Evans Bancorp (EVBN) 10-K 3 Mar 23 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Mar. 01, 2023	Jun. 30, 2022
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Fiscal Period Focus	FY
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Period End Date	Dec. 31, 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 Street
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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	false
Entity Shell Company	false
Entity Public Float			$ 178
Entity Common Stock, Shares Outstanding		5,450,308
Documents Incorporated by Reference	Portions of the registrant's Proxy Statement relating to the registrant's 2023 Annual Meeting of Shareholders, to be held on May 2, 2023, which will be subsequently filed with the Securities and Exchange Commission within 120 days after the end of the fiscal year to which this Report relates, are incorporated by reference into Part III of this Annual Report on Form 10-K where indicated.
Entity Central Index Key	0000842518
Auditor Name	Crowe LLP
Auditor Location	Grand Rapids, Michigan
Auditor Firm ID	173

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 16,796	$ 9,856
Interest-bearing deposits at banks	6,258	234,929
Securities:
Available for sale, at fair value (amortized cost: $428,216 at December 31, 2022; $310,228 at December 31, 2021)	364,326	305,959
Held to maturity, at amortized cost (fair value: $6,809 at December 31, 2022; $3,179 at December 31, 2021)	6,949	3,165
Federal Home Loan Bank common stock, at cost	10,437	3,045
Federal Reserve Bank common stock, at cost	3,074	3,039
Loans, net of allowance for loan losses of $19,438 at December 31, 2022 and $18,438 at December 31, 2021	1,652,931	1,553,467
Properties and equipment, net of accumulated depreciation of $11,596 at December 31, 2022 and $10,283 at December 31, 2021	16,999	17,789
Goodwill	12,702	12,702
Intangible assets	1,227	1,627
Bank-owned life insurance	41,826	34,295
Operating lease right-of-use asset	4,392	4,826
Other assets	40,593	25,941
TOTAL ASSETS	2,178,510	2,210,640
Deposits:
Demand	493,710	492,864
NOW	273,359	259,908
Savings	801,943	1,019,925
Time	202,667	164,340
Total deposits	1,771,679	1,937,037
Securities sold under agreement to repurchase	7,147	4,112
Other borrowings	193,001	32,879
Operating lease liability	4,723	5,210
Other liabilities	16,892	16,536
Subordinated debt	31,075	30,974
Total liabilities	2,024,517	2,026,748
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,544,339 and 5,482,756 shares issued at December 31, 2022 and December 31, 2021, respectively, and 5,437,048 and 5,482,756 outstanding at December 31, 2022 and December 31, 2021, respectively	2,775	2,744
Capital surplus	81,031	78,795
Treasury stock, at cost, 107,291 and 0 shares at December 31, 2022 and December 31, 2021, respectively	(3,891)
Retained earnings	123,356	108,024
Accumulated other comprehensive loss, net of tax	(49,278)	(5,671)
Total stockholders' equity	153,993	183,892
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,178,510	$ 2,210,640

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities:
Available for sale, amortized cost	$ 428,216	$ 310,228
Held to maturity, fair value	6,809	3,179
Loans, allowance for loan losses	19,438	18,438
Properties and equipment, accumulated depreciation	$ 11,596	$ 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	5,544,339	5,482,756
Common stock, shares outstanding	5,437,048	5,482,756
Treasury stock, shares	107,291	0

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
INTEREST INCOME
Loans	$ 70,562	$ 72,955	$ 64,753
Interest bearing deposits at banks	596	187	247
Securities:
Taxable	8,037	4,224	3,587
Non-taxable	287	214	246
Total interest income	79,482	77,580	68,833
INTEREST EXPENSE
Deposits	3,589	2,864	7,721
Other borrowings	1,147	315	311
Subordinated debt	1,791	1,616	1,019
Total interest expense	6,527	4,795	9,051
NET INTEREST INCOME	72,955	72,785	59,782
PROVISION (CREDIT) FOR LOAN LOSSES	2,739	(1,513)	5,351
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	70,216	74,298	54,431
NON-INTEREST INCOME
Deposit service charges	2,861	2,531	2,242
Insurance service and fees	10,453	10,457	10,610
Gain on loans sold	95	11	383
Bank-owned life insurance	707	853	680
Loss on tax credit investments		(30)	(2,475)
Refundable state historic tax credit		21	1,857
Gain on sale of securities			667
Interchange fee income	2,071	2,116	1,755
Other	3,084	2,888	2,518
Total non-interest income	19,271	18,847	18,237
NON-INTEREST EXPENSE
Salaries and employee benefits	38,854	38,612	32,990
Occupancy	4,619	4,698	4,296
Advertising and public relations	1,159	1,427	1,128
Professional services	3,425	3,587	3,544
Technology and communications	5,187	5,376	5,234
Amortization of intangibles	400	537	533
Merger-related expenses			5,958
FDIC insurance	1,025	1,133	1,090
Other	5,266	5,849	5,087
Total non-interest expense	59,935	61,219	59,860
INCOME BEFORE INCOME TAXES	29,552	31,926	12,808
INCOME TAX PROVISION	7,163	7,883	1,562
NET INCOME	$ 22,389	$ 24,043	$ 11,246
Net income per common share-basic	$ 4.07	$ 4.41	$ 2.15
Net income per common share-diluted	$ 4.04	$ 4.37	$ 2.13
Weighted average number of common shares outstanding	5,495,044	5,447,057	5,232,881
Weighted average number of diluted shares outstanding	5,536,375	5,501,511	5,268,560

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements Of Comprehensive Income (Loss) [Abstract]
NET INCOME	$ 22,389	$ 24,043	$ 11,246
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX:
Unrealized (loss) gain on available-for-sale securities	(44,188)	(5,557)	2,369
Reclassification of gain on sale of securities			(494)
Total	(44,188)	(5,557)	1,875
Defined benefit pension plans:
Amortization of prior service cost	22	23	23
Amortization of actuarial loss	200	280	330
Actuarial gains (losses)	359	302	(364)
Total	581	605	(11)
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX	(43,607)	(4,952)	1,864
COMPREHENSIVE INCOME (LOSS)	$ (21,218)	$ 19,091	$ 13,110

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 Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2019	$ 2,467	$ 63,302	$ 85,267	$ (2,583)		$ 148,453
Net Income			11,246			11,246
Other comprehensive income (loss)				1,864		1,864
Cash dividends			(5,991)			(5,991)
Stock compensation expense		883				883
Issued restricted shares, net of forfeitures	12	(12)
Issued shares under Dividend Reinvestment Plan	3	148				151
Issued shares in Employee Stock Purchase Plan	9	407				416
Issued shares in stock option exercises	5	145				150
Reissued shares in stock option exercises	212	11,521				11,733
Balance at Dec. 31, 2020	2,708	76,394	90,522	(719)		168,905
Net Income			24,043			24,043
Other comprehensive income (loss)				(4,952)		(4,952)
Cash dividends			(6,541)			(6,541)
Stock compensation expense		947				947
Reissued restricted shares	9	(9)
Issued restricted shares, net of forfeitures	4	290				294
Issued shares under Dividend Reinvestment Plan	6	393				399
Issued shares in Employee Stock Purchase Plan	10	187				197
Issued shares in stock option exercises	7	593				600
Balance at Dec. 31, 2021	2,744	78,795	108,024	(5,671)		183,892
Net Income			22,389			22,389
Other comprehensive income (loss)				(43,607)		(43,607)
Cash dividends			(6,942)			(6,942)
Stock compensation expense		1,206				1,206
Issued restricted shares, net of forfeitures	9	(9)
Issued shares under Dividend Reinvestment Plan	4	291				295
Issued shares in Employee Stock Purchase Plan	7	377				384
Issued shares in stock option exercises	11	361				372
Repurchased shares in common stock					$ (4,140)	(4,140)
Reissued shares in stock option exercises		10	(115)		249	144
Balance at Dec. 31, 2022	$ 2,775	$ 81,031	$ 123,356	$ (49,278)	$ (3,891)	$ 153,993

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 1.26	$ 1.20	$ 1.16
Reissued restricted shares			310
Issued restricted shares, net of forfeitures	18,844	18,181	23,338
Issued shares under Dividend Reinvestment Plan	7,738	8,293	6,813
Issued shares in Employee Stock Purchase Plan	12,731	12,166	19,434
Issued shares in stock option exercises	22,270	19,715	9,230
Repurchased shares in common stock	112,068
Issued shares in stock consideration			422,475
Reissued shares in stock option exercises	7,244		501
Reissued restricted shares, forfeitures	2,467
Issued shares for earnout		13,017

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
OPERATING ACTIVITIES:
Interest received	$ 76,390	$ 71,457	$ 63,677
Fees received	17,958	19,197	17,240
Interest paid	(6,513)	(5,997)	(10,830)
Cash paid to employees and vendors	(58,294)	(58,267)	(59,312)
Income tax paid	(3,327)	(5,790)	(2,953)
Proceeds from sale of loans held for resale	4,897	949	15,408
Originations of loans held for resale	(4,704)	(1,037)	(15,443)
Net cash provided by operating activities	26,407	20,512	7,787
INVESTING ACTIVITIES:
Available for sales securities: Purchases	(144,413)	(189,838)	(91,504)
Available for sales securities: Proceeds from sales			25,553
Available for sales securities: Proceeds from maturities, calls, and payments	19,066	37,928	55,892
Held to maturity securities: Purchases	(6,651)	(3,845)	(5,361)
Held to maturity securities: Proceeds from maturities, calls, and payments	2,867	4,884	3,543
Cash paid for bank owned life insurance	(6,830)
Proceeds from bank-owned life insurance claims	378
Additions to properties and equipment	(1,008)	(1,033)	(5,822)
Proceeds from sales of assets		581	1,500
Purchase of tax credit investment	191	(1,913)
Sale of other real estate	1,380	129	982
Net cash used in acquisitions		(900)	(6,490)
Net (increase) decrease in loans	(101,555)	131,387	(191,684)
Net cash used in investing activities	(236,575)	(22,620)	(213,391)
FINANCING ACTIVITIES:
Repayments of short-term borrowings, net	176,236	(675)	(16,329)
(Repayments of) proceeds from long-term borrowings	(12,598)	(10,454)	20,693
Debt issuance cost of long term borrowings			(509)
Net (decrease) increase in deposits	(165,314)	166,069	265,770
Dividends paid	(6,942)	(6,541)	(5,991)
Repurchase of treasury stock	(4,140)
Issuance of common stock	1,051	890	717
Reissuance of treasury stock	144
Net cash (used in) provided by financing activities	(11,563)	149,289	264,351
Net (decrease) increase in cash and equivalents	(221,731)	147,181	58,747
CASH AND CASH EQUIVALENTS:
Beginning of year	244,785	97,604	38,857
End of year	23,054	244,785	97,604
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	22,389	24,043	11,246
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	1,647	1,260	1,205
Deferred tax expense (benefit)	251	1,520	(1,852)
Provision (credit) for loan losses	2,739	(1,513)	5,351
Loss on tax credit investment		30	2,475
Changes in refundable state historic tax credits		(21)	(1,857)
Net (gain) loss on sales of assets and other real estate owned	(196)	135	(702)
Gain on sales of securities			(667)
Gain on loans sold	(95)	(11)	(383)
Stock compensation expense	1,206	947	883
Proceeds from sale of loans held for resale	4,897	949	15,408
Originations of loans held for resale	(4,704)	(1,037)	(15,443)
Changes in assets and liabilities affecting cash flow:
Other assets	2,914	(8,679)	(5,745)
Other liabilities	(4,641)	2,889	(2,132)
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 26,407	$ 20,512	7,787
SUPPLEMENTAL DISCLOSURE OF NON-CASH INVESTING AND FINANCING ACTIVITIES
Fair value of assets acquired in acquisition (non-cash)			311,847
Fair value of liabilities assumed in acquisition			$ 296,076

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Organization and General Evans Bancorp, Inc. (the “Company”) was organized as a New York business corporation and incorporated under the laws of the State of New York on October 28, 1988 for the purpose of becoming a bank holding company. Through August 2004, the Company was registered with the Federal Reserve Board (“FRB”) as a bank holding company under the Bank Holding Company Act of 1956, as amended. In August 2004, the Company filed for, and was approved as, a Financial Holding Company under the Bank Holding Company Act. The Company currently conducts its business through its two subsidiaries: Evans Bank, N.A. (the “Bank”), a nationally chartered bank, and its subsidiary, Evans National Holding Corp. (“ENHC”); and Evans National Financial Services, LLC (“ENFS”) and its subsidiary, The Evans Agency LLC (“TEA”). Unless the context otherwise requires, the term “Company” refers collectively to Evans Bancorp, Inc. and its subsidiaries. The Company conducts its business through its subsidiaries. It does not engage in any other substantial business. Regulatory Requirements The Company is subject to the rules, regulations, and reporting requirements of various regulatory bodies, including the FRB, the Federal Deposit Insurance Corporation (“FDIC”), the Office of the Comptroller of the Currency (“OCC”), the New York State Department of Financial Services (“NYSDFS”), and the Securities and Exchange Commission (“SEC”). Principles of Consolidation The consolidated financial statements include the accounts of the Company, the Bank, ENFS and their subsidiaries. All material inter-company accounts and transactions are eliminated in consolidation. Accounting Estimates Management has made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these consolidated financial statements in conformity with U.S. generally accepted accounting principles. These estimates and assumptions are based on management’s best estimates and judgment and management evaluates them on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from our estimates. Changes in those estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in periods as they occur. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits at banks. Securities Securities which the Bank has the positive intent and ability to hold to maturity are classified as held to maturity and are stated at cost, adjusted for discounts and premiums that are recognized in interest income over the period to the earlier of the call date or maturity using the level yield method. These securities represent debt issuances of local municipalities in the Bank’s market area for which market prices are not readily available. Management periodically evaluates the financial condition of the municipalities for any indication that the Bank does not expect to recover the entire amortized cost basis of their bonds. Securities classified as available for sale are stated at fair value with unrealized gains and losses excluded from earnings and reported, net of deferred income taxes, in accumulated other comprehensive income or loss, a component of stockholders’ equity. Gains and losses on sales of securities are computed using the specific identification method. Declines in the fair value of investment securities (with certain exceptions for debt securities noted below) that are deemed to be other-than-temporary are charged to earnings as a realized loss and a new cost basis for the securities is established. Declines in the fair value of debt securities below amortized cost are deemed to be other-than-temporary in circumstances where: (1) the Bank has the intent to sell a security; (2) it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis; or (3) the Bank does not expect to recover the entire amortized cost basis of the security. If the Bank intends to sell a security or if it is more likely than not that the Bank will be required to sell the security before recovery, an other-than-temporary impairment write-down is recognized in earnings equal to the difference between the security’s amortized cost basis and its fair value. If the Bank does not intend to sell the security or it is not more likely than not that it will be required to sell the security before recovery, the other-than-temporary impairment write-down is separated into an amount representing credit loss, which is recognized in earnings, and an amount related to all other factors, which is recognized in other comprehensive income or loss. The Bank does not engage in securities trading activities. Federal Home Loan Bank Stock The Bank is a member of the Federal Home Loan Bank (“FHLB”) System. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are recorded as a component of interest income. Federal Reserve Bank Stock The Bank is a member of the FRB. FRB stock is carried at cost, classified as a restricted security. Both cash and stock dividends are recorded as a component of interest income. Loan Servicing Assets Servicing assets are related to residential mortgage loans sold and are recognized at the time of sale when servicing is retained with the income statement effect recorded in gains on loans sold. Servicing assets are initially recorded at fair value based on the present value of the contractually specified servicing fee, net of estimated servicing costs, over the estimated life of the loan. The servicing assets are subsequently amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. The Company periodically evaluates servicing assets for impairment based upon the fair value of the assets as compared to their carrying amount. Loans Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or pay-off, generally are reported at their outstanding unpaid principal balances adjusted for unamortized deferred fees or costs. Interest income is accrued on the unpaid principal balance and is recognized using the interest method. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective yield method of accounting for amortizing loans and straight line over an estimated life for lines of credit. Loans become past due when the payment date has been missed. If payment has not been received within 30 days, then the loan is delinquent. Delinquent loans are placed into three categories; 30-59 days past due, 60-89 days past due, or 90+ days past due. Loans 90 or more days past due are considered non-performing. The accrual of interest on loans is discontinued at the time the loan is 90 days delinquent, unless the credit is well secured and in process of collection. If the credit is not well secured and in the process of collection, the loan is placed on non-accrual status and is subject to charge-off if collection of principal or interest is considered doubtful. A loan can also be placed on nonaccrual before it is 90 days delinquent if management determines that it is probable that the Bank will be unable to collect principal or interest due according to the contractual terms of the loan. All interest due but not collected for loans that are placed on non-accrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cost-recovery method, until it again qualifies for an accrual basis. Any cash receipts on non-accrual loans reduce the carrying value of the loans. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current, the adverse circumstances which resulted in the delinquent payment status are resolved, and payments are made in a timely manner for a period of time sufficient to reasonably assure their future dependability. The Bank considers a loan impaired when, based on current information and events, it is probable that it will be unable to collect principal or interest due according to the contractual terms of the loan. These loans are individually assessed for any impairment. Loan impairment is measured based on the present value of expected cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral, less costs to sell, if the loan is collateral dependent. 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 loan being downgraded on the Company’s internal loan rating scale to special mention or substandard depending on the amount of the loan, the type of loan and the type of collateral. All impaired nonaccrual loans are either graded special mention or substandard on the internal loan rating scale. Subsequent to the downgrade, 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. The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) 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 : Credits with a slight risk of loss. The loan is secured by collateral of sufficient value to cover the loan by an acceptable margin. The financial statements of the company demonstrate sufficient net worth and repayment ability. The company has established an acceptable credit history with the bank and typically has a proven track record of performance. Management is experienced, and has an at least average ability to manage the company. The industry has an average or less than average susceptibility to wide fluctuations in business cycles.  Watch : Credits are generally acceptable but warrant greater attention than those rated acceptable or better. Temporary performance issues, if left unresolved, may result in above average risk. The borrower’s financial position is not typically strong. Earnings, while still positive, may be inconsistent. Industry issues or external events (such as possible litigation exposure) may cause concern. Although ability to repay is not an immediate concern, more regular monitoring may be necessary as a result of the short-term performance issues or sensitivities to external events that may result in a weakening condition. Any perceived weaknesses are acceptable when viewed against the overall credit and collateral risks assumed. Borrowers are likely fully leveraged when compared to others in a similar industry and their ability to raise capital may be limited.  Special Mention : Credits that have potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Borrowers in this category may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet. Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure as special mention include management problems, pending litigation, stale financial statements, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices. Potential weaknesses in commercial real estate loans may include, construction delays, changes in concept or project plan, slow leasing, rental concessions, deteriorating market conditions, impending expiry of a major lease, or other adverse events that do not currently jeopardize repayment.  Substandard : Credits that are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility of loss if the deficiencies are not corrected. Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. They are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. Although substandard assets in the aggregate will have distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated substandard. A well-defined weakness may manifest itself via: • significant deterioration in financial condition of the borrower; • impairment of primary repayment source; • material deviation from planned absorption of rental or sales units; or • material deterioration in market conditions. Commercial real estate credits evidencing one or more of the following characteristics are evaluated for a possible substandard classification: • slower than projected leasing or sales activity that threatens to result in protracted repayment or default; • lower than projected lease rates or sales prices that jeopardize repayment capacity; • changes in concept or plan due to unfavorable market conditions; • construction or tax liens; • inability to obtain necessary zoning or permits necessary to develop the project as planned; • a diversion of needed cash from an otherwise viable property to satisfy the demands of a troubled borrower or guarantor; • material imbalances in the construction budget; • significant construction delays; • expiration of a major lease or default by a major tenant; • poorly structured of overly liberal repayment terms. When a project has slowed or stalled and the guarantor is providing some support but the loan has not been restructured, unless the guarantor is providing support of principal payments sufficient to retire the debt under reasonable terms, a substandard classification is typically warranted. If the guarantor is keeping interest payments current and shows a documented willingness and capacity to do so in the future, and collateral values protect against loss, the loan should generally be left on accrual. This level of support; however, does not fully mitigate the well-defined weaknesses in the credit and does not preclude a substandard classification.  Doubtful : Credits that have all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. A doubtful asset has a high probability of total or substantial loss but because of specific pending events that may strengthen the assets, its classification as loss is deferred. Borrowers in this category are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Because of high probability of loss, nonaccrual accounting treatment is required for doubtful assets. Circumstances that might warrant a doubtful classification for commercial real estate loans could include collateral values that are uncertain due to a lack of comparisons in an inactive market, impending changes such as zoning classification, environmental issues, or the pending resolution of legal issues that may affect the realization of value in a sale.  Loss : Credits that are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Borrowers in this category are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. The Company does not maintain an asset on the balance sheet if realizing its value would require long-term litigation or other lengthy recovery efforts. 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. Consumers are not required to provide the Company with updated financial information as is a commercial customer. Consumer loans also carry smaller balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company does not have credit risk ratings for consumer loans and instead uses delinquency status as the credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. Loans acquired in a business combination are recorded at fair value with no carry-over of an acquired entity’s previously established allowance for credit losses. Purchased impaired loans represent specifically identified loans with evidence of credit deterioration for which it was probable at acquisition that the Company would be unable to collect all contractual principal and interest payments. For purchased impaired loans, the excess of cash flows expected at acquisition over the estimated fair value of acquired loans is recognized as interest income over the remaining lives of the loans. Subsequent decreases in the expected principal cash flows require the Company to evaluate the need for additions to the Company’s allowance for credit losses. Subsequent improvements in expected cash flows result first in the recovery of any related allowance for credit losses and then in recognition of additional interest income over the then remaining lives of the loans. For all other acquired loans, the difference between the fair value and outstanding principal balance of the loans is recognized as an adjustment to interest income over the lives of those loans. Allowance for Loan Losses The provision for loan losses represents the amount charged against the Bank’s earnings to maintain an allowance for probable incurred loan losses inherent in the portfolio based on management’s evaluation of the loan portfolio at the balance sheet date. Factors considered by the Bank’s management in establishing the allowance include: the collectability of individual loans, current loan concentrations, charge-off history, loss emergence period, delinquent loan percentages, the fair value of the collateral, input from regulatory agencies, and general economic conditions. On a quarterly basis, management of the Bank meets to review and determine the adequacy of the allowance for loan losses. In making this determination, the Bank’s management analyzes the ultimate collectability of the loans in its portfolio by incorporating feedback provided by the Bank’s internal loan staff, an independent internal loan review function and information provided by examinations performed by regulatory agencies. The analysis of the allowance for loan losses is composed of two components: specific credit allocation and general portfolio allocation. The specific credit allocation includes a detailed review of each impaired loan and allocation is made based on this analysis. Factors may include the appraisal value of the collateral, the age of the appraisal, the type of collateral, the performance of the loan to date, the performance of the borrower’s business based on financial statements, and legal judgments involving the borrower. The general portfolio allocation consists of an assigned reserve percentage based on the historical loss experience, the loss emergence period, and other qualitative factors of the loan category. The general portfolio allocation is segmented into homogeneous pools of loans with similar characteristics. Separate pools of loans include loans pooled by loan grade and by portfolio segment. An average historical loss rate over the past ten years multiplied by the loss emergence period factor is applied against these loans. For both the criticized and non-criticized loan pools in the general portfolio allocation, additional qualitative factors are applied. The qualitative factors applied to the general portfolio allocation reflect management’s evaluation of various conditions. The conditions evaluated include the following: levels and trends in delinquencies, non-accruals, and criticized loans; trends in volume and terms of loans; effects of any changes in lending policies and credit quality underwriting standards; experience, ability, and depth of management; national and economic trends and conditions; changes in the quality of the loan review system; concentrations of credit risk; changes in collateral value; and large loan risk. The total possible qualitative allocation is determined by comparing peer bank historical charge-off rates to the Bank’s historical charge-off rate. The actual qualitative allocation is determined by qualitative factor by loan type based on metrics that management believes are appropriate indicators of whether the Bank is in a low, moderate, or high risk range relative to historical experience for each qualitative factor. A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered to be a Troubled Debt Restructuring (“TDR”). The allowances for credit losses on loans on a TDR is measured using the specific credit allocation . On April 7, 2020, federal banking regulators issued a revised Interagency Statement on Loan Modifications and Reporting for Financial Institutions, which, among other things, encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19, and stated that institutions generally do not need to categorize COVID-19-related modifications as TDRs and that the agencies will not direct supervised institutions to automatically categorize all COVID-19 related loan modifications as TDRs. Similarly, under the CARES Act, provisions were included that allow for loan modifications to not be classified as TDRs if certain criteria were met. The TDR exemption expired on January 1, 2022. Foreclosed Real Estate Foreclosed real estate is initially recorded at fair value (net of costs of disposal) at the date of foreclosure. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. Assessments are periodically performed by management, and an allowance for losses is established through a charge to operations if the carrying value of a property exceeds fair value. Operating Leases The Company determines if an arrangement is a lease at inception by assessing whether there is an identified asset and whether the contract conveys the right to control the use of the identified asset for a period of time in exchange for consideration. Operating leases with a term of more than one year are included in operating lease Right-of-Use (“ROU”) assets and operating lease liabilities. The Company made a policy election to apply the short-term lease exemption to any operating leases with an original term of less than 12 months, therefore no ROU asset or lease liability is recorded for these operating leases. ROU assets represent the Company's right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized on the lease commencement date based on the present value of lease payments over the lease term. The Company uses the incremental borrowing rate commensurate with the lease term based on the information available at the lease commencement date in determining the present value of lease payments. Insurance Service and Fees Commission revenue from selling commercial and personal property and casualty insurance on behalf of the insurance carriers is recognized at the time of the sale of the policy or when a policy renews. Commission revenue from selling benefit plans to commercial customers on behalf of the insurance carriers is recognized each month when the customer continues with the benefit plan. The Company also receives contingent commissions from insurance companies which are based on the overall profitability of their relationship based primarily on the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are accrued throughout the year based on recent historical results. As loss events occur and overall performance becomes known, accrual adjustments are recorded until the cash is ultimately received. Financial services commissions and insurance claims services revenue are recognized when the services are rendered. Information on insurance service and fee revenue is included in Note 15 to these Consolidated Financial Statements, “Revenue Recognition of Non-interest Income.” Goodwill and Other Intangible Assets The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company does not amortize goodwill and any acquired intangible asset with an indefinite useful economic life, but reviews them for impairment at a reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. The Company has selected December 31 as the date to perform the annual impairment test. A reporting unit is defined as any distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by the segment’s management. Goodwill is the only intangible asset with an indefinite life on the Company’s balance sheet. The Company amortizes acquired intangible assets with definite useful economic lives, consisting of core deposit intangibles, customer relationships and trade names, over their useful economic lives, which range from 5 to 10 years, utilizing the straight-line method. Business Combinations The company accounts for business combinations under the acquisition method of accounting. Upon obtaining control of the acquired entity, the Company records all identifiable assets and liabilities at their estimated fair values. Goodwill is recorded when the consideration paid for an acquired entity exceeds the estimated fair value of the net assets acquired. Changes to the acquisition date fair values of assets acquired and liabilities assumed may be made as adjustments to goodwill over a 12-month measurement period following the date of acquisition. Such adjustments are attributable to additional information obtained related fair value estimates of the assets acquired and liabilities assumed. Certain costs associated with business combinations are expensed as incurred. Subordinated Debt Long-term borrowings are carried at cost, adjusted for amortization of premiums and accretion of discounts, which are recognized in interest expense using the interest method. Debt issuance costs are recognized in interest expense over the life of the instrument. Bank-Owned Life Insurance The Bank has purchased insurance on the lives of Company directors and certain members of the Company’s management. The policies accumulate asset values to meet future liabilities, including the payment of employee benefits, such as retirement benefits. Increases in the cash surrender value are recorded as other income in the Company’s Consolidated Statements of Income. Properties and Equipment Land is carried at cost. Properties and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from 3 to 39 years. Impairment losses on properties and equipment are realized if the carrying amount is not recoverable from its undiscounted cash flows and exceeds its fair value. Income Taxes Deferred tax assets and liabilities are recognized for the future tax effects attributable to differences between the financial statement value of existing assets and liabilities and their respective tax bases and carryforwards. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense. The Bank has invested in partnerships that incur expenses related to the rehabilitation of a certified historic structure located in New York State. At the time the historic structure is placed in service, the Bank is eligible for a federal and New York State tax credit. At the same time, the Bank evaluates its investment, which is valued at the present value of the expected cash flows from its partnership interest. If the investment is determined to be impaired, the Bank will record that impairment loss on its income statement in non-interest income. The federal tax credit impact is included in the Company’s estimated effective tax rate calculation and recorded in income tax expense. For New York State, any new credit earned from rehabilitated historic properties placed in service on or after January 1, 2015 not used in the current tax year will be treated as a refund or overpayment of tax to be credited to the next year’s tax. Since the realization of the tax credit does not depend on the Bank’s generation of future taxable income or the Bank’s ongoing tax status or tax position, the refund is not considered an element of income tax accounting. In such cases, the Bank would not record the credit as a reduction of income tax expense; rather, the Bank includes the refundable New York State tax credit in non-interest income with a corresponding receivable recorded in other assets. Earnings Per Share Earnings per common share is determined by dividing net income by the weighted average number of shares outstanding during the period. Diluted earnings per common share is based on increasing the weighted-average number of shares of common stock by the number of shares of common stock that would be issued assuming the exercise of stock options. Such adjustments to weighted-average number of shares of common stock outstanding are made only when such adjustments are expected to dilute earnings per common share. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and are not included in calculating diluted earnings per

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2022
Acquisitions [Abstract]
Acquisitions	2. ACQUISITIONS The Company did not have any acquisitions during 2022 or 2021. On May 1, 2020, the Company completed the acquisition of FSB Bancorp, Inc., a Maryland corporation and the parent holding company of Fairport Savings Bank (“FSB”). On that date, FSB was merged into Evans Bank, a wholly owned banking subsidiary of the Company. There were no merger-related expenses recorded in 2022 or 2021. Direct acquisition and other charges incurred in connection with the FSB merger were expensed as incurred and totaled $ 6.0 million for the year ended December 31, 2020. These expenses were recorded in merger-related expense on the consolidated statements of income. The following table presents selected unaudited pro forma financial information reflecting the FSB merger assuming it was completed as of January 1, 2020. The unaudited pro forma financial information is presented for illustrative purposes only and is not necessarily indicative of the financial results of the combined companies had the FSB merger actually been completed at the beginning of the period presented, nor does it indicate future results for any other interim or full year period. The unaudited pro forma information is based on the actual financial statements of the Company for the period presented, and on the actual financial statements of FSB for the year ended December 31, 2020 until the date of the FSB merger, at which time FSB’s results of operations were included in the Company’s financial statements. 2020 (in thousands) Net interest income after provision $ 56,090 Non-interest income 18,826 Non-interest expense 57,409 Net income 14,723 The unaudited supplemental pro forma information for the year ended December 31, 2020 set forth above reflects adjustments related to (a) purchase accounting fair value adjustments; (b) amortization of core deposit; and (c) adjustments to interest income and expense due to amortization of premiums and accretion of discounts. Furthermore, the unaudited supplemental pro forma information does not reflect management’s estimate of any revenue enhancement opportunities or anticipated potential cost savings for periods that include data as of May 1, 2020 or earlier. The disclosures regarding the results of operations for FSB subsequent to its acquisition date are omitted as this information is not practical to obtain.

Securities

Securities	12 Months Ended
	Dec. 31, 2022
Securities [Abstract]
Securities	3. SECURITIES The amortized cost of securities and their approximate fair value at December 31 were as follows: 2022 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 165,495 $ 1 $ ( 24,814 ) $ 140,682 States and political subdivisions 23,480 4 ( 1,662 ) 21,822 Total debt securities $ 188,975 $ 5 $ ( 26,476 ) $ 162,504 Mortgage-backed securities: FNMA $ 75,921 $ - $ ( 12,819 ) $ 63,102 FHLMC 46,922 - ( 6,695 ) 40,227 GNMA 40,039 - ( 6,580 ) 33,459 SBA 22,556 - ( 2,419 ) 20,137 CMO 53,803 - ( 8,906 ) 44,897 Total mortgage-backed securities $ 239,241 $ - $ ( 37,419 ) $ 201,822 Total securities designated as available for sale $ 428,216 $ 5 $ ( 63,895 ) $ 364,326 Held to Maturity: Debt securities States and political subdivisions $ 6,949 $ - $ ( 140 ) $ 6,809 Total securities designated as held to maturity $ 6,949 $ - $ ( 140 ) $ 6,809 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. 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 $ 226 million and $ 207 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at December 31, 2022 and 2021, respectively. The scheduled maturity of debt and mortgage-backed securities at December 31, 2022 is 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. December 31, 2022 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 6,849 $ 6,780 Due after one year through five years 87,550 80,768 Due after five years through ten years 65,586 54,906 Due after ten years 28,990 20,050 188,975 162,504 Mortgage-backed securities available for sale 239,241 201,822 Total $ 428,216 $ 364,326 Debt securities held to maturity: Due in one year or less $ 6,096 $ 6,061 Due after one year through five years 441 407 Due after five years through ten years 412 341 Due after ten years - - Total $ 6,949 $ 6,809 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 realized gains or losses from sales of securities in 2022 or 2021. Gross realized gains and gross realized losses on sales of investment securities were $ 0.7 million and less than $ 0.1 million, respectively, in 2020. Information regarding unrealized losses within the Company’s available for sale securities at December 31, 2022 and 2021 is summarized below. The securities are primarily U.S. government sponsored entities securities or municipal securities. All unrealized losses are considered temporary and related to market interest rate fluctuations. 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. government agencies $ 68,292 $ ( 5,929 ) $ 71,389 $ ( 18,885 ) $ 139,681 $ ( 24,814 ) States and political subdivisions 19,540 ( 1,645 ) 418 ( 17 ) 19,958 ( 1,662 ) Total debt securities $ 87,832 $ ( 7,574 ) $ 71,807 $ ( 18,902 ) $ 159,639 $ ( 26,476 ) Mortgage-backed securities: FNMA $ 23,242 $ ( 3,081 ) $ 39,860 $ ( 9,738 ) $ 63,102 $ ( 12,819 ) FHLMC 11,927 ( 790 ) 28,300 ( 5,905 ) 40,227 ( 6,695 ) GNMA 10,763 ( 1,298 ) 22,696 ( 5,282 ) 33,459 ( 6,580 ) SBA 16,996 ( 1,971 ) 3,141 ( 448 ) 20,137 ( 2,419 ) CMO 11,288 ( 673 ) 33,609 ( 8,233 ) 44,897 ( 8,906 ) Total mortgage-backed securities $ 74,216 $ ( 7,813 ) $ 127,606 $ ( 29,606 ) $ 201,822 $ ( 37,419 ) Held to Maturity: Debt securities: States and political subdivisions $ 6,627 $ ( 118 ) $ 182 $ ( 22 ) $ 6,809 $ ( 140 ) Total temporarily impaired securities $ 168,675 $ ( 15,505 ) $ 199,595 $ ( 48,530 ) $ 368,270 $ ( 64,035 ) 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. 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 ) Management has assessed the securities available for sale in an unrealized loss position at December 31, 2022 and 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 holds no securities backed by sub-prime or Alt-A residential mortgages or commercial mortgages and also does not hold any trust-preferred securities. The Company did no t record any other-than-temporary impairment charges in 2022, 2021, or 2020. The creditworthiness of the Company’s portfolio is largely reliant on the ability of U.S. government agencies such as the Federal Home Loan Bank (“FHLB”), Federal National Mortgage Association (“FNMA”), and the 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 going forward.

Loans And The Allowance For Loa

Loans And The Allowance For Loan Losses	12 Months Ended
	Dec. 31, 2022
Loans And The Allowance For Loan Losses [Abstract]
Loans And The Allowance For Loan Losses	4. LOANS AND THE ALLOWANCE FOR LOAN LOSSES Major categories of loans at December 31, 2022 and 2021 are summarized as follows: December 31, 2022 December 31, 2021 Mortgage loans on real estate: (in thousands) Residential mortgages $ 440,123 $ 411,060 Commercial and multi-family 778,714 739,761 Construction-Residential 3,626 5,109 Construction-Commercial 117,403 98,012 Home equities 82,414 81,238 Total real estate loans 1,422,280 1,335,180 Commercial and industrial loans 250,069 237,077 Consumer and other loans 572 719 Unaccreted yield adjustments* ( 552 ) ( 1,071 ) Total gross loans 1,672,369 1,571,905 Allowance for loan losses ( 19,438 ) ( 18,438 ) Loans, net $ 1,652,931 $ 1,553,467 *Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated . At December 31, 2022, the outstanding principal balance and the carrying amount of acquired credit-impaired loans totaled $ 0.8 million and $ 0.7 million, respectively, relatively consistent with an outstanding principal balance and carrying amount of $ 0.8 million at December 31, 2021. There were no valuation allowances for specifically identified impairment attributable to acquired credit-impaired loans at December 31, 2022 or 2021. There were $ 495 million and $ 619 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of December 31, 2022 and 2021, respectively. Residential Mortgages : The Company originates adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase, or refinancing of a mortgage. These loans are collateralized by owner-occupied properties located in the Company’s market area and are amortized over a period of 10 to 30 years. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80 % of the property’s appraised value or have private mortgage insurance. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling. The Company, in its normal course of business, sells certain residential mortgages which it originates to FNMA. The Company maintains servicing rights on the loans that it sells to FNMA and earns a fee thereon. The Bank determines with each origination of residential real estate loans which desired maturities, within the context of overall maturities in the loan portfolio, provide the appropriate mix to optimize the Bank’s ability to absorb the corresponding interest rate risk within the Company’s tolerance ranges. This practice allows the Company to manage interest rate risk, liquidity risk, and credit risk. At December 31, 2022 and 2021, the Company had approximately $ 57 million and $ 61 million, respectively, in unpaid principal balances of loans that it services for FNMA. For the years ended December 31, 2022 and 2021, the Company sold $ 4.5 million and $ 1 million, respectively, in loans to FNMA and realized gains on those sales of $ 0.1 million and less than $ 0.1 million, respectively. Gains or losses recognized upon the sale of loans are determined on a specific identification basis. At December 31, 2022, the Company also had approximately $ 59 million in unpaid principal balances of loans that it services for FHLMC, compared with $ 70 million at December 31, 2021. No loans were sold to FHLMC by the Company during the years 2022 and 2021. The Company had a related asset carried at fair value of approximately $ 1.1 million and $ 0.9 million for the servicing portfolio rights at December 31, 2022 and 2021, respectively. At December 31, 2022 no residential mortgages were held for sale, compared to $ 0.1 million in loans held for sale at December 31, 2021. The carrying value approximates fair value. Commercial and Multi-Family Mortgages and Commercial Construction Loans : Commercial real estate loans are made to finance the purchases of real estate with completed structures or in the midst of being constructed. These commercial real estate loans are secured by first liens on the real estate, which may include apartments, hotels, retail stores or plazas, healthcare facilities, and other non-owner-occupied facilities. These loans are generally less risky than commercial and industrial loans since they are secured by real estate and buildings. The Company offers commercial mortgage loans with up to an 80 % LTV ratio for up to 20 years on a variable and fixed rate basis. Many of these mortgage loans either mature or are subject to a rate call after three to five years . The Company’s underwriting analysis includes credit verification, independent appraisals, a review of the borrower's financial condition, and the underlying cash flows. Construction loans have a unique risk, because they are secured by an incomplete dwelling. Home Equities : The Company originates home equity lines of credit and second mortgage loans (loans secured by a second lien position on one-to-four-family residential real estate). These loans carry a higher risk than first mortgage residential loans because they are in a second position with respect to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate. Commercial and Industrial Loans: These loans generally include term loans and lines of credit. Such loans are made available to businesses for working capital (including inventory and receivables), business expansion (including acquisition of real estate, expansion, and improvements) and equipment purchases. As a general practice, a collateral lien is placed on equipment or other assets owned by the borrower. These loans generally carry a higher risk than commercial real estate loans based on the nature of the underlying collateral, which can be business assets such as equipment and accounts receivable. To reduce the risk, management also attempts to secure real estate as collateral and obtain personal guarantees of the borrowers. To further reduce risk and enhance liquidity, these loans generally carry variable rates of interest, re-pricing in three - to five -year periods, and have a maturity of five years or less. Lines of credit generally carry floating rates of interest (e.g. prime plus a margin). Consumer Loans : The Company funds a variety of consumer loans, including direct automobile loans, recreational vehicle loans, boat loans, home improvement loans, and personal loans (collateralized and uncollateralized). Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging up to five years , based upon the nature of the collateral and the size of the loan. The majority of consumer loans are underwritten on a secured basis using the underlying collateral being financed. A minimal amount of loans are unsecured, which carry a higher risk of loss. These loans included overdrawn deposit accounts classified as loans of $ 0.1 million at December 31, 2022 and 2021. The following tables summarize the allowance for loan losses, as of December 31, 2022 and 2021, respectively, by portfolio segment. The segments presented are at the level management uses to assess and monitor the risk and performance of the portfolio. 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 ) - ( 170 ) ( 125 ) ( 30 ) ( 1,871 ) Recoveries 114 - 18 - - 132 Provision (Credit) 3,103 ( 772 ) 251 100 57 2,739 Ending balance $ 4,980 $ 11,595 $ 153 $ 2,102 $ 608 $ 19,438 Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment - 251 - 28 77 356 Collectively evaluated for impairment 4,980 11,344 153 2,074 531 19,082 Total $ 4,980 $ 11,595 $ 153 $ 2,102 $ 608 $ 19,438 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 687 $ - $ 687 Individually evaluated for impairment 2,697 18,144 - 4,020 949 25,810 Collectively evaluated for impairment 247,372 877,973 572 439,042 81,465 1,646,424 Total $ 250,069 $ 896,117 $ 572 $ 443,749 $ 82,414 $ 1,672,921 N ote : Loan balances do not include $( 0.6 ) million of unaccreted yield adjustments as of December 31, 2022. * includes construction loans 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 ) ( 1 ) ( 147 ) - - ( 572 ) Recoveries 76 - 30 - 2 108 Provision (Credit) ( 1,225 ) ( 881 ) 126 469 ( 2 ) ( 1,513 ) Ending balance $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 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 A description of the Company’s accounting policies and the methodology used to estimate the allowance for loan losses, including a description of the factors considered in determining the allowance for loan losses, such as historical losses and existing economic conditions, is included in Note 1 to these Consolidated Financial Statements. The following table provides data, at the class level, of credit quality indicators of certain loans, as of December 31, 2022 and 2021, respectively: 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 $ 77,378 $ 567,112 $ 644,490 $ 177,278 Watch 22,639 168,626 191,265 40,603 Special Mention 4,979 17,965 22,944 25,316 Substandard 12,407 25,011 37,418 6,872 Doubtful/Loss - - - - Total $ 117,403 $ 778,714 $ 896,117 $ 250,069 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 of the COVID-19 pandemic. Loans that have returned to compliance with contractual payment terms for a sustained period have been upgraded out of the watch or criticized categories. The Company identified a well-defined weakness in the hotel industry and classified the $ 81 million of loans to clients within that industry during 2020. Subsequently, more than half of this portfolio has been upgraded of paid off. Currently, $30 million of the hotel portfolio remains in criticized status at the end of 2022. Total criticized assets decreased to $ 93 million at December 31, 2022 compared with $ 111 million at the end of 2021. The Company evaluates the loan portfolio to ensure that specific credits are appropriately graded and reserved. At least annually, borrowers’ financial information is reviewed by the individual relationship managers. Independent of the individual relationship managers, the credit department performs annual reviews on all requisite relationships within the loan portfolio. In addition to the credit department, the Company has engaged an independent vendor to monitor the management of the Company’s commercial loan portfolio. The Company’s loan review function reviews a percentage of the commercial loan portfolio based on an annual risk assessment, typically ranging from 40% to 50%. The Company believes that the allowance for loan losses is reflective of a fair assessment of the current environment and credit quality trends. The Company’s consumer loans, including residential mortgages and home equity loans and lines of credit, are not individually risk rated or reviewed as part of 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 dollar balances. Given the lack of updated information since the initial underwriting of the loan and the small size of individual loans, the Company uses delinquency status as the primary credit quality indicator for consumer loans. Once a consumer loan reaches 60 days past due, management orders an independent appraisal of the underlying collateral and produces a credit report on the borrower. After discounting for potential selling costs and other factors specific to the property or borrower, the book value of the loan is then compared to the collateral value as determined by the appraisal. In situations where the Company holds a junior lien, management accounts for the amount of the senior liens held by other lenders, and the collateral value is more heavily discounted to account for the increased risk. If the loan is ultimately determined to be impaired, it is placed in non-accrual status. Unless the loan is well secured and in the process of collection, all consumer loans that are more than 90 days past due are placed in non-accrual status. A summary of current, past due, and nonaccrual loans as of December 31, 2022 and 2021 follows: 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 246,393 $ 235 $ 684 $ 139 $ 2,618 $ 250,069 Residential real estate: Residential 434,773 1,111 - 472 3,767 440,123 Construction 3,626 - - - - 3,626 Commercial real estate: Commercial 770,911 1,079 - 75 6,649 778,714 Construction 107,063 - - 1,648 8,692 117,403 Home equities 80,797 752 198 100 567 82,414 Consumer and other 567 3 1 1 - 572 Total Loans $ 1,644,130 $ 3,180 $ 883 $ 2,435 $ 22,293 $ 1,672,921 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 The following table provides data, at the class level, of impaired loans: At December 31, 2022 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 2,697 $ 3,334 $ - $ 2,654 $ 82 Residential real estate: Residential 4,607 5,109 - 4,522 57 Construction - - - - - Commercial real estate: Commercial 9,453 9,778 - 7,928 288 Construction 7,360 7,500 - 3,715 282 Home equities 813 885 - 778 24 Consumer and other - - - - - Total impaired loans $ 24,930 $ 26,606 $ - $ 19,597 $ 733 At December 31, 2022 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ - $ - $ - $ - $ - Residential real estate: Residential 59 59 28 59 - Construction - - - - - Commercial real estate: Commercial - - - - - Construction 1,331 1,499 251 1,360 - Home equities 136 153 77 58 2 Consumer and other - - - - - Total impaired loans $ 1,526 $ 1,711 $ 356 $ 1,477 $ 2 At December 31, 2022 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 2,697 $ 3,334 $ - $ 2,654 $ 82 Residential real estate: Residential 4,666 5,168 28 4,581 57 Construction - - - - - Commercial real estate: Commercial 9,453 9,778 - 7,928 288 Construction 8,691 8,999 251 5,075 282 Home equities 949 1,038 77 836 26 Consumer and other - - - - - Total impaired loans $ 26,456 $ 28,317 $ 356 $ 21,074 $ 735 At December 31, 2021 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 4,874 $ 5,712 $ - $ 5,126 $ 22 Residential real estate: Residential 3,297 3,654 - 3,602 27 Construction - - - - - Commercial real estate: Commercial 8,821 9,338 - 11,223 270 Construction 1,395 1,499 - 1,144 - Home equities 1,127 1,324 - 1,319 12 Consumer and other - - - - - Total impaired loans $ 19,514 $ 21,527 $ - $ 22,414 $ 331 At December 31, 2021 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 154 $ 158 $ 100 $ 159 $ 4 Residential real estate: Residential 60 60 9 59 1 Construction - - - - - Commercial real estate: Commercial 171 717 16 191 - Construction 1,538 1,555 329 1,642 - Home equities 109 109 41 109 - Consumer and other - - - - - Total impaired loans $ 2,032 $ 2,599 $ 495 $ 2,160 $ 5 At December 31, 2021 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,028 $ 5,870 $ 100 $ 5,285 $ 26 Residential real estate: Residential 3,357 3,714 9 3,661 28 Construction - - - - - Commercial real estate: Commercial 8,992 10,055 16 11,414 270 Construction 2,933 3,054 329 2,786 - Home equities 1,236 1,433 41 1,428 12 Consumer and other - - - - - Total impaired loans $ 21,546 $ 24,126 $ 495 $ 24,574 $ 336 2020 Average Recorded Investment Interest Income Recognized With no related allowance recorded: With related allowance recorded: Total With no related allowance recorded: With related allowance recorded: Total Commercial and industrial $ 1,952 $ 4,938 $ 6,890 $ 8 $ 25 $ 33 Residential real estate: Residential 3,754 - 3,754 60 - 60 Construction - - - - - - Commercial real estate: Commercial 12,397 2,943 15,340 209 10 219 Construction 1,315 1,556 2,871 - 53 53 Home equities 1,565 109 1,674 23 1 24 Consumer and other - 3 3 - - - Total impaired loans $ 20,983 $ 9,549 $ 30,532 $ 300 $ 89 $ 389 As management identifies impaired loans that are collateral dependent, new appraisals are ordered to determine the fair value of the collateral. It should also be noted that when estimating the fair value of collateral for the purpose of performing an impairment test, management further reduces the appraised value of the collateral to account for estimated selling or carrying costs, age of the appraisal, if applicable, or any other perceived market or borrower-specific risks to the value of the collateral. The interest income in the preceding table was interest income recognized on accruing TDRs and interest paid prior to loans being identified as non-accrual. Cash basis income on impaired loans is the same as interest income recognized for all periods presented in the preceding table. The Bank had no loan commitments to borrowers in non-accrual status at December 31, 2022 and 2021. Troubled debt restructurings (“TDRs”) The following tables summarize the loans that were classified as troubled debt restructurings as of the dates indicated: December 31, 2022 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 814 $ 735 $ 79 $ - Residential real estate: Residential 875 530 345 - Construction - - - - Commercial real estate: Commercial and multi-family 2,803 - 2,803 - Construction - - - - Home equities 387 5 382 - Consumer and other - - - - Total TDR loans $ 4,879 $ 1,270 $ 3,609 $ - 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 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. The following tables show the data for TDR activity by type of concession granted to the borrower during 2022 and 2021: Year ended December 31, 2022 Year ended December 31, 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 - - - - - - Modifications made to loans in a troubled debt restructuring did not have a material impact on the Company’s net income for the years ended December 31, 2022 and 2021. All of the C&I and commercial real estate TDRs were already considered impaired and sufficiently reserved for prior to being identified as a TDR. 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 preceding twelve months and which subsequently defaulted during the twelve-month periods ended December 31, 2022 and 2021 were not material. Commitments to lend additional amounts on loans classified as TDRs were not material as of December 31, 2022 and 2021.

Properties And Equipment

Properties And Equipment	12 Months Ended
	Dec. 31, 2022
Properties And Equipment [Abstract]
Properties And Equipment	5. PROPERTIES AND EQUIPMENT Properties and equipment at December 31 were as follows: 2022 2021 (in thousands) Land $ 845 $ 845 Buildings and improvements 18,815 18,563 Furniture, fixtures, and equipment 8,935 8,664 28,595 28,072 Less accumulated depreciation ( 11,596 ) ( 10,283 ) Properties and equipment, net $ 16,999 $ 17,789 Depreciation expense totaled $ 1.7 million in 2022, $ 1.8 million in 2021, and $ 1.6 million in 2020.

Leases

Leases	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Leases	6. LEASES The Company’s leases, consisting of property leases for certain of our bank branches and insurance agency offices, are classified as operating leases. Operating lease Right of Use (“ROU”) assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. ROU assets were $ 4.4 million and $ 4.8 million as of December 31, 2022 and 2021, respectively. Lease liabilities were $ 4.7 million and $ 5.2 million as of December 31, 2022 and 2021, respectively. As these leases do not provide an implicit rate, we use our incremental borrowing rate in determining the present value of lease payments. Our lease terms include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Leases with an initial term of 12 months or less are not recorded on the balance sheet. Lease expense is recognized on a straight-line basis over the lease term. Operating lease expenses were $ 1.1 million during the years ended December 31, 2022 and 2021, respectively, and are included in occupancy expense on the consolidated statement of income. Cash paid for amounts included in the measurement of lease liabilities were $ 1.0 million and $ 1.1 million during the years ended December 31, 2022 and 2021, respectively, and are included in cash flows from operating activities on the consolidated statement of cash flows. The weighted average discount rate related to the Company’s leases was 3.0 % as of December 31, 2022 and 2.8 % as of December 31, 2021. The weighted average remaining lease term related to the Company’s leases was 6.7 years and 7.4 years as of December 31, 2022 and 2021, respectively. Future minimum lease payments under non-cancellable leases as of December 31, 2022 were as follows: Year Ending December 31, (in thousands) 2023 $ 1,055 2024 919 2025 744 2026 672 2027 419 Thereafter 1,374 Total future minimum lease payments 5,183 Less imputed interest 460 Total $ 4,723 ROU assets obtained in exchange for lease obligations were $ 0.5 million during the years ended December 31, 2022 and 2021.

Goodwill And Intangible Assets

Goodwill And Intangible Assets	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets [Abstract]
Goodwill And Intangible Assets	7. GOODWILL AND INTANGIBLE ASSETS Assets and liabilities acquired in a business combination are recorded at their estimated fair values as of the acquisition date. The excess of the purchase price of the acquisition over the fair value of net assets acquired is recorded as goodwill. The Company had $ 12.7 million in goodwill at December 31, 2022 and 2021, including $ 10.9 million in the insurance agency activities segment and $ 1.8 million in the banking activities segment. There were no additions to goodwill during 2022 or 2021. Goodwill is evaluated for impairment on an annual basis, or whenever events or changes in circumstances indicate that the fair value of a reporting unit may be below its carrying value. The Company measures the fair value of the banking and insurance agency reporting units annually, as of December 31. There was no impairment of goodwill recognized during 2022. An $ 11 thousand impairment of goodwill was recognized in 2021 related to the discontinued operations of a business within the insurance agency reporting unit. There were no additions to intangible assets during 2022 or 2021. The gross carrying amount and accumulated amortization of other intangible assets at December 31, 2022 and December 31, 2021 were as follows: 2022 2021 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (in thousands) (in thousands) Amortized intangible asset: Other insurance intangibles $ 3,325 ( 2,210 ) $ 3,325 ( 1,828 ) Core deposit intangibles 166 ( 54 ) 166 ( 36 ) Total $ 3,491 ( 2,264 ) $ 3,491 ( 1,864 ) Total intangible assets have an estimated weighted average remaining life of 4.1 years. Core deposit intangibles have an estimated weighted average remaining life of 7.3 years. Other insurance intangibles have an estimated weighted average remaining life of 3.8 years. Amortization expense related to intangibles for the years ended December 31, 2022, 2021, and 2020 was $ 0.4 million, $ 0.5 million, and $ 0.5 million, respectively. During 2021, the Company recorded less than $ 0.1 million of impairment related to an other insurance intangible asset that was determined to be valueless. There was no impairment of intangible assets recognized during 2022. Estimated amortization expense for each of the five succeeding fiscal years is as follows: Year Ending December 31 Amount (in thousands) 2023 $ 389 2024 378 2025 218 2026 60 2027 60 Thereafter 122 $ 1,227

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	8. DEPOSITS Time deposits of $250 thousand and over, excluding brokered deposits, totaled $ 40.7 million and $ 25.3 million at December 31, 2022 and 2021, respectively. Brokered time deposits totaled $ 6.5 million and $ 8.7 million at December 31, 2022 and 2021, respectively. At December 31, 2022, the scheduled maturities of all time deposits were as follows: (in thousands) 2023 $ 164,447 2024 23,750 2025 9,332 2026 2,831 2027 2,307 $ 202,667

Borrowed Funds And Subordinated

Borrowed Funds And Subordinated Debt	12 Months Ended
	Dec. 31, 2022
Borrowed Funds And Subordinated Debt [Abstract]
Borrowed Funds And Subordinated Debt	9. BORROWED FUNDS AND SUBORDINATED DEBT Other borrowings at December 31, 2022 consisted of various FHLB advances with fixed interest rate terms ranging from 1.66 % to 3.34 % and a FHLB overnight line of credit advance of $ 173 million. The maturities and weighted average rates of other borrowed funds, excluding purchased discounts of $ 0.3 million, at December 31, 2022 are as follows: Maturities Weighted Average Rate (in thousands) 2023 $ 186,443 4.47 % 2024 6,304 3.08 % Total $ 192,747 4.42 % The Bank has the ability to borrow additional funds from the FHLB based on the securities or real estate loans that can be used as collateral and to purchase additional federal funds through one of the Bank’s correspondent banks. Given the current collateral available, additional advances of up to $ 320 million can be drawn on the FHLB via the Bank’s Overnight Line of Credit Agreement. The Bank also has the ability to purchase up to $ 18 million in federal funds from its correspondent banks. There were $ 495 million and $ 619 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of December 31, 2022 and 2021, respectively. As a member of the Federal Home Loan Bank System, the Bank is required to hold stock in FHLBNY. The Bank held FHLBNY stock with a carrying value of $ 10.4 million and $ 3.0 million as of December 31, 2022 and December 31, 2021, respectively. The amounts and interest rates of other borrowed funds, excluding purchased discounts of $ 0.3 million, $ 0.7 million and $ 1.4 million at December 31, 2022, 2021 and 2020, respectively, were as follows: FHLB Overnight Line of Credit FHLB Advances FRB Borrowings Total Other Borrowings (in thousands) At December 31, 2022 Amount outstanding $ 173,200 $ 19,547 $ - $ 192,747 Weighted-average interest rate 4.61 % 2.77 % - % 4.42 % For the year ended December 31, 2022 Highest amount at a month end $ 173,200 $ 31,756 $ - Daily average amount outstanding $ 24,519 $ 23,721 $ - $ 48,240 Weighted-average interest rate 3.96 % 2.72 % - % 3.35 % At December 31, 2021 Amount outstanding $ - $ 32,145 $ - $ 32,145 Weighted-average interest rate - % 2.64 % - % 2.64 % For the year ended December 31, 2021 Highest amount at a month end $ - $ 42,434 $ - Daily average amount outstanding $ - $ 38,378 $ 24 $ 38,403 Weighted-average interest rate - % 2.55 % 0.35 % 2.55 % At December 31, 2020 Amount outstanding $ - $ 42,600 $ 693 $ 43,293 Weighted-average interest rate - % 2.51 % 0.35 % 2.47 % For the year ended December 31, 2020 Highest amount at a month end $ - $ 50,597 $ 693 Daily average amount outstanding $ - $ 35,625 $ 451 $ 35,625 Weighted-average interest rate - % 2.35 % 0.35 % 2.33 % Subordinated debt comprised $ 20.0 million of subordinated notes and $ 11.3 million of trust preferred capital securities at December 31, 2022 and 2021. On July 9, 2020, the Company issued $ 20.0 million of fixed to floating rate subordinated notes. The subordinated notes have an initial fixed interest rate of 6.00 % to, but excluding, July 15, 2025, payable semi-annually in arrears. From and including July 15, 2025 to but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an interest rate per annum initially equal to the then-current three-month Secured Overnight Financing Rate provided by the Federal Reserve Bank of New York plus 590 basis points, payable quarterly in arrears. The subordinated notes mature on July 15, 2030 . The Company is entitled to redeem the notes, in whole or in part, at any time on or after July 15, 2025, and to redeem the subordinated notes at any time in whole upon certain other events. On October 1, 2004 , Evans Capital Trust I, a statutory business trust wholly-owned by the Company (the “Trust”), issued $ 11.0 million in aggregate principal amount of floating rate preferred capital securities due November 23, 2034 to various investors (the “Capital Securities”) and $ 0.3 million of common securities to the Company (the “Common Securities”). The Capital Securities represent preferred undivided interests in the assets of the Trust. The Common Securities represent the initial capital contribution of the Company to the Trust, which have not been consolidated and are included in “Other Assets” on the Company’s consolidated balance sheet. Under the Federal Reserve Board’s current risk-based capital guidelines, the Capital Securities are includable in the Company’s Tier 1 (Core) capital. The Common Securities are wholly-owned by the Company and are the only class of the Trust’s securities possessing general voting powers. The Capital Securities have a distribution rate of three-month LIBOR plus 2.65 %, and the distribution dates are February 23, May 23, August 23, and November 23. The distribution rate was 7.42 % at December 31, 2022. The proceeds from the issuances of the Capital Securities and Common Securities were used by the Trust to purchase $ 11.3 million in aggregate liquidation amount of floating rate junior subordinated deferrable interest debentures (“Junior Subordinated Debentures”) of the Company, due October 1, 2037 . The Junior Subordinated Debentures represent the sole assets of the Trust, and payments under the Junior Subordinated Debentures are the sole source of cash flow for the Trust. The interest rate payable on the Junior Subordinated Debentures was 7.42 % at December 31, 2022. Holders of the Capital Securities receive preferential cumulative cash distributions on each distribution date at the stated distribution rate, unless the Company exercises its right to extend the payment of interest on the Junior Subordinated Debentures for up to twenty quarterly periods, in which case payment of distributions on the respective Capital Securities will be deferred for comparable periods. During an extended interest period, in accordance with terms as defined in the indenture relating to the Capital Securities, the Company may not pay dividends or distributions on, or repurchase, redeem, or acquire any shares of its capital stock. The agreements governing the Capital Securities, in the aggregate, provide a full, irrevocable, and unconditional guarantee by the Company of the payment of distributions on, the redemption of, and any liquidation distribution with respect to the Capital Securities. The obligations under such guarantee and the Capital Securities are subordinate and junior in right of payment to all senior indebtedness of the Company. The Capital Securities will remain outstanding until the Junior Subordinated Debentures are repaid at maturity, are redeemed prior to maturity, or are distributed in liquidation to the Trust. The Capital Securities are mandatorily redeemable in whole, but not in part, upon repayment at the stated maturity dates of the Junior Subordinated Debentures or the earlier redemption of the Junior Subordinated Debentures in whole upon the occurrence of one or more events (“Events”) set forth in the indentures relating to the Capital Securities, and in whole or in part at any time contemporaneously with the optional redemption of the related Junior Subordinated Debentures in whole or in part. The Junior Subordinated Debentures are redeemable prior to their stated maturity dates at the Company’s option: (i) on or after the stated optional redemption dates, in whole at any time, or in part from time to time; or (ii) in whole, but not in part, at any time within 90 days following the occurrence and during the continuation of one or more of the Events, in each case subject to possible regulatory approval. The redemption price of the Capital Securities and the related Junior Subordinated Debentures upon early redemption would be at the liquidation amount plus accumulated but unpaid distributions.

Securities Sold Under Agreement

Securities Sold Under Agreements To Repurchase	12 Months Ended
	Dec. 31, 2022
Securities Sold Under Agreements To Repurchase [Abstract]
Securities Sold Under Agreements To Repurchase	10. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Bank enters into agreements with customers to sell securities owned by the Bank to the customers and repurchase the identical security, within one business day. No physical movement of the securities is involved. The Bank had $ 7.1 million and $ 4.1 million in securities sold under agreement to repurchase at December 31, 2022 and December 31, 2021, respectively.

Comprehensive Income (Loss)

Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2022
Comprehensive Income (Loss) [Abstract]
Comprehensive Income (Loss)	11. COMPREHENSIVE INCOME (LOSS) The following tables display the components of other comprehensive income (loss), net of tax: Balance at December 31, 2021 Net Change Balance at December 31, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 44,188 ) $ ( 47,348 ) Net defined benefit pension plan adjustments ( 2,511 ) 581 ( 1,930 ) Total $ ( 5,671 ) $ ( 43,607 ) $ ( 49,278 ) Balance at December 31, 2020 Net Change Balance at December 31, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 2,397 $ ( 5,557 ) $ ( 3,160 ) Net defined benefit pension plan adjustments ( 3,116 ) 605 ( 2,511 ) Total $ ( 719 ) $ ( 4,952 ) $ ( 5,671 ) Balance at December 31, 2019 Net Change Balance at December 31, 2020 (in thousands) Net unrealized gain on investment securities $ 522 $ 1,875 $ 2,397 Net defined benefit pension plan adjustments ( 3,105 ) ( 11 ) ( 3,116 ) Total $ ( 2,583 ) $ 1,864 $ ( 719 ) 2022 Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: (in thousands) Unrealized loss on investment securities $ ( 59,621 ) $ 15,433 $ ( 44,188 ) Defined benefit pension plans adjustments: Net actuarial gain (loss) $ 481 $ ( 122 ) $ 359 Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost 31 ( 9 ) 22 Amortization of actuarial loss 274 ( 74 ) 200 Net change 786 ( 205 ) 581 Other Comprehensive Income (Loss) $ ( 58,835 ) $ 15,228 $ ( 43,607 ) 2021 Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: (in thousands) Unrealized loss on investment securities $ ( 7,508 ) $ 1,951 $ ( 5,557 ) Defined benefit pension plans adjustments: Net actuarial gain (loss) $ 404 $ ( 102 ) $ 302 Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost 31 ( 8 ) 23 Amortization of actuarial loss 383 ( 103 ) 280 Net change 818 ( 213 ) 605 Other Comprehensive Income (Loss) $ ( 6,690 ) $ 1,738 $ ( 4,952 ) 2020 Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized gain on investment securities: (in thousands) Unrealized gain on investment securities $ 3,201 $ ( 832 ) $ 2,369 Reclassification from accumulated other comprehensive income for losses ( 667 ) 173 ( 494 ) Net change 2,534 ( 659 ) 1,875 Defined benefit pension plans adjustments: Net actuarial (loss) gain $ ( 492 ) $ 128 $ ( 364 ) Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost 31 ( 8 ) 23 Amortization of actuarial loss 446 ( 116 ) 330 Net change ( 15 ) 4 ( 11 ) Other Comprehensive Income (Loss) $ 2,519 $ ( 655 ) $ 1,864

Employee Benefits And Deferred

Employee Benefits And Deferred Compensation Plans	12 Months Ended
	Dec. 31, 2022
Employee Benefits And Deferred Compensation Plans [Abstract]
Employee Benefits And Deferred Compensation Plans	12. EMPLOYEE BENEFITS AND DEFERRED COMPENSATION PLANS Employees’ Pension Plan The Bank has a defined benefit pension plan that covered substantially all employees of the Company and its subsidiaries (the “Pension Plan”). The Pension Plan provides benefits that are based on the employees’ compensation and years of service. The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual experience and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the prior service cost and net gains or losses over the average remaining service period of active employees which exceeds the required amortization. The Pension Plan was frozen effective January 31, 2008. Under the freeze, eligible employees will receive the benefits already earned through January 31, 2008 at retirement, but will not be able to accrue any additional benefits. As a result, service cost will no longer be incurred. Selected Financial Information for the Pension Plan is as follows: 2022 2021 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 6,551 $ 6,837 Service cost - - Interest cost 179 165 Assumption change ( 1,613 ) ( 297 ) Actuarial loss 49 85 Benefits paid ( 254 ) ( 239 ) Benefit obligation at the end of the year 4,912 6,551 Change in plan assets: Fair value of plan assets at the beginning of year 6,536 6,583 Actual return on plan assets ( 1,284 ) 192 Employer contributions - - Benefits paid ( 254 ) ( 239 ) Fair value of plan assets at the end of year 4,998 6,536 Funded status $ 86 $ ( 15 ) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ 86 $ ( 15 ) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 2,229 $ 2,254 Prior service cost - - Net amount recognized in equity - pre-tax $ 2,229 $ 2,254 Accumulated benefit obligation at year end $ 4,912 $ 6,551 Assumptions used by the Bank in the determination of Pension Plan information consisted of the following: 2022 2021 2020 Discount rate for projected benefit obligation 5.22 % 2.77 % 2.42 % Discount rate for net periodic pension cost 2.77 % 2.42 % 3.20 % Rate of increase in compensation levels - % - % - % Expected long-term rate of return of plan assets 5.50 % 5.50 % 5.50 % The components of net periodic benefit cost consisted of the following: 2022 2021 2020 (in thousands) Service cost $ - $ - $ - Interest cost 179 165 200 Expected return on plan assets ( 353 ) ( 356 ) ( 325 ) Net amortization and deferral 97 100 96 Net periodic benefit cost $ ( 77 ) $ ( 91 ) $ ( 29 ) 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. The Company did not contribute to the Pension Plan in 2022 and expects that it will no t contribute to the Pension Plan in 2023. The expected long-term rate of return on Pension Plan assets assumption was determined based on historical returns earned by equity and fixed income securities, adjusted to reflect future return expectations based on plan targeted asset allocation. Equity and fixed income securities were assumed to earn returns in the ranges of 4.5 % to 11 % and 4 % to 5 %, respectively. When these overall return expectations are applied to the Pension Plan’s targeted allocation, the expected rate of return was determined to be 5.50 %, which is within the range of expected return. The Company’s management will continue to evaluate its actuarial assumptions, including the expected rate of return, at least annually, and will adjust as necessary. The weighted average asset allocation of the Pension Plan at December 31, 2022 and 2021, the Pension Plan measurement date, was as follows: Asset Category: 2022 2021 Equity mutual funds 35.29 % 33.81 % Fixed income mutual funds 63.70 % 63.40 % Cash/Short-term investments 1.01 % 2.79 % 100.00 % 100.00 % The portfolio is invested in accordance with sound investment practices. Consistent with this approach, the investment strategy is to diversify the portfolio in order to reduce risk and to maintain sufficient liquidity to meet the obligations of the Plan. The Plan’s long-term asset allocation under normal market conditions is 34 % equity investment and 66 % fixed income assets and other short term investments and cash equivalents. The investment objective of the allocation in equity investments emphasizes long term capital appreciation. These equity investments are diversified across market capitalization, industries, style and geographical location. The investment objective of the fixed income allocation is to generally provide a diversified source of income with an awareness of capital preservation. The primary objective of the investment philosophy is capital preservation. The major categories of assets in the Bank’s Pension Plan as of year-end are presented in the following table. Assets are segregated according to their investment objective by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value (see Note 20 – Fair Value of Financial Instruments). 2022 2021 (in thousands) Level 1: Cash $ - $ 22 Mutual funds: Short-term investments: Money market 50 160 Fixed Income: 3,314 4,144 Equities: Small cap 255 - Mid-Cap 151 - Large cap 794 920 International large cap 434 1,290 $ 4,998 $ 6,536 The mutual funds are actively traded with market quotes available on at least a daily basis. Therefore, they are Level 1 assets. The discount rate utilized by the Company for determining future pension obligations is based on a review of long-term bonds that receive one of the two highest ratings given by a recognized rating agency. The discount rate determined on this basis increased from 2.77 % at December 31, 2021 to 5.22 % at December 31, 2022 for the Company's Pension Plan. Expected benefit payments under the Pension Plan over the next ten years at December 31, 2022 are as follows: (in thousands) 2023 $ 302 2024 336 2025 337 2026 342 2027 337 Year 2028 - 2032 1,728 Supplemental Executive Retirement Plans The Bank also maintains a non-qualified supplemental executive retirement plan (the “SERP”) covering certain members of the Company’s senior management. The SERP was amended during 2003 to provide a benefit based on a percentage of final average earnings, as opposed to the fixed benefit that was provided for in the superseded plan. On April 8, 2010, the Compensation Committee of the Board of Directors of the Company approved the adoption of the Evans Bank, N.A. Supplemental Executive Retirement Plan for Senior Executives (“the Senior Executive SERP”). The “old” SERP plan will keep its participants at the time of the creation of the Senior Executive SERP, but any future executives identified by the Board of Directors as eligible for SERP benefits will participate in the Senior Executive SERP. A participant is generally entitled to receive a benefit under the Senior Executive SERP upon a termination of employment, other than for “cause”, after the participant has completed 10 full calendar years of service with the Bank. No benefit is payable under the Senior Executive SERP if the participant’s employment is terminated for “cause” or if the participant voluntarily terminates before completing 10 full calendar years of service with the Bank. In addition, the payment of benefits under the Senior Executive SERP is conditioned upon certain agreements of the participant related to confidentiality, cooperation, non-competition, and non-solicitation. A participant will be entitled to a retirement benefit under the Senior Executive SERP if his or her employment with the Bank terminates other than for “cause”. The “accrued benefit” is based on a percentage of the participant’s final average earnings, which is determined based upon the participant’s total annual compensation over the highest consecutive five calendar years of the participant’s employment with the Bank, accrued over the participant’s “required benefit service”. The percentages and years of service requirements are set forth in each participant’s Participation Agreement, and range from 25 % to 35 % and from 15 to 20 years. The obligations related to the two SERP plans are indirectly funded by various life insurance contracts naming the Bank as beneficiary. The Bank has also indirectly funded the SERPs, as well as other benefits provided to other employees, through bank-owned life insurance. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual experience and assumptions being different than those that are projected. The amortization method the Bank is using recognizes the net gains or losses over the average remaining service period of active employees, which exceeds the required amortization. Selected financial information for the two SERP plans is as follows: 2022 2021 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 5,754 $ 6,148 Service cost 131 148 Interest cost 124 100 Actuarial gain ( 553 ) ( 357 ) Benefits paid ( 408 ) ( 285 ) Benefit obligation at the end of the year 5,048 5,754 Change in plan assets: Fair value of plan assets at the beginning of year - - Actual return on plan assets - - Employer contributions 408 285 Benefits paid ( 408 ) ( 285 ) Fair value of plan assets at the end of year - - Funded status $ ( 5,048 ) $ ( 5,754 ) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ ( 5,048 ) $ ( 5,754 ) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 376 $ 1,106 Prior service cost - 31 Net amount recognized in equity - pre-tax $ 376 $ 1,137 Accumulated benefit obligation at year end $ 4,922 $ 5,591 Assumptions used by the Bank in the determination of SERP information consisted of the following: 2022 2021 2020 Discount rate for projected benefit obligation 5.10 % 2.23 % 1.66 % Discount rate for net periodic pension cost 2.23 % 1.66 % 2.72 % Salary scale 3.00 % 3.00 % 3.00 % The discount rate utilized by the Company for determining future pension obligations is based on a review of long-term bonds that receive one of the two highest ratings given by a recognized rating agency. The discount rate determined on this basis increased from 2.23 % at December 31, 2021 to 5.10 % at December 31, 2022 (i.e. the measurement date) for the SERP. The components of net periodic benefit cost consisted of the following: 2022 2021 2020 (in thousands) Service cost $ 131 $ 148 $ 155 Interest cost 124 100 151 Net amortization and deferral 209 314 381 Net periodic benefit cost $ 464 $ 562 $ 687 Expected benefit payments under the SERP over the next ten years at December 31, 2022 are as follows: (in thousands) 2023 $ 285 2024 3,009 2025 285 2026 285 2027 285 Year 2028 - 2032 1,026 Other Compensation Plans The Company has a non-qualified deferred compensation plan whereby directors and certain officers may defer a portion of their base pre-tax compensation. Additionally, the Company has a non-qualified executive incentive retirement plan, whereby the Company defers on behalf of certain officers a portion of their base compensation until retirement or termination of service, subject to certain vesting arrangements. Aggregate expense under these plans was approximately $ 0.2 million in 2022 and 2021, and $ 0.1 million in 2020. The benefit obligation, included in other liabilities in the Company’s consolidated balance sheets, was $ 1.9 million at December 31, 2022 and 2021 respectively. These benefit plans are indirectly funded by bank-owned life insurance contracts with a total aggregate cash surrender value of approximately $ 41.8 million and $ 34.3 million at December 31, 2022 and 2021, respectively. Increases in cash surrender value are included in other non-interest income on the Company’s Consolidated Statements of Income. Endorsement split-dollar life insurance benefits have also been provided to directors and certain officers of the Bank and its subsidiaries during employment. The Company acquired a deferred compensation plan from FSB during 2020 which requires the Company to make scheduled payments to the participants. At December 31, 2022, this plan consisted of one participant that receives $ 5 thousand monthly payments through June 2033. The benefit obligation, included in other liabilities in the Company’s consolidated balance sheets, was $ 0.7 million at December 31, 2022. The Company also has a defined contribution retirement and thrift 401(k) Plan (the “401(k) Plan”) for its employees who meet certain length of service and age requirements. The provisions of the 401(k) Plan allow eligible employees to contribute a portion of their annual salary, up to the IRS statutory limit. The 401(k) plan includes a Qualified Automatic Contribution Arrangement (“QACA”). This arrangement features automatic deferred contributions with annual escalation, a QACA matching contribution, and an additional matching contribution. Employees vest in employer contributions over six years . The Company’s expense under the 401(k) Plan was approximately $ 1.4 million in both 2022 and 2021, and $ 1.2 million in 2020.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2022
Stock-Based Compensation [Abstract]
Stock-Based Compensation	13. STOCK-BASED COMPENSATION At December 31, 2022, the Company had two stock-based compensation plans, which are described below. The compensation cost charged against income for those plans was $ 0.9 million in 2022, $ 0.7 million in 2021, and $ 0.6 million in 2020, and is included in “Salaries and Employee Benefits” in the Company’s Consolidated Statements of Income. All stock option and restricted stock expense is recorded on a straight-line basis over the requisite service period. In addition, expenses for director stock-based compensation were recognized to reflect $ 0.2 million in 2022, $ 0.2 million in 2021, and $ 0.3 million in 2020, as part of “Other” expense in the Company’s Consolidated Statements of Income. 2019 Long-Term Equity Incentive Plan Under the Company’s 2019 Long-Term Equity Incentive Plan (the “2019 Plan”) and, prior to the adoption of the 2019 Plan by shareholders in April 2019, under the Company’s 2009 Long-Term Incentive Plan (the “2009 Plan” and together with the 2019 Plan, the “Equity Plans”), the Company has granted options or restricted stock to officers, directors and key employees of the Company and its subsidiaries. Under the Equity Plans, the Company was authorized to issue up to 603,883 shares of common stock. Under the Equity Plans, the exercise price of each option is not to be less than 100 % of the market price of the Company’s stock on the date of grant and an option’s maximum term is ten years . If available, the Company normally issues shares out of its treasury for any options exercised or restricted shares issued. The options have vesting schedules from 12 months through 5 years. At December 31, 2022, there were a total of 194,752 shares available for grant under the 2019 Plan. The Company may no longer make grants under the 2009 Plan. The fair value of 2021 and 2020 option grant is estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted-average assumptions. There were no options granted during 2022: 2022 2021 2020 Dividend Yield - % 3.07 % 4.55 % Expected Life (years) - 7.18 7.09 Expected Volatility - % 27.54 % 26.64 % Risk-free Interest Rate - % 1.51 % 0.63 % Weighted Average Fair Value $ - $ 7.80 $ 3.41 The Company used historical volatility calculated using daily closing prices for its common stock over periods that match the expected term of the option granted to estimate the expected volatility. The risk-free interest rate assumption was based upon U.S. Treasury yields appropriate for the expected term of the Company's stock options based upon the date of grant. The expected dividend yield was based upon the Company's recent history of paying dividends. The expected life was based upon the options’ expected vesting schedule and historical exercise patterns. Stock options activity for 2022 was as follows: Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in thousands) Balance, December 31, 2021 232,643 $ 29.77 Granted - - Exercised ( 34,764 ) 20.64 Expired ( 3,279 ) 39.71 Forfeited ( 956 ) 36.12 Balance, December 31, 2022 193,644 $ 31.21 4.97 $ 1,421 Exercisable, December 31, 2022 151,220 $ 31.13 4.15 $ 1,150 Future compensation cost expected to be expensed over the weighted average remaining contractual term for remaining outstanding options is $ 0.1 million. The unrecognized compensation cost is scheduled to be recognized as follows: (in thousands) 2023 $ 48 2024 40 2025 35 Restricted stock award, unit, and performance unit activity for 2022 was as follows: Shares Weighted Average Grant Date Fair Value Balance, December 31, 2021 40,974 $ 32.79 Granted 33,017 39.21 Vested ( 20,978 ) 33.00 Forfeited ( 2,469 ) 38.49 Balance, December 31, 2022 50,544 $ 36.62 As of December 31, 2022, there was $ 1.3 million in unrecognized compensation cost related to restricted share-based compensation arrangements granted under the Equity Plans. The unrecognized compensation cost is scheduled to be recognized as follows: (in thousands) 2023 $ 655 2024 391 2025 235 During fiscal years 2022, 2021, and 2020, the following activity occurred under the Company’s plans: 2022 2021 2020 (in thousands) Total intrinsic value of stock options exercised $ 621 $ 488 $ 206 Total fair value of restricted stock awards vested $ 828 $ 701 $ 577 Employee Stock Purchase Plan The Company also maintains the Evans Bancorp, Inc. Employee Stock Purchase Plan (the “Purchase Plan”). As of December 31, 2022, there were 48,081 shares of common stock available to issue to full-time employees of the Company and its subsidiaries, nearly all of whom are eligible to participate. Under the terms of the Purchase Plan, employees can choose each year to have up to 15 % of their annual base earnings withheld to purchase the Company’s common stock. Employees can purchase stock only on June 30 and December 31 each year during the term of the Purchase Plan for 85 % of the price on the purchase date. Under the Purchase Plan, the Company issued 12,730 , 12,166 , and 19,434 shares to employees in 2022, 2021, and 2020, respectively. Compensation cost is calculated by the value of the 15% discount only. The compensation cost that was charged against income for the Purchase Plan was less than $ 0.1 million in 2022, 2021, and 2020.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	14. INCOME TAXES The components of the provision for income taxes were as follows: 2022 2021 2020 (in thousands) Current federal tax expense $ 5,472 $ 4,951 $ 2,283 Current state tax expense 1,440 1,412 1,131 Total current tax expense 6,912 6,363 3,414 Deferred federal tax expense (benefit) $ 153 $ 1,165 $ ( 1,356 ) Deferred state tax expense (benefit) 98 355 ( 496 ) Total deferred tax expense (benefit) 251 1,520 ( 1,852 ) Total income tax provision $ 7,163 $ 7,883 $ 1,562 The Company’s provision for income taxes differs from the amounts computed by applying the federal income tax statutory rates to income before income taxes. A reconciliation of the differences is as follows: 2022 2021 2020 Amount Percent Amount Percent Amount Percent (in thousands) Tax provision at statutory rate $ 6,206 21 % $ 6,704 21 % $ 2,690 21 % Change in taxes resulting from: Tax-exempt income ( 224 ) ( 1 ) ( 230 ) - ( 203 ) ( 2 ) Historic tax credit - - ( 24 ) - ( 1,643 ) ( 13 ) State taxes, net of federal benefit 1,215 4 1,396 4 502 4 Other items, net ( 34 ) - 37 - 216 2 Income tax provision $ 7,163 24 % $ 7,883 25 % $ 1,562 12 % In 2020, the Company recognized significant impact from its investments in partnerships that incurred expenses related to the rehabilitation of certified historic structures located in New York State after the historic structures were placed in service. At the time a historic structure is placed in service, the Bank is eligible for a federal and New York State tax credit. For New York State, any new credit earned from rehabilitated historic properties placed in service on or after January 1, 2015 not used in the current tax year will be treated as a refund or overpayment of tax to be credited to the next year’s tax. Since the realization of the tax credit does not depend on the Bank’s generation of future taxable income or the Bank’s ongoing tax status or tax position, the refund is not considered an element of income tax accounting. In such cases, the Bank would not record the credit as a reduction of income tax expense; rather, the Bank includes the refundable New York State tax credit in non-interest income with a corresponding receivable recorded in other assets. There were no significant historic tax credit transactions during 2022 and 2021. The following table presents the impact on the results of operations from the Bank’s historic tax credit activity for the years ended December 31, 2022, 2021 and 2020. 2022 2021 2020 Loss on tax credit investment $ - $ ( 30 ) $ ( 2,475 ) Refundable state historic tax credit - 21 1,857 Income tax benefit - 24 1,643 Total HTC income $ - $ 15 $ 1,025 At December 31, 2022 and 2021 the components of the net deferred tax asset were as follows: 2022 2021 (in thousands) Deferred tax assets: Pension and SERP plans $ 1,456 $ 1,687 Allowance for loan and lease losses 4,987 4,744 Deferred compensation 526 576 Loss on investment in tax credit 59 135 Stock options granted 277 193 State tax credit carryforward 185 185 Lease liabilities 1,223 1,353 State net operating loss 368 387 Net unrealized losses on securities 16,543 1,109 Fair value adjustments of business combinations 470 623 Other 33 29 Gross deferred tax assets $ 26,127 $ 11,021 Deferred tax liabilities: Depreciation and amortization $ 1,154 $ 1,187 Right of use assets 1,137 1,254 Prepaid expenses 382 308 Deferred loan fees and costs 279 161 Mortgage servicing asset 295 238 Other 30 - Gross deferred tax liabilities $ 3,277 $ 3,148 Net deferred tax asset $ 22,850 $ 7,873 The net deferred tax asset at December 31, 2022 and 2021 is included in “other assets” in the Company’s consolidated balance sheets. In assessing the ability of the Company to realize the benefit of the deferred tax assets, management considers whether it is more-likely-than-not that some portion or all of the deferred tax assets will not be realized, including assessing all positive and negative evidence and the weight of such evidence. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, availability of operating loss carrybacks, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income, the opportunity for net operating loss carrybacks, and projections for future taxable income over the periods which deferred tax assets are deductible, management believes it is more likely than not that the Company will generate sufficient taxable income to realize the benefits of these deductible differences at December 31, 2022. The state tax credit carryforward has an indefinite life with no expiration date in which to utilize the credit. The Company did no t have any unrecognized tax benefits for the years ended December 31, 2022, 2021, and 2020. Accrued penalties and interest were immaterial at December 31, 2022 and 2021. The Company is subject to routine audits of its tax returns by the Internal Revenue Service (“IRS”) and various state taxing authorities. The tax years 2019 - 2021 remain subject to examination by the IRS.

Revenue Recognition Of Non-Inte

Revenue Recognition Of Non-Interest Income	12 Months Ended
	Dec. 31, 2022
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition Of Non-Interest Income	15. 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 (“EB”) solutions to commercial customers.  TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.   TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.  TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.   Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.  The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.  Insurance claims services revenue is recorded at Frontier Claims Services, Inc. (“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 at December 31, 2022, 2021, and 2020: 2022 2021 2020 (in thousands) Commercial property and casualty insurance commissions $ 4,308 $ 3,993 $ 4,023 Personal property and casualty insurance commissions 3,363 3,288 3,388 Employee benefits sales commissions 851 902 1,173 Profit sharing and contingent revenue 1,164 1,198 1,077 Wealth management and other financial services 632 638 516 Insurance claims services revenue - 285 292 Other insurance-related revenue 135 153 141 Total insurance service and other fees $ 10,453 $ 10,457 $ 10,610 Service charges on deposit accounts The Company earns fees from its deposit customers for transaction-based, account maintenance and overdraft. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Similarly, overdraft fees are recognized at the point in time that the overdraft occurs as this corresponds with the Company's performance obligation. Service charges on deposit accounts are withdrawn from the customer's account balance. Interchange fee income The Company earns interchange fees from cardholder transactions conducted through the Mastercard payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized concurrent with the transaction processing services provided to the cardholder. Interchange income is presented on the Consolidated Statements of Income net of expenses.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2022
Related Party Transactions [Abstract]
Related Party Transactions	16. RELATED PARTY TRANSACTIONS The Bank has entered into loan transactions with certain directors, executive officers, significant shareholders and their affiliates (related parties) in the ordinary course of its business. The aggregate outstanding principal balance of loans to such related parties on December 31, 2022 and 2021 was $ 0.9 million and $ 1.7 million, respectively. During 2022, there were $ 7.3 million of advances and new loans to such related parties, and repayments amounted to $ 8.1 million. Deposits from related parties were $ 4.3 million and $ 2.6 million as of December 31, 2022 and 2021, respectively.

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	12 Months Ended
	Dec. 31, 2022
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	17. CONTINGENT LIABILITIES AND COMMITMENTS The Company’s 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 are commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities at December 31, 2022 and 2021 is as follows: December 31, December 31, 2022 2021 (in thousands) Commitments to extend credit $ 376,167 $ 394,953 Standby letters of credit 3,673 4,636 Total $ 379,840 $ 399,589 Commitments to extend credit and standby letters of credit all include exposure to some credit loss in the event of non-performance of 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 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 to the Bank. The Bank has no t incurred any losses on its commitments during the past three years and has no t recorded a reserve for its commitments. The Company has entered into contracts with third parties, some of which include indemnification clauses. Examples of such contracts include contracts with third-party service providers, brokers and dealers, correspondent banks, and purchasers of residential mortgages. Additionally, the Company has bylaws, policies, and agreements under which it agrees to indemnify its officers and directors from liability for certain events or occurrences while the directors or officers are, or were, serving at the Company’s request in such capacities. The Company indemnifies its officers and directors to the fullest extent allowed by law. The maximum potential amount of future payments that the Company could be required to make under these indemnification provisions is unlimited, but would be affected by all relevant defenses to such claims, as well as directors’ and officers’ liability insurance maintained by the Company. Due to the nature of these indemnification provisions, it is not possible to quantify the aggregate exposure to the Company resulting from them. 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. The Company leases certain offices, land and equipment under long-term operating leases. The aggregate minimum annual rental commitments under these leases total approximately $ 1.1 million in 2023, $ 0.9 million 2024, $ 0.7 million 2025, $ 0.7 million in 2026, $ 0.4 million in 2027 and $ 1.4 million thereafter. The rental expense under operating leases contained in the Company’s Consolidated Statements of Income was $ 1.1 million in 2022, $ 1.1 million in 2021, and $ 1.0 million in 2020.

Concentrations Of Credit

Concentrations Of Credit	12 Months Ended
	Dec. 31, 2022
Concentrations Of Credit [Abstract]
Concentrations Of Credit	18. CONCENTRATIONS OF CREDIT All of the Bank’s loans, commitments, and standby letters of credit have been granted to customers in the Bank’s primary market areas of the Western New York and the Finger Lakes Region of New York State. Investments in state and municipal securities also involve governmental entities within the Bank’s primary market area. The concentrations of credit by type of loan are set forth in Note 4 to these Consolidated Financial Statements, "Loans and the Allowance for Loan Losses." The distribution of commitments to extend credit approximates the distribution of loans outstanding. Standby letters of credit were granted primarily to commercial borrowers. The Bank, as a matter of policy, does not extend credit to any single borrower or group in excess of 15 % of capital.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2022
Segment Information [Abstract]
Segment Information	19. SEGMENT INFORMATION The Company is comprised of two primary business segments: banking activities and insurance agency activities. The operating segments are separately managed and their performance is evaluated based on net income. The banking business segment includes both commercial and consumer banking services, including a wide array of lending and depository services as well as offering non-deposit investment products, such as annuities and mutual funds. The insurance agency segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, employee benefits, surety bonds, risk management, life, disability and long-term care coverage, as well as providing claims adjusting services to various insurance companies. All sources of segment specific revenues and expenses contributed to management’s definition of net income. Revenues from transactions between the two segments are not significant. The following tables set forth information regarding these segments for the years ended December 31, 2022, 2021, and 2020. 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 72,955 $ - $ 72,955 Provision for loan losses 2,739 - 2,739 Net interest income after provision for loan losses 70,216 - 70,216 Insurance service and fees 616 9,837 10,453 Other non-interest income 8,818 - 8,818 Amortization expense 19 381 400 Other non-interest expense 52,119 7,416 59,535 Income before income taxes 27,512 2,040 29,552 Income tax provision 6,636 527 7,163 Net income $ 20,876 $ 1,513 $ 22,389 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 72,785 $ - $ 72,785 Credit for loan losses ( 1,513 ) - ( 1,513 ) Net interest income after credit for loan losses 74,298 - 74,298 Insurance service and fees 580 9,877 10,457 Other non-interest income 8,136 254 8,390 Amortization expense 21 516 537 Other non-interest expense 52,843 7,839 60,682 Income before income taxes 30,150 1,776 31,926 Income tax provision 7,421 462 7,883 Net income $ 22,729 $ 1,314 $ 24,043 2020 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 59,793 $ ( 11 ) $ 59,782 Provision for loan losses 5,351 - 5,351 Net interest income (expense) after provision for loan losses 54,442 ( 11 ) 54,431 Insurance service and fees 488 10,122 10,610 Other non-interest income 7,623 4 7,627 Amortization expense 15 518 533 Other non-interest expense 51,322 8,005 59,327 Income before income taxes 11,216 1,592 12,808 Income tax provision 1,143 419 1,562 Net income $ 10,073 $ 1,173 $ 11,246 December 31, December 31, 2022 2021 (in thousands) Identifiable Assets, Net Banking activities $ 2,160,545 $ 2,192,348 Insurance agency activities 17,965 18,292 Consolidated Total Assets $ 2,178,510 $ 2,210,640

Fair Value Of Assets And Liabil

Fair Value Of Assets And Liabilities	12 Months Ended
	Dec. 31, 2022
Fair Value Of Assets And Liabilities [Abstract]
Fair Value Of Assets And Liabilities	20. FAIR VALUE OF ASSETS AND LIABILITIES Fair value is defined 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 measurements:  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. ASSETS AND LIABILITIES 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 assets and liabilities which are measured at fair value on a recurring basis at December 31, 2022 and 2021: (in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2022 Securities available-for-sale: US treasuries and government agencies $ - $ 140,682 $ - $ 140,682 States and political subdivisions - 21,822 - 21,822 Mortgage-backed securities - 201,822 - 201,822 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. There were no material differences in valuations noted in 2022 or 2021. 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 assets and liabilities which are measured at fair value on a nonrecurring basis at December 31, 2022 and 2021: (in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2022 Collateral dependent impaired loans $ - $ - $ 1,170 $ 1,170 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 $ 1.5 million, with an allowance for loan loss of $ 0.4 million, at December 31, 2022 compared with $ 5.0 million and $ 0.4 million, respectively, at December 31, 2021. At December 31, 2022 and 2021, 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, were as follows: December 31, 2022 December 31, 2021 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 23,054 $ 23,054 $ 244,785 $ 244,785 Level 2: Available for sale securities 364,326 364,326 305,959 305,959 FHLB and FRB stock 13,511 N/A 6,084 N/A Level 3: Held to maturity securities 6,949 6,809 3,165 3,179 Loans, net 1,652,931 1,564,641 1,553,467 1,573,420 Financial liabilities: Level 1: Demand deposits $ 493,710 $ 493,710 $ 492,864 $ 492,864 NOW deposits 273,359 273,359 259,908 259,908 Savings deposits 801,943 801,943 1,019,925 1,019,925 Level 2: Securities sold under agreement to repurchase 7,147 7,147 4,112 4,112 Other borrowed funds 193,001 192,443 32,879 32,990 Subordinated debt 31,075 30,263 30,974 32,111 Level 3: Time deposits 202,667 199,910 164,340 164,574 The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value. FHLB and FRB stock The carrying value of FHLB and FRB stock, which are non-marketable equity investments, approximates fair value. Deposits The fair value of demand deposits, NOW accounts, muni-vest accounts and regular savings accounts is the amount payable on demand at the reporting date. The fair value of time deposits is estimated using the rates currently offered for deposits of similar remaining maturities. Borrowed Funds and Securities Sold Under Agreement to Repurchase The fair value of securities sold under agreement to repurchase approximates its carrying value. The fair value of other borrowed funds was estimated using a discounted cash flow analysis based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements. Subordinated Debt Subordinated debt consists of subordinated notes and trust preferred capital securities. There is no active market for the Company’s trust preferred capital securities and there have been no issuances of similar instruments in recent years. The Company looked at a market bond index to estimate a discount margin to value the debentures. The discount margin was very similar to the spread to LIBOR established at the issuance of the debentures. As a result, the Company determined that the fair value of the adjustable-rate debentures approximates their face amount. The Company utilizes active markets with similar assets to determine the fair value of the subordinated notes. Pension Plan Assets Refer to Note 12 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans” for the fair value analysis of the Pension Plan assets.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2022
Regulatory Matters [Abstract]
Regulatory Matters	21. REGULATORY MATTERS Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table that follows) of Common Equity Tier I, Total Capital, and Tier I Capital (as defined in FRB regulations) to risk-weighted assets (as defined in FRB regulations), and of Tier I capital (as defined in FRB regulations) to average assets (as defined in FRB regulations). Management believes that as of December 31, 2022 and 2021 the Bank met all capital adequacy requirements to which they are subject. The most recent notification from their regulators categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum Common Equity Tier I, total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category rating. The Bank’s actual capital amounts and ratios were as follows: December 31, 2022 (in thousands) Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Common Equity Tier I (to Risk Weighted Assets) $ 215,262 13.16 % $ 73,627 4.5 % $ 106,350 6.5 % Total Capital (to Risk Weighted Assets) $ 234,700 14.34 % $ 130,893 8.0 % $ 163,616 10.0 % Tier I Capital (to Risk Weighted Assets) $ 215,262 13.16 % $ 98,170 6.0 % $ 130,893 8.0 % Tier I Capital (to Average Assets) $ 215,262 9.77 % $ 88,174 4.0 % $ 110,217 5.0 % December 31, 2021 (in thousands) Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Common Equity Tier I (to Risk Weighted Assets) $ 200,420 13.68 % $ 65,940 4.5 % $ 95,247 6.5 % Total Capital (to Risk Weighted Assets) $ 218,740 14.93 % $ 117,227 8.0 % $ 146,534 10.0 % Tier I Capital (to Risk Weighted Assets) $ 200,420 13.68 % $ 87,921 6.0 % $ 117,227 8.0 % Tier I Capital (to Average Assets) $ 200,420 9.19 % $ 87,278 4.0 % $ 109,098 5.0 % Dividends are paid as declared by the Board of Directors. Under New York law, the Company may pay dividends only if it is solvent and would not be rendered insolvent by the dividend payment and only from unrestricted and unreserved earned surplus, or if there is no surplus, out of its net profits for the fiscal year in which the dividend is declared and/or the preceding fiscal year. The Company and the Bank are subject to dividend restrictions imposed by the FRB and the OCC, respectively. In general, it is the policy of the FRB that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the holding company is consistent with the organization’s capital needs, asset quality and overall financial condition. Dividends may be paid by the Bank only if it would not impair the Bank’s capital structure, if the Bank’s surplus is at least equal to its common capital and if the dividends declared in any year do not exceed the total of retained net profits in that year combined with retained profits of the preceding two years.

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2022
Parent Company Only Financial Information [Abstract]
Parent Company Only Financial Information	22. PARENT COMPANY ONLY FINANCIAL INFORMATION Parent company (Evans Bancorp, Inc.) only condensed financial information is as follows: CONDENSED BALANCE SHEETS December 31, 2022 2021 (in thousands) ASSETS Cash $ 1,129 $ 1,864 Other assets 534 478 Investment in subsidiaries 184,451 213,717 Total assets $ 186,114 $ 216,059 LIABILITIES AND STOCKHOLDERS’ EQUITY LIABILITIES: Subordinated debt $ 31,075 $ 30,974 Other liabilities 1,046 1,193 Total liabilities 32,121 32,167 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity $ 153,993 $ 183,892 Total liabilities and stockholders’ equity $ 186,114 $ 216,059 CONDENSED STATEMENTS OF INCOME December 31, 2022 2021 2020 (in thousands) Dividends from subsidiaries $ 11,500 $ 8,100 $ 4,500 Income - - - Expenses ( 2,497 ) ( 2,565 ) ( 3,290 ) Income before equity in undistributed earnings of subsidiaries 9,003 5,535 1,210 Equity in undistributed earnings of subsidiaries 13,386 18,508 10,036 Net income $ 22,389 $ 24,043 $ 11,246 CONDENSED STATEMENTS OF CASH FLOWS Year Ended 2022 2021 2020 (in thousands) Operating Activities: Net income $ 22,389 $ 24,043 $ 11,246 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries ( 13,386 ) ( 18,508 ) ( 10,036 ) Changes in assets and liabilities affecting cash flow: Other assets ( 56 ) 7 ( 78 ) Other liabilities ( 147 ) ( 30 ) ( 48 ) Other 352 361 314 Net cash provided by operating activities 9,152 5,873 1,398 Investing Activities: Investment in subsidiaries - - ( 15,000 ) Net cash used in investing activities - - ( 15,000 ) Financing Activities: Proceeds from issuance of common stock 1,051 890 717 Cash dividends paid ( 6,942 ) ( 6,541 ) ( 5,991 ) Repurchase of treasury stock ( 4,140 ) - - Reissuance of treasury stock 144 - - Proceeds from long-term borrowings - - 20,000 Debt issuance cost of long term borrowings - - ( 509 ) Net cash (used in) provided by financing activities ( 9,887 ) ( 5,651 ) 14,217 Net increase (decrease) in cash ( 735 ) 222 615 Cash beginning of year 1,864 1,642 1,027 Cash ending of year $ 1,129 $ 1,864 $ 1,642

Organization And Summary Of S_2

Organization And Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2022
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And General	Organization and General Evans Bancorp, Inc. (the “Company”) was organized as a New York business corporation and incorporated under the laws of the State of New York on October 28, 1988 for the purpose of becoming a bank holding company. Through August 2004, the Company was registered with the Federal Reserve Board (“FRB”) as a bank holding company under the Bank Holding Company Act of 1956, as amended. In August 2004, the Company filed for, and was approved as, a Financial Holding Company under the Bank Holding Company Act. The Company currently conducts its business through its two subsidiaries: Evans Bank, N.A. (the “Bank”), a nationally chartered bank, and its subsidiary, Evans National Holding Corp. (“ENHC”); and Evans National Financial Services, LLC (“ENFS”) and its subsidiary, The Evans Agency LLC (“TEA”). Unless the context otherwise requires, the term “Company” refers collectively to Evans Bancorp, Inc. and its subsidiaries. The Company conducts its business through its subsidiaries. It does not engage in any other substantial business.
Regulatory Requirements	Regulatory Requirements The Company is subject to the rules, regulations, and reporting requirements of various regulatory bodies, including the FRB, the Federal Deposit Insurance Corporation (“FDIC”), the Office of the Comptroller of the Currency (“OCC”), the New York State Department of Financial Services (“NYSDFS”), and the Securities and Exchange Commission (“SEC”).
Principles Of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Company, the Bank, ENFS and their subsidiaries. All material inter-company accounts and transactions are eliminated in consolidation.
Accounting Estimates	Accounting Estimates Management has made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these consolidated financial statements in conformity with U.S. generally accepted accounting principles. These estimates and assumptions are based on management’s best estimates and judgment and management evaluates them on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from our estimates. Changes in those estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in periods as they occur.
Cash And Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits at banks.
Securities	Securities Securities which the Bank has the positive intent and ability to hold to maturity are classified as held to maturity and are stated at cost, adjusted for discounts and premiums that are recognized in interest income over the period to the earlier of the call date or maturity using the level yield method. These securities represent debt issuances of local municipalities in the Bank’s market area for which market prices are not readily available. Management periodically evaluates the financial condition of the municipalities for any indication that the Bank does not expect to recover the entire amortized cost basis of their bonds. Securities classified as available for sale are stated at fair value with unrealized gains and losses excluded from earnings and reported, net of deferred income taxes, in accumulated other comprehensive income or loss, a component of stockholders’ equity. Gains and losses on sales of securities are computed using the specific identification method. Declines in the fair value of investment securities (with certain exceptions for debt securities noted below) that are deemed to be other-than-temporary are charged to earnings as a realized loss and a new cost basis for the securities is established. Declines in the fair value of debt securities below amortized cost are deemed to be other-than-temporary in circumstances where: (1) the Bank has the intent to sell a security; (2) it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis; or (3) the Bank does not expect to recover the entire amortized cost basis of the security. If the Bank intends to sell a security or if it is more likely than not that the Bank will be required to sell the security before recovery, an other-than-temporary impairment write-down is recognized in earnings equal to the difference between the security’s amortized cost basis and its fair value. If the Bank does not intend to sell the security or it is not more likely than not that it will be required to sell the security before recovery, the other-than-temporary impairment write-down is separated into an amount representing credit loss, which is recognized in earnings, and an amount related to all other factors, which is recognized in other comprehensive income or loss. The Bank does not engage in securities trading activities.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock The Bank is a member of the Federal Home Loan Bank (“FHLB”) System. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are recorded as a component of interest income.
Federal Reserve Bank Stock	Federal Reserve Bank Stock The Bank is a member of the FRB. FRB stock is carried at cost, classified as a restricted security. Both cash and stock dividends are recorded as a component of interest income.
Loan Servicing Assets	Loan Servicing Assets Servicing assets are related to residential mortgage loans sold and are recognized at the time of sale when servicing is retained with the income statement effect recorded in gains on loans sold. Servicing assets are initially recorded at fair value based on the present value of the contractually specified servicing fee, net of estimated servicing costs, over the estimated life of the loan. The servicing assets are subsequently amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. The Company periodically evaluates servicing assets for impairment based upon the fair value of the assets as compared to their carrying amount.
Loans	Loans Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or pay-off, generally are reported at their outstanding unpaid principal balances adjusted for unamortized deferred fees or costs. Interest income is accrued on the unpaid principal balance and is recognized using the interest method. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective yield method of accounting for amortizing loans and straight line over an estimated life for lines of credit. Loans become past due when the payment date has been missed. If payment has not been received within 30 days, then the loan is delinquent. Delinquent loans are placed into three categories; 30-59 days past due, 60-89 days past due, or 90+ days past due. Loans 90 or more days past due are considered non-performing. The accrual of interest on loans is discontinued at the time the loan is 90 days delinquent, unless the credit is well secured and in process of collection. If the credit is not well secured and in the process of collection, the loan is placed on non-accrual status and is subject to charge-off if collection of principal or interest is considered doubtful. A loan can also be placed on nonaccrual before it is 90 days delinquent if management determines that it is probable that the Bank will be unable to collect principal or interest due according to the contractual terms of the loan. All interest due but not collected for loans that are placed on non-accrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cost-recovery method, until it again qualifies for an accrual basis. Any cash receipts on non-accrual loans reduce the carrying value of the loans. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current, the adverse circumstances which resulted in the delinquent payment status are resolved, and payments are made in a timely manner for a period of time sufficient to reasonably assure their future dependability. The Bank considers a loan impaired when, based on current information and events, it is probable that it will be unable to collect principal or interest due according to the contractual terms of the loan. These loans are individually assessed for any impairment. Loan impairment is measured based on the present value of expected cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral, less costs to sell, if the loan is collateral dependent. 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 loan being downgraded on the Company’s internal loan rating scale to special mention or substandard depending on the amount of the loan, the type of loan and the type of collateral. All impaired nonaccrual loans are either graded special mention or substandard on the internal loan rating scale. Subsequent to the downgrade, 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. The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) 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 : Credits with a slight risk of loss. The loan is secured by collateral of sufficient value to cover the loan by an acceptable margin. The financial statements of the company demonstrate sufficient net worth and repayment ability. The company has established an acceptable credit history with the bank and typically has a proven track record of performance. Management is experienced, and has an at least average ability to manage the company. The industry has an average or less than average susceptibility to wide fluctuations in business cycles.  Watch : Credits are generally acceptable but warrant greater attention than those rated acceptable or better. Temporary performance issues, if left unresolved, may result in above average risk. The borrower’s financial position is not typically strong. Earnings, while still positive, may be inconsistent. Industry issues or external events (such as possible litigation exposure) may cause concern. Although ability to repay is not an immediate concern, more regular monitoring may be necessary as a result of the short-term performance issues or sensitivities to external events that may result in a weakening condition. Any perceived weaknesses are acceptable when viewed against the overall credit and collateral risks assumed. Borrowers are likely fully leveraged when compared to others in a similar industry and their ability to raise capital may be limited.  Special Mention : Credits that have potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Borrowers in this category may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet. Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure as special mention include management problems, pending litigation, stale financial statements, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices. Potential weaknesses in commercial real estate loans may include, construction delays, changes in concept or project plan, slow leasing, rental concessions, deteriorating market conditions, impending expiry of a major lease, or other adverse events that do not currently jeopardize repayment.  Substandard : Credits that are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility of loss if the deficiencies are not corrected. Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. They are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. Although substandard assets in the aggregate will have distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated substandard. A well-defined weakness may manifest itself via: • significant deterioration in financial condition of the borrower; • impairment of primary repayment source; • material deviation from planned absorption of rental or sales units; or • material deterioration in market conditions. Commercial real estate credits evidencing one or more of the following characteristics are evaluated for a possible substandard classification: • slower than projected leasing or sales activity that threatens to result in protracted repayment or default; • lower than projected lease rates or sales prices that jeopardize repayment capacity; • changes in concept or plan due to unfavorable market conditions; • construction or tax liens; • inability to obtain necessary zoning or permits necessary to develop the project as planned; • a diversion of needed cash from an otherwise viable property to satisfy the demands of a troubled borrower or guarantor; • material imbalances in the construction budget; • significant construction delays; • expiration of a major lease or default by a major tenant; • poorly structured of overly liberal repayment terms. When a project has slowed or stalled and the guarantor is providing some support but the loan has not been restructured, unless the guarantor is providing support of principal payments sufficient to retire the debt under reasonable terms, a substandard classification is typically warranted. If the guarantor is keeping interest payments current and shows a documented willingness and capacity to do so in the future, and collateral values protect against loss, the loan should generally be left on accrual. This level of support; however, does not fully mitigate the well-defined weaknesses in the credit and does not preclude a substandard classification.  Doubtful : Credits that have all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. A doubtful asset has a high probability of total or substantial loss but because of specific pending events that may strengthen the assets, its classification as loss is deferred. Borrowers in this category are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Because of high probability of loss, nonaccrual accounting treatment is required for doubtful assets. Circumstances that might warrant a doubtful classification for commercial real estate loans could include collateral values that are uncertain due to a lack of comparisons in an inactive market, impending changes such as zoning classification, environmental issues, or the pending resolution of legal issues that may affect the realization of value in a sale.  Loss : Credits that are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Borrowers in this category are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. The Company does not maintain an asset on the balance sheet if realizing its value would require long-term litigation or other lengthy recovery efforts. 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. Consumers are not required to provide the Company with updated financial information as is a commercial customer. Consumer loans also carry smaller balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company does not have credit risk ratings for consumer loans and instead uses delinquency status as the credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. Loans acquired in a business combination are recorded at fair value with no carry-over of an acquired entity’s previously established allowance for credit losses. Purchased impaired loans represent specifically identified loans with evidence of credit deterioration for which it was probable at acquisition that the Company would be unable to collect all contractual principal and interest payments. For purchased impaired loans, the excess of cash flows expected at acquisition over the estimated fair value of acquired loans is recognized as interest income over the remaining lives of the loans. Subsequent decreases in the expected principal cash flows require the Company to evaluate the need for additions to the Company’s allowance for credit losses. Subsequent improvements in expected cash flows result first in the recovery of any related allowance for credit losses and then in recognition of additional interest income over the then remaining lives of the loans. For all other acquired loans, the difference between the fair value and outstanding principal balance of the loans is recognized as an adjustment to interest income over the lives of those loans.
Allowance For Loan Losses	Allowance for Loan Losses The provision for loan losses represents the amount charged against the Bank’s earnings to maintain an allowance for probable incurred loan losses inherent in the portfolio based on management’s evaluation of the loan portfolio at the balance sheet date. Factors considered by the Bank’s management in establishing the allowance include: the collectability of individual loans, current loan concentrations, charge-off history, loss emergence period, delinquent loan percentages, the fair value of the collateral, input from regulatory agencies, and general economic conditions. On a quarterly basis, management of the Bank meets to review and determine the adequacy of the allowance for loan losses. In making this determination, the Bank’s management analyzes the ultimate collectability of the loans in its portfolio by incorporating feedback provided by the Bank’s internal loan staff, an independent internal loan review function and information provided by examinations performed by regulatory agencies. The analysis of the allowance for loan losses is composed of two components: specific credit allocation and general portfolio allocation. The specific credit allocation includes a detailed review of each impaired loan and allocation is made based on this analysis. Factors may include the appraisal value of the collateral, the age of the appraisal, the type of collateral, the performance of the loan to date, the performance of the borrower’s business based on financial statements, and legal judgments involving the borrower. The general portfolio allocation consists of an assigned reserve percentage based on the historical loss experience, the loss emergence period, and other qualitative factors of the loan category. The general portfolio allocation is segmented into homogeneous pools of loans with similar characteristics. Separate pools of loans include loans pooled by loan grade and by portfolio segment. An average historical loss rate over the past ten years multiplied by the loss emergence period factor is applied against these loans. For both the criticized and non-criticized loan pools in the general portfolio allocation, additional qualitative factors are applied. The qualitative factors applied to the general portfolio allocation reflect management’s evaluation of various conditions. The conditions evaluated include the following: levels and trends in delinquencies, non-accruals, and criticized loans; trends in volume and terms of loans; effects of any changes in lending policies and credit quality underwriting standards; experience, ability, and depth of management; national and economic trends and conditions; changes in the quality of the loan review system; concentrations of credit risk; changes in collateral value; and large loan risk. The total possible qualitative allocation is determined by comparing peer bank historical charge-off rates to the Bank’s historical charge-off rate. The actual qualitative allocation is determined by qualitative factor by loan type based on metrics that management believes are appropriate indicators of whether the Bank is in a low, moderate, or high risk range relative to historical experience for each qualitative factor. A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered to be a Troubled Debt Restructuring (“TDR”). The allowances for credit losses on loans on a TDR is measured using the specific credit allocation . On April 7, 2020, federal banking regulators issued a revised Interagency Statement on Loan Modifications and Reporting for Financial Institutions, which, among other things, encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19, and stated that institutions generally do not need to categorize COVID-19-related modifications as TDRs and that the agencies will not direct supervised institutions to automatically categorize all COVID-19 related loan modifications as TDRs. Similarly, under the CARES Act, provisions were included that allow for loan modifications to not be classified as TDRs if certain criteria were met. The TDR exemption expired on January 1, 2022.
Foreclosed Real Estate	Foreclosed Real Estate Foreclosed real estate is initially recorded at fair value (net of costs of disposal) at the date of foreclosure. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. Assessments are periodically performed by management, and an allowance for losses is established through a charge to operations if the carrying value of a property exceeds fair value.
Operating Leases	Operating Leases The Company determines if an arrangement is a lease at inception by assessing whether there is an identified asset and whether the contract conveys the right to control the use of the identified asset for a period of time in exchange for consideration. Operating leases with a term of more than one year are included in operating lease Right-of-Use (“ROU”) assets and operating lease liabilities. The Company made a policy election to apply the short-term lease exemption to any operating leases with an original term of less than 12 months, therefore no ROU asset or lease liability is recorded for these operating leases. ROU assets represent the Company's right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized on the lease commencement date based on the present value of lease payments over the lease term. The Company uses the incremental borrowing rate commensurate with the lease term based on the information available at the lease commencement date in determining the present value of lease payments.
Insurance Service And Fees	Insurance Service and Fees Commission revenue from selling commercial and personal property and casualty insurance on behalf of the insurance carriers is recognized at the time of the sale of the policy or when a policy renews. Commission revenue from selling benefit plans to commercial customers on behalf of the insurance carriers is recognized each month when the customer continues with the benefit plan. The Company also receives contingent commissions from insurance companies which are based on the overall profitability of their relationship based primarily on the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are accrued throughout the year based on recent historical results. As loss events occur and overall performance becomes known, accrual adjustments are recorded until the cash is ultimately received. Financial services commissions and insurance claims services revenue are recognized when the services are rendered. Information on insurance service and fee revenue is included in Note 15 to these Consolidated Financial Statements, “Revenue Recognition of Non-interest Income.”
Goodwill And Other Intangible Assets	Goodwill and Other Intangible Assets The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company does not amortize goodwill and any acquired intangible asset with an indefinite useful economic life, but reviews them for impairment at a reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. The Company has selected December 31 as the date to perform the annual impairment test. A reporting unit is defined as any distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by the segment’s management. Goodwill is the only intangible asset with an indefinite life on the Company’s balance sheet. The Company amortizes acquired intangible assets with definite useful economic lives, consisting of core deposit intangibles, customer relationships and trade names, over their useful economic lives, which range from 5 to 10 years, utilizing the straight-line method.
Business Combinations	Business Combinations The company accounts for business combinations under the acquisition method of accounting. Upon obtaining control of the acquired entity, the Company records all identifiable assets and liabilities at their estimated fair values. Goodwill is recorded when the consideration paid for an acquired entity exceeds the estimated fair value of the net assets acquired. Changes to the acquisition date fair values of assets acquired and liabilities assumed may be made as adjustments to goodwill over a 12-month measurement period following the date of acquisition. Such adjustments are attributable to additional information obtained related fair value estimates of the assets acquired and liabilities assumed. Certain costs associated with business combinations are expensed as incurred.
Subordinated Debt	Subordinated Debt Long-term borrowings are carried at cost, adjusted for amortization of premiums and accretion of discounts, which are recognized in interest expense using the interest method. Debt issuance costs are recognized in interest expense over the life of the instrument.
Bank-Owned Life Insurance	Bank-Owned Life Insurance The Bank has purchased insurance on the lives of Company directors and certain members of the Company’s management. The policies accumulate asset values to meet future liabilities, including the payment of employee benefits, such as retirement benefits. Increases in the cash surrender value are recorded as other income in the Company’s Consolidated Statements of Income.
Properties And Equipment	Properties and Equipment Land is carried at cost. Properties and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from 3 to 39 years. Impairment losses on properties and equipment are realized if the carrying amount is not recoverable from its undiscounted cash flows and exceeds its fair value.
Income Taxes	Income Taxes Deferred tax assets and liabilities are recognized for the future tax effects attributable to differences between the financial statement value of existing assets and liabilities and their respective tax bases and carryforwards. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense. The Bank has invested in partnerships that incur expenses related to the rehabilitation of a certified historic structure located in New York State. At the time the historic structure is placed in service, the Bank is eligible for a federal and New York State tax credit. At the same time, the Bank evaluates its investment, which is valued at the present value of the expected cash flows from its partnership interest. If the investment is determined to be impaired, the Bank will record that impairment loss on its income statement in non-interest income. The federal tax credit impact is included in the Company’s estimated effective tax rate calculation and recorded in income tax expense. For New York State, any new credit earned from rehabilitated historic properties placed in service on or after January 1, 2015 not used in the current tax year will be treated as a refund or overpayment of tax to be credited to the next year’s tax. Since the realization of the tax credit does not depend on the Bank’s generation of future taxable income or the Bank’s ongoing tax status or tax position, the refund is not considered an element of income tax accounting. In such cases, the Bank would not record the credit as a reduction of income tax expense; rather, the Bank includes the refundable New York State tax credit in non-interest income with a corresponding receivable recorded in other assets.
Earnings Per Share	Earnings Per Share Earnings per common share is determined by dividing net income by the weighted average number of shares outstanding during the period. Diluted earnings per common share is based on increasing the weighted-average number of shares of common stock by the number of shares of common stock that would be issued assuming the exercise of stock options. Such adjustments to weighted-average number of shares of common stock outstanding are made only when such adjustments are expected to dilute earnings per common share. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and are not included in calculating diluted earnings per share. There were 55,555 , 57,322 and 81,770 anti-dilutive shares in 2022, 2021 and 2020, respectively.
Comprehensive Income	Comprehensive Income (Loss) Comprehensive income (loss) includes both net income and other comprehensive income (loss), including the change in unrealized gains and losses on securities available for sale, and the change in the liability related to pension costs, net of tax.
Employee Benefits	Employee Benefits The Bank maintains a non-contributory, qualified, defined benefit pension plan (the “Pension Plan”) that covered substantially all employees before it was frozen on January 31, 2008. All benefits eligible participants had accrued in the Pension Plan until the freeze date have been retained. Employees have not accrued additional benefits in the Pension Plan from that date. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age and compensation. The Bank’s policy is to fund the minimum amount required by government regulations. Employees are eligible to receive these benefits at normal retirement age. The Bank maintains a defined contribution 401(k) plan and accrues contributions due under this plan as earned by employees. In addition, the Bank maintains a non-qualified Supplemental Executive Retirement Plan for certain members of senior management, a non-qualified Deferred Compensation Plan for directors and certain members of management, and a non-qualified Executive Incentive Retirement Plan for certain members of management, as described more fully in Note 12 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans.”
Stock-Based Compensation	Stock-based Compensation Stock-based compensation expense is recognized over the requisite service period of the stock-based grant based on the estimated grant date value of the stock-based compensation that is expected to vest. The Company accounts for forfeitures of stock awards when they occur. When stock awards are granted, the Company assumes that the service condition will be achieved when determining the initial amount of compensation cost recognized. Information on the determination of the estimated value of stock-based awards used to calculate stock-based compensation expense is included in Note 13 to these Consolidated Financial Statements, “Stock-Based Compensation.”
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Financial Instruments With Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk In the ordinary course of business, the Bank has entered into off-balance sheet financial arrangements consisting of commitments to extend credit and standby letters of credit. The Bank provides guarantees in the form of standby letters of credit, which represent an irrevocable obligation to make payments to a third party if the borrower defaults on its obligation under a borrowing or other contractual arrangement with the third party. The Bank could potentially be required to make payments to the extent of the amount guaranteed by the standby letters of credit based on the terms of the agreement. There were no liabilities recorded on the Consolidated Balance Sheets related to standby letters of credit as of December 31, 2022 and 2021, reflecting management’s assessment of the value of the guarantee given the lack of historical activity and the likelihood of current customers to draw on the letters of credit. The Bank has not incurred any losses on its commitments during the past three years and has not recorded a reserve for its commitments.
Fair Value Of Assets And Liabilities	Fair Value of Assets and Liabilities Fair value estimates involve uncertainties and matters of significant judgement regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred.
Recent Accounting Pronouncements And Developments	RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTS The FASB establishes changes to U.S. 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 its current fiscal year did not have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. Accounting standards that have been recently issued but not yet required to be adopted as of December 31, 2022, to the extent management believes their adoption will have a material impact on the Company’s financial condition, results of operations, cash flows or disclosures, are discussed below. ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments – The Company adopted ASU 2016-13 on January 1, 2023. ASU 2016-13 replaces the “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 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 finalized the methodology determination, software models, quantitative framework, and policies and procedures for how to determine expected credit losses under the new guidance. Management is finalizing the qualitative component of the CECL calculation and is working with an independent third-party consultant to review internal procedures, policies, assumptions, and validate system models. 

Revenue Recognition Of Non-In_2

Revenue Recognition Of Non-Interest Income (Policy)	12 Months Ended
	Dec. 31, 2022
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition	A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:   TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits (“EB”) solutions to commercial customers.  TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.   TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.  TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.   Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.  The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.  Insurance claims services revenue is recorded at Frontier Claims Services, Inc. (“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.

Acquisitions (Tables)

Acquisitions (Tables)	12 Months Ended
	Dec. 31, 2022
Acquisitions [Abstract]
Schedule Of Selected Pro Forma Financial Information	2020 (in thousands) Net interest income after provision $ 56,090 Non-interest income 18,826 Non-interest expense 57,409 Net income 14,723

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	2022 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 165,495 $ 1 $ ( 24,814 ) $ 140,682 States and political subdivisions 23,480 4 ( 1,662 ) 21,822 Total debt securities $ 188,975 $ 5 $ ( 26,476 ) $ 162,504 Mortgage-backed securities: FNMA $ 75,921 $ - $ ( 12,819 ) $ 63,102 FHLMC 46,922 - ( 6,695 ) 40,227 GNMA 40,039 - ( 6,580 ) 33,459 SBA 22,556 - ( 2,419 ) 20,137 CMO 53,803 - ( 8,906 ) 44,897 Total mortgage-backed securities $ 239,241 $ - $ ( 37,419 ) $ 201,822 Total securities designated as available for sale $ 428,216 $ 5 $ ( 63,895 ) $ 364,326 Held to Maturity: Debt securities States and political subdivisions $ 6,949 $ - $ ( 140 ) $ 6,809 Total securities designated as held to maturity $ 6,949 $ - $ ( 140 ) $ 6,809 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. 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	December 31, 2022 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 6,849 $ 6,780 Due after one year through five years 87,550 80,768 Due after five years through ten years 65,586 54,906 Due after ten years 28,990 20,050 188,975 162,504 Mortgage-backed securities available for sale 239,241 201,822 Total $ 428,216 $ 364,326 Debt securities held to maturity: Due in one year or less $ 6,096 $ 6,061 Due after one year through five years 441 407 Due after five years through ten years 412 341 Due after ten years - - Total $ 6,949 $ 6,809
Unrealized Losses On Securities	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. government agencies $ 68,292 $ ( 5,929 ) $ 71,389 $ ( 18,885 ) $ 139,681 $ ( 24,814 ) States and political subdivisions 19,540 ( 1,645 ) 418 ( 17 ) 19,958 ( 1,662 ) Total debt securities $ 87,832 $ ( 7,574 ) $ 71,807 $ ( 18,902 ) $ 159,639 $ ( 26,476 ) Mortgage-backed securities: FNMA $ 23,242 $ ( 3,081 ) $ 39,860 $ ( 9,738 ) $ 63,102 $ ( 12,819 ) FHLMC 11,927 ( 790 ) 28,300 ( 5,905 ) 40,227 ( 6,695 ) GNMA 10,763 ( 1,298 ) 22,696 ( 5,282 ) 33,459 ( 6,580 ) SBA 16,996 ( 1,971 ) 3,141 ( 448 ) 20,137 ( 2,419 ) CMO 11,288 ( 673 ) 33,609 ( 8,233 ) 44,897 ( 8,906 ) Total mortgage-backed securities $ 74,216 $ ( 7,813 ) $ 127,606 $ ( 29,606 ) $ 201,822 $ ( 37,419 ) Held to Maturity: Debt securities: States and political subdivisions $ 6,627 $ ( 118 ) $ 182 $ ( 22 ) $ 6,809 $ ( 140 ) Total temporarily impaired securities $ 168,675 $ ( 15,505 ) $ 199,595 $ ( 48,530 ) $ 368,270 $ ( 64,035 ) 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. 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)	12 Months Ended
	Dec. 31, 2022
Loans And The Allowance For Loan Losses [Abstract]
Schedule Of Loan Portfolio Composition	December 31, 2022 December 31, 2021 Mortgage loans on real estate: (in thousands) Residential mortgages $ 440,123 $ 411,060 Commercial and multi-family 778,714 739,761 Construction-Residential 3,626 5,109 Construction-Commercial 117,403 98,012 Home equities 82,414 81,238 Total real estate loans 1,422,280 1,335,180 Commercial and industrial loans 250,069 237,077 Consumer and other loans 572 719 Unaccreted yield adjustments* ( 552 ) ( 1,071 ) Total gross loans 1,672,369 1,571,905 Allowance for loan losses ( 19,438 ) ( 18,438 ) Loans, net $ 1,652,931 $ 1,553,467 *Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated
Schedule Of Allowance For Loan Losses According To Portfolio Segment	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 ) - ( 170 ) ( 125 ) ( 30 ) ( 1,871 ) Recoveries 114 - 18 - - 132 Provision (Credit) 3,103 ( 772 ) 251 100 57 2,739 Ending balance $ 4,980 $ 11,595 $ 153 $ 2,102 $ 608 $ 19,438 Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment - 251 - 28 77 356 Collectively evaluated for impairment 4,980 11,344 153 2,074 531 19,082 Total $ 4,980 $ 11,595 $ 153 $ 2,102 $ 608 $ 19,438 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 687 $ - $ 687 Individually evaluated for impairment 2,697 18,144 - 4,020 949 25,810 Collectively evaluated for impairment 247,372 877,973 572 439,042 81,465 1,646,424 Total $ 250,069 $ 896,117 $ 572 $ 443,749 $ 82,414 $ 1,672,921 N ote : Loan balances do not include $( 0.6 ) million of unaccreted yield adjustments as of December 31, 2022. * includes construction loans 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 ) ( 1 ) ( 147 ) - - ( 572 ) Recoveries 76 - 30 - 2 108 Provision (Credit) ( 1,225 ) ( 881 ) 126 469 ( 2 ) ( 1,513 ) Ending balance $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 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 Credit Quality Indicators Of Certain Loans	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 $ 77,378 $ 567,112 $ 644,490 $ 177,278 Watch 22,639 168,626 191,265 40,603 Special Mention 4,979 17,965 22,944 25,316 Substandard 12,407 25,011 37,418 6,872 Doubtful/Loss - - - - Total $ 117,403 $ 778,714 $ 896,117 $ 250,069 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	2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 246,393 $ 235 $ 684 $ 139 $ 2,618 $ 250,069 Residential real estate: Residential 434,773 1,111 - 472 3,767 440,123 Construction 3,626 - - - - 3,626 Commercial real estate: Commercial 770,911 1,079 - 75 6,649 778,714 Construction 107,063 - - 1,648 8,692 117,403 Home equities 80,797 752 198 100 567 82,414 Consumer and other 567 3 1 1 - 572 Total Loans $ 1,644,130 $ 3,180 $ 883 $ 2,435 $ 22,293 $ 1,672,921 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
Data, At Class Level, Of Impaired Loans	At December 31, 2022 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 2,697 $ 3,334 $ - $ 2,654 $ 82 Residential real estate: Residential 4,607 5,109 - 4,522 57 Construction - - - - - Commercial real estate: Commercial 9,453 9,778 - 7,928 288 Construction 7,360 7,500 - 3,715 282 Home equities 813 885 - 778 24 Consumer and other - - - - - Total impaired loans $ 24,930 $ 26,606 $ - $ 19,597 $ 733 At December 31, 2022 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ - $ - $ - $ - $ - Residential real estate: Residential 59 59 28 59 - Construction - - - - - Commercial real estate: Commercial - - - - - Construction 1,331 1,499 251 1,360 - Home equities 136 153 77 58 2 Consumer and other - - - - - Total impaired loans $ 1,526 $ 1,711 $ 356 $ 1,477 $ 2 At December 31, 2022 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 2,697 $ 3,334 $ - $ 2,654 $ 82 Residential real estate: Residential 4,666 5,168 28 4,581 57 Construction - - - - - Commercial real estate: Commercial 9,453 9,778 - 7,928 288 Construction 8,691 8,999 251 5,075 282 Home equities 949 1,038 77 836 26 Consumer and other - - - - - Total impaired loans $ 26,456 $ 28,317 $ 356 $ 21,074 $ 735 At December 31, 2021 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 4,874 $ 5,712 $ - $ 5,126 $ 22 Residential real estate: Residential 3,297 3,654 - 3,602 27 Construction - - - - - Commercial real estate: Commercial 8,821 9,338 - 11,223 270 Construction 1,395 1,499 - 1,144 - Home equities 1,127 1,324 - 1,319 12 Consumer and other - - - - - Total impaired loans $ 19,514 $ 21,527 $ - $ 22,414 $ 331 At December 31, 2021 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 154 $ 158 $ 100 $ 159 $ 4 Residential real estate: Residential 60 60 9 59 1 Construction - - - - - Commercial real estate: Commercial 171 717 16 191 - Construction 1,538 1,555 329 1,642 - Home equities 109 109 41 109 - Consumer and other - - - - - Total impaired loans $ 2,032 $ 2,599 $ 495 $ 2,160 $ 5 At December 31, 2021 2021 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,028 $ 5,870 $ 100 $ 5,285 $ 26 Residential real estate: Residential 3,357 3,714 9 3,661 28 Construction - - - - - Commercial real estate: Commercial 8,992 10,055 16 11,414 270 Construction 2,933 3,054 329 2,786 - Home equities 1,236 1,433 41 1,428 12 Consumer and other - - - - - Total impaired loans $ 21,546 $ 24,126 $ 495 $ 24,574 $ 336 2020 Average Recorded Investment Interest Income Recognized With no related allowance recorded: With related allowance recorded: Total With no related allowance recorded: With related allowance recorded: Total Commercial and industrial $ 1,952 $ 4,938 $ 6,890 $ 8 $ 25 $ 33 Residential real estate: Residential 3,754 - 3,754 60 - 60 Construction - - - - - - Commercial real estate: Commercial 12,397 2,943 15,340 209 10 219 Construction 1,315 1,556 2,871 - 53 53 Home equities 1,565 109 1,674 23 1 24 Consumer and other - 3 3 - - - Total impaired loans $ 20,983 $ 9,549 $ 30,532 $ 300 $ 89 $ 389
Loans Classified As Troubled Debt Restructurings	December 31, 2022 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 814 $ 735 $ 79 $ - Residential real estate: Residential 875 530 345 - Construction - - - - Commercial real estate: Commercial and multi-family 2,803 - 2,803 - Construction - - - - Home equities 387 5 382 - Consumer and other - - - - Total TDR loans $ 4,879 $ 1,270 $ 3,609 $ - 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	Year ended December 31, 2022 Year ended December 31, 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 - - - - - -

Properties And Equipment (Table

Properties And Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Properties And Equipment [Abstract]
Schedule Of Properties And Equipment	2022 2021 (in thousands) Land $ 845 $ 845 Buildings and improvements 18,815 18,563 Furniture, fixtures, and equipment 8,935 8,664 28,595 28,072 Less accumulated depreciation ( 11,596 ) ( 10,283 ) Properties and equipment, net $ 16,999 $ 17,789

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Schedule Of Future Minimum Lease Payments	Year Ending December 31, (in thousands) 2023 $ 1,055 2024 919 2025 744 2026 672 2027 419 Thereafter 1,374 Total future minimum lease payments 5,183 Less imputed interest 460 Total $ 4,723

Goodwill And Intangible Assets

Goodwill And Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets [Abstract]
Schedule Of Intangible Assets	2022 2021 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (in thousands) (in thousands) Amortized intangible asset: Other insurance intangibles $ 3,325 ( 2,210 ) $ 3,325 ( 1,828 ) Core deposit intangibles 166 ( 54 ) 166 ( 36 ) Total $ 3,491 ( 2,264 ) $ 3,491 ( 1,864 )
Schedule Of Expected Amortization Expense	Year Ending December 31 Amount (in thousands) 2023 $ 389 2024 378 2025 218 2026 60 2027 60 Thereafter 122 $ 1,227

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Schedule Of Maturities Of Time Deposits	(in thousands) 2023 $ 164,447 2024 23,750 2025 9,332 2026 2,831 2027 2,307 $ 202,667

Borrowed Funds And Subordinat_2

Borrowed Funds And Subordinated Debt (Tables)	12 Months Ended
	Dec. 31, 2022
Borrowed Funds And Subordinated Debt [Abstract]
Schedule Of Maturities And Weighted Average Rates Of Other Borrowed Funds	Maturities Weighted Average Rate (in thousands) 2023 $ 186,443 4.47 % 2024 6,304 3.08 % Total $ 192,747 4.42 %
Schedule Of Amounts And Interest Rates Of Other Borrowed Funds	FHLB Overnight Line of Credit FHLB Advances FRB Borrowings Total Other Borrowings (in thousands) At December 31, 2022 Amount outstanding $ 173,200 $ 19,547 $ - $ 192,747 Weighted-average interest rate 4.61 % 2.77 % - % 4.42 % For the year ended December 31, 2022 Highest amount at a month end $ 173,200 $ 31,756 $ - Daily average amount outstanding $ 24,519 $ 23,721 $ - $ 48,240 Weighted-average interest rate 3.96 % 2.72 % - % 3.35 % At December 31, 2021 Amount outstanding $ - $ 32,145 $ - $ 32,145 Weighted-average interest rate - % 2.64 % - % 2.64 % For the year ended December 31, 2021 Highest amount at a month end $ - $ 42,434 $ - Daily average amount outstanding $ - $ 38,378 $ 24 $ 38,403 Weighted-average interest rate - % 2.55 % 0.35 % 2.55 % At December 31, 2020 Amount outstanding $ - $ 42,600 $ 693 $ 43,293 Weighted-average interest rate - % 2.51 % 0.35 % 2.47 % For the year ended December 31, 2020 Highest amount at a month end $ - $ 50,597 $ 693 Daily average amount outstanding $ - $ 35,625 $ 451 $ 35,625 Weighted-average interest rate - % 2.35 % 0.35 % 2.33 %

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2022
Comprehensive Income (Loss) [Abstract]
Schedule Of Other Comprehensive Income (Loss)	Balance at December 31, 2021 Net Change Balance at December 31, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 44,188 ) $ ( 47,348 ) Net defined benefit pension plan adjustments ( 2,511 ) 581 ( 1,930 ) Total $ ( 5,671 ) $ ( 43,607 ) $ ( 49,278 ) Balance at December 31, 2020 Net Change Balance at December 31, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 2,397 $ ( 5,557 ) $ ( 3,160 ) Net defined benefit pension plan adjustments ( 3,116 ) 605 ( 2,511 ) Total $ ( 719 ) $ ( 4,952 ) $ ( 5,671 ) Balance at December 31, 2019 Net Change Balance at December 31, 2020 (in thousands) Net unrealized gain on investment securities $ 522 $ 1,875 $ 2,397 Net defined benefit pension plan adjustments ( 3,105 ) ( 11 ) ( 3,116 ) Total $ ( 2,583 ) $ 1,864 $ ( 719 )
Components Of Other Comprehensive Income (Loss)	2022 Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: (in thousands) Unrealized loss on investment securities $ ( 59,621 ) $ 15,433 $ ( 44,188 ) Defined benefit pension plans adjustments: Net actuarial gain (loss) $ 481 $ ( 122 ) $ 359 Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost 31 ( 9 ) 22 Amortization of actuarial loss 274 ( 74 ) 200 Net change 786 ( 205 ) 581 Other Comprehensive Income (Loss) $ ( 58,835 ) $ 15,228 $ ( 43,607 ) 2021 Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: (in thousands) Unrealized loss on investment securities $ ( 7,508 ) $ 1,951 $ ( 5,557 ) Defined benefit pension plans adjustments: Net actuarial gain (loss) $ 404 $ ( 102 ) $ 302 Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost 31 ( 8 ) 23 Amortization of actuarial loss 383 ( 103 ) 280 Net change 818 ( 213 ) 605 Other Comprehensive Income (Loss) $ ( 6,690 ) $ 1,738 $ ( 4,952 ) 2020 Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized gain on investment securities: (in thousands) Unrealized gain on investment securities $ 3,201 $ ( 832 ) $ 2,369 Reclassification from accumulated other comprehensive income for losses ( 667 ) 173 ( 494 ) Net change 2,534 ( 659 ) 1,875 Defined benefit pension plans adjustments: Net actuarial (loss) gain $ ( 492 ) $ 128 $ ( 364 ) Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost 31 ( 8 ) 23 Amortization of actuarial loss 446 ( 116 ) 330 Net change ( 15 ) 4 ( 11 ) Other Comprehensive Income (Loss) $ 2,519 $ ( 655 ) $ 1,864

Employee Benefits And Deferre_2

Employee Benefits And Deferred Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2022
Pension [Member]
Employee Benefits And Deferred Compensation Plans [Line Items]
Schedule Of Defined Benefit Plans Disclosures	2022 2021 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 6,551 $ 6,837 Service cost - - Interest cost 179 165 Assumption change ( 1,613 ) ( 297 ) Actuarial loss 49 85 Benefits paid ( 254 ) ( 239 ) Benefit obligation at the end of the year 4,912 6,551 Change in plan assets: Fair value of plan assets at the beginning of year 6,536 6,583 Actual return on plan assets ( 1,284 ) 192 Employer contributions - - Benefits paid ( 254 ) ( 239 ) Fair value of plan assets at the end of year 4,998 6,536 Funded status $ 86 $ ( 15 ) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ 86 $ ( 15 ) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 2,229 $ 2,254 Prior service cost - - Net amount recognized in equity - pre-tax $ 2,229 $ 2,254 Accumulated benefit obligation at year end $ 4,912 $ 6,551
Schedule Of Assumptions Used	2022 2021 2020 Discount rate for projected benefit obligation 5.22 % 2.77 % 2.42 % Discount rate for net periodic pension cost 2.77 % 2.42 % 3.20 % Rate of increase in compensation levels - % - % - % Expected long-term rate of return of plan assets 5.50 % 5.50 % 5.50 %
Schedule Of Net Periodic Benefit Cost	2022 2021 2020 (in thousands) Service cost $ - $ - $ - Interest cost 179 165 200 Expected return on plan assets ( 353 ) ( 356 ) ( 325 ) Net amortization and deferral 97 100 96 Net periodic benefit cost $ ( 77 ) $ ( 91 ) $ ( 29 )
Schedule Of Weighted Average Asset Allocation	Asset Category: 2022 2021 Equity mutual funds 35.29 % 33.81 % Fixed income mutual funds 63.70 % 63.40 % Cash/Short-term investments 1.01 % 2.79 % 100.00 % 100.00 %
Schedule Of Major Categories Of Assets	2022 2021 (in thousands) Level 1: Cash $ - $ 22 Mutual funds: Short-term investments: Money market 50 160 Fixed Income: 3,314 4,144 Equities: Small cap 255 - Mid-Cap 151 - Large cap 794 920 International large cap 434 1,290 $ 4,998 $ 6,536
Schedule Of Expected Benefit Payments	(in thousands) 2023 $ 302 2024 336 2025 337 2026 342 2027 337 Year 2028 - 2032 1,728
Supplemental Executive Retirement Plan [Member]
Employee Benefits And Deferred Compensation Plans [Line Items]
Schedule Of Defined Benefit Plans Disclosures	2022 2021 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 5,754 $ 6,148 Service cost 131 148 Interest cost 124 100 Actuarial gain ( 553 ) ( 357 ) Benefits paid ( 408 ) ( 285 ) Benefit obligation at the end of the year 5,048 5,754 Change in plan assets: Fair value of plan assets at the beginning of year - - Actual return on plan assets - - Employer contributions 408 285 Benefits paid ( 408 ) ( 285 ) Fair value of plan assets at the end of year - - Funded status $ ( 5,048 ) $ ( 5,754 ) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ ( 5,048 ) $ ( 5,754 ) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 376 $ 1,106 Prior service cost - 31 Net amount recognized in equity - pre-tax $ 376 $ 1,137 Accumulated benefit obligation at year end $ 4,922 $ 5,591
Schedule Of Assumptions Used	2022 2021 2020 Discount rate for projected benefit obligation 5.10 % 2.23 % 1.66 % Discount rate for net periodic pension cost 2.23 % 1.66 % 2.72 % Salary scale 3.00 % 3.00 % 3.00 %
Schedule Of Net Periodic Benefit Cost	2022 2021 2020 (in thousands) Service cost $ 131 $ 148 $ 155 Interest cost 124 100 151 Net amortization and deferral 209 314 381 Net periodic benefit cost $ 464 $ 562 $ 687
Schedule Of Expected Benefit Payments	(in thousands) 2023 $ 285 2024 3,009 2025 285 2026 285 2027 285 Year 2028 - 2032 1,026

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Stock Options Valuation Assumptions	2022 2021 2020 Dividend Yield - % 3.07 % 4.55 % Expected Life (years) - 7.18 7.09 Expected Volatility - % 27.54 % 26.64 % Risk-free Interest Rate - % 1.51 % 0.63 % Weighted Average Fair Value $ - $ 7.80 $ 3.41
Schedule Of Stock Options Activity	Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in thousands) Balance, December 31, 2021 232,643 $ 29.77 Granted - - Exercised ( 34,764 ) 20.64 Expired ( 3,279 ) 39.71 Forfeited ( 956 ) 36.12 Balance, December 31, 2022 193,644 $ 31.21 4.97 $ 1,421 Exercisable, December 31, 2022 151,220 $ 31.13 4.15 $ 1,150
Schedule Of Restricted Stock Award Activity	Shares Weighted Average Grant Date Fair Value Balance, December 31, 2021 40,974 $ 32.79 Granted 33,017 39.21 Vested ( 20,978 ) 33.00 Forfeited ( 2,469 ) 38.49 Balance, December 31, 2022 50,544 $ 36.62
Schedule Of Activity Under Share Based Compensation Plans	2022 2021 2020 (in thousands) Total intrinsic value of stock options exercised $ 621 $ 488 $ 206 Total fair value of restricted stock awards vested $ 828 $ 701 $ 577
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Unrecognized Compensation Cost	(in thousands) 2023 $ 48 2024 40 2025 35
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Unrecognized Compensation Cost	(in thousands) 2023 $ 655 2024 391 2025 235

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Schedule Of Components Of Income Tax Provision (Benefit)	2022 2021 2020 (in thousands) Current federal tax expense $ 5,472 $ 4,951 $ 2,283 Current state tax expense 1,440 1,412 1,131 Total current tax expense 6,912 6,363 3,414 Deferred federal tax expense (benefit) $ 153 $ 1,165 $ ( 1,356 ) Deferred state tax expense (benefit) 98 355 ( 496 ) Total deferred tax expense (benefit) 251 1,520 ( 1,852 ) Total income tax provision $ 7,163 $ 7,883 $ 1,562
Schedule Of Effective Income Tax Rate Reconciliation	2022 2021 2020 Amount Percent Amount Percent Amount Percent (in thousands) Tax provision at statutory rate $ 6,206 21 % $ 6,704 21 % $ 2,690 21 % Change in taxes resulting from: Tax-exempt income ( 224 ) ( 1 ) ( 230 ) - ( 203 ) ( 2 ) Historic tax credit - - ( 24 ) - ( 1,643 ) ( 13 ) State taxes, net of federal benefit 1,215 4 1,396 4 502 4 Other items, net ( 34 ) - 37 - 216 2 Income tax provision $ 7,163 24 % $ 7,883 25 % $ 1,562 12 %
Schedule Of Historic Tax Credit	2022 2021 2020 Loss on tax credit investment $ - $ ( 30 ) $ ( 2,475 ) Refundable state historic tax credit - 21 1,857 Income tax benefit - 24 1,643 Total HTC income $ - $ 15 $ 1,025
Schedule Of Deferred Tax Assets And Liabilities	2022 2021 (in thousands) Deferred tax assets: Pension and SERP plans $ 1,456 $ 1,687 Allowance for loan and lease losses 4,987 4,744 Deferred compensation 526 576 Loss on investment in tax credit 59 135 Stock options granted 277 193 State tax credit carryforward 185 185 Lease liabilities 1,223 1,353 State net operating loss 368 387 Net unrealized losses on securities 16,543 1,109 Fair value adjustments of business combinations 470 623 Other 33 29 Gross deferred tax assets $ 26,127 $ 11,021 Deferred tax liabilities: Depreciation and amortization $ 1,154 $ 1,187 Right of use assets 1,137 1,254 Prepaid expenses 382 308 Deferred loan fees and costs 279 161 Mortgage servicing asset 295 238 Other 30 - Gross deferred tax liabilities $ 3,277 $ 3,148 Net deferred tax asset $ 22,850 $ 7,873

Revenue Recognition Of Non-In_3

Revenue Recognition Of Non-Interest Income (Tables)	12 Months Ended
	Dec. 31, 2022
Revenue Recognition Of Non-Interest Income [Abstract]
Schedule Of Disaggregation Of Insurance Service And Other Fees	2022 2021 2020 (in thousands) Commercial property and casualty insurance commissions $ 4,308 $ 3,993 $ 4,023 Personal property and casualty insurance commissions 3,363 3,288 3,388 Employee benefits sales commissions 851 902 1,173 Profit sharing and contingent revenue 1,164 1,198 1,077 Wealth management and other financial services 632 638 516 Insurance claims services revenue - 285 292 Other insurance-related revenue 135 153 141 Total insurance service and other fees $ 10,453 $ 10,457 $ 10,610

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	12 Months Ended
	Dec. 31, 2022
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	December 31, December 31, 2022 2021 (in thousands) Commitments to extend credit $ 376,167 $ 394,953 Standby letters of credit 3,673 4,636 Total $ 379,840 $ 399,589

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Information [Abstract]
Schedule Of Business Segments	2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 72,955 $ - $ 72,955 Provision for loan losses 2,739 - 2,739 Net interest income after provision for loan losses 70,216 - 70,216 Insurance service and fees 616 9,837 10,453 Other non-interest income 8,818 - 8,818 Amortization expense 19 381 400 Other non-interest expense 52,119 7,416 59,535 Income before income taxes 27,512 2,040 29,552 Income tax provision 6,636 527 7,163 Net income $ 20,876 $ 1,513 $ 22,389 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 72,785 $ - $ 72,785 Credit for loan losses ( 1,513 ) - ( 1,513 ) Net interest income after credit for loan losses 74,298 - 74,298 Insurance service and fees 580 9,877 10,457 Other non-interest income 8,136 254 8,390 Amortization expense 21 516 537 Other non-interest expense 52,843 7,839 60,682 Income before income taxes 30,150 1,776 31,926 Income tax provision 7,421 462 7,883 Net income $ 22,729 $ 1,314 $ 24,043 2020 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 59,793 $ ( 11 ) $ 59,782 Provision for loan losses 5,351 - 5,351 Net interest income (expense) after provision for loan losses 54,442 ( 11 ) 54,431 Insurance service and fees 488 10,122 10,610 Other non-interest income 7,623 4 7,627 Amortization expense 15 518 533 Other non-interest expense 51,322 8,005 59,327 Income before income taxes 11,216 1,592 12,808 Income tax provision 1,143 419 1,562 Net income $ 10,073 $ 1,173 $ 11,246
Schedule Of Identifiable Assets, Net	December 31, December 31, 2022 2021 (in thousands) Identifiable Assets, Net Banking activities $ 2,160,545 $ 2,192,348 Insurance agency activities 17,965 18,292 Consolidated Total Assets $ 2,178,510 $ 2,210,640

Fair Value Of Assets And Liab_2

Fair Value Of Assets And Liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Of Assets And Liabilities [Abstract]
Assets And Liabilities Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2022 Securities available-for-sale: US treasuries and government agencies $ - $ 140,682 $ - $ 140,682 States and political subdivisions - 21,822 - 21,822 Mortgage-backed securities - 201,822 - 201,822 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
Assets And Liabilities Measured At Fair Value On A Nonrecurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2022 Collateral dependent impaired loans $ - $ - $ 1,170 $ 1,170 December 31, 2021 Collateral dependent impaired loans $ - $ - $ 4,608 $ 4,608
Estimated Fair Values Of Financial Instruments	December 31, 2022 December 31, 2021 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 23,054 $ 23,054 $ 244,785 $ 244,785 Level 2: Available for sale securities 364,326 364,326 305,959 305,959 FHLB and FRB stock 13,511 N/A 6,084 N/A Level 3: Held to maturity securities 6,949 6,809 3,165 3,179 Loans, net 1,652,931 1,564,641 1,553,467 1,573,420 Financial liabilities: Level 1: Demand deposits $ 493,710 $ 493,710 $ 492,864 $ 492,864 NOW deposits 273,359 273,359 259,908 259,908 Savings deposits 801,943 801,943 1,019,925 1,019,925 Level 2: Securities sold under agreement to repurchase 7,147 7,147 4,112 4,112 Other borrowed funds 193,001 192,443 32,879 32,990 Subordinated debt 31,075 30,263 30,974 32,111 Level 3: Time deposits 202,667 199,910 164,340 164,574

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Matters [Abstract]
Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations	December 31, 2022 (in thousands) Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Common Equity Tier I (to Risk Weighted Assets) $ 215,262 13.16 % $ 73,627 4.5 % $ 106,350 6.5 % Total Capital (to Risk Weighted Assets) $ 234,700 14.34 % $ 130,893 8.0 % $ 163,616 10.0 % Tier I Capital (to Risk Weighted Assets) $ 215,262 13.16 % $ 98,170 6.0 % $ 130,893 8.0 % Tier I Capital (to Average Assets) $ 215,262 9.77 % $ 88,174 4.0 % $ 110,217 5.0 % December 31, 2021 (in thousands) Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Common Equity Tier I (to Risk Weighted Assets) $ 200,420 13.68 % $ 65,940 4.5 % $ 95,247 6.5 % Total Capital (to Risk Weighted Assets) $ 218,740 14.93 % $ 117,227 8.0 % $ 146,534 10.0 % Tier I Capital (to Risk Weighted Assets) $ 200,420 13.68 % $ 87,921 6.0 % $ 117,227 8.0 % Tier I Capital (to Average Assets) $ 200,420 9.19 % $ 87,278 4.0 % $ 109,098 5.0 %

Parent Company Only Financial_2

Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2022
Parent Company Only Financial Information [Abstract]
Condensed Balance Sheets	December 31, 2022 2021 (in thousands) ASSETS Cash $ 1,129 $ 1,864 Other assets 534 478 Investment in subsidiaries 184,451 213,717 Total assets $ 186,114 $ 216,059 LIABILITIES AND STOCKHOLDERS’ EQUITY LIABILITIES: Subordinated debt $ 31,075 $ 30,974 Other liabilities 1,046 1,193 Total liabilities 32,121 32,167 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity $ 153,993 $ 183,892 Total liabilities and stockholders’ equity $ 186,114 $ 216,059
Condensed Statements Of Income	December 31, 2022 2021 2020 (in thousands) Dividends from subsidiaries $ 11,500 $ 8,100 $ 4,500 Income - - - Expenses ( 2,497 ) ( 2,565 ) ( 3,290 ) Income before equity in undistributed earnings of subsidiaries 9,003 5,535 1,210 Equity in undistributed earnings of subsidiaries 13,386 18,508 10,036 Net income $ 22,389 $ 24,043 $ 11,246
Condensed Statements Of Cash Flows	Year Ended 2022 2021 2020 (in thousands) Operating Activities: Net income $ 22,389 $ 24,043 $ 11,246 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries ( 13,386 ) ( 18,508 ) ( 10,036 ) Changes in assets and liabilities affecting cash flow: Other assets ( 56 ) 7 ( 78 ) Other liabilities ( 147 ) ( 30 ) ( 48 ) Other 352 361 314 Net cash provided by operating activities 9,152 5,873 1,398 Investing Activities: Investment in subsidiaries - - ( 15,000 ) Net cash used in investing activities - - ( 15,000 ) Financing Activities: Proceeds from issuance of common stock 1,051 890 717 Cash dividends paid ( 6,942 ) ( 6,541 ) ( 5,991 ) Repurchase of treasury stock ( 4,140 ) - - Reissuance of treasury stock 144 - - Proceeds from long-term borrowings - - 20,000 Debt issuance cost of long term borrowings - - ( 509 ) Net cash (used in) provided by financing activities ( 9,887 ) ( 5,651 ) 14,217 Net increase (decrease) in cash ( 735 ) 222 615 Cash beginning of year 1,864 1,642 1,027 Cash ending of year $ 1,129 $ 1,864 $ 1,642

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) segment entity shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 shares
Number of subsidiaries | entity	2
Number of reporting units with goodwill | segment	1
Shares excluded from calculation of diluted earnings per share | shares	55,555	57,322	81,770
Standby Letters Of Credit [Member]
Guaranty liabilities | $	$ 0	$ 0
Minimum [Member]
Useful economic lives	5 years
Properties and equipment estimated useful life	3
Maximum [Member]
Useful economic lives	10 years
Properties and equipment estimated useful life	39

Acquisitions (Narrative) (Detai

Acquisitions (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended	24 Months Ended
	Dec. 31, 2022	Dec. 31, 2022
Business Acquisition [Line Items]
Goodwill, Acquisition		$ 0
FSB Bancorp, Inc [Member]
Business Acquisition [Line Items]
Merger-related expenses	$ 6

Acquisitions (Schedule Of Selec

Acquisitions (Schedule Of Selected Pro Forma Financial Information) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Business Acquisition [Line Items]
Net interest income after provision	$ 79,482	$ 77,580	$ 68,833
Non-interest income	19,271	18,847	18,237
Non-interest expense	59,935	61,219	59,860
Net income	$ 22,389	$ 24,043	11,246
FSB Bancorp, Inc [Member]
Business Acquisition [Line Items]
Net interest income after provision			56,090
Non-interest income			18,826
Non-interest expense			57,409
Net income			$ 14,723

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended			24 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment charges	$ 0	$ 0	$ 0
Investment Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Realized gains (losses) on sales of securities				$ 0
Gross realized gains on sales of securities			0.7
Gross realized losses on sales of securities			$ 0.1
Collateral Pledged [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities pledged as collateral	$ 226	$ 207		$ 226

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	$ 428,216	$ 310,228
Available for Sale, Unrealized Gains	5	1,112
Available for Sale, Unrealized Losses	(63,895)	(5,381)
Available for Sale, Fair Value	364,326	305,959
Available for Sale, Fair Value	364,326	305,959
Held to maturity, Amortized cost	6,949	3,165
Held to Maturity, Unrealized Gains		17
Held to Maturity, Unrealized Losses	(140)	(3)
Held to Maturity, Fair Value	6,809	3,179
US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	165,495
Available for Sale, Unrealized Gains	1
Available for Sale, Unrealized Losses	(24,814)
Available for Sale, Fair Value	140,682
Available for Sale, Fair Value	140,682
Collateralized Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	239,241	205,073
Available for Sale, Unrealized Gains		817
Available for Sale, Unrealized Losses	(37,419)	(2,995)
Available for Sale, Fair Value	201,822	202,895
Available for Sale, Fair Value	201,822	202,895
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	23,480	6,150
Available for Sale, Unrealized Gains	4	96
Available for Sale, Unrealized Losses	(1,662)
Available for Sale, Fair Value	21,822	6,246
Available for Sale, Fair Value	21,822	6,246
Held to maturity, Amortized cost		3,165
Held to Maturity, Unrealized Gains		17
Held to Maturity, Unrealized Losses		(3)
Held to Maturity, Fair Value		3,179
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	188,975	105,155
Available for Sale, Unrealized Gains	5	295
Available for Sale, Unrealized Losses	(26,476)	(2,386)
Available for Sale, Fair Value	162,504	103,064
Available for Sale, Fair Value	162,504	103,064
Held to maturity, Amortized cost	6,949
Held to Maturity, Unrealized Losses	(140)
Held to Maturity, Fair Value	6,809
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	75,921	64,056
Available for Sale, Unrealized Gains		222
Available for Sale, Unrealized Losses	(12,819)	(1,068)
Available for Sale, Fair Value	63,102	63,210
Available for Sale, Fair Value	63,102	63,210
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	46,922	38,796
Available for Sale, Unrealized Gains		62
Available for Sale, Unrealized Losses	(6,695)	(424)
Available for Sale, Fair Value	40,227	38,434
Available for Sale, Fair Value	40,227	38,434
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	40,039	31,814
Available for Sale, Unrealized Gains		15
Available for Sale, Unrealized Losses	(6,580)	(615)
Available for Sale, Fair Value	33,459	31,214
Available for Sale, Fair Value	33,459	31,214
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	22,556	17,919
Available for Sale, Unrealized Gains		343
Available for Sale, Unrealized Losses	(2,419)	(54)
Available for Sale, Fair Value	20,137	18,208
Available for Sale, Fair Value	20,137	18,208
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost	53,803	52,488
Available for Sale, Unrealized Gains		175
Available for Sale, Unrealized Losses	(8,906)	(834)
Available for Sale, Fair Value	44,897	51,829
Available for Sale, Fair Value	$ 44,897	51,829
US Treasury and Government [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Amortized cost		99,005
Available for Sale, Unrealized Gains		199
Available for Sale, Unrealized Losses		(2,386)
Available for Sale, Fair Value		96,818
Available for Sale, Fair Value		$ 96,818

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities [Abstract]
Debt securities available for sale, Due in one year or less, Amortized cost	$ 6,849
Debt securities available for sale, Due after one year through five years, Amortized cost	87,550
Debt securities available for sale, Due after five years through ten years, Amortized cost	65,586
Debt securities available for sale, Due after ten years, Amortized cost	28,990
Debt securities available for sale, Amortized cost	188,975
Mortgage-backed securities available for sale, Amortized cost	239,241
Available for Sale, Amortized cost	428,216	$ 310,228
Debt securities available for sale, Due in one year or less, Estimated fair value	6,780
Debt securities available for sale, Due after one year through five years, Estimated fair value	80,768
Debt securities available for sale, Due after five years through ten years, Estimated fair value	54,906
Debt securities available for sale, Due after ten years, Estimated fair value	20,050
Debt securities available for sale, Estimated fair value	162,504
Mortgage-backed securities available for sale, Estimated fair value	201,822
Debt securities available for sale, Estimated fair value	364,326	305,959
Debt securities held to maturity, Due in one year or less, Amortized cost	6,096
Debt securities held to maturity, Due after one year through five years, Amortized cost	441
Debt securities held to maturity, Due after five years through ten years, Amortized cost	412
Held to maturity, Amortized cost	6,949	3,165
Debt securities held to maturity, Due in one year or less, Estimated fair value	6,061
Debt securites held to maturity, Due after one year through five years, Estimated fair value	407
Debt securites held to maturity, Due after five years through ten years, Estimated fair value	341
Held to maturity, Estimated fair value	$ 6,809	$ 3,179

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 168,675	$ 207,411
Total temporarily impaired securities, 12 months or longer, Fair Value	199,595	31,891
Total temporarily impaired securities, Total, Fair Value	368,270	239,302
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(15,505)	(3,686)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(48,530)	(1,698)
Total temporarily impaired securities, Total, Unrealized Losses	(64,035)	(5,384)
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	19,540
Available for Sale, 12 months or longer, Fair Value	418
Available for Sale, Total, Fair Value	19,958
Available for Sale, Less than 12 months, Unrealized Losses	(1,645)
Available for Sale, 12 months or longer, Unrealized Losses	(17)
Available for Sale, Total, Unrealized Losses	(1,662)
Held To Maturity, Less than 12 months, Fair Value	6,627	1,782
Held To Maturity, 12 months or longer, Fair Value	182
Held To Maturity, Total, Fair Value	6,809	1,782
Held To Maturity, Less than 12 months, Unrealized Losses	(118)	(3)
Held To Maturity, 12 months or longer, Unrealized Losses	(22)
Held To Maturity, Total, Unrealized Losses	(140)	(3)
Collateralized Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	74,216	155,248
Available for Sale, 12 months or longer, Fair Value	127,606	4,403
Available for Sale, Total, Fair Value	201,822	159,651
Available for Sale, Less than 12 months, Unrealized Losses	(7,813)	(2,799)
Available for Sale, 12 months or longer, Unrealized Losses	(29,606)	(196)
Available for Sale, Total, Unrealized Losses	(37,419)	(2,995)
US Treasury and Government [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	68,292	50,381
Available for Sale, 12 months or longer, Fair Value	71,389	27,488
Available for Sale, Total, Fair Value	139,681	77,869
Available for Sale, Less than 12 months, Unrealized Losses	(5,929)	(884)
Available for Sale, 12 months or longer, Unrealized Losses	(18,885)	(1,502)
Available for Sale, Total, Unrealized Losses	(24,814)	(2,386)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	87,832	50,381
Available for Sale, 12 months or longer, Fair Value	71,807	27,488
Available for Sale, Total, Fair Value	159,639	77,869
Available for Sale, Less than 12 months, Unrealized Losses	(7,574)	(884)
Available for Sale, 12 months or longer, Unrealized Losses	(18,902)	(1,502)
Available for Sale, Total, Unrealized Losses	(26,476)	(2,386)
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	23,242	48,008
Available for Sale, 12 months or longer, Fair Value	39,860	2,941
Available for Sale, Total, Fair Value	63,102	50,949
Available for Sale, Less than 12 months, Unrealized Losses	(3,081)	(903)
Available for Sale, 12 months or longer, Unrealized Losses	(9,738)	(165)
Available for Sale, Total, Unrealized Losses	(12,819)	(1,068)
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	11,927	35,851
Available for Sale, 12 months or longer, Fair Value	28,300	76
Available for Sale, Total, Fair Value	40,227	35,927
Available for Sale, Less than 12 months, Unrealized Losses	(790)	(423)
Available for Sale, 12 months or longer, Unrealized Losses	(5,905)	(1)
Available for Sale, Total, Unrealized Losses	(6,695)	(424)
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	10,763	30,252
Available for Sale, 12 months or longer, Fair Value	22,696	143
Available for Sale, Total, Fair Value	33,459	30,395
Available for Sale, Less than 12 months, Unrealized Losses	(1,298)	(615)
Available for Sale, 12 months or longer, Unrealized Losses	(5,282)
Available for Sale, Total, Unrealized Losses	(6,580)	(615)
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	16,996	2,824
Available for Sale, 12 months or longer, Fair Value	3,141	1,218
Available for Sale, Total, Fair Value	20,137	4,042
Available for Sale, Less than 12 months, Unrealized Losses	(1,971)	(25)
Available for Sale, 12 months or longer, Unrealized Losses	(448)	(29)
Available for Sale, Total, Unrealized Losses	(2,419)	(54)
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	11,288	38,313
Available for Sale, 12 months or longer, Fair Value	33,609	25
Available for Sale, Total, Fair Value	44,897	38,338
Available for Sale, Less than 12 months, Unrealized Losses	(673)	(833)
Available for Sale, 12 months or longer, Unrealized Losses	(8,233)	(1)
Available for Sale, Total, Unrealized Losses	$ (8,906)	$ (834)

Loans And The Allowance For L_3

Loans And The Allowance For Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding principal balance	$ 800	$ 800
Acquired credit-impaired loans	700
Valuation allowances, acquired credit-impaired loans	0	0
30-59 days	1,644,130	1,523,498
Total criticized assets increase	93,000	111,000
Nonaccruing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan commitments to lend additional funds to debtors	0	0
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days	246,393	229,724
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days	567	706
Overdrawn deposit accounts classified as loans	$ 100	100
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maximum amount of loan as percentage of appraised value	80%
Loan servicing portfolio principal balance	$ 57,000	61,000
Mortgage servicing rights	1,100	900
Loans held for sale		100
30-59 days	434,773	402,992
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
Unpaid principal balances	59,000	70,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FNMA Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	4,500	1,000
Realized gains	100	100
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days	770,911	711,481
Total Real Estate Loans [Member] | FHLBNY [Member] | Residential And Commercial Mortgage Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days	$ 495,000	619,000
Hotel [Member] | Commercial Real Estate Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Hotel loan portfolio		$ 81,000
Minimum [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Rate re-pricing, period	3 years
Minimum [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	10 years
Minimum [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans mature or subject to a rate call, period	3 years
Maximum [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	5 years
Rate re-pricing, period	5 years
Maximum [Member] | Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Repayment term	5 years
Maximum [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	30 years
Maximum [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
LTV ratio	80%
Mortgage loans mature or subject to a rate call, period	5 years
Rate re-pricing, period	20 years

Loans And The Allowance For L_4

Loans And The Allowance For Loan Losses (Schedule Of Loan Portfolio Composition) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	$ 1,672,921	$ 1,572,976
Unaccreted yield adjustments	(552)	(1,071)
Total gross loans	1,672,369	1,571,905
Allowance for loan losses	(19,438)	(18,438)
Loans, net	1,652,931	1,553,467
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	250,069	237,077
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	572	719
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	1,422,280	1,335,180
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	443,749	416,169
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	440,123	411,060
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	3,626	5,109
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	896,117	837,773
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	778,714	739,761
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	117,403	98,012
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	$ 82,414	$ 81,238

Loans And The Allowance For L_5

Loans And The Allowance For Loan Losses (Schedule Of Allowance For Loan Losses According To Portfolio Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	$ 18,438	$ 20,415
Allowance for loan losses: Charge-offs	(1,871)	(572)
Allowance for loan losses: Recoveries	132	108
Allowance for loan losses: Provision (Credit)	2,739	(1,513)	$ 5,351
Allowance for loan losses: Ending balance	19,438	18,438	20,415
Allowance for loan losses: Individually evaluated for impairment	356	495
Allowance for loan losses: Collectively evaluated for impairment	19,082	17,943
Allowance for loan losses: Total	19,438	18,438	20,415
Loans: Loans acquired with deteriorated credit quality	687	803
Loans: Individually evaluated for impairment	25,810	20,787
Loans: Collectively evaluated for impairment	1,646,424	1,551,386
Total	1,672,921	1,572,976
Net deferred loan origination costs	(552)	(1,071)
Unaccreted yield adjustments	(552)	(1,071)
Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1,422,280	1,335,180
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	3,309	4,882
Allowance for loan losses: Charge-offs	(1,546)	(424)
Allowance for loan losses: Recoveries	114	76
Allowance for loan losses: Provision (Credit)	3,103	(1,225)
Allowance for loan losses: Ending balance	4,980	3,309	4,882
Allowance for loan losses: Individually evaluated for impairment		100
Allowance for loan losses: Collectively evaluated for impairment	4,980	3,209
Allowance for loan losses: Total	4,980	3,309	4,882
Loans: Individually evaluated for impairment	2,697	5,028
Loans: Collectively evaluated for impairment	247,372	232,049
Total	250,069	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	12,367	13,249
Allowance for loan losses: Charge-offs		(1)
Allowance for loan losses: Provision (Credit)	(772)	(881)
Allowance for loan losses: Ending balance	11,595	12,367	13,249
Allowance for loan losses: Individually evaluated for impairment	251	345
Allowance for loan losses: Collectively evaluated for impairment	11,344	12,022
Allowance for loan losses: Total	11,595	12,367	13,249
Loans: Individually evaluated for impairment	18,144	11,925
Loans: Collectively evaluated for impairment	877,973	825,848
Total	896,117	837,773
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	54	45
Allowance for loan losses: Charge-offs	(170)	(147)
Allowance for loan losses: Recoveries	18	30
Allowance for loan losses: Provision (Credit)	251	126
Allowance for loan losses: Ending balance	153	54	45
Allowance for loan losses: Collectively evaluated for impairment	153	54
Allowance for loan losses: Total	153	54	45
Loans: Collectively evaluated for impairment	572	719
Total	572	719
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	2,127	1,658
Allowance for loan losses: Charge-offs	(125)
Allowance for loan losses: Provision (Credit)	100	469
Allowance for loan losses: Ending balance	2,102	2,127	1,658
Allowance for loan losses: Individually evaluated for impairment	28	9
Allowance for loan losses: Collectively evaluated for impairment	2,074	2,118
Allowance for loan losses: Total	2,102	2,127	1,658
Loans: Loans acquired with deteriorated credit quality	687	803
Loans: Individually evaluated for impairment	4,020	2,598
Loans: Collectively evaluated for impairment	439,042	412,768
Total	443,749	416,169
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	581	581
Allowance for loan losses: Charge-offs	(30)
Allowance for loan losses: Recoveries		2
Allowance for loan losses: Provision (Credit)	57	(2)
Allowance for loan losses: Ending balance	608	581	581
Allowance for loan losses: Individually evaluated for impairment	77	41
Allowance for loan losses: Collectively evaluated for impairment	531	540
Allowance for loan losses: Total	608	581	$ 581
Loans: Individually evaluated for impairment	949	1,236
Loans: Collectively evaluated for impairment	81,465	80,002
Total	$ 82,414	$ 81,238

Loans And The Allowance For L_6

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Credit Quality Indicators Of Certain Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 1,672,921	$ 1,572,976
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,422,280	1,335,180
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	896,117	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	644,490	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	191,265	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	22,944	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	37,418	50,529
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	117,403	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	77,378	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	22,639	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	4,979	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	12,407	6,648
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	778,714	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	567,112	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	168,626	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	17,965	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	25,011	43,881
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	250,069	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	177,278	152,675
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	40,603	64,406
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	25,316	10,200
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 6,872	$ 9,796

Loans And The Allowance For L_7

Loans And The Allowance For Loan Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 1,644,130	$ 1,523,498
Non-accruing Loans	22,293	17,387
Total Balance	1,672,921	1,572,976
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,180	22,646
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	883	8,417
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2,435	1,028
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	246,393	229,724
Non-accruing Loans	2,618	4,901
Total Balance	250,069	237,077
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	235	1,336
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	684	568
Commercial And Industrial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	139	548
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	567	706
Total Balance	572	719
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3	9
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1	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	1,422,280	1,335,180
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	443,749	416,169
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	896,117	837,773
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	80,797	79,644
Non-accruing Loans	567	758
Total Balance	82,414	81,238
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	752	627
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	198	209
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	100
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	434,773	402,992
Non-accruing Loans	3,767	3,039
Total Balance	440,123	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	1,111	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		1,563
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	472
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	770,911	711,481
Non-accruing Loans	6,649	5,756
Total Balance	778,714	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	1,079	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		6,073
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	75
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,626	5,109
Total Balance	3,626	5,109
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	107,063	93,842
Non-accruing Loans	8,692	2,933
Total Balance	117,403	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		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
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 1,648	$ 480

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	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 24,930	$ 19,514
Impaired Loans, Recorded Investment, With a related allowance recorded	1,526	2,032
Impaired Loans, Recorded Investment, Total	26,456	21,546
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	26,606	21,527
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	1,711	2,599
Impaired Loans, Unpaid Principal Balance, Total	28,317	24,126
Impaired Loans, Related Allowance	356	495
Impaired Loans, Average Recorded Investment, With no related allowance recorded	19,597	22,414	$ 20,983
Impaired Loans, Average Recorded Investment, With a related allowance recorded	1,477	2,160	9,549
Impaired Loans, Average Recorded Investment, Total	21,074	24,574	30,532
Impaired Loans, Interest Income Recognized, With no related allowance recorded	733	331	300
Impaired Loans, Interest Income Recognized, With a related allowance recorded	2	5	89
Impaired Loans, Interest Income Recognized, Total	735	336	389
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	2,697	4,874
Impaired Loans, Recorded Investment, With a related allowance recorded		154
Impaired Loans, Recorded Investment, Total	2,697	5,028
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	3,334	5,712
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded		158
Impaired Loans, Unpaid Principal Balance, Total	3,334	5,870
Impaired Loans, Related Allowance		100
Impaired Loans, Average Recorded Investment, With no related allowance recorded	2,654	5,126	1,952
Impaired Loans, Average Recorded Investment, With a related allowance recorded		159	4,938
Impaired Loans, Average Recorded Investment, Total	2,654	5,285	6,890
Impaired Loans, Interest Income Recognized, With no related allowance recorded	82	22	8
Impaired Loans, Interest Income Recognized, With a related allowance recorded		4	25
Impaired Loans, Interest Income Recognized, Total	82	26	33
Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Average Recorded Investment, With no related allowance recorded			3,754
Impaired Loans, Average Recorded Investment, Total			3,754
Impaired Loans, Interest Income Recognized, With no related allowance recorded			60
Impaired Loans, Interest Income Recognized, Total			60
Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Average Recorded Investment, With no related allowance recorded			12,397
Impaired Loans, Average Recorded Investment, With a related allowance recorded			2,943
Impaired Loans, Average Recorded Investment, Total			15,340
Impaired Loans, Interest Income Recognized, With no related allowance recorded			209
Impaired Loans, Interest Income Recognized, With a related allowance recorded			10
Impaired Loans, Interest Income Recognized, Total			219
Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Average Recorded Investment, With no related allowance recorded			1,315
Impaired Loans, Average Recorded Investment, With a related allowance recorded			1,556
Impaired Loans, Average Recorded Investment, Total			2,871
Impaired Loans, Interest Income Recognized, With a related allowance recorded			53
Impaired Loans, Interest Income Recognized, Total			53
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Average Recorded Investment, With no related allowance recorded			1,565
Impaired Loans, Average Recorded Investment, With a related allowance recorded			109
Impaired Loans, Average Recorded Investment, Total			1,674
Impaired Loans, Interest Income Recognized, With no related allowance recorded			23
Impaired Loans, Interest Income Recognized, With a related allowance recorded			1
Impaired Loans, Interest Income Recognized, Total			24
Consumer And Other Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Average Recorded Investment, With a related allowance recorded			3
Impaired Loans, Average Recorded Investment, Total			$ 3
Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, Total		8,992
Impaired Loans, Unpaid Principal Balance, Total		10,055
Impaired Loans, Related Allowance		16
Impaired Loans, Average Recorded Investment, Total		11,414
Impaired Loans, Interest Income Recognized, Total		270
Total Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, Total		2,933
Impaired Loans, Unpaid Principal Balance, Total		3,054
Impaired Loans, Related Allowance		329
Impaired Loans, Average Recorded Investment, Total		2,786
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	4,607	3,297
Impaired Loans, Recorded Investment, With a related allowance recorded	59	60
Impaired Loans, Recorded Investment, Total	4,666	3,357
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	5,109	3,654
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	59	60
Impaired Loans, Unpaid Principal Balance, Total	5,168	3,714
Impaired Loans, Related Allowance	28	9
Impaired Loans, Average Recorded Investment, With no related allowance recorded	4,522	3,602
Impaired Loans, Average Recorded Investment, With a related allowance recorded	59	59
Impaired Loans, Average Recorded Investment, Total	4,581	3,661
Impaired Loans, Interest Income Recognized, With no related allowance recorded	57	27
Impaired Loans, Interest Income Recognized, With a related allowance recorded		1
Impaired Loans, Interest Income Recognized, Total	57	28
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	9,453	8,821
Impaired Loans, Recorded Investment, With a related allowance recorded		171
Impaired Loans, Recorded Investment, Total	9,453
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	9,778	9,338
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded		717
Impaired Loans, Unpaid Principal Balance, Total	9,778
Impaired Loans, Related Allowance		16
Impaired Loans, Average Recorded Investment, With no related allowance recorded	7,928	11,223
Impaired Loans, Average Recorded Investment, With a related allowance recorded		191
Impaired Loans, Average Recorded Investment, Total	7,928
Impaired Loans, Interest Income Recognized, With no related allowance recorded	288	270
Impaired Loans, Interest Income Recognized, Total	288
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	7,360	1,395
Impaired Loans, Recorded Investment, With a related allowance recorded	1,331	1,538
Impaired Loans, Recorded Investment, Total	8,691
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	7,500	1,499
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	1,499	1,555
Impaired Loans, Unpaid Principal Balance, Total	8,999
Impaired Loans, Related Allowance	251	329
Impaired Loans, Average Recorded Investment, With no related allowance recorded	3,715	1,144
Impaired Loans, Average Recorded Investment, With a related allowance recorded	1,360	1,642
Impaired Loans, Average Recorded Investment, Total	5,075
Impaired Loans, Interest Income Recognized, With no related allowance recorded	282
Impaired Loans, Interest Income Recognized, Total	282
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	813	1,127
Impaired Loans, Recorded Investment, With a related allowance recorded	136	109
Impaired Loans, Recorded Investment, Total	949	1,236
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	885	1,324
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	153	109
Impaired Loans, Unpaid Principal Balance, Total	1,038	1,433
Impaired Loans, Related Allowance	77	41
Impaired Loans, Average Recorded Investment, With no related allowance recorded	778	1,319
Impaired Loans, Average Recorded Investment, With a related allowance recorded	58	109
Impaired Loans, Average Recorded Investment, Total	836	1,428
Impaired Loans, Interest Income Recognized, With no related allowance recorded	24	12
Impaired Loans, Interest Income Recognized, With a related allowance recorded	2
Impaired Loans, Interest Income Recognized, Total	$ 26	$ 12

Loans And The Allowance For L_9

Loans And The Allowance For Loan Losses (Loans Classified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Total	$ 4,879	$ 5,718
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	814	1,003
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Total	1,270	1,515
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	735	876
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Total	3,609	4,203
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	79	127
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	387	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	382	478
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	875	989
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	2,803	3,236
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	530	627
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	345	362
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	$ 2,803	$ 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	12 Months Ended
	Dec. 31, 2022 USD ($) contract
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
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

Properties And Equipment (Sched

Properties And Equipment (Schedule Of Properties And Equipment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	$ 28,595	$ 28,072
Less accumulated depreciation	(11,596)	(10,283)
Properties and equipment, net	16,999	17,789
Depreciation expense	1,700	1,800	$ 1,600
Land [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	845	845
Buildings And Improvements [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	18,815	18,563
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	$ 8,935	$ 8,664

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended		24 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022
Leases [Abstract]
Leases, right-of-use assets	$ 4,392	$ 4,826	$ 4,392
Leases, liabilities	4,723	5,210	$ 4,723
Operating lease expenses	1,100
Payment to lease liabilities	$ 1,000	$ 1,100
Leases, weighted average discount rate	3%	2.80%	3%
Leases, weighted average remaining lease term	6 years 8 months 12 days	7 years 4 months 24 days	6 years 8 months 12 days
ROU assets obtained in exchange for lease obligations			$ 500

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Lease Payments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
2023	$ 1,055
2024	919
2025	744
2026	672
2027	419
Thereafter	1,374
Total future minimum lease payments	5,183
Less imputed interest	460
Total	$ 4,723	$ 5,210

Goodwill And Intangible Asset_2

Goodwill And Intangible Assets (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended			24 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022
Goodwill	$ 12,702	$ 12,702		$ 12,702
Addition goodwill				0
Goodwill impairment	$ 11	0
Estimated weighted average remaining life	4 years 1 month 6 days
Amortization expense related to intangibles	$ 400	537	$ 533
Impairment of intangible assets		0
Other Insurance Intangibles [Member]
Estimated weighted average remaining life	3 years 9 months 18 days
Impairment of intangible assets	$ 100
Core Deposit Intangibles [Member]
Estimated weighted average remaining life	7 years 3 months 18 days
Insurance Agency Segment [Member]
Goodwill	$ 10,900	10,900		10,900
Banking Segment [Member]
Goodwill	$ 1,800	$ 1,800		$ 1,800

Goodwill And Intangible Asset_3

Goodwill And Intangible Assets (Schedule Of Intangible Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 3,491	$ 3,491
Accumulated Amortization	(2,264)	(1,864)
Other Insurance Intangibles [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	3,325	3,325
Accumulated Amortization	(2,210)	(1,828)
Core Deposit Intangibles [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	166	166
Accumulated Amortization	$ (54)	$ (36)

Goodwill And Intangible Asset_4

Goodwill And Intangible Assets (Schedule Of Expected Amortization Expense) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Goodwill and Intangible Assets [Abstract]
2023	$ 389
2024	378
2025	218
2026	60
2027	60
Thereafter	122
Estimated amortization expense	$ 1,227

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Time deposits, $250,000 and over	$ 40.7	$ 25.3
Brokered time deposits	$ 6.5	$ 8.7

Deposits (Schedule Of Maturitie

Deposits (Schedule Of Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Deposits [Abstract]
2023	$ 164,447
2024	23,750
2025	9,332
2026	2,831
2027	2,307
Time deposits	$ 202,667

Borrowed Funds And Subordinat_3

Borrowed Funds And Subordinated Debt (Narrative) (Details) - USD ($) $ in Thousands		12 Months Ended
	Jul. 09, 2020	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
FHLBNY stock, carrying value		$ 10,437	$ 3,045
Purchased discounts		300	700	$ 1,400
Subordinated debt		31,075	30,974
30-59 days		$ 1,644,130	1,523,498
Capital Securities And Common Stock [Member]
Debt Instrument [Line Items]
Debt issuance date		Oct. 01, 2004
Subordinated debt		$ 11,300	11,300
Capital Securities [Member]
Debt Instrument [Line Items]
Debt maturity date		Nov. 23, 2034
Subordinated debt		$ 11,000
Distribution rate		7.42%
Common Stock [Member]
Debt Instrument [Line Items]
Subordinated debt		$ 300
Junior Subordinated Debentures [Member] | Capital Securities And Common Stock [Member]
Debt Instrument [Line Items]
Debt maturity date		Oct. 01, 2037
Debt interest rate		7.42%
Subordinated debt		$ 11,300
Subordinated Notes [Member]
Debt Instrument [Line Items]
Subordinated notes	$ 20,000
Debt maturity date	Jul. 15, 2030
Debt interest rate	6%
Basis spread on variable rate	5.90%
Subordinated debt		20,000	20,000
FHLB Advances [Member]
Debt Instrument [Line Items]
FHLB advances available		$ 320,000
FHLB Advances [Member] | Minimum [Member]
Debt Instrument [Line Items]
FHLB advances fixed interest rate		1.66%
FHLB Advances [Member] | Maximum [Member]
Debt Instrument [Line Items]
FHLB advances fixed interest rate		3.34%
FHLB Overnight Line of Credit [Member]
Debt Instrument [Line Items]
FHLB advances available		$ 18,000
FHLB Overnight Line of Credit [Member] | Maximum [Member]
Debt Instrument [Line Items]
FHLB advances available		$ 173,000
LIBOR [Member] | Capital Securities [Member]
Debt Instrument [Line Items]
Distribution rate		2.65%
Total Real Estate Loans [Member] | FHLBNY [Member] | Residential And Commercial Mortgage Loans [Member]
Debt Instrument [Line Items]
30-59 days		$ 495,000	$ 619,000

Borrowed Funds And Subordinat_4

Borrowed Funds And Subordinated Debt (Schedule Of Maturities And Weighted Average Rates Of Other Borrowed Funds) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Borrowed Funds And Subordinated Debt [Abstract]
2022 Maturities	$ 186,443
2023 Maturities	6,304
Total Maturities	$ 192,747	$ 32,145	$ 43,293
2022 Weighted Average Rate	4.47%
2023 Weighted Average Rate	3.08%
Weighted Average Rate	4.42%

Borrowed Funds And Subordinat_5

Borrowed Funds And Subordinated Debt (Schedule Of Amounts And Interest Rates Of Other Borrowed Funds) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Short-term Debt [Line Items]
Amount outstanding	$ 192,747	$ 32,145	$ 43,293
Weighted-average interest rate	4.42%	2.64%	2.47%
Daily average amount outstanding	$ 48,240	$ 38,403	$ 35,625
Weighted-average interest rate	3.35%	2.55%	2.33%
FHLB Overnight Line of Credit [Member]
Short-term Debt [Line Items]
Amount outstanding	$ 173,200
Weighted-average interest rate	4.61%
Highest amount at a month end	$ 173,200
Daily average amount outstanding	$ 24,519
Weighted-average interest rate	3.96%
FHLB Advances [Member]
Short-term Debt [Line Items]
Amount outstanding	$ 19,547	$ 32,145	$ 42,600
Weighted-average interest rate	2.77%	2.64%	2.51%
Highest amount at a month end	$ 31,756	$ 42,434	$ 50,597
Daily average amount outstanding	$ 23,721	$ 38,378	$ 35,625
Weighted-average interest rate	2.72%	2.55%	2.35%
FRB Borrowings [Member]
Short-term Debt [Line Items]
Amount outstanding			$ 693
Weighted-average interest rate			0.35%
Highest amount at a month end			$ 693
Daily average amount outstanding		$ 24	$ 451
Weighted-average interest rate		0.35%	0.35%

Securities Sold Under Agreeme_2

Securities Sold Under Agreements To Repurchase (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities Sold Under Agreements To Repurchase [Abstract]
Securities sold under agreement to repurchase	$ 7,147	$ 4,112

Comprehensive Income (Loss) (Sc

Comprehensive Income (Loss) (Schedule Of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (5,671)	$ (719)	$ (2,583)
Net Change	(43,607)	(4,952)	1,864
Ending Balance	(49,278)	(5,671)	(719)
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(3,160)	2,397	522
Net Change	(44,188)	(5,557)	1,875
Ending Balance	(47,348)	(3,160)	2,397
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(2,511)	(3,116)	(3,105)
Net Change	581	605	(11)
Ending Balance	$ (1,930)	$ (2,511)	$ (3,116)

Comprehensive Income (Loss) (Co

Comprehensive Income (Loss) (Components Of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Unrealized gain on investment securities:
Unrealized gain (loss) on investment securities, Before-Tax Amount	$ (59,621)	$ (7,508)	$ 3,201
Unrealized gain (loss) on investment securities, Income Tax (Provision) Benefit	15,433	1,951	(832)
Unrealized gain (loss) on investment securities, Net-of-Tax Amount	(44,188)	(5,557)	2,369
Reclassification from accumulated other comprehensive income for gains, Before-Tax Amount			(667)
Reclassification from accumulated other comprehensive income for gains (losses), Income Tax (Provision) Benefit			173
Reclassification from accumulated other comprehensive income for gains, Net-of-Tax Amount			(494)
Net change, Before-Tax Amount			2,534
Net change, Income Tax (Provision) Benefit			(659)
Total	(44,188)	(5,557)	1,875
Defined benefit pension plan adjustments:
Net actuarial (loss) gain, Before-Tax Amount	481	404	(492)
Net actuarial gain (loss), Income Tax (Provision) Benefit	(122)	(102)	128
Net actuarial gain (loss), Net-of-Tax Amount	359	302	(364)
Amortization of prior service cost, Before-Tax Amount	31	31	31
Amortization of prior service cost, Income Tax (Provision) Benefit	(9)	(8)	(8)
Amortization of prior service cost, Net-of-Tax Amount	22	23	23
Amortization of actuarial loss, Before-Tax Amount	274	383	446
Amortization of actuarial loss, Income Tax (Provision) Benefit	(74)	(103)	(116)
Amortization of actuarial loss, Net-of-Tax Amount	200	280	330
Net change, Before-Tax Amount	786	818	(15)
Net change, Income Tax (Provision) Benefit	(205)	(213)	4
Total	581	605	(11)
Other Comprehensive Income (Loss), Before-Tax Amount	(58,835)	(6,690)	2,519
Other Comprehensive Income (Loss), Income Tax (Provision) Benefit	15,228	1,738	(655)
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX	$ (43,607)	$ (4,952)	$ 1,864

Employee Benefits And Deferre_3

Employee Benefits And Deferred Compensation Plans (Narrative) (Details) $ in Thousands	12 Months Ended			24 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2022 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Cash surrender value of bank-owned life insurance contracts	$ 41,826	$ 34,295		$ 41,826
Pension [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	5.50%	5.50%	5.50%
Company contribution in the next fiscal year	$ 0			$ 0
Discount rate for projected benefit obligation	5.22%	2.77%	2.42%	5.22%
Benefit obligation	$ 4,912	$ 6,551	$ 6,837	$ 4,912
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	5.10%	2.23%	1.66%	5.10%
Required benefit service period	10 years
Number of highest consecutive years	5 years
Number of SERP plans | item	2
Benefit obligation	$ 5,048	$ 5,754	$ 6,148	$ 5,048
Supplemental Executive Retirement Plan [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Required benefit service period	15 years
Percentage of participants salary used to determine accrued benefit	25%			25%
Supplemental Executive Retirement Plan [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Required benefit service period	20 years
Percentage of participants salary used to determine accrued benefit	35%			35%
Non-Qualified Executive Incentive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost			100	$ 200
Benefit obligation	$ 1,900			$ 1,900
Other Post-Retirement Benefit Obligations [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost	$ 1,400		$ 1,200
Vesting period of employer contributions	6 years
Equity Securities [Member] | Pension [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	4.50%
Equity Securities [Member] | Pension [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	11%
Equity Securities [Member] | Normal Market Conditions [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of plan asset category	34%			34%
Fixed Income Securities [Member] | Pension [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	4%
Fixed Income Securities [Member] | Pension [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	5%
Fixed Income Securities [Member] | Normal Market Conditions [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of plan asset category	66%			66%
FSB Bancorp, Inc [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost	$ 5
Benefit obligation	$ 700			$ 700

Employee Benefits And Deferre_4

Employee Benefits And Deferred Compensation Plans (Schedule Of Defined Benefit Plans Disclosures, Pension Plan) (Details) - Pension [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Change in benefit obligation:
Benefit obligation at the beginning of the year	$ 6,551	$ 6,837
Interest cost	179	165	$ 200
Assumption change	(1,613)	(297)
Actuarial loss (gain)	49	85
Benefits paid	(254)	(239)
Benefit obligation at the end of the year	4,912	6,551	6,837
Change in plan assets:
Fair value of plan assets at beginning of year	6,536	6,583
Actual return on plan assets	(1,284)	192
Benefits paid	(254)	(239)
Fair value of plan assets at end of year	4,998	6,536	$ 6,583
Funded status	86	(15)
Accrued benefit liabilities	(86)	15
Net actuarial loss	2,229	2,254
Net amount recognized in equity – pre-tax	2,229	2,254
Accumulated benefit obligation at year end	$ 4,912	$ 6,551

Employee Benefits And Deferre_5

Employee Benefits And Deferred Compensation Plans (Schedule Of Assumptions Used, Pension Plan) (Details) - Pension [Member]	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	5.22%	2.77%	2.42%
Discounted rate for net periodic pension cost	2.77%	2.42%	3.20%
Expected long-term rate of return on plan assets	5.50%	5.50%	5.50%

Employee Benefits And Deferre_6

Employee Benefits And Deferred Compensation Plans (Schedule Of Net Periodic Benefit Cost, Pension Plan) (Details) - Pension [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 179	$ 165	$ 200
Expected return on plan assets	(353)	(356)	(325)
Net amortization and deferral	97	100	96
Net periodic benefit cost	$ (77)	$ (91)	$ (29)

Employee Benefits And Deferre_7

Employee Benefits And Deferred Compensation Plans (Schedule Of Weighted Average Asset Allocation) (Details) - Pension [Member]	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	100%	100%
Equity Mutual Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	35.29%	33.81%
Fixed Income Mutual Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	63.70%	63.40%
Cash/Short-Term Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	1.01%	2.79%

Employee Benefits And Deferre_8

Employee Benefits And Deferred Compensation Plans (Schedule Of Major Categories Of Assets) (Details) - Pension [Member] - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 4,998	$ 6,536	$ 6,583
Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	4,998	6,536
Cash [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets		22
Mutual Funds, Money Market [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	50	160
Fixed Income Mutual Funds [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	3,314	4,144
Equities, Small Cap [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	255
Equity, Mid Cap [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	151
Equities, Large Cap [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	794	920
Equities, International Large Cap [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 434	$ 1,290

Employee Benefits And Deferre_9

Employee Benefits And Deferred Compensation Plans (Schedule Of Expected Benefit Payments, Pension Plan) (Details) - Pension [Member] $ in Thousands	Dec. 31, 2022 USD ($)
Defined Benefit Plan Disclosure [Line Items]
2023	$ 302
2024	336
2025	337
2026	342
2027	337
Year 2028 - 2032	$ 1,728

Employee Benefits And Deferr_10

Employee Benefits And Deferred Compensation Plans (Schedule Of Defined Benefit Plans Disclosures, SERP) (Details) - Supplemental Executive Retirement Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Change in benefit obligation:
Benefit obligation at the beginning of the year	$ 5,754	$ 6,148
Service cost	131	148	$ 155
Interest cost	124	100	151
Actuarial loss (gain)	(553)	(357)
Benefits paid	(408)	(285)
Benefit obligation at the end of the year	5,048	5,754	$ 6,148
Change in plan assets:
Employer contributions	408	285
Benefits paid	(408)	(285)
Funded status	(5,048)	(5,754)
Accrued benefit liabilities	5,048	5,754
Net actuarial loss	376	1,106
Prior service cost		31
Net amount recognized in equity – pre-tax	376	1,137
Accumulated benefit obligation at year end	$ 4,922	$ 5,591

Employee Benefits And Deferr_11

Employee Benefits And Deferred Compensation Plans (Schedule Of Assumptions Used, SERP) (Details) - Supplemental Executive Retirement Plan [Member]	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	5.10%	2.23%	1.66%
Discounted rate for net periodic pension cost	2.23%	1.66%	2.72%
Salary scale	3%	3%	3%

Employee Benefits And Deferr_12

Employee Benefits And Deferred Compensation Plans (Schedule Of Net Periodic Benefit Cost, SERP) (Details) - Supplemental Executive Retirement Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 131	$ 148	$ 155
Interest cost	124	100	151
Net amortization and deferral	209	314	381
Net periodic benefit cost	$ 464	$ 562	$ 687

Employee Benefits And Deferr_13

Employee Benefits And Deferred Compensation Plans (Schedule Of Expected Benefit Payments, SERP) (Details) - Supplemental Executive Retirement Plan [Member] $ in Thousands	Dec. 31, 2022 USD ($)
Defined Benefit Plan Disclosure [Line Items]
2023	$ 285
2024	3,009
2025	285
2026	285
2027	285
Year 2028 - 2032	$ 1,026

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) ShareBasedCompensationPlan shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 USD ($) shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	2
Shares issued in Employee Stock Purchase Plan | shares	12,731	12,166	19,434
Employee [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized | $	$ 0.9	$ 0.7	$ 0.6
Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized | $	0.2	$ 0.2	$ 0.3
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized cost related to options | $	0.1
Expected term		7 years 2 months 4 days	7 years 1 month 2 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized cost related to restricted share-based compensation arrangements | $	$ 1.3
Equity Plans [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized | shares	603,883
Equity Plans [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of stock as a percentage of it's fair market value	100%
Equity Plans [Member] | Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Expected term	10 years
Equity Plans [Member] | Stock Options [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	12 months
2019 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for grant | shares	194,752
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for grant | shares	48,081
Purchase price of stock as a percentage on grant or exercise date	85%
Shares issued in Employee Stock Purchase Plan | shares	12,730	12,166	19,434
Maximum employee subscription rate	15%
Employee Stock Purchase Plan [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized | $	$ 0.1	$ 0.1	$ 0.1

Stock-Based Compensation (Sched

Stock-Based Compensation (Schedule Of Stock Options Valuation Assumptions) (Details) - Stock Options [Member] - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend Yield	3.07%	4.55%
Expected Life (years)	7 years 2 months 4 days	7 years 1 month 2 days
Expected Volatility	27.54%	26.64%
Risk-free Interest Rate	1.51%	0.63%
Weighted Average Fair Value	$ 7.80	$ 3.41

Stock-Based Compensation (Sch_2

Stock-Based Compensation (Schedule Of Stock Options Activity) (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Balance, Beginning | shares	232,643
Options Exercised | shares	(34,764)
Options Expired | shares	(3,279)
Options Forfeited | shares	(956)
Options Balance, Ending | shares	193,644
Options Exercisable, Ending | shares	151,220
Weighted Average Exercise Price, Balance, Beginning | $ / shares	$ 29.77
Weighted Average Exercise Price, Exercised | $ / shares	20.64
Weighted Average Exercise Price, Expired | $ / shares	39.71
Weighted Average Exercise Price, Forfeited | $ / shares	36.12
Weighted Average Exercise Price, Balance, Ending | $ / shares	31.21
Weighted Average Exercise Price, Exercisable, Ending | $ / shares	$ 31.13
Weighted Average Remaining Contractual Term (years), Balance, Ending	4 years 11 months 19 days
Weighted Average Remaining Contractual Term (years), Exercisable, Ending	4 years 1 month 24 days
Aggregate Intrinsic Value, Balance, Ending | $	$ 1,421
Aggregate Intrinsic Value, Balance, Exercisable, Ending | $	$ 1,150

Stock-Based Compensation (Sch_3

Stock-Based Compensation (Schedule Of Unrecognized Compensation Cost) (Details) - Stock Options [Member] $ in Thousands	Dec. 31, 2022 USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2023	$ 48
2024	40
2025	$ 35

Stock-Based Compensation (Sch_4

Stock-Based Compensation (Schedule Of Restricted Stock Award Activity) (Details) - Restricted Stock [Member]	12 Months Ended
	Dec. 31, 2022 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares Balance, Beginning | shares	40,974
Shares Granted | shares	33,017
Shares Vested | shares	(20,978)
Shares Forfeited | shares	(2,469)
Shares Balance, Ending | shares	50,544
Weighted Average Grant Date Fair Value, Balance, Beginning | $ / shares	$ 32.79
Weighted Average Grant Date Fair Value, Granted | $ / shares	39.21
Weighted Average Grant Date Fair Value, Vested | $ / shares	33
Weighted Average Grant Date Fair Value, Forfeited | $ / shares	38.49
Weighted Average Grant Date Fair Value, Balance, Ending | $ / shares	$ 36.62

Stock-Based Compensation (Sch_5

Stock-Based Compensation (Schedule Of Unrecognized Compensation Cost) (Details) - Restricted Stock [Member] $ in Thousands	Dec. 31, 2022 USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2023	$ 655
2024	391
2025	$ 235

Stock-Based Compensation (Sch_6

Stock-Based Compensation (Schedule Of Activity Under Share Based Compensation Plans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total intrinsic value of stock options exercised	$ 621	$ 488	$ 206
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total fair value of restricted stock awards vested	$ 828	$ 701	$ 577

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Contingency [Line Items]
Unrecognized tax benefits	$ 0	$ 0	$ 0
IRS [Member] | Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years remain subject to examination	2019
IRS [Member] | Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years remain subject to examination	2021

Income Taxes (Schedule Of Compo

Income Taxes (Schedule Of Components Of Income Tax Provision (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Current federal tax expense	$ 5,472	$ 4,951	$ 2,283
Current state tax expense	1,440	1,412	1,131
Total current tax expense	6,912	6,363	3,414
Deferred federal tax expense (benefit)	153	1,165	(1,356)
Deferred state tax expense (benefit)	98	355	(496)
Total deferred tax expense (benefit)	251	1,520	(1,852)
Income tax provision	$ 7,163	$ 7,883	$ 1,562

Income Taxes (Schedule Of Effec

Income Taxes (Schedule Of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Tax provision at statutory rate, Amount	$ 6,206	$ 6,704	$ 2,690
Tax-exempt income, Amount	(224)	(230)	(203)
Historic tax credit, Amount		(24)	(1,643)
State taxes, net of federal benefit, Amount	1,215	1,396	502
Other items, net, Amount	(34)	37	216
Income tax provision	$ 7,163	$ 7,883	$ 1,562
Tax provision at statutory rate, Percent	21%	21%	21%
Tax-exempt income, Percent	(1.00%)		(2.00%)
Historic tax credit, Percent			(13.00%)
State taxes, net of federal benefit, Percent	4%	4%	4%
Other items, net, Percent			2%
Income tax provision, Percent	24%	25%	12%

Income Taxes (Schedule Of Histo

Income Taxes (Schedule Of Historic Tax Credit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Contingency [Line Items]
Loss on tax credit investment		$ (30)	$ (2,475)
Refundable state historic tax credit		21	1,857
Income tax benefit	$ (7,163)	(7,883)	(1,562)
Historic Structure In New York State [Member]
Income Tax Contingency [Line Items]
Loss on tax credit investment		(30)	(2,475)
Refundable state historic tax credit		21	1,857
Income tax benefit		24	1,643
Total HTC income		$ 15	$ 1,025

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Pension and SERP plans	$ 1,456	$ 1,687
Allowance for loan and lease losses	4,987	4,744
Deferred compensation	526	576
Loss on investment in tax credit	59	135
Stock options granted	277	193
State tax credit carryforward	185	185
Leases liabilities	1,223	1,353
State net operating loss	368	387
Net unrealized losses on securities	16,543	1,109
Fair value adjustments of business combinations	470	623
Other	33	29
Gross deferred tax assets	26,127	11,021
Deferred tax liabilities:
Depreciation and amortization	1,154	1,187
Right of use assets	1,137	1,254
Prepaid expenses	382	308
Deferred loan fees and costs	279	161
Mortgage servicing asset	295	238
Other	30
Gross deferred tax liabilities	3,277	3,148
Net deferred tax asset	$ 22,850	$ 7,873

Revenue Recognition Of Non-In_4

Revenue Recognition Of Non-Interest Income (Schedule Of Disaggregation Of Insurance Service And Other Fees) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 10,453	$ 10,457	$ 10,610
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	4,308	3,993	4,023
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	3,363	3,288	3,388
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	851	902	1,173
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	1,164	1,198	1,077
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	632	638	516
Insurance Claims Services Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees		285	292
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 135	$ 153	$ 141

Related Party Transactions (Nar

Related Party Transactions (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related Party Transactions [Abstract]
Aggregate amount of loans to related party	$ 0.9	$ 1.7
New advances to related party during period	7.3
Related party loans repaid	8.1
Related party deposits	$ 4.3	$ 2.6

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Contingent Liabilities And Commitments [Abstract]
Losses on commitments	$ 0	$ 0	$ 0
Reserve for commitments	0	0	0
Aggregate minimum annual rental commitments, 2022	1,055
Aggregate minimum annual rental commitments, 2023	919
Aggregate minimum annual rental commitments, 2024	744
Aggregate minimum annual rental commitments, 2025	672
Aggregate minimum annual rental commitments, 2026	419
Aggregate minimum annual rental commitments, Thereafter	1,374
Rental expense under operating leases	$ 1,100	$ 1,100	$ 1,000

Contingent Liabilities And Co_4

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 379,840	$ 399,589
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	376,167	394,953
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 3,673	$ 4,636

Concentrations Of Credit (Narra

Concentrations Of Credit (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022
Capital [Member] | Maximum [Member] | Credit Concentration Risk [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	15%

Segment Information (Schedule O

Segment Information (Schedule Of Business Segments) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) segment	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Number of primary business segments | segment	2
Net interest income (expense)	$ 72,955	$ 72,785	$ 59,782
Provision (credit) for loan losses	2,739	(1,513)	5,351
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	70,216	74,298	54,431
Insurance service and fees	10,453	10,457	10,610
Other non-interest income	19,271	18,847	18,237
Amortization expense	400	537	533
Other non-interest expense	59,935	61,219	59,860
INCOME BEFORE INCOME TAXES	29,552	31,926	12,808
Income tax provision	7,163	7,883	1,562
NET INCOME	22,389	24,043	11,246
Operating Segments [Member]
Net interest income (expense)	72,955	72,785	59,782
Provision (credit) for loan losses	2,739	(1,513)	5,351
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	70,216	74,298	54,431
Insurance service and fees	10,453	10,457	10,610
Other non-interest income	8,818	8,390	7,627
Amortization expense	400	537	533
Other non-interest expense	59,535	60,682	59,327
INCOME BEFORE INCOME TAXES	29,552	31,926	12,808
Income tax provision	7,163	7,883	1,562
NET INCOME	22,389	24,043	11,246
Banking Activities [Member] | Operating Segments [Member]
Net interest income (expense)	72,955	72,785	59,793
Provision (credit) for loan losses	2,739	(1,513)	5,351
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	70,216	74,298	54,442
Insurance service and fees	616	580	488
Other non-interest income	8,818	8,136	7,623
Amortization expense	19	21	15
Other non-interest expense	52,119	52,843	51,322
INCOME BEFORE INCOME TAXES	27,512	30,150	11,216
Income tax provision	6,636	7,421	1,143
NET INCOME	20,876	22,729	10,073
Insurance Agency Activities [Member] | Operating Segments [Member]
Net interest income (expense)			(11)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES			(11)
Insurance service and fees	9,837	9,877	10,122
Other non-interest income		254	4
Amortization expense	381	516	518
Other non-interest expense	7,416	7,839	8,005
INCOME BEFORE INCOME TAXES	2,040	1,776	1,592
Income tax provision	527	462	419
NET INCOME	$ 1,513	$ 1,314	$ 1,173

Segment Information (Schedule_2

Segment Information (Schedule Of Identifiable Assets, Net) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Consolidated Total Assets	$ 2,178,510	$ 2,210,640
Operating Segments [Member] | Banking Activities [Member]
Segment Reporting Information [Line Items]
Consolidated Total Assets	2,160,545	2,192,348
Operating Segments [Member] | Insurance Agency Activities [Member]
Segment Reporting Information [Line Items]
Consolidated Total Assets	$ 17,965	$ 18,292

Fair Value Of Assets And Liab_3

Fair Value Of Assets And Liabilities (Narrative) (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans, allowance for loan loss	$ 356	$ 495
Minimum [Member] | Impaired Loans [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount on appraisals of the collateral	10
Maximum [Member] | Consumer Loans [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans, allowance for loan loss	$ 400
Maximum [Member] | Impaired Loans [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount on appraisals of the collateral	50
Nonrecurring [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans, gross	$ 1,500	5,000
Impaired loans, allowance for loan loss		$ 400

Fair Value Of Assets And Liab_4

Fair Value Of Assets And Liabilities ( Assets And Liabilities Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	$ 364,326	$ 305,959
US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	140,682	96,818
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	21,822	6,246
Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	201,822	202,895
Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	140,682	96,818
Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	21,822	6,246
Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	$ 201,822	$ 202,895

Fair Value Of Assets And Liab_5

Fair Value Of Assets And Liabilities ( Assets And Liabilities Measured At Fair Value On Nonrecurring Basis) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,170	$ 4,608
Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,170	$ 4,608

Fair Value Of Assets And Liab_6

Fair Value Of Assets And Liabilities (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for Sale, Fair Value	$ 364,326	$ 305,959
Held to maturity securities	6,809	3,179
Demand deposits	493,710	492,864
NOW deposits	273,359	259,908
Savings deposits	801,943	1,019,925
Time deposits	202,667	164,340
Carrying Amount [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	23,054	244,785
Demand deposits	493,710	492,864
NOW deposits	273,359	259,908
Savings deposits	801,943	1,019,925
Carrying Amount [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for Sale, Fair Value	364,326	305,959
FHLB and FRB stock	13,511	6,084
Securities sold under agreement to repurchase	7,147	4,112
Other borrowed funds	193,001	32,879
Subordinated debt	31,075	30,974
Carrying Amount [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	6,949	3,165
Loans, net	1,652,931	1,553,467
Time deposits	202,667	164,340
Fair Value [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	23,054	244,785
Demand deposits	493,710	492,864
NOW deposits	273,359	259,908
Savings deposits	801,943	1,019,925
Fair Value [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for Sale, Fair Value	364,326	305,959
Securities sold under agreement to repurchase	7,147	4,112
Other borrowed funds	192,443	32,990
Subordinated debt	30,263	32,111
Fair Value [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	6,809	3,179
Loans, net	1,564,641	1,573,420
Time deposits	$ 199,910	$ 164,574

Regulatory Matters (Schedule Of

Regulatory Matters (Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 73,627	$ 65,940
Common Equity Tier I (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	0.045%	0.045%
Common Equity Tier I (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 106,350	$ 95,247
Common Equity Tier I (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.065%	0.065%
Total Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 130,893	$ 117,227
Total Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	0.080	0.080
Total Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 163,616	$ 146,534
Total Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.100	0.100
Tier I Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 98,170	$ 87,921
Tier I Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	0.060	0.060
Tier I Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 130,893	$ 117,227
Tier I Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.080	0.080
Tier I Capital (to Average Assets), Minimum for Capital Adequacy Purposes, Amount	$ 88,174	$ 87,278
Tier I Capital (to Average Assets), Minimum for Capital Adequacy Purposes, Ratio	0.040	0.040
Tier I Capital (to Average Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 110,217	$ 109,098
Tier I Capital (to Average Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.050	0.050
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Amount	$ 215,262	$ 200,420
Common Equity Tier I (to Risk Weighted Assets), Ratio	0.1316%	0.1368%
Total Capital (to Risk Weighted Assets), Amount	$ 234,700	$ 218,740
Total Capital (to Risk Weighted Assets), Ratio	0.1434	0.1493
Tier I Capital (to Risk Weighted Assets), Amount	$ 215,262	$ 200,420
Tier I Capital (to Risk Weighted Assets), Ratio	0.1316	0.1368
Tier I Capital (to Average Assets), Amount	$ 215,262	$ 200,420
Tier I Capital (to Average Assets), Ratio	0.0977	0.0919

Parent Company Only Financial_3

Parent Company Only Financial Information (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other assets	$ 40,593	$ 25,941
TOTAL ASSETS	2,178,510	2,210,640
Subordinated debt	31,075	30,974
Other liabilities	16,892	16,536
Total liabilities	2,024,517	2,026,748
Total Stockholders’ Equity	153,993	183,892	$ 168,905	$ 148,453
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	2,178,510	2,210,640
Parent Company [Member]
Cash	1,129	1,864
Other assets	534	478
Investment in subsidiaries	184,451	213,717
TOTAL ASSETS	186,114	216,059
Subordinated debt	31,075	30,974
Other liabilities	1,046	1,193
Total liabilities	32,121	32,167
Total Stockholders’ Equity	153,993	183,892
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 186,114	$ 216,059

Parent Company Only Financial_4

Parent Company Only Financial Information (Condensed Statements Of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
INCOME BEFORE INCOME TAXES	$ 29,552	$ 31,926	$ 12,808
NET INCOME	22,389	24,043	11,246
COMPREHENSIVE INCOME (LOSS)	(21,218)	19,091	13,110
Parent Company [Member]
Dividends from subsidiaries	11,500	8,100	4,500
Expenses	(2,497)	(2,565)	(3,290)
INCOME BEFORE INCOME TAXES	9,003	5,535	1,210
Equity in undistributed earnings of subsidiaries	13,386	18,508	10,036
NET INCOME	$ 22,389	$ 24,043	$ 11,246

Parent Company Only Financial_5

Parent Company Only Financial Information (Condensed Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Net income	$ 22,389	$ 24,043	$ 11,246
Other assets	2,914	(8,679)	(5,745)
Other liabilities	(4,641)	2,889	(2,132)
Net cash provided by operating activities	26,407	20,512	7,787
Net cash used in investing activities	(236,575)	(22,620)	(213,391)
Proceeds from issuance of common stock	1,051	890	717
Cash dividends paid	(6,942)	(6,541)	(5,991)
Debt issuance cost of long term borrowings			(509)
Repurchase of treasury stock	(4,140)
Reissuance of treasury stock	144
Net cash (used in) provided by financing activities	(11,563)	149,289	264,351
Net (decrease) increase in cash and equivalents	(221,731)	147,181	58,747
Beginning of year	244,785	97,604	38,857
End of year	23,054	244,785	97,604
Parent Company [Member]
Net income	22,389	24,043	11,246
Undistributed earnings of subsidiaries	(13,386)	(18,508)	(10,036)
Other assets	(56)	7	(78)
Other liabilities	(147)	(30)	(48)
Other	352	361	314
Net cash provided by operating activities	9,152	5,873	1,398
Investment in subsidiaries			(15,000)
Net cash used in investing activities			(15,000)
Proceeds from issuance of common stock	1,051	890	717
Cash dividends paid	(6,942)	(6,541)	(5,991)
Proceeds from long-term borrowings			20,000
Debt issuance cost of long term borrowings			(509)
Repurchase of treasury stock	(4,140)
Reissuance of treasury stock	144
Net cash (used in) provided by financing activities	(9,887)	(5,651)	14,217
Net (decrease) increase in cash and equivalents	(735)	222	615
Beginning of year	1,864	1,642	1,027
End of year	$ 1,129	$ 1,864	$ 1,642