Evans Bancorp (EVBN) 10-Q 1 Aug 23 2023 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2023	Jul. 27, 2023
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Fiscal Period Focus	Q2
Document Period End Date	Jun. 30, 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		5,477,505
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	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 15,197	$ 16,796
Interest-bearing deposits at banks	10,334	6,258
Securities:
Available for sale, at fair value and net of valuation allowance (amortized cost: $416,403 at June 30, 2023; $428,216 at December 31, 2022)	351,595	364,326
Held to maturity, at amortized cost and net of valuation allowance (fair value: $2,149 at June 30, 2023; $6,809 at December 31, 2022)	2,241	6,949
Federal Home Loan Bank common stock, at cost	3,939	10,437
Federal Reserve Bank common stock, at cost	3,087	3,074
Loans, net of allowance for credit losses of $21,368 at June 30, 2023 and $19,438 at December 31, 2022	1,649,385	1,652,931
Properties and equipment, net of accumulated depreciation of $11,923 at June 30, 2023 and $11,596 at December 31, 2022	16,194	16,999
Goodwill	12,702	12,702
Intangible assets	1,027	1,227
Bank-owned life insurance	42,288	41,826
Operating lease right-of-use asset	4,297	4,392
Other assets	42,677	40,593
TOTAL ASSETS	2,154,963	2,178,510
Deposits:
Demand	442,195	493,710
NOW	303,159	273,359
Savings	726,687	801,943
Time	314,574	202,667
Total deposits	1,786,615	1,771,679
Securities sold under agreement to repurchase	19,185	7,147
Other borrowings	140,386	193,001
Operating lease liability	4,604	4,723
Other liabilities	13,563	16,892
Subordinated debt	31,126	31,075
Total liabilities	1,995,479	2,024,517
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,581,183 and 5,544,339 shares issued at June 30, 2023 and December 31, 2022, respectively, and 5,477,505 and 5,437,048 shares outstanding at June 30, 2023 and December 31, 2022, respectively.	2,795	2,775
Capital surplus	81,777	81,031
Treasury stock, at cost, 103,678 and 107,291 shares at June 30, 2023 and December 31, 2022, respectively	(3,656)	(3,891)
Retained earnings	128,465	123,356
Accumulated other comprehensive income (loss), net of tax	(49,897)	(49,278)
Total stockholders' equity	159,484	153,993
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,154,963	$ 2,178,510

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Securities:
Available for sale, amortized cost	$ 416,403	$ 428,216
Held to maturity, fair value	2,149	6,809
Loans, allowance for loan losses	21,368	19,438
Properties and equipment, accumulated depreciation	$ 11,923	$ 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	5,581,183	5,544,339
Common stock, shares outstanding	5,477,505	5,437,048
Treasury stock, shares	103,678	107,291

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
INTEREST INCOME
Loans	$ 21,602	$ 16,828	$ 42,488	$ 32,552
Interest-bearing deposits at banks	80	226	176	296
Securities:
Taxable	2,252	1,984	4,546	3,661
Non-taxable	54	59	143	105
Total interest income	23,988	19,097	47,353	36,614
INTEREST EXPENSE
Deposits	6,280	580	10,295	1,148
Other borrowings	1,486	42	2,985	89
Subordinated debt	541	423	1,067	824
Total interest expense	8,307	1,045	14,347	2,061
NET INTEREST INCOME	15,681	18,052	33,006	34,553
PROVISION FOR CREDIT LOSSES	(116)	267	(770)	488
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	15,797	17,785	33,776	34,065
NON-INTEREST INCOME
Deposit service charges	645	703	1,258	1,395
Insurance service and fees	2,720	2,567	5,149	4,866
Bank-owned life insurance	238	171	462	325
Interchange fee income	528	539	1,021	1,031
Other	570	632	924	1,426
Total non-interest income	4,701	4,612	8,814	9,043
NON-INTEREST EXPENSE
Salaries and employee benefits	8,649	9,436	18,062	18,906
Occupancy	1,145	1,131	2,318	2,311
Advertising and public relations	407	438	563	617
Professional services	808	843	1,691	1,715
Technology and communications	1,542	1,237	2,898	2,411
Amortization of intangibles	100	100	200	200
FDIC insurance	350	250	700	520
Other	1,171	1,349	2,242	2,564
Total non-interest expense	14,172	14,784	28,674	29,244
INCOME BEFORE INCOME TAXES	6,326	7,613	13,916	13,864
INCOME TAX PROVISION	1,394	1,879	3,184	3,382
NET INCOME	$ 4,932	$ 5,734	$ 10,732	$ 10,482
Net income per common share-basic	$ 0.90	$ 1.04	$ 1.97	$ 1.90
Net income per common share-diluted	$ 0.90	$ 1.03	$ 1.96	$ 1.89
Weighted average number of common shares outstanding	5,467,897	5,512,741	5,456,189	5,503,811
Weighted average number of diluted shares outstanding	5,474,462	5,550,436	5,476,024	5,548,533

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Consolidated Statements Of Comprehensive (Loss) Income [Abstract]
NET INCOME	$ 4,932	$ 5,734	$ 10,732	$ 10,482
OTHER COMPREHENSIVE (LOSS) INCOME , NET OF TAX:
Unrealized loss on available-for-sale securities:	(4,294)	(12,033)	(659)	(28,738)
Defined benefit pension plans:
Amortization of prior service cost		5		10
Amortization of actuarial loss	20	50	40	100
Total	20	55	40	110
OTHER COMPREHENSIVE (LOSS) INCOME , NET OF TAX:	(4,274)	(11,978)	(619)	(28,628)
COMPREHENSIVE INCOME (LOSS)	$ 658	$ (6,244)	$ 10,113	$ (18,146)

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							10,482							10,482
Other comprehensive loss									(28,628)					(28,628)
Cash dividends							(3,409)							(3,409)
Stock compensation expense				624										624
Issued restricted shares		9		(9)
Reissued shares under Dividend Reinvestment Plan		2		141										143
Issued shares in Employee Stock Purchase Plan		4		195										199
Issued shares in stock option exercises		10		326										336
Repurchased shares in common stock											$ (1,098)			(1,098)
Reissued restricted shares in stock option exercises							(115)				249			134
Balance at Jun. 30, 2022		2,769		80,072			114,982		(34,299)		(849)			162,675
Balance at Mar. 31, 2022		2,762		79,396			109,366		(22,321)					169,203
Net income							5,734							5,734
Other comprehensive loss									(11,978)					(11,978)
Cash dividends							(3)							(3)
Stock compensation expense				291										291
Issued shares under Dividend Reinvestment Plan		2		141										143
Issued shares in Employee Stock Purchase Plan		4		195
Issued shares in stock option exercises		1		49										50
Repurchased shares in common stock											(1,098)			(1,098)
Reissued restricted shares, net of forfeitures							(115)				249			134
Balance at Jun. 30, 2022		2,769		80,072			114,982		(34,299)		(849)			162,675
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							10,732							10,732
Other comprehensive loss									(619)					(619)
Cash dividends							(3,597)							(3,597)
Stock compensation expense				534										534
Reissued restricted shares				(235)							235
Issued restricted shares, net of forfeitures		(6)		6
Issued shares under Dividend Reinvestment Plan		2		152										154
Issued shares in Employee Stock Purchase Plan		6		187										193
Issued shares in stock option exercises		6		114										120
Balance at Jun. 30, 2023		2,795		81,777			128,465		(49,897)		(3,656)			159,484
Balance at Mar. 31, 2023		2,787		81,210			123,533		(45,623)		(3,656)			158,251
Net income							4,932							4,932
Other comprehensive loss									(4,274)					(4,274)
Stock compensation expense				228										228
Reissued shares under Dividend Reinvestment Plan		2		152										154
Issued shares in Employee Stock Purchase Plan		6		187										193
Balance at Jun. 30, 2023		$ 2,795		$ 81,777			$ 128,465		$ (49,897)		$ (3,656)			$ 159,484

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 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				18,244
Issued restricted shares, net of forfeitures			11,775
Forfeitures shares of restricted stock		1,186		1,186
Issued shares under Dividend Reinvestment Plan	4,545	3,705	4,545
Issued shares in Employee Stock Purchase Plan	9,101	6,902	9,101	6,902
Issued shares in stock option exercises		2,020	12,421	20,851
Repurchased shares in common stock		29,269		29,269
Reissued shares under Dividend Reinvestment Plan				3,705
Reissued shares in stock option exercises		6,660		6,660

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
OPERATING ACTIVITIES:
Interest received	$ 47,051	$ 35,332
Fees received	8,830	9,236
Interest paid	(13,634)	(2,301)
Cash paid to employees and vendors	(29,972)	(32,005)
Income taxes paid	(6,223)	(1,801)
Proceeds from sale of loans held for sale	4,591	3,529
Originations of loans held for sale	(4,503)	(3,368)
Net cash provided by operating activities	6,140	8,622
Available For Sales Securities:
Purchases		(144,413)
Proceeds from sales, maturities, calls, and payments	18,412	16,198
Held to maturity securities:
Purchases	(644)	(5,825)
Proceeds from maturities, calls, and payments	5,352	1,288
Proceeds from bank-owned life insurance claims		378
Additions to properties and equipment	(479)	(388)
Proceeds from sales of assets	370
Proceeds from tax credit investment	12	56
Net decrease (increase) in loans	1,935	(40,854)
Net cash provided by (used in) investing activities	24,958	(173,560)
FINANCING ACTIVITIES:
Repayments from long-term borrowings, net	(13,278)	(9,672)
(Repayments) proceeds from short-term borrowings, net	(27,163)	958
Net increase in deposits	14,950	31,322
Dividends paid	(3,597)	(3,409)
Repurchase of treasury stock		(1,098)
Issuance of common stock	467	678
Reissuance of treasury stock		134
Net cash (used in) provided by financing activities	(28,621)	18,913
Net increase (decrease) in cash and cash equivalents	2,477	(146,025)
CASH AND CASH EQUIVALENTS:
Beginning of period	23,054	244,785
End of period	25,531	98,760
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	10,732	10,482
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	869	890
Deferred tax expense	279	329
Provision for credit losses	(770)	488
Loss on sales of assets	31
Gain on loans sold	(86)	(62)
Stock compensation expense	534	624
Proceeds from sale of loans held for sale	4,591	3,529
Originations of loans held for sale	(4,503)	(3,368)
Changes in assets and liabilities affecting cash flow:
Other assets	(5,408)	(2,267)
Other liabilities	(129)	(2,023)
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 6,140	$ 8,622

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	6 Months Ended
	Jun. 30, 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 six month period ended June 30, 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”).

Securities

Securities	6 Months Ended
	Jun. 30, 2023
Securities [Abstract]
Securities	2. SECURITIES The amortized cost of securities and their approximate fair value at June 30, 2023 and December 31, 2022 were as follows: June 30, 2023 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 160,622 $ - $ ( 23,686 ) $ 136,936 States and political subdivisions 22,716 1 ( 1,528 ) 21,189 Total debt securities 183,338 1 ( 25,214 ) 158,125 Mortgage-backed securities: FNMA $ 74,130 $ - $ ( 12,496 ) $ 61,634 FHLMC 45,897 - ( 6,591 ) 39,306 GNMA 39,387 - ( 7,675 ) 31,712 SBA 21,623 - ( 2,600 ) 19,023 CMO 52,028 - ( 10,233 ) 41,795 Total mortgage-backed securities $ 233,065 $ - $ ( 39,595 ) $ 193,470 Total securities designated as available for sale $ 416,403 $ 1 $ ( 64,809 ) $ 351,595 Held to Maturity: Debt securities States and political subdivisions $ 2,241 $ - $ ( 92 ) $ 2,149 Total securities designated as held to maturity $ 2,241 $ - $ ( 92 ) $ 2,149 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 $ 209 million and $ 226 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at June 30, 2022 and December 31, 2022, respectively. The scheduled maturities of debt and mortgage-backed securities at June 30, 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. June 30, 2023 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 5,703 $ 5,581 Due after one year through five years 86,952 80,186 Due after five years through ten years 61,692 51,962 Due after ten years 28,991 20,396 $ 183,338 $ 158,125 Mortgage-backed securities available for sale $ 233,065 $ 193,470 Total $ 416,403 $ 351,595 Debt securities held to maturity: Due in one year or less $ 1,532 $ 1,527 Due after one year through five years 333 305 Due after five years through ten years 376 317 Due after ten years - - Total $ 2,241 $ 2,149 Contractual maturities of the Company’s mortgage-backed securities generally exceed ten years ; however, the effective lives may be significantly shorter due to prepayments of the underlying loans and due to the nature of these securities. There were no gross realized gains or losses from sales of investment securities for the three and six month periods ended June 30, 2023 and 2022. Management has assessed the securities available for sale in an unrealized loss position at June 30, 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 has no t recorded any other-than-temporary impairment (“OTTI”) charges during the six month period ended June 30, 2023 and did no t record any OTTI charges during 2022. The credit worthiness of the Company’s securities portfolio is largely reliant on the ability of U.S. government sponsored agencies such as Federal Home Loan Bank (“FHLB”), Federal National Mortgage Association (“FNMA”), Government National Mortgage Association (“GNMA”), and Federal Home Loan Mortgage Corporation (“FHLMC”), and municipalities throughout New York State to meet their obligations. In addition, dysfunctional markets could materially alter the liquidity, interest rate, and pricing risk of the portfolio. Past performance is not a guarantee for similar performance of the Company’s securities portfolio in future periods. Information regarding unrealized losses within the Company’s available for sale securities at June 30, 2023 and December 31, 2022 is summarized below. June 30, 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 $ 7,781 $ ( 219 ) $ 129,155 $ ( 23,467 ) $ 136,936 $ ( 23,686 ) States and political subdivisions 2,310 ( 91 ) 17,923 ( 1,437 ) 20,233 ( 1,528 ) Total debt securities 10,091 ( 310 ) 147,078 ( 24,904 ) 157,169 ( 25,214 ) Mortgage-backed securities: FNMA $ 574 $ ( 24 ) $ 61,060 $ ( 12,472 ) $ 61,634 $ ( 12,496 ) FHLMC 7,739 ( 345 ) 31,567 ( 6,246 ) 39,306 ( 6,591 ) GNMA 93 ( 3 ) 31,619 ( 7,672 ) 31,712 ( 7,675 ) SBA - - 19,023 ( 2,600 ) 19,023 ( 2,600 ) CMO 6,504 ( 266 ) 35,291 ( 9,967 ) 41,795 ( 10,233 ) Total mortgage-backed securities $ 14,910 $ ( 638 ) $ 178,560 $ ( 38,957 ) $ 193,470 $ ( 39,595 ) Held to Maturity: Debt securities: States and political subdivisions $ 1,478 $ ( 5 ) $ 671 $ ( 87 ) $ 2,149 $ ( 92 ) Total temporarily impaired securities $ 26,479 $ ( 953 ) $ 326,309 $ ( 63,948 ) $ 352,788 $ ( 64,901 ) 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	6 Months Ended
	Jun. 30, 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: June 30, 2023 December 31, 2022 Mortgage loans on real estate: (in thousands) Residential mortgages $ 438,081 $ 440,123 Commercial and multi-family 801,062 778,714 Construction-Residential 3,183 3,626 Construction-Commercial 118,963 117,403 Home equities 80,528 82,414 Total real estate loans 1,441,817 1,422,280 Commercial and industrial loans 228,302 250,069 Consumer and other loans 1,227 572 Unaccreted yield adjustments* ( 593 ) ( 552 ) Total gross loans 1,670,753 1,672,369 Allowance for credit losses ( 21,368 ) ( 19,438 ) Loans, net $ 1,649,385 $ 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 June 30, 2023 and December 31, 2022, respectively. There were no valuation allowances for specifically identified impairment attributable to acquired credit-impaired loans at June 30, 2023 or December 31, 2022. There were $ 594 million and $ 495 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of June 30, 2023 and December 31, 2022, respectively. The Company may also sell certain fixed rate residential mortgages to FNMA, FHLMC and FHLB while maintaining the servicing rights for those mortgages. At June 30, 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. In the three month and six month periods ended June 30, 2023, the Company sold $ 2.9 million and $ 4.6 million, respectively, of residential mortgages. In the three month and six month periods ended June 30, 2022, the Company sold $ 0.6 million and $ 3.5 million, respectively, of residential mortgages. The fair value of the mortgage servicing rights for that portfolio was $ 1.1 million at both June 30, 2023 and December 31, 2022. There were no residential mortgages held for sale at June 30, 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 credit 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 June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial loans Risk rating Pass $ 10,210 $ 40,898 $ 27,245 $ 9,464 $ 6,502 $ 7,562 $ 98,867 $ 200,748 Special Mention 317 8,859 445 4,891 877 2,104 5,336 22,829 Substandard - 3 4 22 53 941 3,705 4,728 Doubtful/Loss - - - - - - - - Total $ 10,527 $ 49,760 $ 27,694 $ 14,377 $ 7,432 $ 10,607 $ 107,908 $ 228,305 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate mortgages Risk rating Pass $ 50,416 $ 202,641 $ 173,515 $ 95,499 $ 69,887 $ 283,278 $ - $ 875,236 Special Mention - 1,256 405 1,547 10,163 9,946 - 23,317 Substandard - - 12,069 201 7,092 3,373 - 22,735 Doubtful/Loss - - - - - - - - Total $ 50,416 $ 203,897 $ 185,989 $ 97,247 $ 87,142 $ 296,597 $ - $ 921,288 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Consumer and other Payment performance Performing $ 245 $ 246 $ 34 $ 21 $ 19 $ 33 $ 137 $ 735 Nonperforming - - - - - - - - Total $ 245 $ 246 $ 34 $ 21 $ 19 $ 33 $ 137 $ 735 Current period gross writeoffs $ 62 $ 17 $ - $ - $ - $ - $ - $ 79 Residential mortgages Payment performance Performing $ 14,912 $ 73,992 $ 103,982 $ 71,910 $ 18,405 $ 154,383 $ - $ 437,584 Nonperforming 126 146 168 233 92 2,935 - 3,700 Total $ 15,038 $ 74,138 $ 104,150 $ 72,143 $ 18,497 $ 157,318 $ - $ 441,284 Current period gross writeoffs $ - $ - $ - $ 1 $ - $ - $ - $ 1 Home equities Payment performance Performing $ 6,246 $ 3,140 $ 657 $ 639 $ 639 $ 2,321 $ 65,194 $ 78,836 Nonperforming - - - - - 3 302 305 Total $ 6,246 $ 3,140 $ 657 $ 639 $ 639 $ 2,324 $ 65,496 $ 79,141 Current period gross writeoffs $ - $ - $ - $ - $ - $ 25 $ - $ 25 The amortized cost of criticized assets of $ 74 million included $ 20 million of loans in the Company’s hotel loan portfolio at June 30, 2023. At December 31, 2022 the amortized cost of criticized assets was $ 93 million including $ 29 million of loans in the Company’s hotel loan portfolio. 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: June 30, 2023 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 226,270 $ 53 $ - $ - $ 1,982 $ 228,305 Residential real estate: Residential 432,490 - 1,911 - 3,700 438,101 Construction 3,183 - - - - 3,183 Commercial real estate: Commercial 787,565 1,327 810 6,569 6,055 802,326 Construction 105,522 4,205 - 875 8,360 118,962 Home equities 78,039 652 145 - 305 79,141 Consumer and other 729 3 2 1 - 735 Total Loans $ 1,633,798 $ 6,240 $ 2,868 $ 7,445 $ 20,402 $ 1,670,753 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 of 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 individually analyzed 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 considers 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 judgement 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 tables present the activity in the allowance for credit losses according to portfolio segment for the three month periods ended June 30, 2023 and 2022. Three months ended June 30, 2023 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit (in thousands) losses: Beginning balance $ 5,267 $ 12,554 $ 4 $ 3,378 $ 320 $ 21,523 Charge-offs - - ( 49 ) ( 1 ) ( 25 ) ( 75 ) Recoveries 20 - 16 - - 36 Provision ( 314 ) 79 36 88 ( 5 ) ( 116 ) Ending balance $ 4,973 $ 12,633 $ 7 $ 3,465 $ 290 $ 21,368 *Includes construction loans Three months ended June 30, 2022 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit (in thousands) losses: Beginning balance $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 Charge-offs ( 7 ) - ( 27 ) ( 55 ) - ( 89 ) Recoveries 19 - 4 - - 23 Provision 14 26 49 102 76 267 Ending balance $ 3,714 $ 12,305 $ 70 $ 2,164 $ 566 $ 18,819 * Includes construction loans The following tables present the activity in the allowance for credit losses according to portfolio segment for the six month periods ended June 30, 2023 and 2022. Six months ended June 30, 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 - - ( 79 ) ( 1 ) ( 25 ) ( 105 ) Recoveries 51 - 19 - - 70 Provision ( 382 ) ( 107 ) 61 ( 254 ) ( 88 ) ( 770 ) Ending balance $ 4,973 $ 12,633 $ 7 $ 3,465 $ 290 $ 21,368 *Includes construction loans Six months ended June 30, 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 ( 31 ) - ( 67 ) ( 55 ) - ( 153 ) Recoveries 36 - 10 - - 46 Provision 400 ( 62 ) 73 92 ( 15 ) 488 Ending balance $ 3,714 $ 12,305 $ 70 $ 2,164 $ 566 $ 18,819 *Includes construction loans The following tables present the allowance for credit losses and recorded investment on loans by segment as of June 30, 2023 and December 31, 2022: June 30, 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 - 179 - 7 - 186 Collectively evaluated for impairment 4,973 12,454 7 3,458 290 21,182 Total $ 4,973 $ 12,633 $ 7 $ 3,465 $ 290 $ 21,368 Loans: Ending balance: Individually evaluated for impairment 2,035 17,161 - 4,122 633 23,951 Collectively evaluated for impairment 226,267 902,864 1,227 437,142 79,895 1,647,395 Total $ 228,302 $ 920,025 $ 1,227 $ 441,264 $ 80,528 $ 1,671,346 * Includes construction loans 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 * Includes construction loans The Company’s reserve for off-balance sheet credit exposures was not material at June 30, 2023 and upon adoption of ASU 2016-13, Financial 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: Six Months Ended June 30, 2023 January 1, 2023 June 30, 2023 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ - $ 1,982 $ 1,982 $ 2,625 $ 12 Residential real estate: Residential 93 3,607 3,700 3,738 12 Construction - - - - - Commercial real estate: Commercial - 6,055 6,055 6,648 72 Construction 1,268 7,092 8,360 8,765 - Home equities - 305 305 563 - Consumer and other - - - - - Total nonaccrual loans $ 1,361 $ 19,041 $ 20,402 $ 22,339 $ 96 Six Months Ended June 30, 2022 January 1, 2022 June 30, 2022 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ 448 $ 451 $ 899 $ 4,919 $ 4 Residential real estate: Residential 30 13,893 13,923 3,020 12 Construction - - - - - Commercial real estate: Commercial 199 4,430 4,629 5,758 177 Construction - 108 108 2,942 - Home equities 196 2,241 2,437 755 10 Consumer and other - - - - - Total nonaccrual loans $ 873 $ 21,123 $ 21,996 $ 17,394 $ 203 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. There were no modifications made to borrowers experiencing financial difficulty during the three months ended June 30, 2023. The table below details the amortized cost of gross loans held for investment made to borrowers experiencing financial difficulty that were modified during the six months ended June 30, 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 six months ended June 30, 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 June 30, 2023, the Company did no t have any loans made to borrowers experiencing financial difficulty that were modified during the first six months 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 six months of 2023 was current as of June 30, 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 June 30, 2022 the Company modified one loan that was determined to be a troubled debt restructuring, a commercial and industrial loan with an outstanding balance of $ 461 thousand that included an extension of maturity. During the first six months of 2022, the Company modified two loans that were determined to be troubled debt restructurings, a home equity loan with an outstanding balance of $ 38 thousand that included extension of maturity and interest rate reduction concessions and a commercial and industrial loan with an outstanding balance of $ 461 thousand that included an extension of maturity.

Common Equity And Earnings Per

Common Equity And Earnings Per Share Data	6 Months Ended
	Jun. 30, 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 and six month periods ended June 30, 2023 the Company had an average of 6,565 and 19,835 dilutive shares outstanding, respectively. For the three and six month periods ended June 30, 2022 the Company had an average of 37,695 and 44,722 dilutive shares outstanding, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and not included in calculating diluted earnings per share. There was an average of 85,312 and 86,392 potentially anti-dilutive shares outstanding for the three and six month periods ended June 30, 2023, respectively, that were not included in calculating diluted earnings per share because their effect was anti-dilutive.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	6 Months Ended
	Jun. 30, 2023
Other Comprehensive Income (Loss) [Abstract]
Other Comprehensive Income (Loss)	5. OTHER COMPREHENSIVE INCOME (LOSS) The following tables summarize the changes in the components of accumulated other comprehensive income (loss) during the three and six month periods ended June 30, 2023 and 2022: Balance at March 31, 2023 Net Change Balance at June 30, 2023 (in thousands) Net unrealized loss on investment securities $ ( 43,713 ) $ ( 4,294 ) $ ( 48,007 ) Net defined benefit pension plan adjustments ( 1,910 ) 20 ( 1,890 ) Total $ ( 45,623 ) $ ( 4,274 ) $ ( 49,897 ) Balance at March 31, 2022 Net Change Balance at June 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 19,865 ) $ ( 12,033 ) $ ( 31,898 ) Net defined benefit pension plan adjustments ( 2,456 ) 55 ( 2,401 ) Total $ ( 22,321 ) $ ( 11,978 ) $ ( 34,299 ) Balance at December 31, 2022 Net Change Balance at June 30, 2023 (in thousands) Net unrealized loss on investment securities $ ( 47,348 ) $ ( 659 ) $ ( 48,007 ) Net defined benefit pension plan adjustments ( 1,930 ) 40 ( 1,890 ) Total $ ( 49,278 ) $ ( 619 ) $ ( 49,897 ) Balance at December 31, 2021 Net Change Balance at June 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 28,738 ) $ ( 31,898 ) Net defined benefit pension plan adjustments ( 2,511 ) 110 ( 2,401 ) Total $ ( 5,671 ) $ ( 28,628 ) $ ( 34,299 ) Three months ended June 30, 2023 Three months ended June 30, 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 loss on investment securities: Unrealized loss on investment securities $ ( 5,802 ) $ 1,508 $ ( 4,294 ) $ ( 16,243 ) $ 4,210 $ ( 12,033 ) Defined benefit pension plan adjustments: Amortization of prior service cost - - - 8 ( 3 ) 5 Amortization of actuarial loss 27 ( 7 ) 20 67 ( 17 ) 50 Net change 27 ( 7 ) 20 75 ( 20 ) 55 Other comprehensive (loss) income $ ( 5,775 ) $ 1,501 $ ( 4,274 ) $ ( 16,168 ) $ 4,190 $ ( 11,978 ) Six months ended June 30, 2023 Six months ended June 30, 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 loss on investment securities: Unrealized loss on investment securities $ ( 918 ) $ 259 $ ( 659 ) $ ( 38,780 ) $ 10,042 $ ( 28,738 ) Defined benefit pension plan adjustments: Amortization of prior service cost - - - 16 ( 6 ) 10 Amortization of actuarial loss 54 ( 14 ) 40 135 ( 35 ) 100 Net change 54 ( 14 ) 40 151 ( 41 ) 110 Other comprehensive (loss) income $ ( 864 ) $ 245 $ ( 619 ) $ ( 38,629 ) $ 10,001 $ ( 28,628 )

Net Periodic Benefit Costs

Net Periodic Benefit Costs	6 Months Ended
	Jun. 30, 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 and six month periods ended June 30, 2023 and 2022: Three months ended June 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2023 2022 2023 2022 Service cost $ - $ - $ 36 $ 33 Interest cost 63 45 63 31 Expected return on plan assets ( 67 ) ( 88 ) - - Amortization of prior service cost - - - 8 Amortization of the net loss 27 23 - 44 Net periodic (benefit) cost $ 23 $ ( 20 ) $ 99 $ 116 Six months ended June 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2023 2022 2023 2022 Service cost $ - $ - $ 72 $ 66 Interest cost 125 89 125 62 Expected return on plan assets ( 134 ) ( 176 ) - - Amortization of prior service cost - - - 16 Amortization of the net loss 54 47 - 88 Net periodic (benefit) cost $ 45 $ ( 40 ) $ 197 $ 232 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	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 2023 and 2022 is provided in the tables below: Three months ended June 30, 2023 2022 (in thousands) Commercial property and casualty insurance commissions $ 1,164 $ 1,031 Personal property and casualty insurance commissions 999 930 Employee benefits sales commissions 167 209 Profit sharing and contingent revenue 198 191 Wealth management and other financial services 162 179 Other insurance-related revenue 30 27 Total insurance service and other fees $ 2,720 $ 2,567 Six months ended June 30, 2023 2022 (in thousands) Commercial property and casualty insurance commissions $ 2,053 $ 1,819 Personal property and casualty insurance commissions 1,738 1,653 Employee benefits sales commissions 361 443 Profit sharing and contingent revenue 626 561 Wealth management and other financial services 288 320 Other insurance-related revenue 83 70 Total insurance service and other fees $ 5,149 $ 4,866

Fair Value Measurement

Fair Value Measurement	6 Months Ended
	Jun. 30, 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 June 30, 2023 and December 31, 2022, respectively: (in thousands) Level 1 Level 2 Level 3 Fair Value June 30, 2023 Securities available-for-sale: US treasuries and government agencies $ - $ 136,936 $ - $ 136,936 States and political subdivisions - 21,189 - 21,189 Mortgage-backed securities - 193,470 - 193,470 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 June 30, 2023 and December 31, 2022: (in thousands) Level 1 Level 2 Level 3 Fair Value June 30, 2023 Collateral dependent impaired loans $ - $ - $ 1,168 $ 1,168 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 individually analyzed 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 $ 1.4 million, with an allowance for credit loss of $ 0.2 million, at June 30, 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. June 30, 2023 December 31, 2022 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 25,531 $ 25,531 $ 23,054 $ 23,054 Level 2: Available for sale securities 351,595 351,595 364,326 364,326 FHLB and FRB stock 7,026 N/A 13,511 N/A Level 3: Held to maturity securities 2,241 2,149 6,949 6,809 Loans, net 1,649,385 1,571,996 1,652,931 1,564,641 Financial liabilities: Level 1: Demand deposits $ 442,195 $ 442,195 $ 493,710 $ 493,710 NOW deposits 303,159 303,159 273,359 273,359 Savings deposits 726,687 726,687 801,943 801,943 Level 2: Securities sold under agreement to repurchase 19,185 19,185 7,147 7,147 Other borrowed funds 140,386 139,678 193,001 192,443 Subordinated debt 31,126 30,060 31,075 30,263 Level 3: Time deposits 314,574 310,117 202,667 199,910

Segment Information

Segment Information	6 Months Ended
	Jun. 30, 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 and six month periods ended June 30, 2023 and 2022. Three months ended June 30, 2023 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 15,681 $ - $ 15,681 Provision for credit losses ( 116 ) - ( 116 ) Net interest income after provision for credit losses 15,797 - 15,797 Insurance service and fees 153 2,567 2,720 Other non-interest income 1,981 - 1,981 Amortization expense 5 95 100 Other non-interest expense 12,225 1,847 14,072 Income before income taxes 5,701 625 6,326 Income tax provision 1,241 153 1,394 Net income $ 4,460 $ 472 $ 4,932 Three months ended June 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 18,052 $ - $ 18,052 Provision for credit losses 267 - 267 Net interest income after provision for credit losses 17,785 - 17,785 Insurance service and fees 169 2,398 2,567 Other non-interest income 2,045 - 2,045 Amortization expense 5 95 100 Other non-interest expense 12,885 1,799 14,684 Income before income taxes 7,109 504 7,613 Income tax provision 1,748 131 1,879 Net income $ 5,361 $ 373 $ 5,734 Six months ended June 30, 2023 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 33,006 $ - $ 33,006 Provision for credit losses ( 770 ) - ( 770 ) Net interest income after provision for credit losses 33,776 - 33,776 Insurance service and fees 276 4,873 5,149 Other non-interest income 3,665 - 3,665 Amortization expense 10 190 200 Other non-interest expense 24,782 3,692 28,474 Income before income taxes 12,925 991 13,916 Income tax provision 2,948 236 3,184 Net income $ 9,977 $ 755 $ 10,732 Six months ended June 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 34,553 $ - $ 34,553 Provision for credit losses 488 - 488 Net interest income after provision for credit losses 34,065 - 34,065 Insurance service and fees 308 4,558 4,866 Other non-interest income 4,177 - 4,177 Amortization expense 10 190 200 Other non-interest expense 25,387 3,657 29,044 Income before income taxes 13,153 711 13,864 Income tax provision 3,197 185 3,382 Net income $ 9,956 $ 526 $ 10,482

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	6 Months Ended
	Jun. 30, 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: June 30, December 31, 2023 2022 (in thousands) Commitments to extend credit $ 439,445 $ 376,167 Standby letters of credit 2,848 3,673 Total $ 442,293 $ 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 six 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	6 Months Ended
	Jun. 30, 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 June 30, 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)	6 Months Ended
	Jun. 30, 2023
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And General	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.
Recent Accounting Pronouncements And Developments	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.

Revenue Recognition Of Non-In_2

Revenue Recognition Of Non-Interest Income (Policy)	6 Months Ended
	Jun. 30, 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)	6 Months Ended
	Jun. 30, 2023
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	June 30, 2023 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 160,622 $ - $ ( 23,686 ) $ 136,936 States and political subdivisions 22,716 1 ( 1,528 ) 21,189 Total debt securities 183,338 1 ( 25,214 ) 158,125 Mortgage-backed securities: FNMA $ 74,130 $ - $ ( 12,496 ) $ 61,634 FHLMC 45,897 - ( 6,591 ) 39,306 GNMA 39,387 - ( 7,675 ) 31,712 SBA 21,623 - ( 2,600 ) 19,023 CMO 52,028 - ( 10,233 ) 41,795 Total mortgage-backed securities $ 233,065 $ - $ ( 39,595 ) $ 193,470 Total securities designated as available for sale $ 416,403 $ 1 $ ( 64,809 ) $ 351,595 Held to Maturity: Debt securities States and political subdivisions $ 2,241 $ - $ ( 92 ) $ 2,149 Total securities designated as held to maturity $ 2,241 $ - $ ( 92 ) $ 2,149 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	June 30, 2023 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 5,703 $ 5,581 Due after one year through five years 86,952 80,186 Due after five years through ten years 61,692 51,962 Due after ten years 28,991 20,396 $ 183,338 $ 158,125 Mortgage-backed securities available for sale $ 233,065 $ 193,470 Total $ 416,403 $ 351,595 Debt securities held to maturity: Due in one year or less $ 1,532 $ 1,527 Due after one year through five years 333 305 Due after five years through ten years 376 317 Due after ten years - - Total $ 2,241 $ 2,149
Unrealized Losses On Securities	June 30, 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 $ 7,781 $ ( 219 ) $ 129,155 $ ( 23,467 ) $ 136,936 $ ( 23,686 ) States and political subdivisions 2,310 ( 91 ) 17,923 ( 1,437 ) 20,233 ( 1,528 ) Total debt securities 10,091 ( 310 ) 147,078 ( 24,904 ) 157,169 ( 25,214 ) Mortgage-backed securities: FNMA $ 574 $ ( 24 ) $ 61,060 $ ( 12,472 ) $ 61,634 $ ( 12,496 ) FHLMC 7,739 ( 345 ) 31,567 ( 6,246 ) 39,306 ( 6,591 ) GNMA 93 ( 3 ) 31,619 ( 7,672 ) 31,712 ( 7,675 ) SBA - - 19,023 ( 2,600 ) 19,023 ( 2,600 ) CMO 6,504 ( 266 ) 35,291 ( 9,967 ) 41,795 ( 10,233 ) Total mortgage-backed securities $ 14,910 $ ( 638 ) $ 178,560 $ ( 38,957 ) $ 193,470 $ ( 39,595 ) Held to Maturity: Debt securities: States and political subdivisions $ 1,478 $ ( 5 ) $ 671 $ ( 87 ) $ 2,149 $ ( 92 ) Total temporarily impaired securities $ 26,479 $ ( 953 ) $ 326,309 $ ( 63,948 ) $ 352,788 $ ( 64,901 ) 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)	6 Months Ended
	Jun. 30, 2023
Loans And The Allowance For Credit Losses [Abstract]
Schedule Of Loan Portfolio Composition	June 30, 2023 December 31, 2022 Mortgage loans on real estate: (in thousands) Residential mortgages $ 438,081 $ 440,123 Commercial and multi-family 801,062 778,714 Construction-Residential 3,183 3,626 Construction-Commercial 118,963 117,403 Home equities 80,528 82,414 Total real estate loans 1,441,817 1,422,280 Commercial and industrial loans 228,302 250,069 Consumer and other loans 1,227 572 Unaccreted yield adjustments* ( 593 ) ( 552 ) Total gross loans 1,670,753 1,672,369 Allowance for credit losses ( 21,368 ) ( 19,438 ) Loans, net $ 1,649,385 $ 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 June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial loans Risk rating Pass $ 10,210 $ 40,898 $ 27,245 $ 9,464 $ 6,502 $ 7,562 $ 98,867 $ 200,748 Special Mention 317 8,859 445 4,891 877 2,104 5,336 22,829 Substandard - 3 4 22 53 941 3,705 4,728 Doubtful/Loss - - - - - - - - Total $ 10,527 $ 49,760 $ 27,694 $ 14,377 $ 7,432 $ 10,607 $ 107,908 $ 228,305 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate mortgages Risk rating Pass $ 50,416 $ 202,641 $ 173,515 $ 95,499 $ 69,887 $ 283,278 $ - $ 875,236 Special Mention - 1,256 405 1,547 10,163 9,946 - 23,317 Substandard - - 12,069 201 7,092 3,373 - 22,735 Doubtful/Loss - - - - - - - - Total $ 50,416 $ 203,897 $ 185,989 $ 97,247 $ 87,142 $ 296,597 $ - $ 921,288 Current period gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Consumer and other Payment performance Performing $ 245 $ 246 $ 34 $ 21 $ 19 $ 33 $ 137 $ 735 Nonperforming - - - - - - - - Total $ 245 $ 246 $ 34 $ 21 $ 19 $ 33 $ 137 $ 735 Current period gross writeoffs $ 62 $ 17 $ - $ - $ - $ - $ - $ 79 Residential mortgages Payment performance Performing $ 14,912 $ 73,992 $ 103,982 $ 71,910 $ 18,405 $ 154,383 $ - $ 437,584 Nonperforming 126 146 168 233 92 2,935 - 3,700 Total $ 15,038 $ 74,138 $ 104,150 $ 72,143 $ 18,497 $ 157,318 $ - $ 441,284 Current period gross writeoffs $ - $ - $ - $ 1 $ - $ - $ - $ 1 Home equities Payment performance Performing $ 6,246 $ 3,140 $ 657 $ 639 $ 639 $ 2,321 $ 65,194 $ 78,836 Nonperforming - - - - - 3 302 305 Total $ 6,246 $ 3,140 $ 657 $ 639 $ 639 $ 2,324 $ 65,496 $ 79,141 Current period gross writeoffs $ - $ - $ - $ - $ - $ 25 $ - $ 25
Recorded Investment In Loans Past Due	June 30, 2023 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 226,270 $ 53 $ - $ - $ 1,982 $ 228,305 Residential real estate: Residential 432,490 - 1,911 - 3,700 438,101 Construction 3,183 - - - - 3,183 Commercial real estate: Commercial 787,565 1,327 810 6,569 6,055 802,326 Construction 105,522 4,205 - 875 8,360 118,962 Home equities 78,039 652 145 - 305 79,141 Consumer and other 729 3 2 1 - 735 Total Loans $ 1,633,798 $ 6,240 $ 2,868 $ 7,445 $ 20,402 $ 1,670,753 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	Three months ended June 30, 2023 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit (in thousands) losses: Beginning balance $ 5,267 $ 12,554 $ 4 $ 3,378 $ 320 $ 21,523 Charge-offs - - ( 49 ) ( 1 ) ( 25 ) ( 75 ) Recoveries 20 - 16 - - 36 Provision ( 314 ) 79 36 88 ( 5 ) ( 116 ) Ending balance $ 4,973 $ 12,633 $ 7 $ 3,465 $ 290 $ 21,368 *Includes construction loans Three months ended June 30, 2022 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for credit (in thousands) losses: Beginning balance $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 Charge-offs ( 7 ) - ( 27 ) ( 55 ) - ( 89 ) Recoveries 19 - 4 - - 23 Provision 14 26 49 102 76 267 Ending balance $ 3,714 $ 12,305 $ 70 $ 2,164 $ 566 $ 18,819 * Includes construction loans The following tables present the activity in the allowance for credit losses according to portfolio segment for the six month periods ended June 30, 2023 and 2022. Six months ended June 30, 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 - - ( 79 ) ( 1 ) ( 25 ) ( 105 ) Recoveries 51 - 19 - - 70 Provision ( 382 ) ( 107 ) 61 ( 254 ) ( 88 ) ( 770 ) Ending balance $ 4,973 $ 12,633 $ 7 $ 3,465 $ 290 $ 21,368 *Includes construction loans Six months ended June 30, 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 ( 31 ) - ( 67 ) ( 55 ) - ( 153 ) Recoveries 36 - 10 - - 46 Provision 400 ( 62 ) 73 92 ( 15 ) 488 Ending balance $ 3,714 $ 12,305 $ 70 $ 2,164 $ 566 $ 18,819 *Includes construction loans The following tables present the allowance for credit losses and recorded investment on loans by segment as of June 30, 2023 and December 31, 2022: June 30, 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 - 179 - 7 - 186 Collectively evaluated for impairment 4,973 12,454 7 3,458 290 21,182 Total $ 4,973 $ 12,633 $ 7 $ 3,465 $ 290 $ 21,368 Loans: Ending balance: Individually evaluated for impairment 2,035 17,161 - 4,122 633 23,951 Collectively evaluated for impairment 226,267 902,864 1,227 437,142 79,895 1,647,395 Total $ 228,302 $ 920,025 $ 1,227 $ 441,264 $ 80,528 $ 1,671,346 * Includes construction loans 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
Amortized Costs, At The Class Level, For Nonaccrual Loans	Six Months Ended June 30, 2023 January 1, 2023 June 30, 2023 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ - $ 1,982 $ 1,982 $ 2,625 $ 12 Residential real estate: Residential 93 3,607 3,700 3,738 12 Construction - - - - - Commercial real estate: Commercial - 6,055 6,055 6,648 72 Construction 1,268 7,092 8,360 8,765 - Home equities - 305 305 563 - Consumer and other - - - - - Total nonaccrual loans $ 1,361 $ 19,041 $ 20,402 $ 22,339 $ 96 Six Months Ended June 30, 2022 January 1, 2022 June 30, 2022 Amortized Cost with Allowance Amortized Cost without Allowance Total Amortized Cost Interest Income Recognized (in thousands) Commercial and industrial $ 448 $ 451 $ 899 $ 4,919 $ 4 Residential real estate: Residential 30 13,893 13,923 3,020 12 Construction - - - - - Commercial real estate: Commercial 199 4,430 4,629 5,758 177 Construction - 108 108 2,942 - Home equities 196 2,241 2,437 755 10 Consumer and other - - - - - Total nonaccrual loans $ 873 $ 21,123 $ 21,996 $ 17,394 $ 203
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 (L_2

Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Jun. 30, 2023
Other Comprehensive Income (Loss) [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	Balance at March 31, 2023 Net Change Balance at June 30, 2023 (in thousands) Net unrealized loss on investment securities $ ( 43,713 ) $ ( 4,294 ) $ ( 48,007 ) Net defined benefit pension plan adjustments ( 1,910 ) 20 ( 1,890 ) Total $ ( 45,623 ) $ ( 4,274 ) $ ( 49,897 ) Balance at March 31, 2022 Net Change Balance at June 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 19,865 ) $ ( 12,033 ) $ ( 31,898 ) Net defined benefit pension plan adjustments ( 2,456 ) 55 ( 2,401 ) Total $ ( 22,321 ) $ ( 11,978 ) $ ( 34,299 ) Balance at December 31, 2022 Net Change Balance at June 30, 2023 (in thousands) Net unrealized loss on investment securities $ ( 47,348 ) $ ( 659 ) $ ( 48,007 ) Net defined benefit pension plan adjustments ( 1,930 ) 40 ( 1,890 ) Total $ ( 49,278 ) $ ( 619 ) $ ( 49,897 ) Balance at December 31, 2021 Net Change Balance at June 30, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 28,738 ) $ ( 31,898 ) Net defined benefit pension plan adjustments ( 2,511 ) 110 ( 2,401 ) Total $ ( 5,671 ) $ ( 28,628 ) $ ( 34,299 )
Components Of Other Comprehensive Income (Loss)	Three months ended June 30, 2023 Three months ended June 30, 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 loss on investment securities: Unrealized loss on investment securities $ ( 5,802 ) $ 1,508 $ ( 4,294 ) $ ( 16,243 ) $ 4,210 $ ( 12,033 ) Defined benefit pension plan adjustments: Amortization of prior service cost - - - 8 ( 3 ) 5 Amortization of actuarial loss 27 ( 7 ) 20 67 ( 17 ) 50 Net change 27 ( 7 ) 20 75 ( 20 ) 55 Other comprehensive (loss) income $ ( 5,775 ) $ 1,501 $ ( 4,274 ) $ ( 16,168 ) $ 4,190 $ ( 11,978 ) Six months ended June 30, 2023 Six months ended June 30, 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 loss on investment securities: Unrealized loss on investment securities $ ( 918 ) $ 259 $ ( 659 ) $ ( 38,780 ) $ 10,042 $ ( 28,738 ) Defined benefit pension plan adjustments: Amortization of prior service cost - - - 16 ( 6 ) 10 Amortization of actuarial loss 54 ( 14 ) 40 135 ( 35 ) 100 Net change 54 ( 14 ) 40 151 ( 41 ) 110 Other comprehensive (loss) income $ ( 864 ) $ 245 $ ( 619 ) $ ( 38,629 ) $ 10,001 $ ( 28,628 )

Net Periodic Benefit Costs (Tab

Net Periodic Benefit Costs (Tables)	6 Months Ended
	Jun. 30, 2023
Net Periodic Benefit Costs [Abstract]
Schedule Of Net Periodic Benefit Cost	Three months ended June 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2023 2022 2023 2022 Service cost $ - $ - $ 36 $ 33 Interest cost 63 45 63 31 Expected return on plan assets ( 67 ) ( 88 ) - - Amortization of prior service cost - - - 8 Amortization of the net loss 27 23 - 44 Net periodic (benefit) cost $ 23 $ ( 20 ) $ 99 $ 116 Six months ended June 30, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2023 2022 2023 2022 Service cost $ - $ - $ 72 $ 66 Interest cost 125 89 125 62 Expected return on plan assets ( 134 ) ( 176 ) - - Amortization of prior service cost - - - 16 Amortization of the net loss 54 47 - 88 Net periodic (benefit) cost $ 45 $ ( 40 ) $ 197 $ 232

Revenue Recognition Of Non-In_3

Revenue Recognition Of Non-Interest Income (Tables)	6 Months Ended
	Jun. 30, 2023
Revenue Recognition Of Non-Interest Income [Abstract]
Schedule Of Disaggregation Of Insurance Service And Other Fees	Three months ended June 30, 2023 2022 (in thousands) Commercial property and casualty insurance commissions $ 1,164 $ 1,031 Personal property and casualty insurance commissions 999 930 Employee benefits sales commissions 167 209 Profit sharing and contingent revenue 198 191 Wealth management and other financial services 162 179 Other insurance-related revenue 30 27 Total insurance service and other fees $ 2,720 $ 2,567 Six months ended June 30, 2023 2022 (in thousands) Commercial property and casualty insurance commissions $ 2,053 $ 1,819 Personal property and casualty insurance commissions 1,738 1,653 Employee benefits sales commissions 361 443 Profit sharing and contingent revenue 626 561 Wealth management and other financial services 288 320 Other insurance-related revenue 83 70 Total insurance service and other fees $ 5,149 $ 4,866

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	6 Months Ended
	Jun. 30, 2023
Fair Value Measurement [Abstract]
Financial Instruments Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value June 30, 2023 Securities available-for-sale: US treasuries and government agencies $ - $ 136,936 $ - $ 136,936 States and political subdivisions - 21,189 - 21,189 Mortgage-backed securities - 193,470 - 193,470 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 June 30, 2023 Collateral dependent impaired loans $ - $ - $ 1,168 $ 1,168 December 31, 2022 Collateral dependent impaired loans $ - $ - $ 1,170 $ 1,170
Estimated Fair Values Of Financial Instruments	June 30, 2023 December 31, 2022 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 25,531 $ 25,531 $ 23,054 $ 23,054 Level 2: Available for sale securities 351,595 351,595 364,326 364,326 FHLB and FRB stock 7,026 N/A 13,511 N/A Level 3: Held to maturity securities 2,241 2,149 6,949 6,809 Loans, net 1,649,385 1,571,996 1,652,931 1,564,641 Financial liabilities: Level 1: Demand deposits $ 442,195 $ 442,195 $ 493,710 $ 493,710 NOW deposits 303,159 303,159 273,359 273,359 Savings deposits 726,687 726,687 801,943 801,943 Level 2: Securities sold under agreement to repurchase 19,185 19,185 7,147 7,147 Other borrowed funds 140,386 139,678 193,001 192,443 Subordinated debt 31,126 30,060 31,075 30,263 Level 3: Time deposits 314,574 310,117 202,667 199,910

Segment Information (Tables)

Segment Information (Tables)	6 Months Ended
	Jun. 30, 2023
Segment Information [Abstract]
Schedule Of Business Segments	Three months ended June 30, 2023 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 15,681 $ - $ 15,681 Provision for credit losses ( 116 ) - ( 116 ) Net interest income after provision for credit losses 15,797 - 15,797 Insurance service and fees 153 2,567 2,720 Other non-interest income 1,981 - 1,981 Amortization expense 5 95 100 Other non-interest expense 12,225 1,847 14,072 Income before income taxes 5,701 625 6,326 Income tax provision 1,241 153 1,394 Net income $ 4,460 $ 472 $ 4,932 Three months ended June 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 18,052 $ - $ 18,052 Provision for credit losses 267 - 267 Net interest income after provision for credit losses 17,785 - 17,785 Insurance service and fees 169 2,398 2,567 Other non-interest income 2,045 - 2,045 Amortization expense 5 95 100 Other non-interest expense 12,885 1,799 14,684 Income before income taxes 7,109 504 7,613 Income tax provision 1,748 131 1,879 Net income $ 5,361 $ 373 $ 5,734 Six months ended June 30, 2023 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 33,006 $ - $ 33,006 Provision for credit losses ( 770 ) - ( 770 ) Net interest income after provision for credit losses 33,776 - 33,776 Insurance service and fees 276 4,873 5,149 Other non-interest income 3,665 - 3,665 Amortization expense 10 190 200 Other non-interest expense 24,782 3,692 28,474 Income before income taxes 12,925 991 13,916 Income tax provision 2,948 236 3,184 Net income $ 9,977 $ 755 $ 10,732 Six months ended June 30, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 34,553 $ - $ 34,553 Provision for credit losses 488 - 488 Net interest income after provision for credit losses 34,065 - 34,065 Insurance service and fees 308 4,558 4,866 Other non-interest income 4,177 - 4,177 Amortization expense 10 190 200 Other non-interest expense 25,387 3,657 29,044 Income before income taxes 13,153 711 13,864 Income tax provision 3,197 185 3,382 Net income $ 9,956 $ 526 $ 10,482

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	6 Months Ended
	Jun. 30, 2023
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	June 30, December 31, 2023 2022 (in thousands) Commitments to extend credit $ 439,445 $ 376,167 Standby letters of credit 2,848 3,673 Total $ 442,293 $ 379,840

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Narrative) (Details) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2023 USD ($) entity	Dec. 31, 2022 USD ($)	Mar. 31, 2023 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Number of subsidiaries | entity	2
Total Stockholders’ Equity	$ 159,484	$ 153,993	$ 158,251	$ 162,675	$ 169,203	$ 183,892
Retained Earnings [Member]
Total Stockholders’ Equity	$ 128,465	123,356	$ 123,533	$ 114,982	$ 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) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities pledged as collateral	$ 209,000,000		$ 209,000,000		$ 226,000,000
Gross realized gains (losses) from sales of investment securities	$ 0	$ 0	0	$ 0
Other-than-temporary impairment charges			$ 0	$ 0
Minimum [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Contractual maturities duration	10 years		10 years

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 416,403	$ 428,216
Available for Sale, Unrealized Gains	1	5
Available for Sale, Unrealized Losses	(64,809)	(63,895)
Available for Sale, Fair Value	351,595	364,326
Held to Maturity, Amortized Cost	2,241	6,949
Held to Maturity, Unrealized Losses	(92)	(140)
Held to Maturity, Fair Value	2,149	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	160,622	165,495
Available for Sale, Unrealized Gains		1
Available for Sale, Unrealized Losses	(23,686)	(24,814)
Available for Sale, Fair Value	136,936	140,682
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	22,716	23,480
Available for Sale, Unrealized Gains	1	4
Available for Sale, Unrealized Losses	(1,528)	(1,662)
Available for Sale, Fair Value	21,189	21,822
Held to Maturity, Amortized Cost	2,241	6,949
Held to Maturity, Unrealized Losses	(92)	(140)
Held to Maturity, Fair Value	2,149	6,809
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	183,338	188,975
Available for Sale, Unrealized Gains	1	5
Available for Sale, Unrealized Losses	(25,214)	(26,476)
Available for Sale, Fair Value	158,125	162,504
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	233,065	239,241
Available for Sale, Unrealized Losses	(39,595)	(37,419)
Available for Sale, Fair Value	193,470	201,822
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	74,130	75,921
Available for Sale, Unrealized Losses	(12,496)	(12,819)
Available for Sale, Fair Value	61,634	63,102
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	45,897	46,922
Available for Sale, Unrealized Losses	(6,591)	(6,695)
Available for Sale, Fair Value	39,306	40,227
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	39,387	40,039
Available for Sale, Unrealized Losses	(7,675)	(6,580)
Available for Sale, Fair Value	31,712	33,459
SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	21,623	22,556
Available for Sale, Unrealized Losses	(2,600)	(2,419)
Available for Sale, Fair Value	19,023	20,137
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	52,028	53,803
Available for Sale, Unrealized Losses	(10,233)	(8,906)
Available for Sale, Fair Value	$ 41,795	$ 44,897

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Debt securities available for sale, Due in one year or less, Amortized cost	$ 5,703
Debt securities available for sale, Due after one year through five years, Amortized cost	86,952
Debt securities available for sale, Due after five years through ten years, Amortized cost	61,692
Debt securities available for sale, Due after ten years, Amortized cost	28,991
Total securities designated as available for sale, Amortized Cost	183,338
Total securities designated as available for sale, Amortized Cost	416,403	$ 428,216
Debt securities available for sale, Due in one year or less, Estimated fair value	5,581
Debt securities available for sale, Due after one year through five years, Estimated fair value	80,186
Debt securities available for sale, Due after five years through ten years, Estimated fair value	51,962
Debt securities available for sale, Due after ten years, Estimated fair value	20,396
Debt securities available for sale, Estimated fair value	158,125
$159,157 at December 31, 2021)	351,595	364,326
Debt securities held to maturity, Due in one year or less, Amortized cost	1,532
Debt securities held to maturity, Due after one year through five years, Amortized cost	333
Debt securities held to maturity, Due after five years through ten years, Amortized cost	376
Held to Maturity, Amortized Cost	2,241	6,949
Debt securities held to maturity, Due in one year or less, Estimated fair value	1,527
Debt securities held to maturity, Due after one year through five years, Estimated fair value	305
Debt securities held to maturity, Due after five years through ten years, Estimated fair value	317
Held to maturity, Estimated fair value	2,149	6,809
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	183,338	188,975
$159,157 at December 31, 2021)	158,125	162,504
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities available for sale, Amortized cost	233,065
Total securities designated as available for sale, Amortized Cost	233,065	239,241
Mortgage-backed securities available for sale, Estimated fair value	193,470
$159,157 at December 31, 2021)	$ 193,470	$ 201,822

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 26,479	$ 168,675
Total temporarily impaired securities, 12 months or longer, Fair Value	326,309	199,595
Total temporarily impaired securities, Total, Fair Value	352,788	368,270
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(953)	(15,505)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(63,948)	(48,530)
Total temporarily impaired securities, Total, Unrealized Losses	(64,901)	(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	7,781	68,292
Available for Sale, 12 months or longer, Fair Value	129,155	71,389
Available for Sale, Total, Fair Value	136,936	139,681
Available for Sale, Less than 12 months, Unrealized Losses	(219)	(5,929)
Available for Sale, 12 months or longer, Unrealized Losses	(23,467)	(18,885)
Available for Sale, Total, Unrealized Losses	(23,686)	(24,814)
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	2,310	19,540
Available for Sale, 12 months or longer, Fair Value	17,923	418
Available for Sale, Total, Fair Value	20,233	19,958
Available for Sale, Less than 12 months, Unrealized Losses	(91)	(1,645)
Available for Sale, 12 months or longer, Unrealized Losses	(1,437)	(17)
Available for Sale, Total, Unrealized Losses	(1,528)	(1,662)
Held To Maturity, Less than 12 months, Fair Value	1,478	6,627
Held To Maturity, 12 months or longer, Fair Value	671	182
Held To Maturity, Total, Fair Value	2,149	6,809
Held To Maturity, Less than 12 months, Unrealized Losses	(5)	(118)
Held To Maturity, 12 months or longer, Unrealized Losses	(87)	(22)
Held To Maturity, Total, Unrealized Losses	(92)	(140)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	10,091	87,832
Available for Sale, 12 months or longer, Fair Value	147,078	71,807
Available for Sale, Total, Fair Value	157,169	159,639
Available for Sale, Less than 12 months, Unrealized Losses	(310)	(7,574)
Available for Sale, 12 months or longer, Unrealized Losses	(24,904)	(18,902)
Available for Sale, Total, Unrealized Losses	(25,214)	(26,476)
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	14,910	74,216
Available for Sale, 12 months or longer, Fair Value	178,560	127,606
Available for Sale, Total, Fair Value	193,470	201,822
Available for Sale, Less than 12 months, Unrealized Losses	(638)	(7,813)
Available for Sale, 12 months or longer, Unrealized Losses	(38,957)	(29,606)
Available for Sale, Total, Unrealized Losses	(39,595)	(37,419)
FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	574	23,242
Available for Sale, 12 months or longer, Fair Value	61,060	39,860
Available for Sale, Total, Fair Value	61,634	63,102
Available for Sale, Less than 12 months, Unrealized Losses	(24)	(3,081)
Available for Sale, 12 months or longer, Unrealized Losses	(12,472)	(9,738)
Available for Sale, Total, Unrealized Losses	(12,496)	(12,819)
FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	7,739	11,927
Available for Sale, 12 months or longer, Fair Value	31,567	28,300
Available for Sale, Total, Fair Value	39,306	40,227
Available for Sale, Less than 12 months, Unrealized Losses	(345)	(790)
Available for Sale, 12 months or longer, Unrealized Losses	(6,246)	(5,905)
Available for Sale, Total, Unrealized Losses	(6,591)	(6,695)
GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	93	10,763
Available for Sale, 12 months or longer, Fair Value	31,619	22,696
Available for Sale, Total, Fair Value	31,712	33,459
Available for Sale, Less than 12 months, Unrealized Losses	(3)	(1,298)
Available for Sale, 12 months or longer, Unrealized Losses	(7,672)	(5,282)
Available for Sale, Total, Unrealized Losses	(7,675)	(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	19,023	3,141
Available for Sale, Total, Fair Value	19,023	20,137
Available for Sale, Less than 12 months, Unrealized Losses		(1,971)
Available for Sale, 12 months or longer, Unrealized Losses	(2,600)	(448)
Available for Sale, Total, Unrealized Losses	(2,600)	(2,419)
CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	6,504	11,288
Available for Sale, 12 months or longer, Fair Value	35,291	33,609
Available for Sale, Total, Fair Value	41,795	44,897
Available for Sale, Less than 12 months, Unrealized Losses	(266)	(673)
Available for Sale, 12 months or longer, Unrealized Losses	(9,967)	(8,233)
Available for Sale, Total, Unrealized Losses	$ (10,233)	$ (8,906)

Loans And The Allowance For C_3

Loans And The Allowance For Credit Losses (Narrative) (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item	Dec. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding principal balance	$ 800,000		$ 800,000
Acquired credit-impaired loans	700,000		700,000
Valuation allowances, acquired credit-impaired loans	0		0		$ 0
Provision Credit For Loan Losses	(116,000)	$ 267,000	(770,000)	$ 488,000
Total criticized assets increase	$ 74,000,000		$ 74,000,000		93,000,000
Financing receivable modifications, experiencing financial difficulty, number of loans | item	0		0
Loan commitments to lend additional funds to debtors	$ 0		$ 0
Number of loan modifications | item		1	0	2
Principal balances on loan modification			$ 104,000
Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	441,284,000		441,284,000
Residential Mortgages [Member] | Nonaccruing [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	921,288,000		921,288,000
Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	79,141,000		79,141,000
Provision Credit For Loan Losses				$ (15,000)
Principal balances on loan modification				38,000
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	228,305,000		228,305,000
Principal balances on loan modification		$ 461,000		461,000
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	735,000		735,000
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision Credit For Loan Losses	(116,000)	267,000	(770,000)	488,000
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision Credit For Loan Losses	88,000	102,000	(254,000)	92,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold		600,000	4,600,000	3,500,000
Loan servicing portfolio principal balance	115,000,000		115,000,000		116,000,000
Mortgage servicing rights	1,100,000		1,100,000		1,100,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FNMA Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	2,900,000
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision Credit For Loan Losses	79,000	26,000	(107,000)	(62,000)
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision Credit For Loan Losses	(5,000)	76,000	(88,000)
Total Real Estate Loans [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision Credit For Loan Losses	(314,000)	14,000	(382,000)	400,000
Total Real Estate Loans [Member] | Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision Credit For Loan Losses	36,000	$ 49,000	61,000	$ 73,000
Total Real Estate Loans [Member] | FHLBNY [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	594,000,000		594,000,000		495,000,000
Hotel Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total criticized assets increase	$ 20,000,000		$ 20,000,000		$ 29,000,000
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	Jun. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unaccreted yield adjustments	$ (593)	$ (552)
Total gross loans	1,670,753	1,672,369
Allowance for loan losses	(21,368)	(19,438)
Loans, net	1,649,385	1,652,931
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	228,302	250,069
Total gross loans	228,305	250,095
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	1,227	572
Total gross loans	735	657
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	1,671,346	1,672,921
Total Real Estate Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	1,441,817	1,422,280
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	441,264	443,749
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	438,081	440,123
Total gross loans	438,101	439,708
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	3,183	3,626
Total gross loans	3,183	3,502
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	920,025	896,117
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	801,062	778,714
Total gross loans	802,326	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	118,963	117,403
Total gross loans	118,962	117,782
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	80,528	82,414
Total gross loans	79,141	80,948
Total Real Estate Loans [Member] | Home Equity Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	80,528	82,414
Total Real Estate Loans [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	228,302	250,069
Total Real Estate Loans [Member] | Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$ 1,227	$ 572

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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs	$ 75	$ 89	$ 105	$ 153
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10,527		10,527
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	49,760		49,760
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	27,694		27,694
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	14,377		14,377
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7,432		7,432
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	10,607		10,607
Financing Receivable, Revolving	107,908		107,908
Total Past Due	228,305		228,305
Commercial And Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10,210		10,210
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	40,898		40,898
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	27,245		27,245
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	9,464		9,464
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,502		6,502
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	7,562		7,562
Financing Receivable, Revolving	98,867		98,867
Total Past Due	200,748		200,748
Commercial And Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	317		317
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	8,859		8,859
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	445		445
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	4,891		4,891
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	877		877
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,104		2,104
Financing Receivable, Revolving	5,336		5,336
Total Past Due	22,829		22,829
Commercial And Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3		3
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	4		4
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	22		22
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	53		53
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	941		941
Financing Receivable, Revolving	3,705		3,705
Total Past Due	4,728		4,728
Commercial And Industrial [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs		7		31
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	50,416		50,416
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	203,897		203,897
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	185,989		185,989
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	97,247		97,247
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	87,142		87,142
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	296,597		296,597
Total Past Due	921,288		921,288
Commercial Real Estate Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	50,416		50,416
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	202,641		202,641
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	173,515		173,515
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	95,499		95,499
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	69,887		69,887
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	283,278		283,278
Total Past Due	875,236		875,236
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	1,256		1,256
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	405		405
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,547		1,547
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	10,163		10,163
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	9,946		9,946
Total Past Due	23,317		23,317
Commercial Real Estate Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	12,069		12,069
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	201		201
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7,092		7,092
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,373		3,373
Total Past Due	22,735		22,735
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	245		245
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	246		246
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	34		34
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	21		21
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	19		19
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	33		33
Financing Receivable, Revolving	137		137
Total Past Due	735		735
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff			62
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			17
Financing Receivable, Allowance for Credit Losses, Charge-offs			79
Consumer And Other Loans [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	245		245
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	246		246
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	34		34
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	21		21
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	19		19
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	33		33
Financing Receivable, Revolving	137		137
Total Past Due	735		735
Consumer And Other Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs	49	27	79	67
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	15,038		15,038
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	74,138		74,138
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	104,150		104,150
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	72,143		72,143
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	18,497		18,497
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	157,318		157,318
Total Past Due	441,284		441,284
Residential Mortgages [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	14,912		14,912
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	73,992		73,992
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	103,982		103,982
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	71,910		71,910
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	18,405		18,405
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	154,383		154,383
Total Past Due	437,584		437,584
Residential Mortgages [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	126		126
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	146		146
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	168		168
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	233		233
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	92		92
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,935		2,935
Total Past Due	3,700		3,700
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs	1	55	1	$ 55
Home Equity Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	6,246		6,246
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,140		3,140
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	657		657
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	639		639
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	639		639
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,324		2,324
Financing Receivable, Revolving	65,496		65,496
Total Past Due	79,141		79,141
Home Equity Loans [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	6,246		6,246
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,140		3,140
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	657		657
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	639		639
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	639		639
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,321		2,321
Financing Receivable, Revolving	65,194		65,194
Total Past Due	78,836		78,836
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	3		3
Financing Receivable, Revolving	302		302
Total Past Due	305		305
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Allowance for Credit Losses, Charge-offs	$ 25		$ 25

Loans And The Allowance For C_6

Loans And The Allowance For Credit Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	$ 20,402	$ 22,339	$ 21,996	$ 17,394
Loans	1,670,753	1,672,369
Unaccreted yield adjustments	(593)	(552)
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1,633,798	1,643,519
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	6,240	3,185
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2,868	891
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	7,445	2,435
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	228,305
Non-accruing Loans	1,982	2,625	899	4,919
Loans	228,305	250,095
Commercial And Industrial [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	226,270	246,412
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	53	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	441,284
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	921,288
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	79,141
Non-accruing Loans	305	563	2,437	755
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	735
Loans	735	657
Consumer And Other Loans [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	729	652
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3	3
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2	1
Consumer And Other Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1	1
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	6,055	6,648	4,629	5,758
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	305	563
Loans	79,141	80,948
Total Real Estate Loans [Member] | Home Equity Loans [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	78,039	79,320
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	652	759
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	145	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	3,700	3,738	13,923	3,020
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	3,700	3,738
Loans	438,101	439,708
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	432,490	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		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	1,911
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	6,055	6,648
Loans	802,326	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	787,565	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	1,327	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	810
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	6,569	75
Construction [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	8,360	8,765	$ 108	$ 2,942
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	3,183	3,502
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,183	3,502
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accruing Loans	8,360	8,765
Loans	118,962	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	105,522	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	4,205
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 875	$ 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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Provision (Credit)	$ (116)	$ 267	$ (770)	$ 488
Unaccreted yield adjustments	(593)		(593)		$ (552)
Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	21,523	18,618	19,438	18,438
Allowance for credit losses: Charge-offs	(75)	(89)	(105)	(153)
Allowance for credit losses: Recoveries	36	23	70	46
Allowance for credit losses: Provision (Credit)	(116)	267	(770)	488
Allowance for credit losses: Ending balance	21,368	18,819	21,368	18,819
Allowance for credit losses: Individually evaluated for impairment	186		186		356
Allowance for credit losses: Collectively evaluated for impairment	21,182		21,182		19,082
Allowance for credit losses: Total	21,368	18,819	21,368	18,819	19,438
Loans: Loans acquired with deteriorated credit quality					687
Loans: Individually evaluated for impairment	23,951		23,951		25,810
Loans: Collectively evaluated for impairment	1,647,395		1,647,395		1,646,424
Total	1,671,346		1,671,346		1,672,921
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	228,302		228,302		250,069
Commercial And Industrial [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	5,267	3,688	4,980	3,309
Allowance for credit losses: Charge-offs		(7)		(31)
Allowance for credit losses: Recoveries	20	19	51	36
Allowance for credit losses: Provision (Credit)	(314)	14	(382)	400
Allowance for credit losses: Ending balance	4,973	3,714	4,973	3,714
Allowance for credit losses: Collectively evaluated for impairment	4,973		4,973		4,980
Allowance for credit losses: Total	4,973	3,714	4,973	3,714	4,980
Loans: Individually evaluated for impairment	2,035		2,035		2,697
Loans: Collectively evaluated for impairment	226,267		226,267		247,372
Total	228,302		228,302		250,069
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	12,554	12,279	11,595	12,367
Allowance for credit losses: Charge-offs
Allowance for credit losses: Recoveries
Allowance for credit losses: Provision (Credit)	79	26	(107)	(62)
Allowance for credit losses: Ending balance	12,633	12,305	12,633	12,305
Allowance for credit losses: Individually evaluated for impairment	179		179		251
Allowance for credit losses: Collectively evaluated for impairment	12,454		12,454		11,344
Allowance for credit losses: Total	12,633	12,305	12,633	12,305	11,595
Loans: Individually evaluated for impairment	17,161		17,161		18,144
Loans: Collectively evaluated for impairment	902,864		902,864		877,973
Total	920,025		920,025		896,117
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Charge-offs			(79)
Total	1,227		1,227		572
Consumer And Other Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	4	44	153	54
Allowance for credit losses: Charge-offs	(49)	(27)	(79)	(67)
Allowance for credit losses: Recoveries	16	4	19	10
Allowance for credit losses: Provision (Credit)	36	49	61	73
Allowance for credit losses: Ending balance	7	70	7	70
Allowance for credit losses: Collectively evaluated for impairment	7		7		153
Allowance for credit losses: Total	7	70	7	70	153
Loans: Collectively evaluated for impairment	1,227		1,227		572
Total	1,227		1,227		572
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	3,378	2,117	2,102	2,127
Allowance for credit losses: Charge-offs	(1)	(55)	(1)	(55)
Allowance for credit losses: Recoveries
Allowance for credit losses: Provision (Credit)	88	102	(254)	92
Allowance for credit losses: Ending balance	3,465	2,164	3,465	2,164
Allowance for credit losses: Individually evaluated for impairment	7		7		28
Allowance for credit losses: Collectively evaluated for impairment	3,458		3,458		2,074
Allowance for credit losses: Total	3,465	2,164	3,465	2,164	2,102
Loans: Loans acquired with deteriorated credit quality					687
Loans: Individually evaluated for impairment	4,122		4,122		4,020
Loans: Collectively evaluated for impairment	437,142		437,142		439,042
Total	441,264		441,264		443,749
Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance				581
Allowance for credit losses: Provision (Credit)				(15)
Allowance for credit losses: Ending balance		566		566
Allowance for credit losses: Total		566		566
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses: Beginning balance	320	490	608
Allowance for credit losses: Charge-offs	(25)		(25)
Allowance for credit losses: Recoveries
Allowance for credit losses: Provision (Credit)	(5)	76	(88)
Allowance for credit losses: Ending balance	290	566	290	566
Allowance for credit losses: Individually evaluated for impairment					77
Allowance for credit losses: Collectively evaluated for impairment	290		290		531
Allowance for credit losses: Total	290	$ 566	290	$ 566	608
Loans: Individually evaluated for impairment	633		633		949
Loans: Collectively evaluated for impairment	79,895		79,895		81,465
Total	$ 80,528		80,528		82,414
Cumulative Effect, Period of Adoption, Adjustment [Member] | Total Real Estate Loans [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] | Total Real Estate Loans [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] | Total Real Estate Loans [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] | Total Real Estate 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] | Total Real Estate Loans [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] | Total Real Estate 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] | Total Real Estate Loans [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] | Total Real Estate Loans [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] | Total Real Estate Loans [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] | Total Real Estate 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] | Total Real Estate Loans [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] | Total Real Estate 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 (Amortized Costs, At The Class Level, For Nonaccrual Loans) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	$ 1,361	$ 873
Amortized Cost Without Allowance	19,041	21,123
Non-accruing Loans	20,402	21,996	$ 22,339	$ 17,394
Interest Income Recognized	96	203
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance		448
Amortized Cost Without Allowance	1,982	451
Non-accruing Loans	1,982	899	2,625	4,919
Interest Income Recognized	12	4
Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	93	30
Amortized Cost Without Allowance	3,607	13,893
Non-accruing Loans	3,700	13,923	3,738	3,020
Interest Income Recognized	12	12
Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance	1,268
Amortized Cost Without Allowance	7,092	108
Non-accruing Loans	8,360	108	8,765	2,942
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance		196
Amortized Cost Without Allowance	305	2,241
Non-accruing Loans	305	2,437	563	755
Interest Income Recognized		10
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	3,700		3,738
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Amortized Cost With Allowance		199
Amortized Cost Without Allowance	6,055	4,430
Non-accruing Loans	6,055	4,629	6,648	$ 5,758
Interest Income Recognized	72	$ 177
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	6,055		6,648
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	8,360		8,765
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Non-accruing Loans	$ 305		$ 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	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Financing Receivable, Modifications [Line Items]
Term Extension		$ 104
Total Class of Receivable		0%
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Term Extension	$ 461		$ 461
Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Term Extension			$ 38
Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Term Extension		$ 104
Total Class of Receivable		0%

Loans And The Allowance For _10

Loans And The Allowance For Credit Losses (TDR Activity By Type Of Concession Granted To Borrower) (Details) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2022 USD ($) item	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item
Financing Receivable, Modifications [Line Items]
Number of Contracts | item	1	0	2
Term Extension		$ 104
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Term Extension	$ 461		$ 461
Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Term Extension			$ 38

Common Equity And Earnings Pe_2

Common Equity And Earnings Per Share Data (Narrative) (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Common Equity And Earnings Per Share Data [Abstract]
Weighted average number of shares outstanding, dilutive	6,565	37,695	19,835	44,722
Potentially anti-dilutive shares outstanding	85,312		86,392

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Schedule Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (45,623)	$ (22,321)	$ (49,278)	$ (5,671)
Net Change	(4,274)	(11,978)	(619)	(28,628)
Ending Balance	(49,897)	(34,299)	(49,897)	(34,299)
Net Unrealized Loss On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(43,713)	(19,865)	(47,348)	(3,160)
Net Change	(4,294)	(12,033)	(659)	(28,738)
Ending Balance	(48,007)	(31,898)	(48,007)	(31,898)
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(1,910)	(2,456)	(1,930)	(2,511)
Net Change	20	55	40	110
Ending Balance	$ (1,890)	$ (2,401)	$ (1,890)	$ (2,401)

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Components Of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Unrealized loss on investment securities:
Unrealized loss on investment securities, Before-Tax Amount	$ (5,802)	$ (16,243)	$ (918)	$ (38,780)
Unrealized loss on investment securities, Income Tax (Provision) Benefit	1,508	4,210	259	10,042
Unrealized loss on investment securities, Net-of-Tax Amount	(4,294)	(12,033)	(659)	(28,738)
Defined benefit pension plan adjustments:
Amortization of prior service cost, Before-Tax Amount		8		16
Amortization of prior service cost, Income Tax (Provision) Benefit		(3)		(6)
Amortization of prior service cost, Net-of-Tax Amount		5		10
Amortization of actuarial loss, Before-Tax Amount	27	67	54	135
Amortization of actuarial loss, Income Tax (Provision) Benefit	(7)	(17)	(14)	(35)
Amortization of actuarial loss, Net-of-Tax Amount	20	50	40	100
Net change, Before-Tax Amount	27	75	54	151
Net change, Income Tax (Provision) Benefit	(7)	(20)	(14)	(41)
Total	20	55	40	110
Other comprehensive (loss) income, Before-Tax Amount	(5,775)	(16,168)	(864)	(38,629)
Other comprehensive (loss) income, Income Tax (Provision) Benefit	1,501	4,190	245	10,001
OTHER COMPREHENSIVE (LOSS) INCOME , NET OF TAX:	$ (4,274)	$ (11,978)	$ (619)	$ (28,628)

Net Periodic Benefit Costs (Sch

Net Periodic Benefit Costs (Schedule Of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 63	$ 45	$ 125	$ 89
Expected return on plan assets	(67)	(88)	(134)	(176)
Amortization of the net loss	27	23	54	47
Net periodic (benefit) cost	23	(20)	45	(40)
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	36	33	72	66
Interest cost	63	31	125	62
Amortization of prior service cost		8		16
Amortization of the net loss		44		88
Net periodic (benefit) cost	$ 99	$ 116	$ 197	$ 232

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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 2,720	$ 2,567	$ 5,149	$ 4,866
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	1,164	1,031	2,053	1,819
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	999	930	1,738	1,653
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	167	209	361	443
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	198	191	626	561
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	162	179	288	320
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 30	$ 27	$ 83	$ 70

Fair Value Measurement (Narrati

Fair Value Measurement (Narrative) (Details) $ in Millions	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Consumer Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans, gross	$ 1.4	$ 1.5
Impaired loans, allowance for loan loss	$ 0.2	$ 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	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 351,595	$ 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	136,936	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	136,936	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	21,189	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	21,189	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	193,470	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	$ 193,470	$ 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	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,168	$ 1,170
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 1,168	$ 1,170

Fair Value Measurement (Estimat

Fair Value Measurement (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 351,595	$ 364,326
Held to maturity securities	2,149	6,809
Demand deposits	442,195	493,710
NOW deposits	303,159	273,359
Savings deposits	726,687	801,943
Time deposits	314,574	202,667
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	25,531	23,054
Demand deposits	442,195	493,710
NOW deposits	303,159	273,359
Savings deposits	726,687	801,943
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	351,595	364,326
FHLB and FRB stock	7,026	13,511
Securities sold under agreement to repurchase	19,185	7,147
Other borrowed funds	140,386	193,001
Subordinated debt	31,126	31,075
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	2,241	6,949
Loans, net	1,649,385	1,652,931
Time deposits	314,574	202,667
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	25,531	23,054
Demand deposits	442,195	493,710
NOW deposits	303,159	273,359
Savings deposits	726,687	801,943
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	351,595	364,326
FHLB and FRB stock
Securities sold under agreement to repurchase	19,185	7,147
Other borrowed funds	139,678	192,443
Subordinated debt	30,060	30,263
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	2,149	6,809
Loans, net	1,571,996	1,564,641
Time deposits	$ 310,117	$ 199,910

Segment Information (Schedule O

Segment Information (Schedule Of Business Segments) (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) segment	Jun. 30, 2022 USD ($)
Number of primary business segments | segment			2
Net interest income	$ 15,681	$ 18,052	$ 33,006	$ 34,553
Provision for credit losses	(116)	267	(770)	488
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	15,797	17,785	33,776	34,065
Insurance service and fees	2,720	2,567	5,149	4,866
Other non-interest income	4,701	4,612	8,814	9,043
Amortization expense	100	100	200	200
Other non-interest expense	14,172	14,784	28,674	29,244
INCOME BEFORE INCOME TAXES	6,326	7,613	13,916	13,864
Income tax provision	1,394	1,879	3,184	3,382
NET INCOME	4,932	5,734	10,732	10,482
Operating Segments [Member]
Net interest income	15,681	18,052	33,006	34,553
Provision for credit losses	(116)	267	(770)	488
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	15,797	17,785	33,776	34,065
Insurance service and fees	2,720	2,567	5,149	4,866
Other non-interest income	1,981	2,045	3,665	4,177
Amortization expense	100	100	200	200
Other non-interest expense	14,072	14,684	28,474	29,044
INCOME BEFORE INCOME TAXES	6,326	7,613	13,916	13,864
Income tax provision	1,394	1,879	3,184	3,382
NET INCOME	4,932	5,734	10,732	10,482
Banking Activities [Member] | Operating Segments [Member]
Net interest income	15,681	18,052	33,006	34,553
Provision for credit losses	(116)	267	(770)	488
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	15,797	17,785	33,776	34,065
Insurance service and fees	153	169	276	308
Other non-interest income	1,981	2,045	3,665	4,177
Amortization expense	5	5	10	10
Other non-interest expense	12,225	12,885	24,782	25,387
INCOME BEFORE INCOME TAXES	5,701	7,109	12,925	13,153
Income tax provision	1,241	1,748	2,948	3,197
NET INCOME	4,460	5,361	9,977	9,956
Insurance Agency Activities [Member] | Operating Segments [Member]
Insurance service and fees	2,567	2,398	4,873	4,558
Amortization expense	95	95	190	190
Other non-interest expense	1,847	1,799	3,692	3,657
INCOME BEFORE INCOME TAXES	625	504	991	711
Income tax provision	153	131	236	185
NET INCOME	$ 472	$ 373	$ 755	$ 526

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 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	Jun. 30, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 442,293	$ 379,840
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	439,445	376,167
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 2,848	$ 3,673

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Jun. 30, 2023	Mar. 31, 2023	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' Equity Attributable to Parent	$ 153,993	$ 159,484	$ 158,251	$ 162,675	$ 169,203	$ 183,892
Retained Earnings [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' Equity Attributable to Parent	123,356	$ 128,465	$ 123,533	$ 114,982	$ 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)