Evans Bancorp (EVBN) 10-Q 2 May 23 2023 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2023	Apr. 28, 2023
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Fiscal Period Focus	Q1
Document Period End Date	Mar. 31, 2023
Document Transition Report	false
Entity File Number	001-35021
Entity Registrant Name	EVANS BANCORP, INC.
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	16-1332767
Entity Address, Address Line One	6460 Main St.
Entity Address, City or Town	Williamsville
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14221
City Area Code	716
Local Phone Number	926-2000
Title of 12(b) Security	Common Stock, $0.50 par value
Trading Symbol	EVBN
Security Exchange Name	NYSEAMER
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,462,763
Amendment Flag	false
Entity Central Index Key	0000842518
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 12,272	$ 16,796
Interest-bearing deposits at banks	3,832	6,258
Securities:
Available for sale, at fair value and net of valuation allowance (amortized cost: $424,935 at March 31, 2023; $428,216 at December 31, 2022)	365,929	364,326
Held to maturity, at amortized cost and net of valuation allowance (fair value: $3,613 at March 31, 2023; $6,809 at December 31, 2022)	3,707	6,949
Federal Home Loan Bank common stock, at cost	5,364	10,437
Federal Reserve Bank common stock, at cost	3,080	3,074
Loans, net of allowance for credit losses of $21,523 at March 31, 2023 and $19,438 at December 31, 2022	1,637,053	1,652,931
Properties and equipment, net of accumulated depreciation of $11,482 at March 31, 2023 and $11,596 at December 31, 2022	16,520	16,999
Goodwill	12,702	12,702
Intangible assets	1,127	1,227
Bank-owned life insurance	42,050	41,826
Operating lease right-of-use asset	4,537	4,392
Other assets	40,097	40,593
TOTAL ASSETS	2,148,270	2,178,510
Deposits:
Demand	483,958	493,710
NOW	268,283	273,359
Savings	807,532	801,943
Time	290,141	202,667
Total deposits	1,849,914	1,771,679
Securities sold under agreement to repurchase	9,264	7,147
Other borrowings	79,637	193,001
Operating lease liability	4,856	4,723
Other liabilities	15,247	16,892
Subordinated debt	31,101	31,075
Total liabilities	1,990,019	2,024,517
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,564,449 and 5,544,339 shares issued at March 31, 2023 and December 31, 2022, respectively, and 5,462,763 and 5,437,048 shares outstanding at March 31, 2023 and December 31, 2022, respectively.	2,787	2,775
Capital surplus	81,210	81,031
Treasury stock, at cost, 101,686 and 107,291 shares at March 31, 2023 and December 31, 2022, respectively	(3,656)	(3,891)
Retained earnings	123,533	123,356
Accumulated other comprehensive income (loss), net of tax	(45,623)	(49,278)
Total stockholders' equity	158,251	153,993
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,148,270	$ 2,178,510

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities:
Available for sale, amortized cost	$ 424,935	$ 428,216
Held to maturity, fair value	3,613	6,809
Loans, allowance for loan losses	21,523	19,438
Properties and equipment, accumulated depreciation	$ 11,482	$ 11,596
STOCKHOLDERS' EQUITY:
Common stock, par value	$ 0.50	$ 0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	5,564,449	5,544,339
Common stock, shares outstanding	5,462,763	5,437,048
Treasury stock, shares	101,686	107,291

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
INTEREST INCOME
Loans	$ 20,886	$ 15,724
Interest-bearing deposits at banks	96	70
Securities:
Taxable	2,294	1,677
Non-taxable	89	46
Total interest income	23,365	17,517
INTEREST EXPENSE
Deposits	4,015	568
Other borrowings	1,499	47
Subordinated debt	526	401
Total interest expense	6,040	1,016
NET INTEREST INCOME	17,325	16,501
PROVISION FOR CREDIT LOSSES	(654)	221
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	17,979	16,280
NON-INTEREST INCOME
Deposit service charges	613	692
Insurance service and fees	2,429	2,299
Bank-owned life insurance	224	154
Interchange fee income	493	492
Other	354	794
Total non-interest income	4,113	4,431
NON-INTEREST EXPENSE
Salaries and employee benefits	9,413	9,470
Occupancy	1,173	1,180
Advertising and public relations	156	179
Professional services	883	872
Technology and communications	1,356	1,174
Amortization of intangibles	100	100
FDIC insurance	350	270
Other	1,071	1,215
Total non-interest expense	14,502	14,460
INCOME BEFORE INCOME TAXES	7,590	6,251
INCOME TAX PROVISION	1,790	1,503
NET INCOME	$ 5,800	$ 4,748
Net income per common share-basic	$ 1.07	$ 0.86
Net income per common share-diluted	$ 1.06	$ 0.86
Weighted average number of common shares outstanding	5,444,352	5,494,782
Weighted average number of diluted shares outstanding	5,475,790	5,547,548

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements Of Comprehensive (Loss) Income [Abstract]
NET INCOME	$ 5,800	$ 4,748
OTHER COMPREHENSIVE INCOME (LOSS) , NET OF TAX:
Unrealized gain (loss) on available-for-sale securities:	3,635	(16,705)
Defined benefit pension plans:
Amortization of prior service cost		5
Amortization of actuarial loss	20	50
Total	20	55
OTHER COMPREHENSIVE INCOME (LOSS) , NET OF TAX:	3,655	(16,650)
COMPREHENSIVE INCOME (LOSS)	$ 9,455	$ (11,902)

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders’ Equity - USD ($) $ in Thousands	Common Stock [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Common Stock [Member]	Capital Surplus [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Capital Surplus [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Treasury Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Total
Balance at Dec. 31, 2021		$ 2,744		$ 78,795			$ 108,024		$ (5,671)					$ 183,892
Net income							4,748							4,748
Other comprehensive income (loss)									(16,650)					(16,650)
Cash dividends							(3,406)							(3,406)
Stock compensation expense				333										333
Issued restricted shares, net of forfeitures		9		(9)
Issued shares in stock option exercises		9		277										286,000
Balance at Mar. 31, 2022		2,762		79,396			109,366		(22,321)					169,203
Balance (ASU 2016-13 [Member]) at Dec. 31, 2022	$ 2,775		$ 81,031		$ (2,026)	$ 121,330		$ (49,278)		$ (3,891)		$ (2,026)	$ 151,967
Balance at Dec. 31, 2022		2,775		81,031			123,356		(49,278)		$ (3,891)			153,993
Net income							5,800							5,800
Other comprehensive income (loss)									3,655					3,655
Cash dividends							(3,597)							(3,597)
Stock compensation expense				306										306
Reissued restricted shares				(235)							235
Issued restricted shares, net of forfeitures		6		(6)
Issued shares in stock option exercises		6		114										120
Balance at Mar. 31, 2023		$ 2,787		$ 81,210			$ 123,533		$ (45,623)		$ (3,656)			$ 158,251

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 0.66	$ 0.62
Reissued restricted shares	6,228
Issued restricted shares, net of forfeitures	12,671	18,244
Issued shares in stock option exercises	12,421	18,831

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
OPERATING ACTIVITIES:
Interest received	$ 23,428	$ 17,088
Fees received	5,640	5,142
Interest paid	(5,409)	(1,094)
Cash paid to employees and vendors	(18,409)	(18,781)
Income taxes paid	(4,967)	(1,200)
Proceeds from sale of loans held for sale	4,828	2,957
Originations of loans held for sale	(4,800)	(2,815)
Net cash provided by operating activities	311	1,297
Available For Sales Securities:
Purchases		(109,990)
Proceeds from sales, maturities, calls, and payments	8,400	7,726
Held to maturity securities:
Purchases	(309)	(412)
Proceeds from maturities, calls, and payments	3,551	560
Additions to properties and equipment	(364)	(226)
Proceeds from sales of assets	370
Net decrease (increase) in loans	13,898	(31,622)
Net cash used in investing activities	25,546	(133,964)
FINANCING ACTIVITIES:
Repayments from long-term borrowings, net	(8,685)	(5,888)
(Repayments) proceeds from short-term borrowings, net	(102,484)	2,364
Net increase in deposits	78,242	49,795
Issuance of common stock	120	286
Net cash (used in) provided by financing activities	(32,807)	46,557
Net (decrease) increase in cash and cash equivalents	(6,950)	(86,110)
CASH AND CASH EQUIVALENTS:
Beginning of period	23,054	244,785
End of period	16,104	158,675
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	5,800	4,748
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	387	497
Deferred tax expense	252	262
Provision for credit losses	(654)	221
Loss on sales of assets	31
Gain on loans sold	(26)	(43)
Stock compensation expense	306	333
Proceeds from sale of loans held for sale	4,828	2,957
Originations of loans held for sale	(4,800)	(2,815)
Changes in assets and liabilities affecting cash flow:
Other assets	(7,199)	303
Other liabilities	1,386	(5,166)
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 311	$ 1,297

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2023
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), and Evans National Holding Corp. (“ENHC”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiary ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates. Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.” The Financial Accounting Standards Board (“FASB”) establishes changes to GAAP in the form of accounting standards updates (“ASUs”) to the FASB Accounting Standards Codification. The Company considers the applicability and impact of all ASUs when they are issued by FASB. Effective January 1, 2023 the Company adopted ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments which requires an allowance for credit losses be deducted from the amortized cost basis of financial assets to present the net carrying value at the amount that is expected to be collected over the contractual term of the asset considering relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. In estimating expected losses in the loan portfolio, borrower-specific financial data and macro-economic assumptions are utilized to project losses over a reasonable and supportable forecast period. Assumptions and judgment are applied to measure amounts and timing of expected future cash flows, collateral values and other factors used to determine the borrowers’ abilities to repay obligations. Subsequent to the forecast period, the Company utilizes longer-term historical loss experience to estimate losses over the remaining contractual life of the loans. See Note 3 – “Loans and the Allowance for Credit Losses” to this Quarterly Report on Form 10-Q for the accounting policy for determining the Allowance for Credit Losses. Prior to January 1, 2023, the allowance for credit losses represented the amount that in management’s judgment reflected incurred credit losses inherent in the loan and lease portfolio as of the balance sheet date. Based on portfolio composition, then current economic conditions, and reasonable and supportable forecasts of future conditions, the Company recognized an increase to the allowance for credit losses of $ 2.7 million upon adoption of the standard as of January 1, 2023 as compared with the allowance for credit losses recognized on its consolidated balance sheet at December 31, 2022. The $ 2.7 million increase was recognized as a net of tax cumulative effect adjustment to retained earnings of $ 2.0 million. All other ASUs adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The results of operations for the three month period ended March 31, 2023 are not necessarily indicative of the results to be expected for the full year. The accompanying unaudited consolidated financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2022 (the “10-K”). Except for the changes to the measurement of credit losses to financial instruments disclosed above, there have been no significant changes to the Company’s significant accounting policies as disclosed in Note 1 to the 10-K.

Securities

Securities	3 Months Ended
	Mar. 31, 2023
Securities [Abstract]
Securities	2. SECURITIES The amortized cost of securities and their approximate fair value at March 31, 2023 and December 31, 2022 were as follows: March 31, 2023 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 165,479 $ - $ ( 22,417 ) $ 143,062 States and political subdivisions 23,452 2 ( 1,286 ) 22,168 Total debt securities 188,931 2 ( 23,703 ) 165,230 Mortgage-backed securities: FNMA $ 75,087 $ 1 $ ( 11,677 ) $ 63,411 FHLMC 46,435 - ( 6,042 ) 40,393 GNMA 39,740 - ( 6,698 ) 33,042 SBA 21,905 - ( 2,099 ) 19,806 CMO 52,837 - ( 8,790 ) 44,047 Total mortgage-backed securities $ 236,004 $ 1 $ ( 35,306 ) $ 200,699 Total securities designated as available for sale $ 424,935 $ 3 $ ( 59,009 ) $ 365,929 Held to Maturity: Debt securities States and political subdivisions $ 3,707 $ - $ ( 94 ) $ 3,613 Total securities designated as held to maturity $ 3,707 $ - $ ( 94 ) $ 3,613 December 31, 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 Available for sale securities with a total fair value of $ 290 million and $ 226 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at March 31, 2023 and December 31, 2022, respectively. The scheduled maturities of debt and mortgage-backed securities at March 31, 2023 are summarized below. All maturity amounts are contractual maturities. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations with or without call premiums. March 31, 2023 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 6,846 $ 6,806 Due after one year through five years 91,456 85,576 Due after five years through ten years 61,639 52,446 Due after ten years 28,990 20,402 $ 188,931 $ 165,230 Mortgage-backed securities available for sale $ 236,004 $ 200,699 Total $ 424,935 $ 365,929 Debt securities held to maturity: Due in one year or less $ 2,900 $ 2,887 Due after one year through five years 395 370 Due after five years through ten years 412 356 Due after ten years - - Total $ 3,707 $ 3,613 Contractual maturities of the Company’s mortgage-backed securities generally exceed ten years ; however, the effective lives may be significantly shorter due to prepayments of the underlying loans and due to the nature of these securities. There were no gross realized gains or losses from sales of investment securities for the three month periods ended March 31, 2023 or 2022. As described in note 1, on January 1, 2023 the Company adopted amended accounting guidance that requires an allowance for credit losses be deducted from the amortized cost basis of financial assets, including investment securities held to maturity, to present the net carrying value at the amount that is expected to be collected over the contractual term of the asset. The Company estimated no allowance for credit losses for its investment securities classified as held-to-maturity at January 1, 2023 or March 31, 2023, as the portfolio of held-to-maturity securities consists entirely of states and political subdivisions investments. Management has assessed the securities available for sale in an unrealized loss position at March 31, 2023 and December 31, 2022 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 no t hold any trust-preferred securities. The Company did no t record any other-than-temporary impairment charges during the three month periods ended March 31, 2023 and 2022. 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. Information regarding unrealized losses within the Company’s available for sale securities at March 31, 2023 and December 31, 2022 is summarized below. March 31, 2023 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 11,835 $ ( 165 ) $ 130,227 $ ( 22,252 ) $ 142,062 $ ( 22,417 ) States and political subdivisions 1,589 ( 60 ) 18,717 ( 1,226 ) 20,306 ( 1,286 ) Total debt securities 13,424 ( 225 ) 148,944 ( 23,478 ) 162,368 ( 23,703 ) Mortgage-backed securities: FNMA $ 630 $ ( 22 ) $ 62,722 $ ( 11,655 ) $ 63,352 $ ( 11,677 ) FHLMC 7,838 ( 251 ) 32,511 ( 5,791 ) 40,349 ( 6,042 ) GNMA 6,005 ( 290 ) 27,037 ( 6,408 ) 33,042 ( 6,698 ) SBA - - 19,806 ( 2,099 ) 19,806 ( 2,099 ) CMO 6,954 ( 149 ) 37,093 ( 8,641 ) 44,047 ( 8,790 ) Total mortgage-backed securities $ 21,427 $ ( 712 ) $ 179,169 $ ( 34,594 ) $ 200,596 $ ( 35,306 ) Held to Maturity: Debt securities: States and political subdivisions $ 2,887 $ ( 13 ) $ 726 $ ( 81 ) $ 3,613 $ ( 94 ) Total temporarily impaired securities $ 37,738 $ ( 950 ) $ 328,839 $ ( 58,153 ) $ 366,577 $ ( 59,103 ) December 31, 2022 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 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 )

Loans And The Allowance For Cre

Loans And The Allowance For Credit Losses	3 Months Ended
	Mar. 31, 2023
Loans And The Allowance For Credit Losses [Abstract]
Loans And The Allowance For Credit Losses	3. LOANS AND THE ALLOWANCE FOR CREDIT LOSSES Loan Portfolio Composition The following table presents selected information on the composition of the Company’s loan portfolio as of the dates indicated: March 31, 2023 December 31, 2022 Mortgage loans on real estate: (in thousands) Residential mortgages $ 437,416 $ 440,123 Commercial and multi-family 772,061 778,714 Construction-Residential 3,472 3,626 Construction-Commercial 123,878 117,403 Home equities 80,673 82,414 Total real estate loans 1,417,500 1,422,280 Commercial and industrial loans 241,041 250,069 Consumer and other loans 604 572 Unaccreted yield adjustments* ( 569 ) ( 552 ) Total gross loans 1,658,576 1,672,369 Allowance for credit losses ( 21,523 ) ( 19,438 ) Loans, net $ 1,637,053 $ 1,652,931 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated. The outstanding principal balance and the carrying amount of acquired credit-impaired loans totaled $ 0.8 million and $ 0.7 million at March 31, 2023 and December 31, 2022. There were no valuation allowances for specifically identified impairment attributable to acquired credit-impaired loans at March 31, 2023 or December 31, 2022. The Company is not recording interest on the acquired credit-impaired loans due to the uncertainty of the cash flows relating to such loans. There were $ 607 million and $ 495 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of March 31, 2023 and December 31, 2022, respectively. At March 31, 2023, the Company’s FHLMC loan servicing portfolio had $ 58 million in principal balances of residential real estate loans that were sold to FHLMC and the servicing rights are retained by the Company. No loans were sold to FHLMC by the Company during the three month periods ending March 31, 2023 and 2022. The Company may also sell certain fixed rate residential mortgages to FNMA while maintaining the servicing rights for those mortgages. At March 31, 2023, the Company’s FNMA loan servicing portfolio was $ 57 million in principal balances. In the three month period ended March 31, 2023, the Company sold $ 1.3 million residential mortgages to FNMA. The Company did no t sell any mortgages to FNMA in the three month period ended March 31, 2022. At March 31, 2023 and December 31, 2022, the Company had loan servicing portfolio principal balances of $ 115 million and $ 116 million, respectively, upon which it earned servicing fees. The fair value of the mortgage servicing rights for that portfolio was $ 1.1 million at March 31, 2023 and December 31, 2022. There were no residential mortgages held for sale at March 31, 2023 and December 31, 2022. Credit Quality Indicators The Company monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for the commercial mortgage and commercial and industrial portfolios is the individual loan’s credit risk rating. The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan losses:  Acceptable or better  Watch  Special Mention  Substandard  Doubtful  Loss “Special mention” and “substandard” loans are weaker credits with a higher risk of loss and are categorized as “criticized” assets. The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Unlike commercial customers, consumer loan customers are not required to provide the Company with updated financial information. Consumer loans also carry smaller balances. Given the lack of updated information after the initial underwriting of the loan and small size of individual loans, the Company uses delinquency status as the primary credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. The following tables summarize amortized cost of loans by year of origination and internally assigned credit grades: (in thousands) Term Loans Amortized Cost Basis by Origination Year As of March 31, 2023 Three months ended March 31, 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial loans Risk rating Pass $ 2,555 $ 43,132 $ 24,725 $ 12,475 $ 10,580 $ 10,162 $ 103,071 $ 206,700 Special Mention - 9,062 447 4,503 1,329 1,417 6,903 23,661 Substandard - 71 4,036 152 1,715 1,380 3,338 10,692 Doubtful/Loss - - - - - - - - Total $ 2,555 $ 52,265 $ 29,208 $ 17,130 $ 13,624 $ 12,959 $ 113,312 $ 241,053 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate mortgages Risk rating Pass $ 10,003 $ 201,796 $ 184,437 $ 92,391 $ 70,404 $ 275,966 $ 6,163 $ 841,160 Special Mention - 1,262 410 6,178 10,250 6,987 - 25,087 Substandard - - 5,499 336 7,741 17,241 - 30,817 Doubtful/Loss - - - - - - - - Total $ 10,003 $ 203,058 $ 190,346 $ 98,905 $ 88,395 $ 300,194 $ 6,163 $ 897,064 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Consumer and other Payment performance Performing $ 86 $ 249 $ 37 $ 26 $ 23 $ 40 $ 135 $ 596 Nonperforming - - - - - - - - Total $ 86 $ 249 $ 37 $ 26 $ 23 $ 40 $ 135 $ 596 Current period gross writeoffs $ 15 $ 15 $ - $ - $ - $ - $ - $ 30 Residential mortgages Payment performance Performing $ 6,251 $ 74,388 $ 105,951 $ 73,201 $ 18,829 $ 158,100 $ - $ 436,720 Nonperforming - 147 169 57 167 3,331 - 3,871 Total $ 6,251 $ 74,535 $ 106,120 $ 73,258 $ 18,996 $ 161,431 $ - $ 440,591 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Home equities Payment performance Performing $ 2,947 $ 3,342 $ 699 $ 690 $ 709 $ 2,399 $ 68,039 $ 78,825 Nonperforming - - - - - 4 443 447 Total $ 2,947 $ 3,342 $ 699 $ 690 $ 709 $ 2,403 $ 68,482 $ 79,272 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - The amortized cost of criticized assets of $ 93 million included $ 29 million of loans in the Company’s hotel loan portfolio at March 31, 2023 and December 31, 2022. Past Due Loans The following tables provide an analysis of the age of the amortized cost of loans that are past due as of the dates indicated: March 31, 2023 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 236,523 $ 2,010 $ - $ - $ 2,520 $ 241,053 Residential real estate: Residential 428,354 4,663 233 - 3,871 437,121 Construction 3,305 165 - - - 3,470 Commercial real estate: Commercial 758,478 599 6,628 565 6,561 772,831 Construction 108,061 5,958 - 1,648 8,566 124,233 Home equities 78,189 595 41 - 447 79,272 Consumer and other 592 4 - - - 596 Total Loans $ 1,613,502 $ 13,994 $ 6,902 $ 2,213 $ 21,965 $ 1,658,576 December 31, 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 246,412 $ 235 $ 684 $ 139 $ 2,625 $ 250,095 Residential real estate: Residential 434,393 1,105 - 472 3,738 439,708 Construction 3,502 - - - - 3,502 Commercial real estate: Commercial 771,871 1,083 - 75 6,648 779,677 Construction 107,369 - - 1,648 8,765 117,782 Home equities 79,320 759 206 100 563 80,948 Consumer and other 652 3 1 1 - 657 Total Loans $ 1,643,519 $ 3,185 $ 891 $ 2,435 $ 22,339 $ 1,672,369 Allowance for credit losses Effective January 1, 2023 the Company adopted ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments which requires an allowance for credit losses be deducted from the amortized cost basis of financial assets to present the net carrying value at the amount that is expected to be collected over the contractual term of the asset. In determining the allowance for credit losses, accruing loans with similar risk characteristics are generally evaluated collectively. The Company utilizes discounted cash flow models considering relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount to project principal balances over the remaining contractual lives of the loan portfolios and to determine estimated credit losses through a reasonable and supportable forecast period. The models have been statistically developed based on historical correlations of credit losses with prevailing economic metrics, including unemployment and gross domestic product. The Company utilizes a reasonable and supportable forecast period of one year. Subsequent to this forecast period the Company reverts, on a straight-line basis over a one-year period, to historical loss experience to inform its estimate of losses for the remaining contractual life of each portfolio. Model forecasts may be adjusted for inherent limitations or biases that have been identified through independent validation and back-testing of model performance to actual realized results. The Company also considered the impact of qualitative factors, including portfolio concentrations, changes in underwriting practices, imprecision in its economic forecasts, geopolitical conditions and other risk factors that might influence its loss estimation process. The Company also estimates losses attributable to specific troubled credits identified through both normal and targeted credit review processes and includes all loans on nonaccrual status. The amounts of specific losses are determined through a loan-by-loan analysis. Such loss estimates are typically based on expected future cash flows, collateral values and other factors that may impact the borrower’s ability to pay. To the extent that those loans are collateral-dependent, they are evaluated based on recent estimations of the fair value of the loan’s collateral. In those cases where current appraisals may not yet be available, prior appraisals are utilized with adjustments, as deemed necessary, for estimates of subsequent declines in values as determined by line of business and/or loan workout personnel. Those adjustments are reviewed and assessed for reasonableness by the Company’s credit risk personnel. Accordingly, for real estate collateral securing larger nonaccrual commercial loans and commercial real estate loans, estimated collateral values are based on current appraisals and estimates of value. For non-real estate loans, collateral is assigned a discounted estimated liquidation value and, depending on the nature of the collateral, is verified through field exams or other procedures. In assessing collateral, real estate and non-real estate values are reduced by an estimate of selling costs. Charge-offs are based on recent indications of value from external parties that are generally obtained shortly after a loan becomes nonaccrual. Loans to consumers that file for bankruptcy are generally charged-off to estimated net collateral value shortly after the Company is notified of such filings. When evaluating individual home equity loans and lines of credit for charge off and for purposes of estimating losses in determining the allowance for credit losses, the Company gives consideration to the required repayment of any first lien positions related to collateral property. Prior to 2023, the allowance for credit losses represented the amount that in management’s judgment reflected incurred credit losses inherent in the loan and lease portfolio as of the balance sheet date. A description of the methodologies used by the Company to estimate its allowance for credit losses prior to January 1, 2023 is included in note 4 of Notes to Financial Statements in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022. The following table presents the activity in the allowance for credit losses according to portfolio segment for the three month period ended March 31, 2023. Three months ended March 31, 2023 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit losses: Beginning balance $ 4,980 $ 11,595 $ 153 $ 2,102 $ 608 $ 19,438 Adoption of new accounting standard 324 1,145 ( 147 ) 1,618 ( 205 ) 2,735 Beginning balance after cumulative effect adjustment $ 5,304 $ 12,740 $ 6 $ 3,720 $ 403 $ 22,173 Charge-offs - - ( 30 ) - - ( 30 ) Recoveries 30 - 4 - - 34 Provision ( 67 ) ( 186 ) 24 ( 342 ) ( 83 ) ( 654 ) Ending balance $ 5,267 $ 12,554 $ 4 $ 3,378 $ 320 $ 21,523 *Includes construction loans Prior to the adoption of ASU 2016-13 on January 1, 2023, the Company calculated the allowance for loan losses using the incurred loss methodology. The following table presents the activity in the allowance for loan losses by segment for the three month period ended March 31, 2022. Three months ended March 31, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit losses: Beginning balance $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Charge-offs ( 24 ) - ( 40 ) - - ( 64 ) Recoveries 17 - 6 - - 23 Provision 386 ( 88 ) 24 ( 10 ) ( 91 ) 221 Ending balance $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 * Includes construction loans The following tables present the allowance for credit losses and recorded investment on loans by segment as of March 31, 2023 and December 31, 2022. Three months ended March 31, 2023 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit losses: Ending balance: Individually evaluated for impairment - 212 - 35 29 276 Collectively evaluated for impairment 5,267 12,342 4 3,343 291 21,247 Total $ 5,267 $ 12,554 $ 4 $ 3,378 $ 320 $ 21,523 Loans: Ending balance: Individually evaluated for impairment 2,582 17,869 - 4,244 826 25,521 Collectively evaluated for impairment 238,459 878,070 604 436,644 79,847 1,633,624 Total $ 241,041 $ 895,939 $ 604 $ 440,888 $ 80,673 $ 1,659,145 December 31, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit 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 The Company’s reserve for off-balance sheet credit exposures was not material at March 31, 2023 and upon adoption of ASU 2016-13, F inancial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments . Nonaccrual Loans The following tables provide amortized costs, at the class level, for nonaccrual loans as of the dates indicated: Three Months Ended March 31, 2023 January 1, 2023 March 31, 2023 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ - $ 2,520 $ 2,520 $ 2,625 $ - Residential real estate: Residential 151 3,720 3,871 3,738 8 Construction - - - - - Commercial real estate: Commercial - 6,561 6,561 6,648 - Construction 1,301 7,265 8,566 8,765 - Home equities 29 418 447 563 - Consumer and other - - - - - Total nonaccrual loans $ 1,481 $ 20,484 $ 21,965 $ 22,339 $ 8 Three Months Ended March 31, 2022 January 1, 2022 March 31, 2022 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ 93 $ 4,619 $ 4,712 $ 4,919 $ 2 Residential real estate: Residential 303 3,114 3,417 3,020 4 Construction - - - - - Commercial real estate: Commercial 171 6,010 6,181 5,758 70 Construction 1,536 836 2,372 2,942 - Home equities 108 529 637 755 5 Consumer and other - - - - - Total nonaccrual loans $ 2,211 $ 15,108 $ 17,319 $ 17,394 $ 81 Modifications to Borrowers Experiencing Financial Difficulty The Company adopted Accounting Standards Update (“ASU”) 2022-02, Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings and Vintage Disclosures (“ASU 2022-02”) effective January 1, 2023. The amendments in ASU 2022-02 eliminated the recognition and measure of troubled debt restructurings and enhanced disclosures for loan modifications to borrowers experiencing financial difficulty. The table below details the amortized cost of gross loans held for investment made to borrowers experiencing financial difficulty that were modified during the three months ended March 31, 2023: (in thousands) Term Extension Total Class of Receivable Commercial and industrial $ - - % Residential real estate: Residential 104 0 Construction - - Commercial real estate: Commercial - - Construction - - Home equities - - Consumer and other - - - Total nonaccrual loans $ 104 0 % The financial impacts of residential mortgage loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2023 were maturity extensions ranging from 159 months to 164 months. The Company has no t committed to lend any additional amounts to the borrowers included in the previous table. As of March 31, 2023, the Company did not have any loans made to borrowers experiencing financial difficulty that were modified during the first quarter of 2023 that subsequently defaulted. Payment default is defined as movement to nonperforming status, foreclosure or charge-off, whichever occurs first. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The payment status of all loans modified to borrowers experiencing financial difficulties during the first quarter of 2023 was current as of March 31, 2023. Troubled debt restructurings Information on loan modifications prior to the adoption of ASU 2022-02 on January 1, 2023 is presented in accordance with the applicable accounting standards in effect at that time. During the three months ended March 31, 2022, the Company modified only one loan that was determined to be a troubled debt restructuring, a Home Equity loan with an outstanding balance of $ 38 thousand that included extension of maturity and interest rate reduction concessions.

Common Equity And Earnings Per

Common Equity And Earnings Per Share Data	3 Months Ended
	Mar. 31, 2023
Common Equity And Earnings Per Share Data [Abstract]
Common Equity And Earnings Per Share Data	4. COMMON EQUITY AND EARNINGS PER SHARE DATA The common stock per share information is based upon the weighted average number of shares outstanding during each period. For the three month period ended March 31, 2023 and 2022, the Company had an average of 31,438 and 52,766 dilutive shares outstanding, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and not included in calculating diluted earnings per share. For the three month period ended March 31, 2023 and 2022 there was an average of 53,910 and 21,560 potentially anti-dilutive shares outstanding, respectively, that were not included in calculating diluted earnings per share because their effect was anti-dilutive.

Other Comprehensive Income

Other Comprehensive Income	3 Months Ended
	Mar. 31, 2023
Other Comprehensive Income [Abstract]
Other Comprehensive Income	5. OTHER COMPREHENSIVE INCOME The following tables summarize the changes in the components of accumulated other comprehensive income during the three month period ended March 31, 2023 and 2022: Balance at December 31, 2022 Net Change Balance at March 31, 2023 (in thousands) Net unrealized (loss) gain on investment securities $ ( 47,348 ) $ 3,635 $ ( 43,713 ) Net defined benefit pension plan adjustments ( 1,930 ) 20 ( 1,910 ) Total $ ( 49,278 ) $ 3,655 $ ( 45,623 ) Balance at December 31, 2021 Net Change Balance at March 31, 2022 (in thousands) Net unrealized gain (loss) on investment securities $ ( 3,160 ) $ ( 16,705 ) $ ( 19,865 ) Net defined benefit pension plan adjustments ( 2,511 ) 55 ( 2,456 ) Total $ ( 5,671 ) $ ( 16,650 ) $ ( 22,321 ) Three months ended March 31, 2023 Three months ended March 31, 2022 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized gain (loss) on investment securities: Unrealized gain (loss) on investment securities $ 4,884 $ ( 1,249 ) $ 3,635 $ ( 22,537 ) $ 5,832 $ ( 16,705 ) Defined benefit pension plan adjustments: Amortization of prior service cost - - - 8 ( 3 ) 5 Amortization of actuarial loss 27 ( 7 ) 20 68 ( 18 ) 50 Net change 27 ( 7 ) 20 76 ( 21 ) 55 Other comprehensive income (loss) $ 4,911 $ ( 1,256 ) $ 3,655 $ ( 22,461 ) $ 5,811 $ ( 16,650 )

Net Periodic Benefit Costs

Net Periodic Benefit Costs	3 Months Ended
	Mar. 31, 2023
Net Periodic Benefit Costs [Abstract]
Net Periodic Benefit Costs	6. NET PERIODIC BENEFIT COSTS On January 31, 2008, the Bank froze its defined benefit pension plan. The plan covered substantially all Bank employees. The plan provides benefits that are based on the employees’ compensation and years of service. Under the freeze, eligible employees will receive, at retirement, the benefits already earned through January 31, 2008, but have not accrued any additional benefits since then. As a result, service cost is no longer incurred. The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank used recognized the prior service cost and net gains or losses over the average remaining service period of active employees. The Bank also maintains a nonqualified supplemental executive retirement plan covering certain members of the Company’s senior management. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the net gains or losses over the average remaining service period of active employees. The following table presents the net periodic cost for the Bank’s defined benefit pension plan and supplemental executive retirement plan for the three month period ended March 31, 2023 and 2022: Three months ended March 31, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2023 2022 2023 2022 Service cost $ - $ - $ 36 $ 33 Interest cost 62 44 62 31 Expected return on plan assets ( 67 ) ( 88 ) - - Amortization of prior service cost - - - 8 Amortization of the net loss 27 24 - 44 Net periodic (benefit) cost $ 22 $ ( 20 ) $ 98 $ 116 The components of net periodic benefit cost other than the service cost component are included in the line item “other expense” in the income statement.

Revenue Recognition Of Non-Inte

Revenue Recognition Of Non-Interest Income	3 Months Ended
	Mar. 31, 2023
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition Of Non-Interest Income	7. REVENUE RECOGNITION OF NON-INTEREST INCOME A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:   TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits solutions to commercial customers.  TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.  TEA also earns contingent profit sharing revenue. 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.   A disaggregation of the total insurance service and other fees for the three months ended March 31, 2023 and 2022 is provided in the tables below: Three months ended March 31, 2023 2022 (in thousands) Commercial property and casualty insurance commissions $ 889 $ 788 Personal property and casualty insurance commissions 739 723 Employee benefits sales commissions 194 234 Profit sharing and contingent revenue 427 370 Wealth management and other financial services 127 141 Other insurance-related revenue 53 43 Total insurance service and other fees $ 2,429 $ 2,299

Fair Value Measurement

Fair Value Measurement	3 Months Ended
	Mar. 31, 2023
Fair Value Measurement [Abstract]
Fair Value Measurement	8. FAIR VALUE MEASUREMENT Fair value is defined in ASC Topic 820 “Fair Value Measurement” as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. There are three levels of inputs to fair value measurement:  Level 1 inputs are quoted prices for identical instruments in active markets;  Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and  Level 3 inputs are unobservable inputs. Observable market data should be used when available. FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A RECURRING BASIS The following table presents, for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a recurring basis as of March 31, 2023 and December 31, 2022, respectively: (in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2023 Securities available-for-sale: US treasuries and government agencies $ - $ 143,062 $ - $ 143,062 States and political subdivisions - 22,168 - 22,168 Mortgage-backed securities - 200,699 - 200,699 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 Securities available for sale Fair values for available for sale securities are determined using independent pricing services and market-participating brokers. The Company utilizes a third-party for these pricing services. The third-party utilizes evaluated pricing models that vary by asset class and incorporate available trade, bid and other market information for structured securities, cash flow and, when available, loan performance data. Because many fixed income securities do not trade on a daily basis, the third-party service provider’s evaluated pricing applications apply information as applicable through processes, such as benchmarking of like securities, sector groupings, and matrix pricing, to prepare evaluations. In addition, our third-party pricing service provider uses model processes, such as the Option Adjusted Spread model, to assess interest rate impact and develop prepayment scenarios. The models and the process take into account market convention. For each asset class, a team of evaluators gathers information from market sources and integrates relevant credit information, perceived market movements and sector news into the evaluated pricing applications and models. The third-party, at times, may determine that it does not have sufficient verifiable information to value a particular security. In these cases the Company will utilize valuations from another pricing service. On a quarterly basis the Company reviews changes, as submitted by our third-party pricing service provider, in the market value of its securities portfolio. Individual changes in valuations are reviewed for consistency with general interest rate movements and any known credit concerns for specific securities. Additionally, on a quarterly basis the Company has its entire securities portfolio priced by a second pricing service to determine consistency with another market evaluator. If, on the Company’s review or in comparing with another servicer, a material difference between pricing evaluations were to exist, the Company may submit an inquiry to our third-party pricing service provider regarding the data used to value a particular security. If the Company determines it has market information that would support a different valuation than our third-party service provider’s evaluation it can submit a challenge for a change to that security’s valuation. Securities available for sale are classified as Level 2 in the fair value hierarchy as the valuation provided by the third-party provider uses observable market data. ASSETS AND LIABILITIES MEASURED AT FAIR VALUE ON A NONRECURRING BASIS The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets using fair value measurements. The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a nonrecurring basis March 31, 2023 and December 31, 2022: (in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2023 Collateral dependent impaired loans $ - $ - $ 1,200 $ 1,200 December 31, 2022 Collateral dependent impaired loans $ - $ - $ 1,170 $ 1,170 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 credit loss of $ 0.3 million, at March 31, 2023 compared with $ 1.5 million and $ 0.4 million, respectively, at December 31, 2022. The table below depicts the estimated fair values of the Company’s financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis. March 31, 2023 December 31, 2022 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 16,104 $ 16,104 $ 23,054 $ 23,054 Level 2: Available for sale securities 365,929 365,929 364,326 364,326 FHLB and FRB stock 8,444 N/A 13,511 N/A Level 3: Held to maturity securities 3,707 3,613 6,949 6,809 Loans, net 1,637,053 1,565,824 1,652,931 1,564,641 Financial liabilities: Level 1: Demand deposits $ 483,958 $ 483,958 $ 493,710 $ 493,710 NOW deposits 268,283 268,283 273,359 273,359 Savings deposits 807,532 807,532 801,943 801,943 Level 2: Securities sold under agreement to repurchase 9,264 9,264 7,147 7,147 Other borrowed funds 79,637 79,293 193,001 192,443 Subordinated debt 31,101 30,035 31,075 30,263 Level 3: Time deposits 290,141 286,883 202,667 199,910

Segment Information

Segment Information	3 Months Ended
	Mar. 31, 2023
Segment Information [Abstract]
Segment Information	9. SEGMENT INFORMATION The Company comprises two primary business segments, banking and insurance agency activities. The following tables set forth information regarding these segments for the three month period ended March 31, 2023 and 2022. Three months ended March 31, 2023 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 17,325 $ - $ 17,325 Provision for credit losses ( 654 ) - ( 654 ) Net interest income after provision for credit losses 17,979 - 17,979 Insurance service and fees 123 2,306 2,429 Other non-interest income 1,684 - 1,684 Amortization expense 5 95 100 Other non-interest expense 12,557 1,845 14,402 Income before income taxes 7,224 366 7,590 Income tax provision 1,707 83 1,790 Net income $ 5,517 $ 283 $ 5,800 Three months ended March 31, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 16,501 $ - $ 16,501 Provision for credit losses 221 - 221 Net interest income after provision for credit losses 16,280 - 16,280 Insurance service and fees 139 2,160 2,299 Other non-interest income 2,132 - 2,132 Amortization expense 5 95 100 Other non-interest expense 12,502 1,858 14,360 Income before income taxes 6,044 207 6,251 Income tax provision 1,449 54 1,503 Net income $ 4,595 $ 153 $ 4,748

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	3 Months Ended
	Mar. 31, 2023
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	10. CONTINGENT LIABILITIES AND COMMITMENTS The unaudited consolidated financial statements do not reflect various commitments and contingent liabilities, which arise in the normal course of business, and which involve elements of credit risk, interest rate risk and liquidity risk. These commitments and contingent liabilities consist of commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities is as follows: March 31, December 31, 2023 2022 (in thousands) Commitments to extend credit $ 422,843 $ 376,167 Standby letters of credit 3,027 3,673 Total $ 425,870 $ 379,840 Commitments to extend credit and standby letters of credit include some exposure to credit loss in the event of nonperformance by the customer. The Bank’s credit policies and procedures for credit commitments and financial guarantees are the same as those for extensions of credit that are recorded on the Company’s unaudited consolidated balance sheets. Because these instruments have fixed maturity dates, and because they may expire without being drawn upon, they do not necessarily represent cash requirements of the Bank. The Bank did no t incur any losses on its commitments and did no t record a reserve for its commitments during the first three months of 2023 or during 2022. Certain lending commitments for construction residential mortgage loans are considered derivative instruments under the guidelines of GAAP. The changes in the fair value of these commitments, due to interest rate risk, are not recorded on the consolidated balance sheets as the fair value of these derivatives is not considered to be material.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2023
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	11. RECENT ACCOUNTING PRONOUNCEMENTS 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. Effective January 1, 2023 the Company adopted both ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses of Financial Instruments and ASU 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures. Excluding those ASUs, the Company did not adopt any accounting pronouncements during its current fiscal year that had a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. There have been no accounting standards that have been recently issued but not yet required to be adopted as of March 31, 2023 that management expects will have a material impact on the Company’s financial condition, results of operations, cash flows or disclosures. ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments – The Company adopted this ASU (commonly known as the Current Expected Credit Loss Impairment Model, or CECL) effective January 1, 2023. The main objective of this ASU 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. See Note 3 – “Loans and the Allowance for Credit Losses” to this Quarterly Report on Form 10-Q for further details regarding the Company’s accounting policy for determining the Allowance for Credit Losses under this new accounting standard. Upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments, the Company recognized a $ 2.7 million increase in the allowance for credit losses as of January 1, 2023 with a net of tax cumulative effect adjustment to retained earnings of $ 2.0 million. ASU 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures – The Company adopted this ASU effective January 1, 2023. This ASU eliminates the accounting guidance for troubled debt restructurings ("TDRs") in ASC 310-40, "Receivables - Troubled Debt Restructurings by Creditors" for entities that have adopted the CECL model introduced by ASU 2016-13. ASU 2022-02 also requires that public business entities disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, "Financial Instruments—Credit Losses—Measured at Amortized Cost". The adoption of ASU 2022-02 did not have a material impact on the Company’s financial condition, results of operations or cash flows, but did affect the financial statement disclosures.

Organization And Summary Of S_2

Organization And Summary Of Significant Accounting Policies (Policy)	3 Months Ended
	Mar. 31, 2023
Organization And Summary Of Significant Accounting Policies [Abstract]
Principles Of Consolidation	The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), and Evans National Holding Corp. (“ENHC”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiary ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates. Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.”
Basis of Accounting	The Financial Accounting Standards Board (“FASB”) establishes changes to GAAP in the form of accounting standards updates (“ASUs”) to the FASB Accounting Standards Codification. The Company considers the applicability and impact of all ASUs when they are issued by FASB.

Revenue Recognition Of Non-In_2

Revenue Recognition Of Non-Interest Income (Policy)	3 Months Ended
	Mar. 31, 2023
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition	A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:   TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits solutions to commercial customers.  TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.  TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.  TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.  Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.  The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.  

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2023
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	March 31, 2023 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 165,479 $ - $ ( 22,417 ) $ 143,062 States and political subdivisions 23,452 2 ( 1,286 ) 22,168 Total debt securities 188,931 2 ( 23,703 ) 165,230 Mortgage-backed securities: FNMA $ 75,087 $ 1 $ ( 11,677 ) $ 63,411 FHLMC 46,435 - ( 6,042 ) 40,393 GNMA 39,740 - ( 6,698 ) 33,042 SBA 21,905 - ( 2,099 ) 19,806 CMO 52,837 - ( 8,790 ) 44,047 Total mortgage-backed securities $ 236,004 $ 1 $ ( 35,306 ) $ 200,699 Total securities designated as available for sale $ 424,935 $ 3 $ ( 59,009 ) $ 365,929 Held to Maturity: Debt securities States and political subdivisions $ 3,707 $ - $ ( 94 ) $ 3,613 Total securities designated as held to maturity $ 3,707 $ - $ ( 94 ) $ 3,613 December 31, 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
Scheduled Maturities Of Debt And Mortgage-Backed Securities	March 31, 2023 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 6,846 $ 6,806 Due after one year through five years 91,456 85,576 Due after five years through ten years 61,639 52,446 Due after ten years 28,990 20,402 $ 188,931 $ 165,230 Mortgage-backed securities available for sale $ 236,004 $ 200,699 Total $ 424,935 $ 365,929 Debt securities held to maturity: Due in one year or less $ 2,900 $ 2,887 Due after one year through five years 395 370 Due after five years through ten years 412 356 Due after ten years - - Total $ 3,707 $ 3,613
Unrealized Losses On Securities	March 31, 2023 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 11,835 $ ( 165 ) $ 130,227 $ ( 22,252 ) $ 142,062 $ ( 22,417 ) States and political subdivisions 1,589 ( 60 ) 18,717 ( 1,226 ) 20,306 ( 1,286 ) Total debt securities 13,424 ( 225 ) 148,944 ( 23,478 ) 162,368 ( 23,703 ) Mortgage-backed securities: FNMA $ 630 $ ( 22 ) $ 62,722 $ ( 11,655 ) $ 63,352 $ ( 11,677 ) FHLMC 7,838 ( 251 ) 32,511 ( 5,791 ) 40,349 ( 6,042 ) GNMA 6,005 ( 290 ) 27,037 ( 6,408 ) 33,042 ( 6,698 ) SBA - - 19,806 ( 2,099 ) 19,806 ( 2,099 ) CMO 6,954 ( 149 ) 37,093 ( 8,641 ) 44,047 ( 8,790 ) Total mortgage-backed securities $ 21,427 $ ( 712 ) $ 179,169 $ ( 34,594 ) $ 200,596 $ ( 35,306 ) Held to Maturity: Debt securities: States and political subdivisions $ 2,887 $ ( 13 ) $ 726 $ ( 81 ) $ 3,613 $ ( 94 ) Total temporarily impaired securities $ 37,738 $ ( 950 ) $ 328,839 $ ( 58,153 ) $ 366,577 $ ( 59,103 ) December 31, 2022 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. treasuries and government agencies $ 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 )

Loans And The Allowance For C_2

Loans And The Allowance For Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2023
Loans And The Allowance For Credit Losses [Abstract]
Schedule Of Loan Portfolio Composition	March 31, 2023 December 31, 2022 Mortgage loans on real estate: (in thousands) Residential mortgages $ 437,416 $ 440,123 Commercial and multi-family 772,061 778,714 Construction-Residential 3,472 3,626 Construction-Commercial 123,878 117,403 Home equities 80,673 82,414 Total real estate loans 1,417,500 1,422,280 Commercial and industrial loans 241,041 250,069 Consumer and other loans 604 572 Unaccreted yield adjustments* ( 569 ) ( 552 ) Total gross loans 1,658,576 1,672,369 Allowance for credit losses ( 21,523 ) ( 19,438 ) Loans, net $ 1,637,053 $ 1,652,931 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated.
Data, At Class Level, Of Credit Quality Indicators Of Certain Loans	(in thousands) Term Loans Amortized Cost Basis by Origination Year As of March 31, 2023 Three months ended March 31, 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial loans Risk rating Pass $ 2,555 $ 43,132 $ 24,725 $ 12,475 $ 10,580 $ 10,162 $ 103,071 $ 206,700 Special Mention - 9,062 447 4,503 1,329 1,417 6,903 23,661 Substandard - 71 4,036 152 1,715 1,380 3,338 10,692 Doubtful/Loss - - - - - - - - Total $ 2,555 $ 52,265 $ 29,208 $ 17,130 $ 13,624 $ 12,959 $ 113,312 $ 241,053 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate mortgages Risk rating Pass $ 10,003 $ 201,796 $ 184,437 $ 92,391 $ 70,404 $ 275,966 $ 6,163 $ 841,160 Special Mention - 1,262 410 6,178 10,250 6,987 - 25,087 Substandard - - 5,499 336 7,741 17,241 - 30,817 Doubtful/Loss - - - - - - - - Total $ 10,003 $ 203,058 $ 190,346 $ 98,905 $ 88,395 $ 300,194 $ 6,163 $ 897,064 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Consumer and other Payment performance Performing $ 86 $ 249 $ 37 $ 26 $ 23 $ 40 $ 135 $ 596 Nonperforming - - - - - - - - Total $ 86 $ 249 $ 37 $ 26 $ 23 $ 40 $ 135 $ 596 Current period gross writeoffs $ 15 $ 15 $ - $ - $ - $ - $ - $ 30 Residential mortgages Payment performance Performing $ 6,251 $ 74,388 $ 105,951 $ 73,201 $ 18,829 $ 158,100 $ - $ 436,720 Nonperforming - 147 169 57 167 3,331 - 3,871 Total $ 6,251 $ 74,535 $ 106,120 $ 73,258 $ 18,996 $ 161,431 $ - $ 440,591 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Home equities Payment performance Performing $ 2,947 $ 3,342 $ 699 $ 690 $ 709 $ 2,399 $ 68,039 $ 78,825 Nonperforming - - - - - 4 443 447 Total $ 2,947 $ 3,342 $ 699 $ 690 $ 709 $ 2,403 $ 68,482 $ 79,272 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ -
Recorded Investment In Loans Past Due	March 31, 2023 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 236,523 $ 2,010 $ - $ - $ 2,520 $ 241,053 Residential real estate: Residential 428,354 4,663 233 - 3,871 437,121 Construction 3,305 165 - - - 3,470 Commercial real estate: Commercial 758,478 599 6,628 565 6,561 772,831 Construction 108,061 5,958 - 1,648 8,566 124,233 Home equities 78,189 595 41 - 447 79,272 Consumer and other 592 4 - - - 596 Total Loans $ 1,613,502 $ 13,994 $ 6,902 $ 2,213 $ 21,965 $ 1,658,576 December 31, 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 246,412 $ 235 $ 684 $ 139 $ 2,625 $ 250,095 Residential real estate: Residential 434,393 1,105 - 472 3,738 439,708 Construction 3,502 - - - - 3,502 Commercial real estate: Commercial 771,871 1,083 - 75 6,648 779,677 Construction 107,369 - - 1,648 8,765 117,782 Home equities 79,320 759 206 100 563 80,948 Consumer and other 652 3 1 1 - 657 Total Loans $ 1,643,519 $ 3,185 $ 891 $ 2,435 $ 22,339 $ 1,672,369
Schedule Of Allowance For Loan Losses According To Portfolio Segment	The following table presents the activity in the allowance for credit losses according to portfolio segment for the three month period ended March 31, 2023. Three months ended March 31, 2023 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit losses: Beginning balance $ 4,980 $ 11,595 $ 153 $ 2,102 $ 608 $ 19,438 Adoption of new accounting standard 324 1,145 ( 147 ) 1,618 ( 205 ) 2,735 Beginning balance after cumulative effect adjustment $ 5,304 $ 12,740 $ 6 $ 3,720 $ 403 $ 22,173 Charge-offs - - ( 30 ) - - ( 30 ) Recoveries 30 - 4 - - 34 Provision ( 67 ) ( 186 ) 24 ( 342 ) ( 83 ) ( 654 ) Ending balance $ 5,267 $ 12,554 $ 4 $ 3,378 $ 320 $ 21,523 *Includes construction loans Prior to the adoption of ASU 2016-13 on January 1, 2023, the Company calculated the allowance for loan losses using the incurred loss methodology. The following table presents the activity in the allowance for loan losses by segment for the three month period ended March 31, 2022. Three months ended March 31, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit losses: Beginning balance $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Charge-offs ( 24 ) - ( 40 ) - - ( 64 ) Recoveries 17 - 6 - - 23 Provision 386 ( 88 ) 24 ( 10 ) ( 91 ) 221 Ending balance $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 * Includes construction loans The following tables present the allowance for credit losses and recorded investment on loans by segment as of March 31, 2023 and December 31, 2022. Three months ended March 31, 2023 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit losses: Ending balance: Individually evaluated for impairment - 212 - 35 29 276 Collectively evaluated for impairment 5,267 12,342 4 3,343 291 21,247 Total $ 5,267 $ 12,554 $ 4 $ 3,378 $ 320 $ 21,523 Loans: Ending balance: Individually evaluated for impairment 2,582 17,869 - 4,244 826 25,521 Collectively evaluated for impairment 238,459 878,070 604 436,644 79,847 1,633,624 Total $ 241,041 $ 895,939 $ 604 $ 440,888 $ 80,673 $ 1,659,145 December 31, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit 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
Data, At Class Level, Of Impaired Loans	Three Months Ended March 31, 2023 January 1, 2023 March 31, 2023 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ - $ 2,520 $ 2,520 $ 2,625 $ - Residential real estate: Residential 151 3,720 3,871 3,738 8 Construction - - - - - Commercial real estate: Commercial - 6,561 6,561 6,648 - Construction 1,301 7,265 8,566 8,765 - Home equities 29 418 447 563 - Consumer and other - - - - - Total nonaccrual loans $ 1,481 $ 20,484 $ 21,965 $ 22,339 $ 8 Three Months Ended March 31, 2022 January 1, 2022 March 31, 2022 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ 93 $ 4,619 $ 4,712 $ 4,919 $ 2 Residential real estate: Residential 303 3,114 3,417 3,020 4 Construction - - - - - Commercial real estate: Commercial 171 6,010 6,181 5,758 70 Construction 1,536 836 2,372 2,942 - Home equities 108 529 637 755 5 Consumer and other - - - - - Total nonaccrual loans $ 2,211 $ 15,108 $ 17,319 $ 17,394 $ 81
Modifications to Borrowers Experiencing Financial Difficulty	(in thousands) Term Extension Total Class of Receivable Commercial and industrial $ - - % Residential real estate: Residential 104 0 Construction - - Commercial real estate: Commercial - - Construction - - Home equities - - Consumer and other - - - Total nonaccrual loans $ 104 0 %

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2023
Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	Balance at December 31, 2022 Net Change Balance at March 31, 2023 (in thousands) Net unrealized (loss) gain on investment securities $ ( 47,348 ) $ 3,635 $ ( 43,713 ) Net defined benefit pension plan adjustments ( 1,930 ) 20 ( 1,910 ) Total $ ( 49,278 ) $ 3,655 $ ( 45,623 ) Balance at December 31, 2021 Net Change Balance at March 31, 2022 (in thousands) Net unrealized gain (loss) on investment securities $ ( 3,160 ) $ ( 16,705 ) $ ( 19,865 ) Net defined benefit pension plan adjustments ( 2,511 ) 55 ( 2,456 ) Total $ ( 5,671 ) $ ( 16,650 ) $ ( 22,321 )
Components Of Other Comprehensive Income	Three months ended March 31, 2023 Three months ended March 31, 2022 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized gain (loss) on investment securities: Unrealized gain (loss) on investment securities $ 4,884 $ ( 1,249 ) $ 3,635 $ ( 22,537 ) $ 5,832 $ ( 16,705 ) Defined benefit pension plan adjustments: Amortization of prior service cost - - - 8 ( 3 ) 5 Amortization of actuarial loss 27 ( 7 ) 20 68 ( 18 ) 50 Net change 27 ( 7 ) 20 76 ( 21 ) 55 Other comprehensive income (loss) $ 4,911 $ ( 1,256 ) $ 3,655 $ ( 22,461 ) $ 5,811 $ ( 16,650 )

Net Periodic Benefit Costs (Tab

Net Periodic Benefit Costs (Tables)	3 Months Ended
	Mar. 31, 2023
Net Periodic Benefit Costs [Abstract]
Schedule Of Net Periodic Benefit Cost	Three months ended March 31, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2023 2022 2023 2022 Service cost $ - $ - $ 36 $ 33 Interest cost 62 44 62 31 Expected return on plan assets ( 67 ) ( 88 ) - - Amortization of prior service cost - - - 8 Amortization of the net loss 27 24 - 44 Net periodic (benefit) cost $ 22 $ ( 20 ) $ 98 $ 116

Revenue Recognition Of Non-In_3

Revenue Recognition Of Non-Interest Income (Tables)	3 Months Ended
	Mar. 31, 2023
Revenue Recognition Of Non-Interest Income [Abstract]
Schedule Of Disaggregation Of Insurance Service And Other Fees	Three months ended March 31, 2023 2022 (in thousands) Commercial property and casualty insurance commissions $ 889 $ 788 Personal property and casualty insurance commissions 739 723 Employee benefits sales commissions 194 234 Profit sharing and contingent revenue 427 370 Wealth management and other financial services 127 141 Other insurance-related revenue 53 43 Total insurance service and other fees $ 2,429 $ 2,299

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	3 Months Ended
	Mar. 31, 2023
Fair Value Measurement [Abstract]
Financial Instruments Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2023 Securities available-for-sale: US treasuries and government agencies $ - $ 143,062 $ - $ 143,062 States and political subdivisions - 22,168 - 22,168 Mortgage-backed securities - 200,699 - 200,699 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
Financial Instruments Measured At Fair Value On Nonrecurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2023 Collateral dependent impaired loans $ - $ - $ 1,200 $ 1,200 December 31, 2022 Collateral dependent impaired loans $ - $ - $ 1,170 $ 1,170
Estimated Fair Values Of Financial Instruments	March 31, 2023 December 31, 2022 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 16,104 $ 16,104 $ 23,054 $ 23,054 Level 2: Available for sale securities 365,929 365,929 364,326 364,326 FHLB and FRB stock 8,444 N/A 13,511 N/A Level 3: Held to maturity securities 3,707 3,613 6,949 6,809 Loans, net 1,637,053 1,565,824 1,652,931 1,564,641 Financial liabilities: Level 1: Demand deposits $ 483,958 $ 483,958 $ 493,710 $ 493,710 NOW deposits 268,283 268,283 273,359 273,359 Savings deposits 807,532 807,532 801,943 801,943 Level 2: Securities sold under agreement to repurchase 9,264 9,264 7,147 7,147 Other borrowed funds 79,637 79,293 193,001 192,443 Subordinated debt 31,101 30,035 31,075 30,263 Level 3: Time deposits 290,141 286,883 202,667 199,910

Segment Information (Tables)

Segment Information (Tables)	3 Months Ended
	Mar. 31, 2023
Segment Information [Abstract]
Schedule Of Business Segments	Three months ended March 31, 2023 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 17,325 $ - $ 17,325 Provision for credit losses ( 654 ) - ( 654 ) Net interest income after provision for credit losses 17,979 - 17,979 Insurance service and fees 123 2,306 2,429 Other non-interest income 1,684 - 1,684 Amortization expense 5 95 100 Other non-interest expense 12,557 1,845 14,402 Income before income taxes 7,224 366 7,590 Income tax provision 1,707 83 1,790 Net income $ 5,517 $ 283 $ 5,800 Three months ended March 31, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 16,501 $ - $ 16,501 Provision for credit losses 221 - 221 Net interest income after provision for credit losses 16,280 - 16,280 Insurance service and fees 139 2,160 2,299 Other non-interest income 2,132 - 2,132 Amortization expense 5 95 100 Other non-interest expense 12,502 1,858 14,360 Income before income taxes 6,044 207 6,251 Income tax provision 1,449 54 1,503 Net income $ 4,595 $ 153 $ 4,748

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	3 Months Ended
	Mar. 31, 2023
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	March 31, December 31, 2023 2022 (in thousands) Commitments to extend credit $ 422,843 $ 376,167 Standby letters of credit 3,027 3,673 Total $ 425,870 $ 379,840

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Narrative) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023 USD ($) entity	Dec. 31, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Number of subsidiaries | entity	2
Total Stockholders’ Equity	$ 158,251	$ 153,993	$ 169,203	$ 183,892
ASU 2016-13 [Member]
Increase to allowance credit losses		2,700
Retained Earnings [Member]
Total Stockholders’ Equity	$ 123,533	123,356	$ 109,366	$ 108,024
Retained Earnings [Member] | ASU 2016-13 [Member]
Increase to allowance credit losses		2,700
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member]
Total Stockholders’ Equity		(2,026)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Retained Earnings [Member] | ASU 2016-13 [Member]
Total Stockholders’ Equity		$ (2,026)

Securities (Narrative) (Details

Securities (Narrative) (Details)	3 Months Ended
	Mar. 31, 2023 USD ($) item	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Number of securities held backed by sub-prime or Alt-A residential mortgages or commercial mortgages | item	0
Number of trust-preferred securities held | item	0
Available for sale securities pledged as collateral	$ 290,000,000		$ 226,000,000
Gross realized gains (losses) from sales of investment securities	0	$ 0
Other-than-temporary impairment charges	$ 0	$ 0
Minimum [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Contractual maturities duration	10 years

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 424,935	$ 428,216
Available for Sale, Unrealized Gains	3	5
Available for Sale, Unrealized Losses	(59,009)	(63,895)
Available for Sale, Fair Value	365,929	364,326
Held to Maturity, Amortized Cost	3,707	6,949
Held to Maturity, Unrealized Losses	(94)	(140)
Held to Maturity, Fair Value	3,613	6,809
US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	165,479	165,495
Available for Sale, Unrealized Gains		1
Available for Sale, Unrealized Losses	(22,417)	(24,814)
Available for Sale, Fair Value	143,062	140,682
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	23,452	23,480
Available for Sale, Unrealized Gains	2	4
Available for Sale, Unrealized Losses	(1,286)	(1,662)
Available for Sale, Fair Value	22,168	21,822
Held to Maturity, Amortized Cost	3,707	6,949
Held to Maturity, Unrealized Losses	(94)	(140)
Held to Maturity, Fair Value	3,613	6,809
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	188,931	188,975
Available for Sale, Unrealized Gains	2	5
Available for Sale, Unrealized Losses	(23,703)	(26,476)
Available for Sale, Fair Value	165,230	162,504
Held to Maturity, Amortized Cost	3,707
Held to Maturity, Fair Value	3,613
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	236,004	239,241
Available for Sale, Unrealized Gains	1
Available for Sale, Unrealized Losses	(35,306)	(37,419)
Available for Sale, Fair Value	200,699	201,822
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	75,087	75,921
Available for Sale, Unrealized Gains	1
Available for Sale, Unrealized Losses	(11,677)	(12,819)
Available for Sale, Fair Value	63,411	63,102
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	46,435	46,922
Available for Sale, Unrealized Losses	(6,042)	(6,695)
Available for Sale, Fair Value	40,393	40,227
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	39,740	40,039
Available for Sale, Unrealized Losses	(6,698)	(6,580)
Available for Sale, Fair Value	33,042	33,459
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	21,905	22,556
Available for Sale, Unrealized Losses	(2,099)	(2,419)
Available for Sale, Fair Value	19,806	20,137
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	52,837	53,803
Available for Sale, Unrealized Losses	(8,790)	(8,906)
Available for Sale, Fair Value	$ 44,047	$ 44,897

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 424,935	$ 428,216
$159,157 at December 31, 2021)	365,929	364,326
Held to Maturity, Amortized Cost	3,707	6,949
Held to maturity, Estimated fair value	3,613	6,809
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Debt securities available for sale, Due in one year or less, Amortized cost	6,846
Debt securities available for sale, Due after one year through five years, Amortized cost	91,456
Debt securities available for sale, Due after five years through ten years, Amortized cost	61,639
Debt securities available for sale, Due after ten years, Amortized cost	28,990
Total securities designated as available for sale, Amortized Cost	188,931
Total securities designated as available for sale, Amortized Cost	188,931	188,975
Debt securities available for sale, Due in one year or less, Estimated fair value	6,806
Debt securities available for sale, Due after one year through five years, Estimated fair value	85,576
Debt securities available for sale, Due after five years through ten years, Estimated fair value	52,446
Debt securities available for sale, Due after ten years, Estimated fair value	20,402
Debt securities available for sale, Estimated fair value	165,230
$159,157 at December 31, 2021)	165,230	162,504
Debt securities held to maturity, Due in one year or less, Amortized cost	2,900
Debt securities held to maturity, Due after one year through five years, Amortized cost	395
Debt securities held to maturity, Due after five years through ten years, Amortized cost	412
Held to Maturity, Amortized Cost	3,707
Debt securities held to maturity, Due in one year or less, Estimated fair value	2,887
Debt securities held to maturity, Due after one year through five years, Estimated fair value	370
Debt securities held to maturity, Due after five years through ten years, Estimated fair value	356
Held to maturity, Estimated fair value	3,613
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities available for sale, Amortized cost	236,004
Total securities designated as available for sale, Amortized Cost	236,004	239,241
Mortgage-backed securities available for sale, Estimated fair value	200,699
$159,157 at December 31, 2021)	$ 200,699	$ 201,822

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 37,738	$ 168,675
Total temporarily impaired securities, 12 months or longer, Fair Value	328,839	199,595
Total temporarily impaired securities, Total, Fair Value	366,577	368,270
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(950)	(15,505)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(58,153)	(48,530)
Total temporarily impaired securities, Total, Unrealized Losses	(59,103)	(64,035)
US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	11,835	68,292
Available for Sale, 12 months or longer, Fair Value	130,227	71,389
Available for Sale, Total, Fair Value	142,062	139,681
Available for Sale, Less than 12 months, Unrealized Losses	(165)	(5,929)
Available for Sale, 12 months or longer, Unrealized Losses	(22,252)	(18,885)
Available for Sale, Total, Unrealized Losses	(22,417)	(24,814)
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,589	19,540
Available for Sale, 12 months or longer, Fair Value	18,717	418
Available for Sale, Total, Fair Value	20,306	19,958
Available for Sale, Less than 12 months, Unrealized Losses	(60)	(1,645)
Available for Sale, 12 months or longer, Unrealized Losses	(1,226)	(17)
Available for Sale, Total, Unrealized Losses	(1,286)	(1,662)
Held To Maturity, Less than 12 months, Fair Value	2,887	6,627
Held To Maturity, 12 months or longer, Fair Value	726	182
Held To Maturity, Total, Fair Value	3,613	6,809
Held To Maturity, Less than 12 months, Unrealized Losses	(13)	(118)
Held To Maturity, 12 months or longer, Unrealized Losses	(81)	(22)
Held To Maturity, Total, Unrealized Losses	(94)	(140)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	13,424	87,832
Available for Sale, 12 months or longer, Fair Value	148,944	71,807
Available for Sale, Total, Fair Value	162,368	159,639
Available for Sale, Less than 12 months, Unrealized Losses	(225)	(7,574)
Available for Sale, 12 months or longer, Unrealized Losses	(23,478)	(18,902)
Available for Sale, Total, Unrealized Losses	(23,703)	(26,476)
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	21,427	74,216
Available for Sale, 12 months or longer, Fair Value	179,169	127,606
Available for Sale, Total, Fair Value	200,596	201,822
Available for Sale, Less than 12 months, Unrealized Losses	(712)	(7,813)
Available for Sale, 12 months or longer, Unrealized Losses	(34,594)	(29,606)
Available for Sale, Total, Unrealized Losses	(35,306)	(37,419)
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	630	23,242
Available for Sale, 12 months or longer, Fair Value	62,722	39,860
Available for Sale, Total, Fair Value	63,352	63,102
Available for Sale, Less than 12 months, Unrealized Losses	(22)	(3,081)
Available for Sale, 12 months or longer, Unrealized Losses	(11,655)	(9,738)
Available for Sale, Total, Unrealized Losses	(11,677)	(12,819)
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	7,838	11,927
Available for Sale, 12 months or longer, Fair Value	32,511	28,300
Available for Sale, Total, Fair Value	40,349	40,227
Available for Sale, Less than 12 months, Unrealized Losses	(251)	(790)
Available for Sale, 12 months or longer, Unrealized Losses	(5,791)	(5,905)
Available for Sale, Total, Unrealized Losses	(6,042)	(6,695)
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	6,005	10,763
Available for Sale, 12 months or longer, Fair Value	27,037	22,696
Available for Sale, Total, Fair Value	33,042	33,459
Available for Sale, Less than 12 months, Unrealized Losses	(290)	(1,298)
Available for Sale, 12 months or longer, Unrealized Losses	(6,408)	(5,282)
Available for Sale, Total, Unrealized Losses	(6,698)	(6,580)
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value		16,996
Available for Sale, 12 months or longer, Fair Value	19,806	3,141
Available for Sale, Total, Fair Value	19,806	20,137
Available for Sale, Less than 12 months, Unrealized Losses		(1,971)
Available for Sale, 12 months or longer, Unrealized Losses	(2,099)	(448)
Available for Sale, Total, Unrealized Losses	(2,099)	(2,419)
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	6,954	11,288
Available for Sale, 12 months or longer, Fair Value	37,093	33,609
Available for Sale, Total, Fair Value	44,047	44,897
Available for Sale, Less than 12 months, Unrealized Losses	(149)	(673)
Available for Sale, 12 months or longer, Unrealized Losses	(8,641)	(8,233)
Available for Sale, Total, Unrealized Losses	$ (8,790)	$ (8,906)

Loans And The Allowance For C_3

Loans And The Allowance For Credit Losses (Narrative) (Details)	3 Months Ended
	Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($) item	Dec. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding principal balance	$ 800,000
Acquired credit-impaired loans	700,000
Valuation allowances, acquired credit-impaired loans	0		$ 0
Provision Credit For Loan Losses	(654,000)	$ 221,000
Total criticized assets increase	93,000,000		29,000,000
Loan commitments to lend additional funds to debtors	0
Number of loan modifications | item		1
Principal balances on loan modification	104,000	$ 38,000
Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	440,591,000
Provision Credit For Loan Losses	(342,000)	(10,000)
Residential Mortgages [Member] | FSB [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	58,000,000
Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal balances on loan modification	104,000
Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	897,064,000
Provision Credit For Loan Losses	(186,000)	(88,000)
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	241,053,000
Provision Credit For Loan Losses	(67,000)	386,000
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	596,000
Provision Credit For Loan Losses	24,000	24,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	115,000,000		116,000,000
Mortgage servicing rights	1,100,000
Mortgage loans held-for-sale	0		0
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
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FNMA Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	1,300,000	0
Loan servicing portfolio principal balance	$ 57,000,000
Total Real Estate Loans [Member] | FHLBNY [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance		$ 607,000,000	$ 495,000,000
Minimum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity Extensions	159 months
Maximum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity Extensions	164 months

Loans And The Allowance For C_4

Loans And The Allowance For Credit Losses (Schedule Of Loan Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$ 1,659,145	$ 1,672,921
Unaccreted yield adjustments	(569)	(552)
Total gross loans	1,658,576	1,672,369
Allowance for loan losses	(21,523)	(19,438)
Loans, net	1,637,053	1,652,931
Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	440,888	443,749
Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	895,939	896,117
Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	80,673	82,414
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	241,041	250,069
Total gross loans	241,053	250,095
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	604	572
Total gross loans	596	657
Total Real Estate Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	1,417,500	1,422,280
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	437,416	440,123
Total gross loans	437,121	439,708
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	3,472	3,626
Total gross loans	3,470	3,502
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	772,061	778,714
Total gross loans	772,831	779,677
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	123,878	117,403
Total gross loans	124,233	117,782
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	79,272	80,948
Total Real Estate Loans [Member] | Home Equity Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$ 80,673	$ 82,414

Loans And The Allowance For C_5

Loans And The Allowance For Credit Losses (Data, At Class Level, Of Credit Quality Indicators Of Certain Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs	$ 30	$ 64
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	2,555
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	52,265
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	29,208
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	17,130
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	13,624
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	12,959
Financing Receivable, Revolving	113,312
Total Past Due	241,053
Financing Receivable, Allowance for Credit Losses, Charge-offs		24
Commercial And Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	2,555
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	43,132
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	24,725
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	12,475
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	10,580
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	10,162
Financing Receivable, Revolving	103,071
Total Past Due	206,700
Commercial And Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	9,062
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	447
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	4,503
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,329
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,417
Financing Receivable, Revolving	6,903
Total Past Due	23,661
Commercial And Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	71
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	4,036
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	152
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,715
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,380
Financing Receivable, Revolving	3,338
Total Past Due	10,692
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10,003
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	203,058
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	190,346
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	98,905
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	88,395
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	300,194
Financing Receivable, Revolving	6,163
Total Past Due	897,064
Commercial Real Estate Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10,003
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	201,796
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	184,437
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	92,391
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	70,404
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	275,966
Financing Receivable, Revolving	6,163
Total Past Due	841,160
Commercial Real Estate Mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,262
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	410
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	6,178
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	10,250
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	6,987
Total Past Due	25,087
Commercial Real Estate Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	5,499
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	336
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7,741
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	17,241
Total Past Due	30,817
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	86
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	249
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	37
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	26
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	23
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	40
Financing Receivable, Revolving	135
Total Past Due	596
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff	15
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	15
Financing Receivable, Allowance for Credit Losses, Charge-offs	30	$ 40
Consumer And Other Loans [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	86
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	249
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	37
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	26
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	23
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	40
Financing Receivable, Revolving	135
Total Past Due	596
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	6,251
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	74,535
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	106,120
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	73,258
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	18,996
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	161,431
Total Past Due	440,591
Residential Mortgages [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	6,251
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	74,388
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	105,951
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	73,201
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	18,829
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	158,100
Total Past Due	436,720
Residential Mortgages [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	147
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	169
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	57
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	167
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,331
Total Past Due	3,871
Home Equity Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	2,947
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,342
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	699
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	690
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	709
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,403
Financing Receivable, Revolving	68,482
Total Past Due	79,272
Home Equity Loans [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	2,947
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,342
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	699
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	690
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	709
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,399
Financing Receivable, Revolving	68,039
Total Past Due	78,825
Home Equity Loans [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	4
Financing Receivable, Revolving	443
Total Past Due	$ 447

Loans And The Allowance For C_6

Loans And The Allowance For Credit Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	$ 21,965	$ 22,339	$ 17,319	$ 17,394
Loans	1,658,576	1,672,369
Unaccreted yield adjustments	(569)	(552)
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1,613,502	1,643,519
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	13,994	3,185
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	6,902	891
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2,213	2,435
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	241,053
Non-accruing Loans	2,520	2,625	4,712	4,919
Loans	241,053	250,095
Commercial And Industrial [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	236,523	246,412
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2,010	235
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		684
Commercial And Industrial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		139
Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	440,591
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	897,064
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	79,272
Non-accruing Loans	447	563	637	755
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	596
Loans	596	657
Consumer And Other Loans [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	592	652
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	4	3
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		1
Consumer And Other Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		1
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	6,561	6,648	6,181	5,758
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	447	563
Loans	79,272	80,948
Total Real Estate Loans [Member] | Home Equity Loans [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	78,189	79,320
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	595	759
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	41	206
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		100
Mortgages [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	3,871	3,738	3,417	3,020
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	3,871	3,738
Loans	437,121	439,708
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	428,354	434,393
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	4,663	1,105
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	233
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]
Non-accruing Loans	6,561	6,648
Loans	772,831	779,677
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	758,478	771,871
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	599	1,083
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	6,628
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	565	75
Construction [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	8,566	8,765	$ 2,372	$ 2,942
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	3,470	3,502
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,305	3,502
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	165
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	8,566	8,765
Loans	124,233	117,782
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	108,061	107,369
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	5,958
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	$ 1,648

Loans And The Allowance For C_7

Loans And The Allowance For Credit Losses (Schedule Of Allowance For Loan Losses According To Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	$ 19,438	$ 18,438
Allowance for credit losses: Charge-offs	(30)	(64)
Allowance for credit losses: Recoveries	34	23
Allowance for credit losses: Provision	(654)	221
Allowance for credit losses: Ending balance	21,523	18,618
Allowance for credit losses: Individually evaluated for impairment	276		$ 356
Allowance for credit losses: Collectively evaluated for impairment	21,247		19,082
Allowance for credit losses: Total	21,523	18,618	19,438
Loans: Loans acquired with deteriorated credit quality			687
Loans: Individually evaluated for impairment	25,521		25,810
Loans: Collectively evaluated for impairment	1,633,624		1,646,424
Total	1,659,145		1,672,921
Unaccreted yield adjustments	(569)		(552)
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	4,980	3,309
Allowance for credit losses: Charge-offs		(24)
Allowance for credit losses: Recoveries	30	17
Allowance for credit losses: Provision	(67)	386
Allowance for credit losses: Ending balance	5,267	3,688
Allowance for credit losses: Collectively evaluated for impairment	5,267		4,980
Allowance for credit losses: Total	5,267	3,688	4,980
Loans: Individually evaluated for impairment	2,582		2,697
Loans: Collectively evaluated for impairment	238,459		247,372
Total	241,041		250,069
Commercial Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	11,595	12,367
Allowance for credit losses: Provision	(186)	(88)
Allowance for credit losses: Ending balance	12,554	12,279
Allowance for credit losses: Individually evaluated for impairment	212		251
Allowance for credit losses: Collectively evaluated for impairment	12,342		11,344
Allowance for credit losses: Total	12,554	12,279	11,595
Loans: Individually evaluated for impairment	17,869		18,144
Loans: Collectively evaluated for impairment	878,070		877,973
Total	895,939		896,117
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	153	54
Allowance for credit losses: Charge-offs	(30)	(40)
Allowance for credit losses: Recoveries	4	6
Allowance for credit losses: Provision	24	24
Allowance for credit losses: Ending balance	4	44
Allowance for credit losses: Collectively evaluated for impairment	4		153
Allowance for credit losses: Total	4	44	153
Loans: Collectively evaluated for impairment	604		572
Total	604		572
Residential Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	2,102	2,127
Allowance for credit losses: Provision	(342)	(10)
Allowance for credit losses: Ending balance	3,378	2,117
Allowance for credit losses: Individually evaluated for impairment	35		28
Allowance for credit losses: Collectively evaluated for impairment	3,343		2,074
Allowance for credit losses: Total	3,378	2,117	2,102
Loans: Loans acquired with deteriorated credit quality			687
Loans: Individually evaluated for impairment	4,244		4,020
Loans: Collectively evaluated for impairment	436,644		439,042
Total	440,888		443,749
Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	608	581
Allowance for credit losses: Provision	(83)	(91)
Allowance for credit losses: Ending balance	320	490
Allowance for credit losses: Individually evaluated for impairment	29		77
Allowance for credit losses: Collectively evaluated for impairment	291		531
Allowance for credit losses: Total	320	$ 490	608
Loans: Individually evaluated for impairment	826		949
Loans: Collectively evaluated for impairment	79,847		81,465
Total	80,673		82,414
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	2,735
Allowance for credit losses: Total			2,735
Cumulative Effect, Period of Adoption, Adjustment [Member] | Commercial And Industrial [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	324
Allowance for credit losses: Total			324
Cumulative Effect, Period of Adoption, Adjustment [Member] | Commercial Real Estate Mortgages [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	1,145
Allowance for credit losses: Total			1,145
Cumulative Effect, Period of Adoption, Adjustment [Member] | Consumer And Other Loans [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	(147)
Allowance for credit losses: Total			(147)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Residential Mortgages [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	1,618
Allowance for credit losses: Total			1,618
Cumulative Effect, Period of Adoption, Adjustment [Member] | Home Equity Loans [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	(205)
Allowance for credit losses: Total			(205)
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	22,173
Allowance for credit losses: Total			22,173
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	5,304
Allowance for credit losses: Total			5,304
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	12,740
Allowance for credit losses: Total			12,740
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	6
Allowance for credit losses: Total			6
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Residential Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	3,720
Allowance for credit losses: Total			3,720
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	$ 403
Allowance for credit losses: Total			$ 403

Loans And The Allowance For C_8

Loans And The Allowance For Credit Losses (Data, At Class Level, Of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	$ 1,481	$ 2,211
Amortized Cost Without Allowance	20,484	15,108
Non-accruing Loans	21,965	17,319	$ 22,339	$ 17,394
Interest Income Recognized	8	81
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance		93
Amortized Cost Without Allowance	2,520	4,619
Non-accruing Loans	2,520	4,712	2,625	4,919
Interest Income Recognized		2
Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	151	303
Amortized Cost Without Allowance	3,720	3,114
Non-accruing Loans	3,871	3,417	3,738	3,020
Interest Income Recognized	8	4
Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	1,301	1,536
Amortized Cost Without Allowance	7,265	836
Non-accruing Loans	8,566	2,372	8,765	2,942
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	29	108
Amortized Cost Without Allowance	418	529
Non-accruing Loans	447	637	563	755
Interest Income Recognized		5
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	3,871		3,738
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance		171
Amortized Cost Without Allowance	6,561	6,010
Non-accruing Loans	6,561	6,181	6,648	$ 5,758
Interest Income Recognized		$ 70
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	6,561		6,648
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	8,566		8,765
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	$ 447		$ 563

Loans And The Allowance For C_9

Loans And The Allowance For Credit Losses (Modifications to Borrowers Experiencing Financial Difficulty) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Modifications [Line Items]
Term Extension	$ 104	$ 38
Total Class of Receivable	0%
Mortgages [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Term Extension	$ 104
Total Class of Receivable	0%

Common Equity And Earnings Pe_2

Common Equity And Earnings Per Share Data (Narrative) (Details) - shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Common Equity And Earnings Per Share Data [Abstract]
Weighted average number of shares outstanding, dilutive	31,438	52,766
Potentially anti-dilutive shares outstanding	53,910	21,560

Other Comprehensive Income (Sch

Other Comprehensive Income (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (49,278)	$ (5,671)
Net Change	3,655	(16,650)
Ending Balance	(45,623)	(22,321)
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(47,348)	(3,160)
Net Change	3,635	(16,705)
Ending Balance	(43,713)	(19,865)
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(1,930)	(2,511)
Net Change	20	55
Ending Balance	$ (1,910)	$ (2,456)

Other Comprehensive Income (Com

Other Comprehensive Income (Components Of Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Unrealized (loss) gain on investment securities:
Unrealized (loss) gain on investment securities, Before-Tax Amount	$ 4,884	$ (22,537)
Unrealized (loss) gain on investment securities, Income Tax (Provision) Benefit	(1,249)	5,832
Unrealized (loss) gain on investment securities, Net-of-Tax Amount	3,635	(16,705)
Defined benefit pension plan adjustments:
Amortization of prior service cost, Before-Tax Amount		8
Amortization of prior service cost, Income Tax (Provision) Benefit		(3)
Amortization of prior service cost, Net-of-Tax Amount		5
Amortization of actuarial loss, Before-Tax Amount	27	68
Amortization of actuarial loss, Income Tax (Provision) Benefit	(7)	(18)
Amortization of actuarial loss, Net-of-Tax Amount	20	50
Net change, Before-Tax Amount	27	76
Net change, Income Tax (Provision) Benefit	(7)	(21)
Total	20	55
Other comprehensive (loss) income, Before-Tax Amount	4,911	(22,461)
Other comprehensive (loss) income, Income Tax (Provision) Benefit	(1,256)	5,811
OTHER COMPREHENSIVE INCOME (LOSS) , NET OF TAX:	$ 3,655	$ (16,650)

Net Periodic Benefit Costs (Sch

Net Periodic Benefit Costs (Schedule Of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Pension [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 62	$ 44
Expected return on plan assets	(67)	(88)
Amortization of the net loss	27	24
Net periodic (benefit) cost	22	(20)
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	36	33
Interest cost	62	31
Amortization of prior service cost		8
Amortization of the net loss		44
Net periodic (benefit) cost	$ 98	$ 116

Revenue Recognition Of Non-In_4

Revenue Recognition Of Non-Interest Income (Schedule Of Disaggregation Of Insurance Service And Other Fees) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 2,429	$ 2,299
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	889	788
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	739	723
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	194	234
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	427	370
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	127	141
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 53	$ 43

Fair Value Measurement (Narrati

Fair Value Measurement (Narrative) (Details) $ in Millions	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Consumer Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans, gross	$ 1.5	$ 1.5
Impaired loans, allowance for loan loss	$ 0.3	$ 0.4
Minimum [Member] | Level 3 [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount on appraisals of the collateral	10
Maximum [Member] | Level 3 [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount on appraisals of the collateral	50

Fair Value Measurement (Financi

Fair Value Measurement (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 365,929	$ 364,326
Recurring [Member] | US Treasuries And Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	143,062	140,682
Recurring [Member] | US Treasuries And Government Agencies [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	143,062	140,682
Recurring [Member] | States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	22,168	21,822
Recurring [Member] | States and Political Subdivisions [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	22,168	21,822
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	200,699	201,822
Recurring [Member] | Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 200,699	$ 201,822

Fair Value Measurement (Finan_2

Fair Value Measurement (Financial Instruments Measured At Fair Value On Nonrecurring Basis) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,200	$ 1,170
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,200	$ 1,170

Fair Value Measurement (Estimat

Fair Value Measurement (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 365,929	$ 364,326
Held to maturity securities	3,613	6,809
Demand deposits	483,958	493,710
NOW deposits	268,283	273,359
Savings deposits	807,532	801,943
Time deposits	290,141	202,667
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	16,104	23,054
Demand deposits	483,958	493,710
NOW deposits	268,283	273,359
Savings deposits	807,532	801,943
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	365,929	364,326
FHLB and FRB stock	8,444	13,511
Securities sold under agreement to repurchase	9,264	7,147
Other borrowed funds	79,637	193,001
Subordinated debt	31,101	31,075
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	3,707	6,949
Loans, net	1,637,053	1,652,931
Time deposits	290,141	202,667
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	16,104	23,054
Demand deposits	483,958	493,710
NOW deposits	268,283	273,359
Savings deposits	807,532	801,943
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	365,929	364,326
FHLB and FRB stock
Securities sold under agreement to repurchase	9,264	7,147
Other borrowed funds	79,293	192,443
Subordinated debt	30,035	30,263
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	3,613	6,809
Loans, net	1,565,824	1,564,641
Time deposits	$ 286,883	$ 199,910

Segment Information (Schedule O

Segment Information (Schedule Of Business Segments) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($) segment	Mar. 31, 2022 USD ($)
Number of primary business segments | segment	2
Net interest income	$ 17,325	$ 16,501
Provision for credit losses	(654)	221
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	17,979	16,280
Insurance service and fees	2,429	2,299
Other non-interest income	4,113	4,431
Amortization expense	100	100
Other non-interest expense	14,502	14,460
INCOME BEFORE INCOME TAXES	7,590	6,251
Income tax provision	1,790	1,503
NET INCOME	5,800	4,748
Operating Segments [Member]
Net interest income	17,325	16,501
Provision for credit losses	(654)	221
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	17,979	16,280
Insurance service and fees	2,429	2,299
Other non-interest income	1,684	2,132
Amortization expense	100	100
Other non-interest expense	14,402	14,360
INCOME BEFORE INCOME TAXES	7,590	6,251
Income tax provision	1,790	1,503
NET INCOME	5,800	4,748
Banking Activities [Member] | Operating Segments [Member]
Net interest income	17,325	16,501
Provision for credit losses	(654)	221
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	17,979	16,280
Insurance service and fees	123	139
Other non-interest income	1,684	2,132
Amortization expense	5	5
Other non-interest expense	12,557	12,502
INCOME BEFORE INCOME TAXES	7,224	6,044
Income tax provision	1,707	1,449
NET INCOME	5,517	4,595
Insurance Agency Activities [Member] | Operating Segments [Member]
Insurance service and fees	2,306	2,160
Amortization expense	95	95
Other non-interest expense	1,845	1,858
INCOME BEFORE INCOME TAXES	366	207
Income tax provision	83	54
NET INCOME	$ 283	$ 153

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Contingent Liabilities And Commitments [Abstract]
Losses on commitments	$ 0	$ 0
Reserve for commitments	$ 0	$ 0

Contingent Liabilities And Co_4

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 425,870	$ 379,840
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	422,843	376,167
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 3,027	$ 3,673

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' Equity Attributable to Parent	$ 153,993	$ 158,251	$ 169,203	$ 183,892
ASU 2016-13 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	2,700
Retained Earnings [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' Equity Attributable to Parent	123,356	$ 123,533	$ 109,366	$ 108,024
Retained Earnings [Member] | ASU 2016-13 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	2,700
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' Equity Attributable to Parent	(2,026)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Retained Earnings [Member] | ASU 2016-13 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' Equity Attributable to Parent	$ (2,026)