	6,246
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	21,854	6,246
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	206,223	202,895
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	$ 206,223	$ 202,895

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, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,146	$ 4,608
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,146	$ 4,608

Fair Value Measurement (Estimat

Fair Value Measurement (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 369,141	$ 305,959
Held to maturity securities	7,413	3,179
Demand deposits	558,805	492,864
NOW deposits	263,648	259,908
Savings deposits	913,383	1,019,925
Time deposits	137,910	164,340
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	21,207	244,785
Demand deposits	558,805	492,864
NOW deposits	263,648	259,908
Savings deposits	913,383	1,019,925
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	369,141	305,959
FHLB and FRB stock	6,730	6,084
Securities sold under agreement to repurchase	9,812	4,112
Other borrowed funds	42,594	32,879
Subordinated debt	31,050	30,974
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	7,572	3,165
Loans, net	1,607,827	1,553,467
Time deposits	137,910	164,340
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	21,207	244,785
Demand deposits	558,805	492,864
NOW deposits	263,648	259,908
Savings deposits	913,383	1,019,925
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	369,141	305,959
Securities sold under agreement to repurchase	9,812	4,112
Other borrowed funds	41,902	32,990
Subordinated debt	30,906	32,111
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	7,413	3,179
Loans, net	1,518,516	1,573,420
Time deposits	$ 135,710	$ 164,574

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) segment	Sep. 30, 2021 USD ($)
Number of primary business segments | segment			2
Net interest income (expense)	$ 19,188	$ 18,163	$ 53,741	$ 53,110
Provision (credit) for loan losses	1,328	(1,459)	1,816	(1,906)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	17,860	19,622	51,925	55,016
Insurance service and fees	3,383	3,191	8,249	8,350
Other non-interest income	5,767	5,157	14,810	14,141
Amortization expense	100	135	300	405
Other non-interest expense	15,791	15,393	45,035	44,934
INCOME BEFORE INCOME TAXES	7,836	9,386	21,700	24,223
Income tax provision	1,972	2,407	5,354	6,079
NET INCOME	5,864	6,979	16,346	18,144
Operating Segments [Member]
Net interest income (expense)	19,188	18,163	53,741	53,110
Provision (credit) for loan losses	1,328	(1,459)	1,816	(1,906)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	17,860	19,622	51,925	55,016
Insurance service and fees	3,383	3,191	8,249	8,350
Other non-interest income	2,384	1,966	6,561	5,791
Amortization expense	100	135	300	405
Other non-interest expense	15,691	15,258	44,735	44,529
INCOME BEFORE INCOME TAXES	7,836	9,386	21,700	24,223
Income tax provision	1,972	2,407	5,354	6,079
NET INCOME	5,864	6,979	16,346	18,144
Banking Activities [Member] | Operating Segments [Member]
Net interest income (expense)	19,188	18,165	53,741	53,118
Provision (credit) for loan losses	1,328	(1,459)	1,816	(1,906)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	17,860	19,624	51,925	55,024
Insurance service and fees	134	141	442	456
Other non-interest income	2,384	1,966	6,561	5,787
Amortization expense	5	6	15	16
Other non-interest expense	13,750	13,382	39,137	38,603
INCOME BEFORE INCOME TAXES	6,623	8,343	19,776	22,648
Income tax provision	1,658	2,135	4,855	5,669
NET INCOME	4,965	6,208	14,921	16,979
Insurance Agency Activities [Member] | Operating Segments [Member]
Net interest income (expense)		(2)		(8)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES		(2)		(8)
Insurance service and fees	3,249	3,050	7,807	7,894
Other non-interest income				4
Amortization expense	95	129	285	389
Other non-interest expense	1,941	1,876	5,598	5,926
INCOME BEFORE INCOME TAXES	1,213	1,043	1,924	1,575
Income tax provision	314	272	499	410
NET INCOME	$ 899	$ 771	$ 1,425	$ 1,165

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
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, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 408,456	$ 399,589
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	397,799	394,953
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 10,657	$ 4,636