Severn Bancorp (SVBI) 10-Q 9 Nov 20 2020 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Nov. 06, 2020
Document Information [Line Items]
Entity Central Index Key	0000868271
Entity Registrant Name	SEVERN BANCORP INC
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2020
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity File Number	0-49731
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	52-1726127
Entity Address, Address Line One	200 Westgate Circle, Suite 200
Entity Address, City or Town	Annapolis
Entity Address, State or Province	MD
Entity Address, Postal Zip Code	21401
City Area Code	410
Local Phone Number	260-2000
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	SVBI
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		12,817,391

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 3,315	$ 2,892
Federal funds sold and interest-bearing deposits in other banks	139,508	85,301
Cash and cash equivalents	142,823	88,193
Certificates of deposit held for investment	4,828	7,540
Securities available for sale, at fair value	54,205	12,906
Securities held to maturity (fair value of $20,440 and $26,158 at September 30, 2020 and December 31, 2019, respectively)	19,709	25,960
Mortgage loans held for sale, at fair value	21,722	10,910
Loans receivable	660,315	645,685
Allowance for loan losses	(8,675)	(7,138)
Loans, net	651,640	638,547
Real estate acquired through foreclosure	1,010	2,387
Restricted stock investments	1,661	2,431
Premises and equipment, net	21,273	22,144
Accrued interest receivable	2,521	2,458
Deferred income taxes	1,407	1,748
Bank owned life insurance	5,484	5,377
Goodwill	1,104	1,104
Securities purchased not settled	2,499	0
Other assets	7,033	5,214
Total assets	938,919	826,919
Liabilities:
Noninterest bearing	240,498	122,901
Interest-bearing	542,740	538,148
Total deposits	783,238	661,049
Long-term borrowings	20,000	35,000
Subordinated debentures	20,619	20,619
Liability for securities purchased not settled	2,499	0
Accrued expenses and other liabilities	4,286	4,779
Total liabilities	830,642	721,447
Stockholders' Equity:
Common stock, $0.01 par value, 20,000,000 shares authorized; 12,812,976 and 12,810,926 shares issued and outstanding at September 30, 2020 and December 31, 2019, respectively	128	128
Additional paid-in capital	66,060	65,944
Retained earnings	42,108	39,445
Accumulated other comprehensive loss	(19)	(45)
Total stockholders' equity	108,277	105,472
Total liabilities and stockholders' equity	$ 938,919	$ 826,919

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Securities held to maturity, fair value	$ 20,440	$ 26,158
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	12,812,976	12,810,926
Common stock, shares outstanding (in shares)	12,812,976	12,810,926

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest income:
Loans	$ 7,601	$ 9,146	$ 24,017	$ 27,539
Securities	272	224	707	724
Other earning assets	68	484	494	2,358
Total interest income	7,941	9,854	25,218	30,621
Interest expense:
Deposits	1,142	1,732	4,322	5,499
Borrowings and subordinated debentures	269	473	966	1,543
Total interest expense	1,411	2,205	5,288	7,042
Net interest income	6,530	7,649	19,930	23,579
Provision for (reversal of) loan losses	100	(500)	850	(500)
Net interest income after provision for (reversal of) loan losses	6,430	8,149	19,080	24,079
Noninterest income:
Mortgage-banking revenue	2,922	1,108	6,546	2,915
Real estate commissions	416	430	856	1,290
Real estate management fees	150	144	470	470
Deposit service charges	565	565	1,696	1,621
Title company revenue	426	362	890	841
Other noninterest income	234	204	517	551
Total noninterest income	4,713	2,813	10,975	7,688
Noninterest expense:
Compensation and related expenses	6,046	5,065	16,678	14,499
Occupancy	385	379	1,348	1,183
Legal fees	9	59	192	134
Write-downs, losses, and costs of real estate acquired through foreclosure, net of gains	(48)	105	42	254
Federal Deposit Insurance Corporation insurance premiums	52	58	89	177
Professional fees	150	255	624	838
Advertising	254	235	705	635
Data processing	457	414	1,313	1,110
Credit report and appraisal fees	49	69	152	133
Licensing and software	252	266	708	741
Loss on disposal of premises and equipment	0	0	76	0
Other noninterest expense	756	765	2,174	2,229
Total noninterest expense	8,362	7,670	24,101	21,933
Net income before income tax provision	2,781	3,292	5,954	9,834
Income tax provision	883	911	1,754	2,668
Net income	$ 1,898	$ 2,381	$ 4,200	$ 7,166
Net income per common share - basic (in dollars per share)	$ 0.15	$ 0.19	$ 0.33	$ 0.56
Net income per common share - diluted (in dollars per share)	$ 0.15	$ 0.19	$ 0.33	$ 0.56

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Net income	$ 1,898	$ 2,381	$ 4,200	$ 7,166
Other comprehensive income item:
Unrealized holding (losses) gains on available-for-sale securities arising during the period (net of tax (benefit) expense of $(47), $5, $10, and $26)	(124)	8	26	70
Total other comprehensive (loss) income	(124)	8	26	70
Total comprehensive income	$ 1,774	$ 2,389	$ 4,226	$ 7,236

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Unrealized holding gains on available-for-sale securities arising during the period, tax expense	$ (47)	$ 5	$ 10	$ 26

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2018	12,759,576
Balance at Dec. 31, 2018	$ 128	$ 65,538	$ 32,860	$ (73)	$ 98,453
Net income	0	0	7,166	0	7,166
Stock-based compensation	0	109	0	0	109
Dividends paid on common stock	0	0	(1,276)	0	(1,276)
Other comprehensive income (loss)	$ 0	0	0	70	$ 70
Exercise of stock options (in shares)	17,961				17,961
Exercise of stock options	$ 0	97	0	0	$ 97
Balance (in shares) at Sep. 30, 2019	12,777,537
Balance at Sep. 30, 2019	$ 128	65,744	38,750	(3)	104,619
Balance (in shares) at Jun. 30, 2019	12,775,137
Balance at Jun. 30, 2019	$ 128	65,696	36,878	(11)	102,691
Net income	0	0	2,381	0	2,381
Stock-based compensation	0	32	0	0	32
Dividends paid on common stock	0	0	(509)	0	(509)
Other comprehensive income (loss)	$ 0	0	0	8	8
Exercise of stock options (in shares)	2,400
Exercise of stock options	$ 0	16	0	0	16
Balance (in shares) at Sep. 30, 2019	12,777,537
Balance at Sep. 30, 2019	$ 128	65,744	38,750	(3)	104,619
Balance (in shares) at Dec. 31, 2019	12,810,926
Balance at Dec. 31, 2019	$ 128	65,944	39,445	(45)	105,472
Net income	0	0	4,200	0	4,200
Stock-based compensation	0	102	0	0	102
Dividends paid on common stock	0	0	(1,537)	0	(1,537)
Other comprehensive income (loss)	$ 0	0	0	26	$ 26
Exercise of stock options (in shares)	2,050				2,050
Exercise of stock options	$ 0	14	0	0	$ 14
Balance (in shares) at Sep. 30, 2020	12,812,976
Balance at Sep. 30, 2020	$ 128	66,060	42,108	(19)	108,277
Balance (in shares) at Jun. 30, 2020	12,812,976
Balance at Jun. 30, 2020	$ 128	66,026	40,723	105	106,982
Net income	0	0	1,898	0	1,898
Stock-based compensation	0	34	0	0	34
Dividends paid on common stock	0	0	(513)	0	(513)
Other comprehensive income (loss)	$ 0	0	0	(124)	(124)
Balance (in shares) at Sep. 30, 2020	12,812,976
Balance at Sep. 30, 2020	$ 128	$ 66,060	$ 42,108	$ (19)	$ 108,277

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Dividends paid on common stock, per share (in dollars per share)	$ 0.04	$ 0.04	$ 0.12	$ 0.10

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities:
Net income	$ 4,200	$ 7,166
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	1,178	1,061
Amortization of deferred loan fees	(1,587)	(1,403)
Net accretion of premiums and discounts on securities	189	120
Provision for (reversal of) loan losses	850	(500)
Write-downs and losses on real estate acquired through foreclosure, net of gains	80	244
Gain on sale of mortgage loans	(6,546)	(2,915)
Loss on disposal of property	76	0
Proceeds from sale of mortgage loans held for sale	208,479	130,129
Originations of loans held for sale	(212,745)	(135,766)
Stock-based compensation	102	109
Increase in cash surrender value of bank-owned life insurance	(107)	(116)
Deferred income taxes	331	435
(Increase) decrease in accrued interest receivable	(63)	334
Increase in other assets	(1,821)	(2,567)
(Decrease) increase in accrued expenses and other liabilities	(493)	2,874
Net cash used in operating activities	(7,877)	(795)
Cash flows from investing activities:
Redemption of certificates of deposit held for investment	2,712	1,240
Loan principal (disbursements), net of repayments	(12,356)	22,722
Redemption of restricted stock investments	770	1,335
Purchases of premises and equipment, net	(383)	(700)
Activity in securities held to maturity:
Maturities/calls/repayments	6,180	8,535
Activity in available-for-sale securities:
Purchases	(49,602)	0
Maturities/calls/repayments	8,223	3,000
Proceeds from sales of real estate acquired through foreclosure	1,297	107
Net cash (used in) provided by investing activities	(43,159)	36,239
Cash flows from financing activities:
Net increase (decrease) in deposits	122,189	(122,352)
Repayments of long-term borrowings	(15,000)	(35,000)
Common stock dividends	(1,537)	(1,276)
Exercise of stock options	14	97
Net cash provided by (used in) financing activities	105,666	(158,531)
Increase (decrease) in cash and cash equivalents	54,630	(123,087)
Cash and cash equivalents at beginning of period	88,193	188,340
Cash and cash equivalents at end of period	142,823	65,253
Supplemental Noncash Disclosures:
Interest paid on deposits and borrowed funds	5,392	7,148
Income taxes paid	2,421	1,919
Real estate acquired in satisfaction of loans	0	687
Initial recognition of operating lease right-of-use asset	0	2,684
Initial recognition of operating lease liability	0	2,684
Transfers of mortgage loans held for sale to loan portfolio	$ 0	$ 648

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]	Note 1 Basis of Presentation The accounting and reporting policies of Severn Bancorp, Inc. and subsidiaries (the “Company”) conform to accounting principles generally accepted in the United States of America (“U.S.”) (“GAAP”) and prevailing practices within the financial services industry for interim financial information and Rule 8 03 X. not three nine September 30, 2020 not may December 31, 2020 These statements should be read in conjunction with the financial statements and accompanying notes included in the Company’s 2019 10 Principles of Consolidation The unaudited consolidated financial statements include the accounts of Severn Bancorp, Inc., and its wholly-owned subsidiaries, Mid-Maryland Title Company, Inc., SBI Mortgage Company, and Severn Savings Bank, FSB (the “Bank”), along with the Bank’s subsidiaries, Louis Hyatt, Inc., Homeowners Title and Escrow Corporation, Severn Financial Services Corporation, SSB Realty Holdings, LLC, SSB Realty Holdings II, LLC, and HS West, LLC. Also included are the accounts of SBI Mortgage Company’s subsidiary, Crownsville Development Corporation, and its subsidiary, Crownsville Holdings I, LLC. All intercompany accounts and transactions have been eliminated in the accompanying consolidated financial statements. Use of Estimates The preparation of the financial statements requires management to exercise significant judgment or discretion or make significant assumptions and estimates based on the information available that have, or could have, a material impact on the carrying value of certain assets or on income. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the periods presented. The accounting policies we view as critical are those relating to the allowance for loan losses (“Allowance”), the valuation of real estate acquired through foreclosure, and the valuation of deferred tax assets and liabilities. Cash Flows For reporting purposes, assets grouped in the Consolidated Statements of Financial Condition under the captions “Cash and due from banks” and “Federal funds sold and interest-bearing deposits in other banks” are considered cash or cash equivalents. For financial statement purposes, these assets are carried at cost. Federal funds sold and interest-bearing deposits in other banks generally have overnight maturities and are in excess of amounts that would be recoverable under Federal Deposit Insurance Corporation (“FDIC”) insurance. Reclassifications Certain reclassifications have been made to amounts previously reported to conform to current period presentation. COVID- 19 On March 11, 2020, 19” 19 March 3, 2020, 50 1.00% 1.25%. 0% 0.25% March 16, 2020. 19 may 19, Recent Accounting Pronouncements Pronouncements Issued In September 2016, No. 2016 13, Financial Instruments – Credit Losses December 15, 2019, July 2019, January 2023. October, 2019, 2019 05, Financial Instruments – Credit Losses (Topic 326 2019 05 2016 13. 2019 05 825 10 2016 03. 825 10 326 10, Financial Instruments - Credit Losses - Measured at Amortized Costs. not 2016 03. November 2019, 2019 10, Financial Instruments - Credit Losses (Topic 326 815 and Leases (Topic 842 2019 10 326, Financial Instruments - Credit Losses December 15, 2022, We have contracted with a third third third not While we are still in the process of evaluating the impact of the amended guidance on our Consolidated Financial Statements, it is quite possible that the Allowance will increase upon adoption given that the Allowance will be required to cover the full remaining expected life of the portfolio upon adoption, rather than the incurred loss model under current GAAP. The extent of this increase is still being evaluated and will depend on economic conditions and the composition of our loan portfolio at the time of adoption. In November 2019, 2019 11, Codification Improvements to Topic 326, 2019 11 2016 13. 2019 11 2019 04 326 20 35 6 2016 13. In December 2019, No. 2019 12, Simplifying the Accounting for Taxes December 15, 2020. No. 2019 12 not In January 2020, No. 2020 01, Investments – Equity securities (Topic 321 323 815 three December 15, 2020. No. 2020 01 not

Note 2 - Securities

Note 2 - Securities	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 2 The amortized cost and fair values of our available-for-sale (“AFS”) securities portfolio were as follows: September 30, 2020 Amortized Unrealized Unrealized Cost Gains Losses Fair Value (dollars in thousands) U.S. government agency notes $ 6,349 $ 58 $ 23 $ 6,384 Corporate obligations 2,000 — 14 1,986 Mortgage-backed securities 45,882 207 254 45,835 $ 54,231 $ 265 $ 291 $ 54,205 December 31, 2019 Amortized Unrealized Unrealized Cost Gains Losses Fair Value (dollars in thousands) U.S. government agency notes $ 5,017 $ 2 $ — $ 5,019 Mortgage-backed securities 7,951 — 64 7,887 $ 12,968 $ 2 $ 64 $ 12,906 The amortized cost and fair values of our HTM securities portfolio were as follows: September 30, 2020 Amortized Unrealized Unrealized Fair Cost Gains Losses Value (dollars in thousands) U.S. Treasury securities $ 999 $ 4 $ — $ 1,003 U.S. government agency notes 2,985 160 — 3,145 Mortgage-backed securities 15,725 567 — 16,292 $ 19,709 $ 731 $ — $ 20,440 December 31, 2019 Amortized Unrealized Unrealized Fair Cost Gains Losses Value (dollars in thousands) U.S. Treasury securities $ 994 $ 14 $ — $ 1,008 U.S. government agency notes 4,986 100 5 5,081 Mortgage-backed securities 19,980 114 25 20,069 $ 25,960 $ 228 $ 30 $ 26,158 Gross unrealized losses and fair value by length of time that the individual AFS securities have been in an unrealized loss position at the dates indicated are presented in the following tables: September 30, 2020 Less than 12 months 12 months or more Total # of Fair Unrealized # of Fair Unrealized # of Fair Unrealized Securities Value Losses Securities Value Losses Securities Value Losses (dollars in thousands) U.S. government agency notes 3 $ 2,716 $ 23 — $ — $ — 3 $ 2,716 $ 23 Corporate obligations 1 1,986 14 — — — 1 1,986 14 Mortgage-backed securities 30 30,483 254 — — — 30 30,483 254 34 $ 35,185 $ 291 — $ — $ — 34 $ 35,185 $ 291 December 31, 2019 Less than 12 months 12 months or more Total # of Fair Unrealized # of Fair Unrealized # of Fair Unrealized Securities Value Losses Securities Value Losses Securities Value Losses (dollars in thousands) Mortgage-backed securities 7 $ 7,887 $ 64 — $ — $ — 7 $ 7,887 $ 64 7 $ 7,887 $ 64 — $ — $ — 7 $ 7,887 $ 64 Gross unrealized losses and fair value by length of time that the individual HTM securities have been in an unrealized loss position at the dates indicated are presented in the following table as of December 31, 2019 September 30, 2020 Less than 12 months 12 months or more Total # of Fair Unrealized # of Fair Unrealized # of Fair Unrealized Securities Value Losses Securities Value Losses Securities Value Losses (dollars in thousands) U.S. government agency notes — $ — $ — 3 $ 3,003 $ 5 3 3,003 5 Mortgage-backed securities 2 2,544 17 2 1,238 8 4 3,782 25 2 $ 2,544 $ 17 5 $ 4,241 $ 13 7 $ 6,785 $ 30 All of the securities that are currently in a gross unrealized loss position are so due to declines in fair values resulting from changes in interest rates or increased liquidity spreads since the time they were purchased. We have the intent and ability to hold these debt securities to maturity (including the AFS securities) and do not not no Contractual maturities of debt securities at September 30, 2020 may AFS Securities HTM Securities Amortized Fair Amortized Fair Cost Value Cost Value (dollars in thousands) Due in one year or less $ — $ — $ 2,000 $ 2,006 Due after one through five years 155 155 1,984 2,142 Due after five years through ten years 4,728 4,753 — — Due after 10 years 3,466 3,462 — — Mortgage-backed securities 45,882 45,835 15,725 16,292 $ 54,231 $ 54,205 $ 19,709 $ 20,440 We did not three nine September 30, 2020 2019 There were no securities pledged as collateral as of September 30, 2020 December 31, 2019

Note 3 - Loans Receivable and A

Note 3 - Loans Receivable and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 Loans receivable are summarized as follows: September 30, 2020 December 31, 2019 (dollars in thousands) Residential mortgage $ 237,771 $ 269,654 Commercial 88,683 43,127 Commercial real estate 239,570 229,257 Construction, land acquisition, and development 84,392 92,822 Home equity/2nds 12,130 12,031 Consumer 1,436 1,541 Total loans receivable, before net unearned fees 663,982 648,432 Unearned loan fees (3,667 ) (2,747 ) Loans receivable $ 660,315 $ 645,685 Certain loans in the amount of $128.4 million have been pledged under a blanket floating lien to the Federal Home Loan Bank of Atlanta (“FHLB”) as collateral against advances at September 30, 2020 At September 30, 2020 December 31, 2019 not not September 30, 2020 December 31, 2019 Credit Quality An Allowance is provided through charges to income in an amount that management believes will be adequate to absorb losses on existing loans that may may may may September 30, 2020 December 31, 2019 For purposes of determining the Allowance, we have segmented our loan portfolio by product type. Our portfolio loan segments are residential mortgage, commercial, commercial real estate, construction, land acquisition, and development (“ADC”), Home equity/2nds, no Inherent Credit Risks The inherent credit risks within the loan portfolio vary depending upon the loan class as follows: Residential mortgage one four first Commercial may U.S. Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”) - We are participating in the PPP and began origination of such loans that are expected to be 100% 19 September 30, 2020 Commercial real estate may third ADC may may The sources of repayment of these loans is typically permanent financing expected to be obtained upon completion or sales of developed property. These loans are closely monitored by onsite inspections and are considered to be of a higher risk than other real estate loans due to their ultimate repayment being sensitive to general economic conditions, availability of long-term financing, interest rate sensitivity, and governmental regulation of real property. If the Bank is forced to foreclose on a project prior to or at completion due to a default, there can be no may may Home equity/2nds one four equity/2nds second Consumer COVID- 19 19 second 2020. may not may Section 4013 2020 35 not CARES Act Section 4013 2020 35 19, September 30, 2020 one six not The following tables present, by portfolio segment, the changes in the Allowance and the recorded investment in loans: Three Months Ended September 30, 2020 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,422 $ 1,677 $ 1,078 $ 2,789 $ 165 $ — $ 38 $ 8,169 Charge-offs (39 ) — (49 ) — — — — (88 ) Recoveries 453 3 34 — 4 — — 494 Net recoveries (charge-offs) 414 3 (15 ) — 4 — — 406 (Reversal of) provision for loan losses (397 ) 3 506 (10 ) 9 (11 ) 100 Ending Balance $ 2,439 $ 1,683 $ 1,569 $ 2,779 $ 178 $ — $ 27 $ 8,675 Nine Months Ended September 30, 2020 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,264 $ 1,421 $ 984 $ 2,286 $ 134 $ — $ 49 $ 7,138 Charge-offs (39 ) — (49 ) — — (15 ) — (103 ) Recoveries 633 11 136 — 7 3 — 790 Net recoveries (charge-offs) 594 11 87 — 7 (12 ) — 687 (Reversal of) provision for loan losses (419 ) 251 498 493 37 12 (22 ) 850 Ending Balance $ 2,439 $ 1,683 $ 1,569 $ 2,779 $ 178 $ — $ 27 $ 8,675 Ending balance - individually evaluated for impairment $ 577 $ — $ 58 $ 29 $ — $ — $ — $ 664 Ending balance - collectively evaluated for impairment 1,862 1,683 1,511 2,750 178 — 27 8,011 $ 2,439 $ 1,683 $ 1,569 $ 2,779 $ 178 $ — $ 27 $ 8,675 Ending loan balance -individually evaluated for impairment $ 12,144 $ — $ 1,258 $ 317 $ 508 $ 64 $ 14,291 Ending loan balance -collectively evaluated for impairment 225,627 88,683 238,312 84,075 11,622 1,372 649,691 $ 237,771 $ 88,683 $ 239,570 $ 84,392 $ 12,130 $ 1,436 $ 663,982 December 31, 2019 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Ending balance - individually evaluated for impairment $ 752 $ — $ 64 $ 32 $ 2 $ — $ — $ 850 Ending balance - collectively evaluated for impairment 1,512 1,421 920 2,254 132 — 49 6,288 $ 2,264 $ 1,421 $ 984 $ 2,286 $ 134 $ — $ 49 $ 7,138 Ending loan balance - individually evaluated for impairment $ 11,517 $ — $ 1,221 $ 880 $ 563 $ 69 $ 14,250 Ending loan balance - collectively evaluated for impairment 258,137 43,127 228,036 91,942 11,468 1,472 634,182 $ 269,654 $ 43,127 $ 229,257 $ 92,822 $ 12,031 $ 1,541 $ 648,432 Three Months Ended September 30, 2019 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,566 $ 1,566 $ 792 $ 2,683 $ 223 $ — $ 263 $ 8,093 Charge-offs — — (199 ) — — (2 ) — (201 ) Recoveries 3 — 30 — 3 3 — 39 Net recoveries (charge-offs) 3 — (169 ) — 3 1 — (162 ) (Reversal of) provision for loan losses (182 ) (54 ) 346 (370 ) — (1 ) (239 ) (500 ) Ending Balance $ 2,387 $ 1,512 $ 969 $ 2,313 $ 226 $ — $ 24 $ 7,431 Nine Months Ended September 30, 2019 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,224 $ 2,736 $ 457 $ 2,239 $ 222 $ 1 $ 165 $ 8,044 Charge-offs (20 ) — (199 ) — — (14 ) — (233 ) Recoveries 11 — 97 — 9 3 — 120 Net (charge-offs) recoveries (9 ) — (102 ) — 9 (11 ) — (113 ) Provision for (reversal of) loan losses 172 (1,224 ) 614 74 (5 ) 10 (141 ) (500 ) Ending Balance $ 2,387 $ 1,512 $ 969 $ 2,313 $ 226 $ — $ 24 $ 7,431 Ending balance - individually evaluated for impairment $ 799 $ — $ 65 $ 32 $ 2 $ — $ — $ 898 Ending balance - collectively evaluated for impairment 1,588 1,512 904 2,281 224 — 24 6,533 $ 2,387 $ 1,512 $ 969 $ 2,313 $ 226 $ — $ 24 $ 7,431 Ending loan balance - individually evaluated for impairment $ 11,272 $ — $ 1,685 $ 729 $ 579 $ 71 $ 14,336 Ending loan balance - collectively evaluated for impairment 260,064 44,774 239,079 92,621 11,351 1,474 649,363 $ 271,336 $ 44,774 $ 240,764 $ 93,350 $ 11,930 $ 1,545 $ 663,699 The following tables present the credit quality breakdown of our loan portfolio by class: September 30, 2020 Special Pass Mention Substandard Total (dollars in thousands) Residential mortgage $ 232,055 $ — $ 5,716 $ 237,771 Commercial 87,483 1,200 — 88,683 Commercial real estate 237,630 855 1,085 239,570 ADC 83,919 — 473 84,392 Home equity/2nds 12,017 — 113 12,130 Consumer 1,436 — — 1,436 $ 654,540 $ 2,055 $ 7,387 $ 663,982 December 31, 2019 Special Pass Mention Substandard Total (dollars in thousands) Residential mortgage $ 265,510 $ — $ 4,144 $ 269,654 Commercial 41,927 1,200 — 43,127 Commercial real estate 225,363 2,835 1,059 229,257 ADC 92,304 — 518 92,822 Home equity/2nds 11,490 402 139 12,031 Consumer 1,541 — — 1,541 $ 638,135 $ 4,437 $ 5,860 $ 648,432 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans: September 30, 2020 Past Due 30 59 60 89 90+ Non- Days Days Days Total Current Total Accrual (dollars in thousands) Residential mortgage $ 445 $ 49 $ 4,648 $ 5,142 $ 232,629 $ 237,771 $ 5,356 Commercial — — — — 88,683 88,683 — Commercial real estate 6 — 288 294 239,276 239,570 288 ADC — — — — 84,392 84,392 66 Home equity/2nds 61 — 113 174 11,956 12,130 122 Consumer — — — — 1,436 1,436 — $ 512 $ 49 $ 5,049 $ 5,610 $ 658,372 $ 663,982 $ 5,832 December 31, 2019 Past Due 30 59 60 89 90+ Non- Days Days Days Total Current Total Accrual (dollars in thousands) Residential mortgage $ 3,183 $ 81 $ 2,200 $ 5,464 $ 264,190 $ 269,654 $ 3,766 Commercial — — — — 43,127 43,127 — Commercial real estate — — 126 126 229,131 229,257 237 ADC — 89 — 89 92,733 92,822 89 Home equity/2nds — — 139 139 11,892 12,031 150 Consumer — 15 — 15 1,526 1,541 — $ 3,183 $ 185 $ 2,465 $ 5,833 $ 642,599 $ 648,432 $ 4,242 We did not 90 September 30, 2020 December 31, 2019 The interest which would have been recorded on the above nonaccrual loans if those loans had been performing in accordance with their contractual terms was approximately $595,000 and $440,000 for the nine September 30, 2020 2019 nine September 30, 2020 2019 The following tables summarize impaired loans: September 30, 2020 December 31, 2019 Unpaid Unpaid Principal Recorded Related Principal Recorded Related Balance Investment Allowance Balance Investment Allowance With no related Allowance: (dollars in thousands) Residential mortgage $ 9,289 $ 8,984 $ — $ 7,258 $ 7,035 $ — Commercial — — — — — — Commercial real estate 764 714 — 908 668 — ADC 219 214 — 752 752 — Home equity/2nds 924 508 — 996 553 — Consumer 64 64 — 69 69 — With a related Allowance: Residential mortgage 3,284 3,160 577 4,604 4,482 752 Commercial — — — — — — Commercial real estate 544 544 58 553 553 64 ADC 103 103 29 128 128 32 Home equity/2nds — — — 12 10 2 Consumer — — — — — — Totals: Residential mortgage 12,573 12,144 577 11,862 11,517 752 Commercial — — — — — — Commercial real estate 1,308 1,258 58 1,461 1,221 64 ADC 322 317 29 880 880 32 Home equity/2nds 924 508 — 1,008 563 2 Consumer 64 64 — 69 69 — Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 Average Interest Average Interest Average Interest Average Interest Recorded Income Recorded Income Recorded Income Recorded Income Investment Recognized Investment Recognized Investment Recognized Investment Recognized With no related Allowance: (dollars in thousands) Residential mortgage $ 8,767 $ 72 $ 6,355 $ 57 $ 8,616 $ 206 $ 6,797 $ 198 Commercial — — — — — — — — Commercial real estate 767 9 1,259 15 764 30 1,215 52 ADC 226 3 599 8 217 10 925 22 Home equity/2nds 337 7 574 11 320 21 775 32 Consumer 81 1 68 1 64 2 52 4 With a related Allowance: Residential mortgage 3,721 28 4,943 66 3,701 100 5,532 206 Commercial — — — — — — 108 — Commercial real estate 546 5 561 6 544 24 660 25 ADC 104 1 130 2 103 3 133 6 Home equity/2nds — — 11 — — — 17 1 Consumer — — 3 — — — 22 — Totals: Residential mortgage 12,488 100 11,298 123 12,317 306 12,329 404 Commercial — — — — — — 108 — Commercial real estate 1,313 14 1,820 21 1,308 54 1,875 77 ADC 330 4 729 10 320 13 1,058 28 Home equity/2nds 337 7 585 11 320 21 792 33 Consumer 81 1 71 1 64 2 74 4 There were $1.4 million in consumer mortgage properties included in real estate acquired through foreclosure at December 31, 2019 September 30, 2020 September 30, 2020 December 31, 2019 TDRs See discussion above in this Note regarding the CARES Act relating to loan modifications during the COVID- 19 Our portfolio of TDRs was accounted for under the following methods: September 30, 2020 Total Total Number of Accrual Number of Nonaccrual Number of Balance of Modifications Status Modifications Status Modifications Modifications (dollars in thousands) Residential mortgage 26 $ 6,716 1 $ 80 27 $ 6,796 Commercial real estate 2 969 — — 2 969 ADC 1 129 — — 1 129 Consumer 1 64 — — 1 64 30 $ 7,878 1 $ 80 31 $ 7,958 December 31, 2019 Total Total Number of Accrual Number of Nonaccrual Number of Balance of Modifications Status Modifications Status Modifications Modifications (dollars in thousands) Residential mortgage 31 $ 7,675 1 $ 85 32 $ 7,760 Commercial real estate 2 984 — — 2 984 ADC 1 130 — — 1 130 Consumer 2 69 — — 2 69 36 $ 8,858 1 $ 85 37 $ 8,943 We did not three nine September 30, 2020 2019 There were no TDRs that defaulted during the three nine September 30, 2020 2019 12

Note 4 - Regulatory Matters

Note 4 - Regulatory Matters	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 4 The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on our financial condition. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. In July 2013, January 1, 2015, January 1, 2019. not not may one The Basel III rules also establish a “capital conservation buffer” of 2.5% 1 As a result of the Economic Growth, Regulatory Relief, and Consumer Protection Act, the federal banking agencies have developed a “Community Bank Leverage Ratio” (the ratio of a bank’s tier 1 $10 9%. January 1, 2020. 8% second 2020. 8.5% 2021 9% January 1, 2022. As of the date of our last regulatory exam, the Bank was considered “well capitalized” and as of September 30, 2020 The Bank’s regulatory capital amounts and ratios were as follows: Minimum Minimum To be Well Requirements Requirements Capitalized Under for Capital Adequacy with Capital Prompt Corrective Actual Purposes Conservation Buffer Action Provision Amount Ratio Amount Ratio Amount Ratio Amount Ratio September 30, 2020 (dollars in thousands) Community bank leverage ratio $ 120,056 13.6 % 61,822 7.0 % N/A N/A $ 70,654 8.0 % December 31, 2019 Common Equity Tier 1 Capital (to risk-weighted assets) $ 117,492 18.5 % $ 28,617 4.5 % $ 44,515 7.0 % $ 41,336 6.5 % Total capital (to risk-weighted assets) 124,619 19.6 % 50,875 8.0 % 66,773 10.5 % 63,593 10.0 % Tier 1 capital (to risk-weighted assets) 117,492 18.5 % 38,156 6.0 % 54,054 8.5 % 50,875 8.0 % Tier 1 capital (to average quarterly assets) 117,492 13.4 % 34,995 4.0 % 56,867 6.5 % 43,744 5.0 %

Note 5 - Earnings Per Share

Note 5 - Earnings Per Share	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 5 Basic earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding for each period. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued. Potential common shares that may three nine September 30, 2020 three nine September 30, 2019 Information relating to the calculations of our income per common share is summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (dollars in thousands, except for per share data) Weighted-average shares outstanding - basic 12,812,976 12,776,911 12,812,864 12,775,104 Dilution 7,558 64,768 16,846 78,708 Weighted-average share outstanding - diluted 12,820,534 12,841,679 12,829,710 12,853,812 Net income $ 1,898 $ 2,381 $ 4,200 $ 7,166 Net income per share - basic $ 0.15 $ 0.19 $ 0.33 $ 0.56 Net income per share - diluted $ 0.15 $ 0.19 $ 0.33 $ 0.56

Note 6 - Stock-based Compensati

Note 6 - Stock-based Compensation	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	Note 6 We maintain a stock-based compensation plan for directors, officers, and other key employees of the Company. The aggregate number of shares of common stock that could be issued with respect to the awards granted under the 2019 2019 2019 2019 ten five We account for stock-based compensation in accordance with FASB Accounting Standards Codification (“ASC”) Topic 718, Compensation – Stock Compensation, three September 30, 2020 2019 nine September 30, 2020 2019 Information regarding our stock-based compensation plan is as follows as of and for the nine September 30 2020 2019 Weighted- Weighted- Weighted- Average Aggregate Weighted- Average Aggregate Average Remaining Intrinsic Average Remaining Intrinsic Number Exercise Contractual Value Number Exercise Contractual Value of Shares Price Term (in years) (in thousands) of Shares Price Term (in years) (in thousands) Outstanding at beginning of period 234,173 $ 6.60 349,023 $ 6.32 Granted 10,500 8.26 — — Exercised (2,050 ) 6.78 $ — (17,961 ) 5.39 $ 47 Forfeited (1,000 ) 7.10 (54,000 ) 6.58 Outstanding at end of period 241,623 $ 6.67 2.2 $ 47 277,062 $ 6.33 2.6 $ 461 Exercisable at end of period 183,416 $ 6.41 1.8 $ 47 185,970 $ 5.94 2.0 $ 383 The stock-based compensation expense amounts and fair values of options at the time of the grants were derived using the Black-Scholes option-pricing model. The following weighted average assumptions were used to value options granted for the nine September 30, 2020 2019 Expected life 5.5 years Risk-free interest rate 0.95 % Expected volatility 27.83 % Expected dividend yield $ 1.95 Weighted average per share fair value of options granted $ 1.75 As of September 30, 2020

Note 7 - Commitments and Contin

Note 7 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	Note 7 Off-Balance Sheet Instruments The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financial needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit, which involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated statements of financial condition. The contract amounts of these instruments express the extent of involvement we have in each class of financial instruments. Our exposure to credit loss from nonperformance by the other party to the above mentioned financial instruments is represented by the contractual amount of those instruments. We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments. Unless otherwise noted, we require collateral or other security to support financial instruments with off-balance sheet credit risk. September 30, December 31, 2020 2019 (dollars in thousands) Standby letters of credit $ 2,901 $ 3,325 Home equity lines of credit 16,772 16,917 Unadvanced construction commitments 78,114 79,378 Mortgage loan commitments 1,069 701 Lines of credit 33,866 16,501 Loans sold and serviced with limited repurchase provisions 49,624 76,536 Standby letters of credit are conditional commitments issued by the Bank guaranteeing performance by a customer to various municipalities. These guarantees are issued primarily to support performance arrangements and are limited to real estate transactions. The majority of these standby letters of credit expire within twelve one September 30, 2020 December 31, 2019 Home equity lines of credit are loan commitments to individuals as long as there is no ten Unadvanced construction commitments are loan commitments made to borrowers for both residential and commercial projects that are either in process or are expected to begin construction shortly. Residential mortgage loan commitments not September 30, 2020 December 31, 2019 Lines of credit are loan commitments to individuals and companies as long as there is no The Bank has entered into several agreements to sell mortgage loans to third not nine September 30, 2020 2019 Other Contingencies The Company provides banking services to customers who do business in the medical-use cannabis industry. While the growing, processing, and sales of medical-use cannabis is legal in the state of Maryland, the business currently violates Federal law. The Company may September 30, 2020 not Following is a summary of the level of business activities with our medical-use cannabis customers: • Deposit and loan balances at September 30, 2020 December 31, 2019 • Interest and noninterest income for the three September 30, 2020 three September 30, 2019 • Interest and noninterest income for the nine September 30, 2020 nine September 30, 2019 • The volume of deposits in the accounts of medical-use cannabis customers for the three nine September 30, 2020 three nine September 30, 2019

Note 8 - Derivatives

Note 8 - Derivatives	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	Note 8 We maintain and account for derivatives, in the form of interest-rate lock commitments (“IRLCs”) and mandatory forward contracts, in accordance with the FASB guidance on accounting for derivative instruments and hedging activities. We recognize gains and losses on IRLCs, mandatory forward contracts, and best effort forward contracts on the loan pipeline through mortgage-banking revenue in the Consolidated Statements of Income. IRLCs on mortgage loans that we intend to sell in the secondary market are considered derivatives. We are exposed to price risk from the time a mortgage loan closes until the time the loan is sold. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 14 days to 60 days. For these IRLCs, we attempt to protect the Bank from changes in interest rates through the use of best efforts and mandatory forward contracts. Mandatory forward contracts are also considered derivatives and are reported in the table below. Best efforts forward contracts are not Information pertaining to the carrying amounts of our derivative financial instruments follows: September 30, 2020 December 31, 2019 Notional Estimated Notional Estimated Amount Fair Value Amount Fair Value (dollars in thousands) Asset - IRLCs $ 28,008 $ 995 $ 7,645 $ 179 Asset - mandatory forward contracts 16,209 115 10,591 23 Liability - IRLCs 33,505 6 — — Liability - mandatory forward contracts 5,105 19 — —

Note 9 - Fair Value

Note 9 - Fair Value	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 9 Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. A fair value hierarchy that prioritizes the inputs to valuation methods is used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 3 three Level 1: Level 2: not Level 3: no An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. We record transfers between levels at the end of the reporting period in which the change in significant inputs occurs. Assets Measured on a Recurring Basis The following table presents fair value measurements for assets that are measured at fair value on a recurring basis as of and for the nine September 30, 2020 Significant Other Significant Total Changes Quoted Observable Unobservable In Fair Values Carrying Prices Inputs Inputs Included In Value (Level 1) (Level 2) (Level 3) Period Income Assets: (dollars in thousands) AFS Securities - U.S. government agency notes $ 6,384 $ — $ 6,384 $ — $ — AFS Securities - corporate obligations 1,986 — 1,986 — — AFS Securities - mortgage-backed securities 45,835 — 45,835 — — Mortgage loans held for sale ("LHFS") 21,722 — 21,722 — 92 MSRs 980 — — 980 (868 ) IRLCs 995 — — 995 810 Best efforts forward contracts 101 — 101 — 69 Mandatory forward contracts 115 — 115 — 77 Liabilities: IRLCs 6 — — 6 6 Mandatory forward contracts 19 — 19 — 4 Best efforts forward contracts 90 — 90 — 81 The following table presents fair value measurements for assets and liabilities that are measured at fair value on a recurring basis as of and for the year ended December 31, 2019 Significant Other Significant Total Changes Quoted Observable Unobservable In Fair Values Carrying Prices Inputs Inputs Included In Value (Level 1) (Level 2) (Level 3) Period Income Assets: (dollars in thousands) AFS Securities - U.S. government agency notes $ 5,019 $ — $ 5,019 $ — $ — AFS Securities - mortgage-backed securities 7,887 — 7,887 — — LHFS 10,910 — 10,910 — (5 ) MSRs 323 — — 323 (114 ) IRLCs 179 — — 179 79 Mandatory forward contracts 23 — 23 — 39 Best efforts forward contracts 23 — 23 — 23 The following table provides additional quantitative information about assets measured at fair value on a recurring basis and for which we have utilized Level 3 Fair Value Valuation Unobservable Range Estimate Technique Input (Weighted-Average) September 30, 2020: (dollars in thousands) MSRs (1) $ 980 Market Approach Weighted average prepayment speed (PSA) (2) 330 IRLCs - net asset 989 Market Approach Range of pull through rate 70% - 100% Average pull through rate 88 % December 31, 2019: MSRs (1) $ 323 Market Approach Weighted average prepayment speed (CPR) (2) 11.10 % IRLCs - net asset 179 Market Approach Range of pull through rate 70% - 95% Average pull through rate 83 % ( 1 The weighted average was calculated with reference to the principal balance of the underlying mortgages. ( 2 PSA = Public Securities Association Standard Prepayment Model; CPR = Conditional Prepayment Rate The following table shows the activity in the MSRs: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (dollars in thousands) Beginning balance $ 615 $ 343 $ 323 $ 437 Additions 737 — 1,525 — Valuation adjustment (372 ) (27 ) (868 ) (121 ) Ending balance $ 980 $ 316 $ 980 $ 316 The following table shows the activity in the IRLCs: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (dollars in thousands) Beginning balance $ 546 $ 345 $ 179 $ 100 Valuation adjustment 443 (165 ) 810 80 Ending balance $ 989 $ 180 $ 989 $ 180 AFS Securities The estimated fair values of AFS debt securities are obtained from a nationally-recognized pricing service. This pricing service develops estimated fair values by analyzing like securities and applying available market information through processes such as benchmark curves, benchmarking of like securities, sector groupings, and matrix pricing to prepare valuations. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities. The fair value measurements consider observable data that may 1 2. 2 2 not LHFS LHFS are carried at fair value, which is determined based on outstanding investor commitments or, in the absence of such commitments, on current investor yield requirements or third MSRs The fair value of MSRs is determined using a valuation model administered by a third second 2020, third IRLCs We utilize a third Forward Contracts To avoid interest rate risk, we enter into best efforts forward sales commitments with investors at the time we make an IRLC to a borrower. Once a loan has been closed and funded, the best efforts commitments convert to mandatory forward sales commitments. The mandatory commitments are derivatives, and the bank measures and reports them at fair value. Fair value is based on the gain or loss that would occur if we were to pair-off the transaction with the investor at the measurement date. This is a level 2 Assets Measured on a Nonrecurring Basis September 30, 2020 Significant Other Significant Quoted Observable Unobservable Carrying Prices Inputs Inputs Range of Weighted Value (Level 1) (Level 2) (Level 3) Discount (1) Average (2) (dollars in thousands) Impaired loans $ 3,143 $ — $ — $ 3,143 0% - 14 % 7 % December 31, 2019 Significant Other Significant Quoted Observable Unobservable Carrying Prices Inputs Inputs Range of Weighted Value (Level 1) (Level 2) (Level 3) Discount (1) Average (2) (dollars in thousands) Impaired loans $ 4,437 $ — $ — $ 4,437 0% - 160 % 8 % Real estate acquired through foreclosure 1,174 — — 1,174 0% - 16 % 10 % ( 1 Discount based on current market conditions and estimated selling costs ( 2 Inputs are weighted based on the relative fair values of the instruments Impaired Loans Impaired loans are those for which we have measured impairment based on the present value of expected future cash flows or on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third no may 3 For such loans that are classified as impaired, an Allowance is established when the present value of the expected future cash flows of the impaired loan is lower than the carrying value of that loan. For such impaired loans that are classified as collateral dependent, an Allowance is established when the current market value of the underlying collateral less its estimated disposal costs has not Real Estate Acquired Through Foreclosure We record foreclosed real estate assets at the fair value less estimated selling costs on their acquisition dates and at the lower of such initial amount or estimated fair value less estimated selling costs thereafter. We generally obtain certified external appraisals of real estate acquired through foreclosure and estimate fair value using those appraisals. Other valuation sources may Fair Value of All Financial Instruments The carrying value and fair value of all financial instruments are summarized in the following tables: September 30, 2020 Carrying Fair Value Value Level 1 Level 2 Level 3 Total Assets: (dollars in thousands) Cash and cash equivalents $ 142,823 $ 142,823 $ — $ — $ 142,823 Certificates of deposit held for investment 4,828 4,828 — — 4,828 AFS securities 54,205 — 54,205 — 54,205 HTM securities 19,709 1,003 19,437 — 20,440 LHFS 21,722 — 21,722 — 21,722 Loans receivable, net 651,640 — — 655,396 655,396 Restricted stock investments 1,661 — 1,661 — 1,661 Accrued interest receivable 2,521 — 2,521 — 2,521 MSRs 980 — — 980 980 IRLCs 995 — — 995 995 Best effort forward contracts 101 — 101 — 101 Mandatory forward contracts 115 — 115 — 115 Liabilities: Deposits 783,238 — 784,060 — 784,060 Accrued interest payable 213 — 213 — 213 Borrowings 20,000 — 20,354 — 20,354 Subordinated debentures 20,619 — — 16,135 16,135 IRLCs 6 — — 6 6 Mandatory forward contracts 19 — 19 — 19 Best effort forward contracts 90 — 90 — 90 December 31, 2019 Carrying Fair Value Value Level 1 Level 2 Level 3 Total Assets: (dollars in thousands) Cash and cash equivalents $ 88,193 $ 88,193 $ — $ — $ 88,193 Certificates of deposit held for investment 7,540 7,540 — — 7,540 AFS securities 12,906 — 12,906 — 12,906 HTM securities 25,960 1,008 25,150 — 26,158 LHFS 10,910 — 10,910 — 10,910 Loans receivable, net 638,547 — — 647,238 647,238 Restricted stock investments 2,431 — 2,431 — 2,431 Accrued interest receivable 2,458 — 2,458 — 2,458 MSRs 323 — — 323 323 IRLCs 179 — — 179 179 Mandatory forward contracts 23 — 23 — 23 Best effort forward contracts 23 — 23 — 23 Liabilities: Deposits 661,049 — 662,418 — 662,418 Accrued interest payable 317 — 317 — 317 Borrowings 35,000 — 35,063 — 35,063 Subordinated debentures 20,619 — — 16,754 16,754 Limitations Fair value estimates are made at a specific point in time, based on relevant market information and information about financial instruments. These estimates do not one no not may not There were no 1, 2 3 nine September 30, 2020 2019 December 31, 2019

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation The accounting and reporting policies of Severn Bancorp, Inc. and subsidiaries (the “Company”) conform to accounting principles generally accepted in the United States of America (“U.S.”) (“GAAP”) and prevailing practices within the financial services industry for interim financial information and Rule 8 03 X. not three nine September 30, 2020 not may December 31, 2020 These statements should be read in conjunction with the financial statements and accompanying notes included in the Company’s 2019 10
Consolidation, Policy [Policy Text Block]	Principles of Consolidation The unaudited consolidated financial statements include the accounts of Severn Bancorp, Inc., and its wholly-owned subsidiaries, Mid-Maryland Title Company, Inc., SBI Mortgage Company, and Severn Savings Bank, FSB (the “Bank”), along with the Bank’s subsidiaries, Louis Hyatt, Inc., Homeowners Title and Escrow Corporation, Severn Financial Services Corporation, SSB Realty Holdings, LLC, SSB Realty Holdings II, LLC, and HS West, LLC. Also included are the accounts of SBI Mortgage Company’s subsidiary, Crownsville Development Corporation, and its subsidiary, Crownsville Holdings I, LLC. All intercompany accounts and transactions have been eliminated in the accompanying consolidated financial statements.
Use of Estimates, Policy [Policy Text Block]	Use of Estimates The preparation of the financial statements requires management to exercise significant judgment or discretion or make significant assumptions and estimates based on the information available that have, or could have, a material impact on the carrying value of certain assets or on income. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the periods presented. The accounting policies we view as critical are those relating to the allowance for loan losses (“Allowance”), the valuation of real estate acquired through foreclosure, and the valuation of deferred tax assets and liabilities.
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash Flows For reporting purposes, assets grouped in the Consolidated Statements of Financial Condition under the captions “Cash and due from banks” and “Federal funds sold and interest-bearing deposits in other banks” are considered cash or cash equivalents. For financial statement purposes, these assets are carried at cost. Federal funds sold and interest-bearing deposits in other banks generally have overnight maturities and are in excess of amounts that would be recoverable under Federal Deposit Insurance Corporation (“FDIC”) insurance.
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications Certain reclassifications have been made to amounts previously reported to conform to current period presentation.
COVID-19 Risks and Uncertainties [Policy Text Block]	COVID- 19 On March 11, 2020, 19” 19 March 3, 2020, 50 1.00% 1.25%. 0% 0.25% March 16, 2020. 19 may 19,
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements Pronouncements Issued In September 2016, No. 2016 13, Financial Instruments – Credit Losses December 15, 2019, July 2019, January 2023. October, 2019, 2019 05, Financial Instruments – Credit Losses (Topic 326 2019 05 2016 13. 2019 05 825 10 2016 03. 825 10 326 10, Financial Instruments - Credit Losses - Measured at Amortized Costs. not 2016 03. November 2019, 2019 10, Financial Instruments - Credit Losses (Topic 326 815 and Leases (Topic 842 2019 10 326, Financial Instruments - Credit Losses December 15, 2022, We have contracted with a third third third not While we are still in the process of evaluating the impact of the amended guidance on our Consolidated Financial Statements, it is quite possible that the Allowance will increase upon adoption given that the Allowance will be required to cover the full remaining expected life of the portfolio upon adoption, rather than the incurred loss model under current GAAP. The extent of this increase is still being evaluated and will depend on economic conditions and the composition of our loan portfolio at the time of adoption. In November 2019, 2019 11, Codification Improvements to Topic 326, 2019 11 2016 13. 2019 11 2019 04 326 20 35 6 2016 13. In December 2019, No. 2019 12, Simplifying the Accounting for Taxes December 15, 2020. No. 2019 12 not In January 2020, No. 2020 01, Investments – Equity securities (Topic 321 323 815 three December 15, 2020. No. 2020 01 not

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Debt Securities, Available-for-sale [Table Text Block]	September 30, 2020 Amortized Unrealized Unrealized Cost Gains Losses Fair Value (dollars in thousands) U.S. government agency notes $ 6,349 $ 58 $ 23 $ 6,384 Corporate obligations 2,000 — 14 1,986 Mortgage-backed securities 45,882 207 254 45,835 $ 54,231 $ 265 $ 291 $ 54,205 December 31, 2019 Amortized Unrealized Unrealized Cost Gains Losses Fair Value (dollars in thousands) U.S. government agency notes $ 5,017 $ 2 $ — $ 5,019 Mortgage-backed securities 7,951 — 64 7,887 $ 12,968 $ 2 $ 64 $ 12,906
Debt Securities, Held-to-maturity [Table Text Block]	September 30, 2020 Amortized Unrealized Unrealized Fair Cost Gains Losses Value (dollars in thousands) U.S. Treasury securities $ 999 $ 4 $ — $ 1,003 U.S. government agency notes 2,985 160 — 3,145 Mortgage-backed securities 15,725 567 — 16,292 $ 19,709 $ 731 $ — $ 20,440 December 31, 2019 Amortized Unrealized Unrealized Fair Cost Gains Losses Value (dollars in thousands) U.S. Treasury securities $ 994 $ 14 $ — $ 1,008 U.S. government agency notes 4,986 100 5 5,081 Mortgage-backed securities 19,980 114 25 20,069 $ 25,960 $ 228 $ 30 $ 26,158
Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value [Table Text Block]	September 30, 2020 Less than 12 months 12 months or more Total # of Fair Unrealized # of Fair Unrealized # of Fair Unrealized Securities Value Losses Securities Value Losses Securities Value Losses (dollars in thousands) U.S. government agency notes 3 $ 2,716 $ 23 — $ — $ — 3 $ 2,716 $ 23 Corporate obligations 1 1,986 14 — — — 1 1,986 14 Mortgage-backed securities 30 30,483 254 — — — 30 30,483 254 34 $ 35,185 $ 291 — $ — $ — 34 $ 35,185 $ 291 December 31, 2019 Less than 12 months 12 months or more Total # of Fair Unrealized # of Fair Unrealized # of Fair Unrealized Securities Value Losses Securities Value Losses Securities Value Losses (dollars in thousands) Mortgage-backed securities 7 $ 7,887 $ 64 — $ — $ — 7 $ 7,887 $ 64 7 $ 7,887 $ 64 — $ — $ — 7 $ 7,887 $ 64
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	Less than 12 months 12 months or more Total # of Fair Unrealized # of Fair Unrealized # of Fair Unrealized Securities Value Losses Securities Value Losses Securities Value Losses (dollars in thousands) U.S. government agency notes — $ — $ — 3 $ 3,003 $ 5 3 3,003 5 Mortgage-backed securities 2 2,544 17 2 1,238 8 4 3,782 25 2 $ 2,544 $ 17 5 $ 4,241 $ 13 7 $ 6,785 $ 30
Investments Classified by Contractual Maturity Date [Table Text Block]	AFS Securities HTM Securities Amortized Fair Amortized Fair Cost Value Cost Value (dollars in thousands) Due in one year or less $ — $ — $ 2,000 $ 2,006 Due after one through five years 155 155 1,984 2,142 Due after five years through ten years 4,728 4,753 — — Due after 10 years 3,466 3,462 — — Mortgage-backed securities 45,882 45,835 15,725 16,292 $ 54,231 $ 54,205 $ 19,709 $ 20,440

Note 3 - Loans Receivable and_2

Note 3 - Loans Receivable and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, 2020 December 31, 2019 (dollars in thousands) Residential mortgage $ 237,771 $ 269,654 Commercial 88,683 43,127 Commercial real estate 239,570 229,257 Construction, land acquisition, and development 84,392 92,822 Home equity/2nds 12,130 12,031 Consumer 1,436 1,541 Total loans receivable, before net unearned fees 663,982 648,432 Unearned loan fees (3,667 ) (2,747 ) Loans receivable $ 660,315 $ 645,685
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Three Months Ended September 30, 2020 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,422 $ 1,677 $ 1,078 $ 2,789 $ 165 $ — $ 38 $ 8,169 Charge-offs (39 ) — (49 ) — — — — (88 ) Recoveries 453 3 34 — 4 — — 494 Net recoveries (charge-offs) 414 3 (15 ) — 4 — — 406 (Reversal of) provision for loan losses (397 ) 3 506 (10 ) 9 (11 ) 100 Ending Balance $ 2,439 $ 1,683 $ 1,569 $ 2,779 $ 178 $ — $ 27 $ 8,675 Nine Months Ended September 30, 2020 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,264 $ 1,421 $ 984 $ 2,286 $ 134 $ — $ 49 $ 7,138 Charge-offs (39 ) — (49 ) — — (15 ) — (103 ) Recoveries 633 11 136 — 7 3 — 790 Net recoveries (charge-offs) 594 11 87 — 7 (12 ) — 687 (Reversal of) provision for loan losses (419 ) 251 498 493 37 12 (22 ) 850 Ending Balance $ 2,439 $ 1,683 $ 1,569 $ 2,779 $ 178 $ — $ 27 $ 8,675 Ending balance - individually evaluated for impairment $ 577 $ — $ 58 $ 29 $ — $ — $ — $ 664 Ending balance - collectively evaluated for impairment 1,862 1,683 1,511 2,750 178 — 27 8,011 $ 2,439 $ 1,683 $ 1,569 $ 2,779 $ 178 $ — $ 27 $ 8,675 Ending loan balance -individually evaluated for impairment $ 12,144 $ — $ 1,258 $ 317 $ 508 $ 64 $ 14,291 Ending loan balance -collectively evaluated for impairment 225,627 88,683 238,312 84,075 11,622 1,372 649,691 $ 237,771 $ 88,683 $ 239,570 $ 84,392 $ 12,130 $ 1,436 $ 663,982 December 31, 2019 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Ending balance - individually evaluated for impairment $ 752 $ — $ 64 $ 32 $ 2 $ — $ — $ 850 Ending balance - collectively evaluated for impairment 1,512 1,421 920 2,254 132 — 49 6,288 $ 2,264 $ 1,421 $ 984 $ 2,286 $ 134 $ — $ 49 $ 7,138 Ending loan balance - individually evaluated for impairment $ 11,517 $ — $ 1,221 $ 880 $ 563 $ 69 $ 14,250 Ending loan balance - collectively evaluated for impairment 258,137 43,127 228,036 91,942 11,468 1,472 634,182 $ 269,654 $ 43,127 $ 229,257 $ 92,822 $ 12,031 $ 1,541 $ 648,432 Three Months Ended September 30, 2019 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,566 $ 1,566 $ 792 $ 2,683 $ 223 $ — $ 263 $ 8,093 Charge-offs — — (199 ) — — (2 ) — (201 ) Recoveries 3 — 30 — 3 3 — 39 Net recoveries (charge-offs) 3 — (169 ) — 3 1 — (162 ) (Reversal of) provision for loan losses (182 ) (54 ) 346 (370 ) — (1 ) (239 ) (500 ) Ending Balance $ 2,387 $ 1,512 $ 969 $ 2,313 $ 226 $ — $ 24 $ 7,431 Nine Months Ended September 30, 2019 Residential Commercial Home Equity/ Mortgage Commercial Real Estate ADC 2nds Consumer Unallocated Total (dollars in thousands) Beginning Balance $ 2,224 $ 2,736 $ 457 $ 2,239 $ 222 $ 1 $ 165 $ 8,044 Charge-offs (20 ) — (199 ) — — (14 ) — (233 ) Recoveries 11 — 97 — 9 3 — 120 Net (charge-offs) recoveries (9 ) — (102 ) — 9 (11 ) — (113 ) Provision for (reversal of) loan losses 172 (1,224 ) 614 74 (5 ) 10 (141 ) (500 ) Ending Balance $ 2,387 $ 1,512 $ 969 $ 2,313 $ 226 $ — $ 24 $ 7,431 Ending balance - individually evaluated for impairment $ 799 $ — $ 65 $ 32 $ 2 $ — $ — $ 898 Ending balance - collectively evaluated for impairment 1,588 1,512 904 2,281 224 — 24 6,533 $ 2,387 $ 1,512 $ 969 $ 2,313 $ 226 $ — $ 24 $ 7,431 Ending loan balance - individually evaluated for impairment $ 11,272 $ — $ 1,685 $ 729 $ 579 $ 71 $ 14,336 Ending loan balance - collectively evaluated for impairment 260,064 44,774 239,079 92,621 11,351 1,474 649,363 $ 271,336 $ 44,774 $ 240,764 $ 93,350 $ 11,930 $ 1,545 $ 663,699
Financing Receivable Credit Quality Indicators [Table Text Block]	September 30, 2020 Special Pass Mention Substandard Total (dollars in thousands) Residential mortgage $ 232,055 $ — $ 5,716 $ 237,771 Commercial 87,483 1,200 — 88,683 Commercial real estate 237,630 855 1,085 239,570 ADC 83,919 — 473 84,392 Home equity/2nds 12,017 — 113 12,130 Consumer 1,436 — — 1,436 $ 654,540 $ 2,055 $ 7,387 $ 663,982 December 31, 2019 Special Pass Mention Substandard Total (dollars in thousands) Residential mortgage $ 265,510 $ — $ 4,144 $ 269,654 Commercial 41,927 1,200 — 43,127 Commercial real estate 225,363 2,835 1,059 229,257 ADC 92,304 — 518 92,822 Home equity/2nds 11,490 402 139 12,031 Consumer 1,541 — — 1,541 $ 638,135 $ 4,437 $ 5,860 $ 648,432
Financing Receivable, Past Due [Table Text Block]	September 30, 2020 Past Due 30 59 60 89 90+ Non- Days Days Days Total Current Total Accrual (dollars in thousands) Residential mortgage $ 445 $ 49 $ 4,648 $ 5,142 $ 232,629 $ 237,771 $ 5,356 Commercial — — — — 88,683 88,683 — Commercial real estate 6 — 288 294 239,276 239,570 288 ADC — — — — 84,392 84,392 66 Home equity/2nds 61 — 113 174 11,956 12,130 122 Consumer — — — — 1,436 1,436 — $ 512 $ 49 $ 5,049 $ 5,610 $ 658,372 $ 663,982 $ 5,832 December 31, 2019 Past Due 30 59 60 89 90+ Non- Days Days Days Total Current Total Accrual (dollars in thousands) Residential mortgage $ 3,183 $ 81 $ 2,200 $ 5,464 $ 264,190 $ 269,654 $ 3,766 Commercial — — — — 43,127 43,127 — Commercial real estate — — 126 126 229,131 229,257 237 ADC — 89 — 89 92,733 92,822 89 Home equity/2nds — — 139 139 11,892 12,031 150 Consumer — 15 — 15 1,526 1,541 — $ 3,183 $ 185 $ 2,465 $ 5,833 $ 642,599 $ 648,432 $ 4,242
Impaired Financing Receivables [Table Text Block]	September 30, 2020 December 31, 2019 Unpaid Unpaid Principal Recorded Related Principal Recorded Related Balance Investment Allowance Balance Investment Allowance With no related Allowance: (dollars in thousands) Residential mortgage $ 9,289 $ 8,984 $ — $ 7,258 $ 7,035 $ — Commercial — — — — — — Commercial real estate 764 714 — 908 668 — ADC 219 214 — 752 752 — Home equity/2nds 924 508 — 996 553 — Consumer 64 64 — 69 69 — With a related Allowance: Residential mortgage 3,284 3,160 577 4,604 4,482 752 Commercial — — — — — — Commercial real estate 544 544 58 553 553 64 ADC 103 103 29 128 128 32 Home equity/2nds — — — 12 10 2 Consumer — — — — — — Totals: Residential mortgage 12,573 12,144 577 11,862 11,517 752 Commercial — — — — — — Commercial real estate 1,308 1,258 58 1,461 1,221 64 ADC 322 317 29 880 880 32 Home equity/2nds 924 508 — 1,008 563 2 Consumer 64 64 — 69 69 — Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 Average Interest Average Interest Average Interest Average Interest Recorded Income Recorded Income Recorded Income Recorded Income Investment Recognized Investment Recognized Investment Recognized Investment Recognized With no related Allowance: (dollars in thousands) Residential mortgage $ 8,767 $ 72 $ 6,355 $ 57 $ 8,616 $ 206 $ 6,797 $ 198 Commercial — — — — — — — — Commercial real estate 767 9 1,259 15 764 30 1,215 52 ADC 226 3 599 8 217 10 925 22 Home equity/2nds 337 7 574 11 320 21 775 32 Consumer 81 1 68 1 64 2 52 4 With a related Allowance: Residential mortgage 3,721 28 4,943 66 3,701 100 5,532 206 Commercial — — — — — — 108 — Commercial real estate 546 5 561 6 544 24 660 25 ADC 104 1 130 2 103 3 133 6 Home equity/2nds — — 11 — — — 17 1 Consumer — — 3 — — — 22 — Totals: Residential mortgage 12,488 100 11,298 123 12,317 306 12,329 404 Commercial — — — — — — 108 — Commercial real estate 1,313 14 1,820 21 1,308 54 1,875 77 ADC 330 4 729 10 320 13 1,058 28 Home equity/2nds 337 7 585 11 320 21 792 33 Consumer 81 1 71 1 64 2 74 4
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	September 30, 2020 Total Total Number of Accrual Number of Nonaccrual Number of Balance of Modifications Status Modifications Status Modifications Modifications (dollars in thousands) Residential mortgage 26 $ 6,716 1 $ 80 27 $ 6,796 Commercial real estate 2 969 — — 2 969 ADC 1 129 — — 1 129 Consumer 1 64 — — 1 64 30 $ 7,878 1 $ 80 31 $ 7,958 December 31, 2019 Total Total Number of Accrual Number of Nonaccrual Number of Balance of Modifications Status Modifications Status Modifications Modifications (dollars in thousands) Residential mortgage 31 $ 7,675 1 $ 85 32 $ 7,760 Commercial real estate 2 984 — — 2 984 ADC 1 130 — — 1 130 Consumer 2 69 — — 2 69 36 $ 8,858 1 $ 85 37 $ 8,943

Note 4 - Regulatory Matters (Ta

Note 4 - Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Minimum Minimum To be Well Requirements Requirements Capitalized Under for Capital Adequacy with Capital Prompt Corrective Actual Purposes Conservation Buffer Action Provision Amount Ratio Amount Ratio Amount Ratio Amount Ratio September 30, 2020 (dollars in thousands) Community bank leverage ratio $ 120,056 13.6 % 61,822 7.0 % N/A N/A $ 70,654 8.0 % December 31, 2019 Common Equity Tier 1 Capital (to risk-weighted assets) $ 117,492 18.5 % $ 28,617 4.5 % $ 44,515 7.0 % $ 41,336 6.5 % Total capital (to risk-weighted assets) 124,619 19.6 % 50,875 8.0 % 66,773 10.5 % 63,593 10.0 % Tier 1 capital (to risk-weighted assets) 117,492 18.5 % 38,156 6.0 % 54,054 8.5 % 50,875 8.0 % Tier 1 capital (to average quarterly assets) 117,492 13.4 % 34,995 4.0 % 56,867 6.5 % 43,744 5.0 %

Note 5 - Earnings Per Share (Ta

Note 5 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (dollars in thousands, except for per share data) Weighted-average shares outstanding - basic 12,812,976 12,776,911 12,812,864 12,775,104 Dilution 7,558 64,768 16,846 78,708 Weighted-average share outstanding - diluted 12,820,534 12,841,679 12,829,710 12,853,812 Net income $ 1,898 $ 2,381 $ 4,200 $ 7,166 Net income per share - basic $ 0.15 $ 0.19 $ 0.33 $ 0.56 Net income per share - diluted $ 0.15 $ 0.19 $ 0.33 $ 0.56

Note 6 - Stock-based Compensa_2

Note 6 - Stock-based Compensation (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	2020 2019 Weighted- Weighted- Weighted- Average Aggregate Weighted- Average Aggregate Average Remaining Intrinsic Average Remaining Intrinsic Number Exercise Contractual Value Number Exercise Contractual Value of Shares Price Term (in years) (in thousands) of Shares Price Term (in years) (in thousands) Outstanding at beginning of period 234,173 $ 6.60 349,023 $ 6.32 Granted 10,500 8.26 — — Exercised (2,050 ) 6.78 $ — (17,961 ) 5.39 $ 47 Forfeited (1,000 ) 7.10 (54,000 ) 6.58 Outstanding at end of period 241,623 $ 6.67 2.2 $ 47 277,062 $ 6.33 2.6 $ 461 Exercisable at end of period 183,416 $ 6.41 1.8 $ 47 185,970 $ 5.94 2.0 $ 383
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	Expected life 5.5 years Risk-free interest rate 0.95 % Expected volatility 27.83 % Expected dividend yield $ 1.95 Weighted average per share fair value of options granted $ 1.75

Note 7 - Commitments and Cont_2

Note 7 - Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	September 30, December 31, 2020 2019 (dollars in thousands) Standby letters of credit $ 2,901 $ 3,325 Home equity lines of credit 16,772 16,917 Unadvanced construction commitments 78,114 79,378 Mortgage loan commitments 1,069 701 Lines of credit 33,866 16,501 Loans sold and serviced with limited repurchase provisions 49,624 76,536

Note 8 - Derivatives (Tables)

Note 8 - Derivatives (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Notional Amounts of Outstanding Derivative Positions [Table Text Block]	September 30, 2020 December 31, 2019 Notional Estimated Notional Estimated Amount Fair Value Amount Fair Value (dollars in thousands) Asset - IRLCs $ 28,008 $ 995 $ 7,645 $ 179 Asset - mandatory forward contracts 16,209 115 10,591 23 Liability - IRLCs 33,505 6 — — Liability - mandatory forward contracts 5,105 19 — —

Note 9 - Fair Value (Tables)

Note 9 - Fair Value (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Significant Other Significant Total Changes Quoted Observable Unobservable In Fair Values Carrying Prices Inputs Inputs Included In Value (Level 1) (Level 2) (Level 3) Period Income Assets: (dollars in thousands) AFS Securities - U.S. government agency notes $ 6,384 $ — $ 6,384 $ — $ — AFS Securities - corporate obligations 1,986 — 1,986 — — AFS Securities - mortgage-backed securities 45,835 — 45,835 — — Mortgage loans held for sale ("LHFS") 21,722 — 21,722 — 92 MSRs 980 — — 980 (868 ) IRLCs 995 — — 995 810 Best efforts forward contracts 101 — 101 — 69 Mandatory forward contracts 115 — 115 — 77 Liabilities: IRLCs 6 — — 6 6 Mandatory forward contracts 19 — 19 — 4 Best efforts forward contracts 90 — 90 — 81 Significant Other Significant Total Changes Quoted Observable Unobservable In Fair Values Carrying Prices Inputs Inputs Included In Value (Level 1) (Level 2) (Level 3) Period Income Assets: (dollars in thousands) AFS Securities - U.S. government agency notes $ 5,019 $ — $ 5,019 $ — $ — AFS Securities - mortgage-backed securities 7,887 — 7,887 — — LHFS 10,910 — 10,910 — (5 ) MSRs 323 — — 323 (114 ) IRLCs 179 — — 179 79 Mandatory forward contracts 23 — 23 — 39 Best efforts forward contracts 23 — 23 — 23
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Valuation Unobservable Range Estimate Technique Input (Weighted-Average) September 30, 2020: (dollars in thousands) MSRs (1) $ 980 Market Approach Weighted average prepayment speed (PSA) (2) 330 IRLCs - net asset 989 Market Approach Range of pull through rate 70% - 100% Average pull through rate 88 % December 31, 2019: MSRs (1) $ 323 Market Approach Weighted average prepayment speed (CPR) (2) 11.10 % IRLCs - net asset 179 Market Approach Range of pull through rate 70% - 95% Average pull through rate 83 %
Schedule of Servicing Assets at Fair Value [Table Text Block]	Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (dollars in thousands) Beginning balance $ 615 $ 343 $ 323 $ 437 Additions 737 — 1,525 — Valuation adjustment (372 ) (27 ) (868 ) (121 ) Ending balance $ 980 $ 316 $ 980 $ 316
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (dollars in thousands) Beginning balance $ 546 $ 345 $ 179 $ 100 Valuation adjustment 443 (165 ) 810 80 Ending balance $ 989 $ 180 $ 989 $ 180
Fair Value Measurements, Nonrecurring [Table Text Block]	September 30, 2020 Significant Other Significant Quoted Observable Unobservable Carrying Prices Inputs Inputs Range of Weighted Value (Level 1) (Level 2) (Level 3) Discount (1) Average (2) (dollars in thousands) Impaired loans $ 3,143 $ — $ — $ 3,143 0% - 14 % 7 % December 31, 2019 Significant Other Significant Quoted Observable Unobservable Carrying Prices Inputs Inputs Range of Weighted Value (Level 1) (Level 2) (Level 3) Discount (1) Average (2) (dollars in thousands) Impaired loans $ 4,437 $ — $ — $ 4,437 0% - 160 % 8 % Real estate acquired through foreclosure 1,174 — — 1,174 0% - 16 % 10 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 2020 Carrying Fair Value Value Level 1 Level 2 Level 3 Total Assets: (dollars in thousands) Cash and cash equivalents $ 142,823 $ 142,823 $ — $ — $ 142,823 Certificates of deposit held for investment 4,828 4,828 — — 4,828 AFS securities 54,205 — 54,205 — 54,205 HTM securities 19,709 1,003 19,437 — 20,440 LHFS 21,722 — 21,722 — 21,722 Loans receivable, net 651,640 — — 655,396 655,396 Restricted stock investments 1,661 — 1,661 — 1,661 Accrued interest receivable 2,521 — 2,521 — 2,521 MSRs 980 — — 980 980 IRLCs 995 — — 995 995 Best effort forward contracts 101 — 101 — 101 Mandatory forward contracts 115 — 115 — 115 Liabilities: Deposits 783,238 — 784,060 — 784,060 Accrued interest payable 213 — 213 — 213 Borrowings 20,000 — 20,354 — 20,354 Subordinated debentures 20,619 — — 16,135 16,135 IRLCs 6 — — 6 6 Mandatory forward contracts 19 — 19 — 19 Best effort forward contracts 90 — 90 — 90 December 31, 2019 Carrying Fair Value Value Level 1 Level 2 Level 3 Total Assets: (dollars in thousands) Cash and cash equivalents $ 88,193 $ 88,193 $ — $ — $ 88,193 Certificates of deposit held for investment 7,540 7,540 — — 7,540 AFS securities 12,906 — 12,906 — 12,906 HTM securities 25,960 1,008 25,150 — 26,158 LHFS 10,910 — 10,910 — 10,910 Loans receivable, net 638,547 — — 647,238 647,238 Restricted stock investments 2,431 — 2,431 — 2,431 Accrued interest receivable 2,458 — 2,458 — 2,458 MSRs 323 — — 323 323 IRLCs 179 — — 179 179 Mandatory forward contracts 23 — 23 — 23 Best effort forward contracts 23 — 23 — 23 Liabilities: Deposits 661,049 — 662,418 — 662,418 Accrued interest payable 317 — 317 — 317 Borrowings 35,000 — 35,063 — 35,063 Subordinated debentures 20,619 — — 16,754 16,754

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019	Sep. 30, 2020USD ($)	Sep. 30, 2019	Dec. 31, 2019USD ($)
Held-to-maturity, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	0		0		7
Number of Securities Sold During Period	0	0	0	0
Security Owned and Pledged as Collateral, Fair Value, Total	$ 0		$ 0		$ 0

Note 2 - Securities - Amortized

Note 2 - Securities - Amortized Cost and Fair Values of Available-for-sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities, amortized cost	$ 54,231	$ 12,968
Available-for-sale securities, unrealized gains	265	2
Available-for-sale securities, unrealized losses	291	64
Available-for-sale securities, fair value	54,205	12,906
US Government Agencies Debt Securities [Member]
Available-for-sale securities, amortized cost	6,349	5,017
Available-for-sale securities, unrealized gains	58	2
Available-for-sale securities, unrealized losses	23	0
Available-for-sale securities, fair value	6,384	5,019
Corporate Debt Securities [Member]
Available-for-sale securities, amortized cost	2,000
Available-for-sale securities, unrealized gains	0
Available-for-sale securities, unrealized losses	14
Available-for-sale securities, fair value	1,986
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, amortized cost	45,882	7,951
Available-for-sale securities, unrealized gains	207	0
Available-for-sale securities, unrealized losses	254	64
Available-for-sale securities, fair value	$ 45,835	$ 7,887

Note 2 - Securities - Amortiz_2

Note 2 - Securities - Amortized Cost and Fair Values of Held to Maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Held to maturity securities, amortized cost	$ 19,709	$ 25,960
Held to maturity securities, unrealized gains	731	228
Held to maturity securities, unrealized losses	0	30
Held to maturity securities, fair value	20,440	26,158
US Treasury Securities [Member]
Held to maturity securities, amortized cost	999	994
Held to maturity securities, unrealized gains	4	14
Held to maturity securities, unrealized losses	0	0
Held to maturity securities, fair value	1,003	1,008
US Government Agencies Debt Securities [Member]
Held to maturity securities, amortized cost	2,985	4,986
Held to maturity securities, unrealized gains	160	100
Held to maturity securities, unrealized losses	0	5
Held to maturity securities, fair value	3,145	5,081
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Held to maturity securities, amortized cost	15,725	19,980
Held to maturity securities, unrealized gains	567	114
Held to maturity securities, unrealized losses	0	25
Held to maturity securities, fair value	$ 16,292	$ 20,069

Note 2 - Securities - Available

Note 2 - Securities - Available-for-sale Securities in Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Available-for-sale securities, less than 12 months, number of securities	34	7
Available-for-sale securities, less than 12 months, fair value	$ 35,185	$ 7,887
Available-for-sale securities, less than 12 months, unrealized losses	$ 291	$ 64
Available-for-sale securities, 12 months or more, number of positions	0	0
Available-for-sale securities, 12 months or more, fair value	$ 0	$ 0
Available-for-sale securities, 12 months or more, unrealized losses	$ 0	$ 0
Available-for-sale securities, number of positions	34	7
Available-for-sale securities, fair value	$ 35,185	$ 7,887
Available-for-sale securities, unrealized losses	$ 291	$ 64
US Government Agencies Debt Securities [Member]
Available-for-sale securities, less than 12 months, number of securities	3
Available-for-sale securities, less than 12 months, fair value	$ 2,716
Available-for-sale securities, less than 12 months, unrealized losses	$ 23
Available-for-sale securities, 12 months or more, number of positions	0
Available-for-sale securities, 12 months or more, fair value	$ 0
Available-for-sale securities, 12 months or more, unrealized losses	$ 0
Available-for-sale securities, number of positions	3
Available-for-sale securities, fair value	$ 2,716
Available-for-sale securities, unrealized losses	$ 23
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, less than 12 months, number of securities	30	7
Available-for-sale securities, less than 12 months, fair value	$ 30,483	$ 7,887
Available-for-sale securities, less than 12 months, unrealized losses	$ 254	$ 64
Available-for-sale securities, 12 months or more, number of positions	0	0
Available-for-sale securities, 12 months or more, fair value	$ 0	$ 0
Available-for-sale securities, 12 months or more, unrealized losses	$ 0	$ 0
Available-for-sale securities, number of positions	30	7
Available-for-sale securities, fair value	$ 30,483	$ 7,887
Available-for-sale securities, unrealized losses	$ 254	$ 64
Corporate Debt Securities [Member]
Available-for-sale securities, less than 12 months, number of securities	1
Available-for-sale securities, less than 12 months, fair value	$ 1,986
Available-for-sale securities, less than 12 months, unrealized losses	$ 14
Available-for-sale securities, 12 months or more, number of positions	0
Available-for-sale securities, 12 months or more, fair value	$ 0
Available-for-sale securities, 12 months or more, unrealized losses	$ 0
Available-for-sale securities, number of positions	1
Available-for-sale securities, fair value	$ 1,986
Available-for-sale securities, unrealized losses	$ 14

Note 2 - Securities - Held to M

Note 2 - Securities - Held to Maturity Securities in Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019USD ($)
Held to maturity securities, less than 12 months, number of securities		2
Held to maturity securities, less than 12 months, fair value		$ 2,544
Held to maturity securities, less than 12 months, unrealized losses		$ 17
Held to maturity securities, 12 months or more, number of securities		5
Held to maturity securities, 12 months or more, fair value		$ 4,241
Held to maturity securities, 12 months or more, unrealized losses		$ 13
Held to maturity securities, number of securities	0	7
Held to maturity securities, fair value		$ 6,785
Held to maturity securities, unrealized losses		$ 30
US Government Agencies Debt Securities [Member]
Held to maturity securities, less than 12 months, number of securities		0
Held to maturity securities, less than 12 months, fair value		$ 0
Held to maturity securities, less than 12 months, unrealized losses		$ 0
Held to maturity securities, 12 months or more, number of securities		3
Held to maturity securities, 12 months or more, fair value		$ 3,003
Held to maturity securities, 12 months or more, unrealized losses		$ 5
Held to maturity securities, number of securities		3
Held to maturity securities, fair value		$ 3,003
Held to maturity securities, unrealized losses		$ 5
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Held to maturity securities, less than 12 months, number of securities		2
Held to maturity securities, less than 12 months, fair value		$ 2,544
Held to maturity securities, less than 12 months, unrealized losses		$ 17
Held to maturity securities, 12 months or more, number of securities		2
Held to maturity securities, 12 months or more, fair value		$ 1,238
Held to maturity securities, 12 months or more, unrealized losses		$ 8
Held to maturity securities, number of securities		4
Held to maturity securities, fair value		$ 3,782
Held to maturity securities, unrealized losses		$ 25

Note 2 - Securities - Contractu

Note 2 - Securities - Contractual Maturities of Debt Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Due in one year or less, AFS securities, amortized cost	$ 0
Due in one year or less, AFS securities, fair value	0
Due in one year or less, HTM securities, amortized cost	2,000
Due in one year or less, HTM securities, fair value	2,006
Due after one through five years, AFS securities, amortized cost	155
Due after one through five years, AFS securities, fair value	155
Due after one through five years, HTM securities, amortized cost	1,984
Due after one through five years, HTM securities, fair value	2,142
Due after five years through ten years, AFS securities, amortized cost	4,728
Due after five years through ten years, AFS securities, fair value	4,753
Due after five years through ten years, HTM securities, amortized cost	0
Due after five years through ten years, HTM securities, fair value	0
Due after 10 years, AFS securities, amortized cost	3,466
Due after 10 years, AFS securities, fair value	3,462
Due after 10 years, HTM securities, amortized cost	0
Due after 10 years, HTM securities, fair value	0
Mortgage-backed securities, AFS securities, amortized cost	45,882
Mortgage-backed securities, AFS securities, fair value	45,835
Mortgage-backed securities, HTM securities, amortized cost	15,725
Mortgage-backed securities, HTM securities, fair value	16,292
AFS securities, amortized cost	54,231	$ 12,968
AFS securities, fair value	54,205	12,906
HTM securities, amortized cost	19,709	25,960
HTM securities, fair value	$ 20,440	$ 26,158

Note 3 - Loans Receivable and_3

Note 3 - Loans Receivable and Allowance for Loan Losses (Details Textual)	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Loans Pledged as Collateral	$ 128,400,000		$ 128,400,000
Loans and Leases Receivable, Gross, Total	663,982,000	$ 663,699,000	663,982,000	$ 663,699,000	$ 648,432,000
Financing Receivable, Modifications, Cares Act	101,900,000		101,900,000
Financing Receivable, Interest Only Deferred Payments	122,000		122,000
Financing Receivable, Interest Recorded but not Collected, Recorded Investment	10,600,000		10,600,000
Financing Receivable, 90 Days or More Past Due, Still Accruing	0		0		0
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans			595,000	440,000
Loans and Leases Receivable, Impaired, Interest Income Recorded on Nonaccrual Loans			112,000	$ 107,000
Real Estate Acquired Through Foreclosure	$ 1,010,000		$ 1,010,000		2,387,000
Financing Receivable, Modifications, Number of Contracts	0	0	0	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0	0	0
Residential Portfolio Segment [Member]
Loan to Value Ratio			80.00%
Loans and Leases Receivable, Gross, Total	$ 237,771,000	$ 271,336,000	$ 237,771,000	$ 271,336,000	269,654,000
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	88,683,000	44,774,000	88,683,000	44,774,000	43,127,000
Commercial Portfolio Segment [Member] | SBA CARES Act Paycheck Protection Program [Member]
Loans and Leases Receivable, Gross, Total	46,900,000		46,900,000
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	1,436,000	$ 1,545,000	1,436,000	$ 1,545,000	1,541,000
Real Estate Acquired Through Foreclosure	0		0		1,400,000
Mortgage Loans in Process of Foreclosure, Amount	4,800,000		4,800,000		2,300,000
Mortgage Servicing Rights [Member]
Servicing Asset at Fair Value, Amount, Ending Balance	980,000		980,000		323,000
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Mortgage Loans Serviced	112,000,000		112,000,000		25,900,000
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Mortgage Loans Serviced	$ 23,900,000		$ 23,900,000		$ 13,000,000

Note 3 - Loans Receivable and_4

Note 3 - Loans Receivable and Allowance for Loan Losses - Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Loans receivable	$ 663,982	$ 648,432	$ 663,699
Unearned loan fees	(3,667)	(2,747)
Loans receivable	660,315	645,685
Residential Portfolio Segment [Member]
Loans receivable	237,771	269,654	271,336
Commercial Portfolio Segment [Member]
Loans receivable	88,683	43,127	44,774
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	239,570	229,257	240,764
Construction, Land Acquisition and Development Portfolio Segment [Member]
Loans receivable	84,392	92,822	93,350
Home Equity/2nds Portfolio Segment [Member]
Loans receivable	12,130	12,031	11,930
Consumer Portfolio Segment [Member]
Loans receivable	$ 1,436	$ 1,541	$ 1,545

Note 3 - Loans Receivable and_5

Note 3 - Loans Receivable and Allowance for Loan Losses - Changes in the Allowance and Recorded Investment in Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Beginning Balance	$ 8,169	$ 8,093	$ 7,138	$ 8,044
Charge-offs	(88)	(201)	(103)	(233)
Recoveries	494	39	790	120
Net recoveries (charge-offs)	406	(162)	687	(113)
Provision for (reversal of) loan losses	100	(500)	850	(500)
Ending Balance	8,675	7,431	8,675	7,431
Ending balance - individually evaluated for impairment					$ 664	$ 850	$ 898
Ending balance - collectively evaluated for impairment					8,011	6,288	6,533
Allowance for loans losses	8,169	7,431	7,138	8,044	8,675	7,138	7,431
Ending loan balance -individually evaluated for impairment					14,291	14,250	14,336
Ending loan balance -collectively evaluated for impairment					649,691	634,182	649,363
Loans receivable					663,982	648,432	663,699
Residential Portfolio Segment [Member]
Beginning Balance	2,422	2,566	2,264	2,224
Charge-offs	(39)	0	(39)	(20)
Recoveries	453	3	633	11
Net recoveries (charge-offs)	414	3	594	(9)
Provision for (reversal of) loan losses	(397)	(182)	(419)	172
Ending Balance	2,439	2,387	2,439	2,387
Ending balance - individually evaluated for impairment					577	752	799
Ending balance - collectively evaluated for impairment					1,862	1,512	1,588
Allowance for loans losses	2,439	2,387	2,264	2,224	2,439	2,264	2,387
Ending loan balance -individually evaluated for impairment					12,144	11,517	11,272
Ending loan balance -collectively evaluated for impairment					225,627	258,137	260,064
Loans receivable					237,771	269,654	271,336
Commercial Portfolio Segment [Member]
Beginning Balance	1,677	1,566	1,421	2,736
Charge-offs	0	0	0	0
Recoveries	3	0	11	0
Net recoveries (charge-offs)	3	0	11	0
Provision for (reversal of) loan losses	3	(54)	251	(1,224)
Ending Balance	1,683	1,512	1,683	1,512
Ending balance - individually evaluated for impairment					0	0	0
Ending balance - collectively evaluated for impairment					1,683	1,421	1,512
Allowance for loans losses	1,683	1,512	1,421	2,736	1,683	1,421	1,512
Ending loan balance -individually evaluated for impairment					0	0	0
Ending loan balance -collectively evaluated for impairment					88,683	43,127	44,774
Loans receivable					88,683	43,127	44,774
Commercial Real Estate Portfolio Segment [Member]
Beginning Balance	1,078	792	984	457
Charge-offs	(49)	(199)	(49)	(199)
Recoveries	34	30	136	97
Net recoveries (charge-offs)	(15)	(169)	87	(102)
Provision for (reversal of) loan losses	506	346	498	614
Ending Balance	1,569	969	1,569	969
Ending balance - individually evaluated for impairment					58	64	65
Ending balance - collectively evaluated for impairment					1,511	920	904
Allowance for loans losses	1,569	969	984	457	1,569	984	969
Ending loan balance -individually evaluated for impairment					1,258	1,221	1,685
Ending loan balance -collectively evaluated for impairment					238,312	228,036	239,079
Loans receivable					239,570	229,257	240,764
Construction, Land Acquisition and Development Portfolio Segment [Member]
Beginning Balance	2,789	2,683	2,286	2,239
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net recoveries (charge-offs)	0	0	0	0
Provision for (reversal of) loan losses	(10)	(370)	493	74
Ending Balance	2,779	2,313	2,779	2,313
Ending balance - individually evaluated for impairment					29	32	32
Ending balance - collectively evaluated for impairment					2,750	2,254	2,281
Allowance for loans losses	2,779	2,313	2,286	2,239	2,779	2,286	2,313
Ending loan balance -individually evaluated for impairment					317	880	729
Ending loan balance -collectively evaluated for impairment					84,075	91,942	92,621
Loans receivable					84,392	92,822	93,350
Home Equity/2nds Portfolio Segment [Member]
Beginning Balance	165	223	134	222
Charge-offs	0	0	0	0
Recoveries	4	3	7	9
Net recoveries (charge-offs)	4	3	7	9
Provision for (reversal of) loan losses	9	0	37	(5)
Ending Balance	178	226	178	226
Ending balance - individually evaluated for impairment					0	2	2
Ending balance - collectively evaluated for impairment					178	132	224
Allowance for loans losses	178	226	134	222	178	134	226
Ending loan balance -individually evaluated for impairment					508	563	579
Ending loan balance -collectively evaluated for impairment					11,622	11,468	11,351
Loans receivable					12,130	12,031	11,930
Consumer Portfolio Segment [Member]
Beginning Balance	0	0	0	1
Charge-offs	0	(2)	(15)	(14)
Recoveries	0	3	3	3
Net recoveries (charge-offs)	0	1	(12)	(11)
Provision for (reversal of) loan losses		(1)	12	10
Ending Balance	0	0	0	0
Ending balance - individually evaluated for impairment					0	0	0
Ending balance - collectively evaluated for impairment					0	0	0
Allowance for loans losses	0	0	0	1	0	0	0
Ending loan balance -individually evaluated for impairment					64	69	71
Ending loan balance -collectively evaluated for impairment					1,372	1,472	1,474
Loans receivable					1,436	1,541	1,545
Unallocated Financing Receivables [Member]
Beginning Balance	38	263	49	165
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net recoveries (charge-offs)	0	0	0	0
Provision for (reversal of) loan losses	(11)	(239)	(22)	(141)
Ending Balance	27	24	27	24
Ending balance - individually evaluated for impairment					0	0	0
Ending balance - collectively evaluated for impairment					27	49	24
Allowance for loans losses	$ 27	$ 24	$ 49	$ 165	27	49	24
Ending loan balance -individually evaluated for impairment
Ending loan balance -collectively evaluated for impairment
Loans receivable

Note 3 - Loans Receivable and_6

Note 3 - Loans Receivable and Allowance for Loan Losses - Credit Quality Breakdown of Loan Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Loans receivable	$ 663,982	$ 648,432	$ 663,699
Pass [Member]
Loans receivable	654,540	638,135
Special Mention [Member]
Loans receivable	2,055	4,437
Substandard [Member]
Loans receivable	7,387	5,860
Residential Portfolio Segment [Member]
Loans receivable	237,771	269,654	271,336
Residential Portfolio Segment [Member] | Pass [Member]
Loans receivable	232,055	265,510
Residential Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	0	0
Residential Portfolio Segment [Member] | Substandard [Member]
Loans receivable	5,716	4,144
Commercial Portfolio Segment [Member]
Loans receivable	88,683	43,127	44,774
Commercial Portfolio Segment [Member] | Pass [Member]
Loans receivable	87,483	41,927
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	1,200	1,200
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans receivable	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	239,570	229,257	240,764
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loans receivable	237,630	225,363
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	855	2,835
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans receivable	1,085	1,059
Construction, Land Acquisition and Development Portfolio Segment [Member]
Loans receivable	84,392	92,822	93,350
Construction, Land Acquisition and Development Portfolio Segment [Member] | Pass [Member]
Loans receivable	83,919	92,304
Construction, Land Acquisition and Development Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	0	0
Construction, Land Acquisition and Development Portfolio Segment [Member] | Substandard [Member]
Loans receivable	473	518
Home Equity/2nds Portfolio Segment [Member]
Loans receivable	12,130	12,031	11,930
Home Equity/2nds Portfolio Segment [Member] | Pass [Member]
Loans receivable	12,017	11,490
Home Equity/2nds Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	0	402
Home Equity/2nds Portfolio Segment [Member] | Substandard [Member]
Loans receivable	113	139
Consumer Portfolio Segment [Member]
Loans receivable	1,436	1,541	$ 1,545
Consumer Portfolio Segment [Member] | Pass [Member]
Loans receivable	1,436	1,541
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	0	0
Consumer Portfolio Segment [Member] | Substandard [Member]
Loans receivable	$ 0	$ 0

Note 3 - Loans Receivable and_7

Note 3 - Loans Receivable and Allowance for Loan Losses - Classes of the Loan Portfolio Summarized by the Aging Categories of Performing Loans and Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Loans receivable, past due	$ 5,610	$ 5,833
Loans receivable, current	658,372	642,599
Loans receivable	663,982	648,432	$ 663,699
Loans receivable, nonaccrual	5,832	4,242
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	512	3,183
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	49	185
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	5,049	2,465
Residential Portfolio Segment [Member]
Loans receivable, past due	5,142	5,464
Loans receivable, current	232,629	264,190
Loans receivable	237,771	269,654	271,336
Loans receivable, nonaccrual	5,356	3,766
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	445	3,183
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	49	81
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	4,648	2,200
Commercial Portfolio Segment [Member]
Loans receivable, past due	0	0
Loans receivable, current	88,683	43,127
Loans receivable	88,683	43,127	44,774
Loans receivable, nonaccrual	0	0
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	0	0
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable, past due	294	126
Loans receivable, current	239,276	229,131
Loans receivable	239,570	229,257	240,764
Loans receivable, nonaccrual	288	237
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	6	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	288	126
Construction, Land Acquisition and Development Portfolio Segment [Member]
Loans receivable, past due	0	89
Loans receivable, current	84,392	92,733
Loans receivable	84,392	92,822	93,350
Loans receivable, nonaccrual	66	89
Construction, Land Acquisition and Development Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	0	0
Construction, Land Acquisition and Development Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	0	89
Construction, Land Acquisition and Development Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	0	0
Home Equity/2nds Portfolio Segment [Member]
Loans receivable, past due	174	139
Loans receivable, current	11,956	11,892
Loans receivable	12,130	12,031	11,930
Loans receivable, nonaccrual	122	150
Home Equity/2nds Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	61	0
Home Equity/2nds Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	0	0
Home Equity/2nds Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	113	139
Consumer Portfolio Segment [Member]
Loans receivable, past due	0	15
Loans receivable, current	1,436	1,526
Loans receivable	1,436	1,541	$ 1,545
Loans receivable, nonaccrual	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable, past due	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable, past due	0	15
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable, past due	$ 0	$ 0

Note 3 - Loans Receivable and_8

Note 3 - Loans Receivable and Allowance for Loan Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Residential Portfolio Segment [Member]
Unpaid principal balance, with no related allowance	$ 9,289		$ 9,289		$ 7,258
Recorded investment, with no related allowance	8,984		8,984		7,035
Unpaid principal balance, with a related allowance	3,284		3,284		4,604
Recorded investment, with a related allowance	3,160		3,160		4,482
Related allowance	577		577		752
Unpaid principal balance	12,573		12,573		11,862
Recorded investment	12,144		12,144		11,517
Average recorded investment, with no related allowance	8,767	$ 6,355	8,616	$ 6,797
Interest income recognized, with no related allowance	72	57	206	198
Average recorded investment, with a related allowance	3,721	4,943	3,701	5,532
Interest income recognized, with a related allowance	28	66	100	206
Average recorded investment	12,488	11,298	12,317	12,329
Interest income recognized	100	123	306	404
Commercial Portfolio Segment [Member]
Unpaid principal balance, with no related allowance	0		0		0
Recorded investment, with no related allowance	0		0		0
Unpaid principal balance, with a related allowance	0		0		0
Recorded investment, with a related allowance	0		0		0
Related allowance	0		0		0
Unpaid principal balance	0		0		0
Recorded investment	0		0		0
Average recorded investment, with no related allowance	0	0	0	0
Interest income recognized, with no related allowance	0	0	0	0
Average recorded investment, with a related allowance	0	0	0	108
Interest income recognized, with a related allowance	0	0	0	0
Average recorded investment	0	0	0	108
Interest income recognized	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Unpaid principal balance, with no related allowance	764		764		908
Recorded investment, with no related allowance	714		714		668
Unpaid principal balance, with a related allowance	544		544		553
Recorded investment, with a related allowance	544		544		553
Related allowance	58		58		64
Unpaid principal balance	1,308		1,308		1,461
Recorded investment	1,258		1,258		1,221
Average recorded investment, with no related allowance	767	1,259	764	1,215
Interest income recognized, with no related allowance	9	15	30	52
Average recorded investment, with a related allowance	546	561	544	660
Interest income recognized, with a related allowance	5	6	24	25
Average recorded investment	1,313	1,820	1,308	1,875
Interest income recognized	14	21	54	77
Construction, Land Acquisition and Development Portfolio Segment [Member]
Unpaid principal balance, with no related allowance	219		219		752
Recorded investment, with no related allowance	214		214		752
Unpaid principal balance, with a related allowance	103		103		128
Recorded investment, with a related allowance	103		103		128
Related allowance	29		29		32
Unpaid principal balance	322		322		880
Recorded investment	317		317		880
Average recorded investment, with no related allowance	226	599	217	925
Interest income recognized, with no related allowance	3	8	10	22
Average recorded investment, with a related allowance	104	130	103	133
Interest income recognized, with a related allowance	1	2	3	6
Average recorded investment	330	729	320	1,058
Interest income recognized	4	10	13	28
Home Equity/2nds Portfolio Segment [Member]
Unpaid principal balance, with no related allowance	924		924		996
Recorded investment, with no related allowance	508		508		553
Unpaid principal balance, with a related allowance	0		0		12
Recorded investment, with a related allowance	0		0		10
Related allowance	0		0		2
Unpaid principal balance	924		924		1,008
Recorded investment	508		508		563
Average recorded investment, with no related allowance	337	574	320	775
Interest income recognized, with no related allowance	7	11	21	32
Average recorded investment, with a related allowance	0	11	0	17
Interest income recognized, with a related allowance	0	0	0	1
Average recorded investment	337	585	320	792
Interest income recognized	7	11	21	33
Consumer Portfolio Segment [Member]
Unpaid principal balance, with no related allowance	64		64		69
Recorded investment, with no related allowance	64		64		69
Unpaid principal balance, with a related allowance	0		0		0
Recorded investment, with a related allowance	0		0		0
Related allowance	0		0		0
Unpaid principal balance	64		64		69
Recorded investment	64		64		$ 69
Average recorded investment, with no related allowance	81	68	64	52
Interest income recognized, with no related allowance	1	1	2	4
Average recorded investment, with a related allowance	0	3	0	22
Interest income recognized, with a related allowance	0	0	0	0
Average recorded investment	81	71	64	74
Interest income recognized	$ 1	$ 1	$ 2	$ 4

Note 3 - Loans Receivable and_9

Note 3 - Loans Receivable and Allowance for Loan Losses - Portfolio of TDRs (Details) $ in Thousands	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
TDRs, total number of modifications	31	37
TDR, total balance of modifications	$ 7,958	$ 8,943
Accrual Status Loan [Member]
TDRs, total number of modifications	30	36
TDR, total balance of modifications	$ 7,878	$ 8,858
Nonaccrual Status Loan [Member]
TDRs, total number of modifications	1	1
TDR, total balance of modifications	$ 80	$ 85
Residential Portfolio Segment [Member]
TDRs, total number of modifications	27	32
TDR, total balance of modifications	$ 6,796	$ 7,760
Residential Portfolio Segment [Member] | Accrual Status Loan [Member]
TDRs, total number of modifications	26	31
TDR, total balance of modifications	$ 6,716	$ 7,675
Residential Portfolio Segment [Member] | Nonaccrual Status Loan [Member]
TDRs, total number of modifications	1	1
TDR, total balance of modifications	$ 80	$ 85
Commercial Real Estate Portfolio Segment [Member]
TDRs, total number of modifications	2	2
TDR, total balance of modifications	$ 969	$ 984
Commercial Real Estate Portfolio Segment [Member] | Accrual Status Loan [Member]
TDRs, total number of modifications	2	2
TDR, total balance of modifications	$ 969	$ 984
Commercial Real Estate Portfolio Segment [Member] | Nonaccrual Status Loan [Member]
TDRs, total number of modifications	0	0
TDR, total balance of modifications	$ 0	$ 0
Construction, Land Acquisition and Development Portfolio Segment [Member]
TDRs, total number of modifications	1	1
TDR, total balance of modifications	$ 129	$ 130
Construction, Land Acquisition and Development Portfolio Segment [Member] | Accrual Status Loan [Member]
TDRs, total number of modifications	1	1
TDR, total balance of modifications	$ 129	$ 130
Construction, Land Acquisition and Development Portfolio Segment [Member] | Nonaccrual Status Loan [Member]
TDRs, total number of modifications	0	0
TDR, total balance of modifications	$ 0	$ 0
Consumer Portfolio Segment [Member]
TDRs, total number of modifications	1	2
TDR, total balance of modifications	$ 64	$ 69
Consumer Portfolio Segment [Member] | Accrual Status Loan [Member]
TDRs, total number of modifications	1	2
TDR, total balance of modifications	$ 64	$ 69
Consumer Portfolio Segment [Member] | Nonaccrual Status Loan [Member]
TDRs, total number of modifications	0	0
TDR, total balance of modifications	$ 0	$ 0

Note 4 - Regulatory Matters - B

Note 4 - Regulatory Matters - Bank's Regulatory Capital Amounts and Ratios (Details) $ in Thousands	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Tier 1 capital (to average quarterly assets)	$ 120,056	$ 117,492
Tier 1 capital (to average quarterly assets)	0.136	0.134
Tier 1 capital (to average quarterly assets)	$ 61,822	$ 34,995
Tier 1 capital (to average quarterly assets)	0.070	0.040
Tier 1 capital (to average quarterly assets)	$ 70,654	$ 43,744
Tier 1 capital (to average quarterly assets)	0.080	0.050
Common Equity Tier 1 Capital (to risk-weighted assets), actual amount		$ 117,492
Common Equity Tier 1 Capital (to risk-weighted assets), actual ratio		0.185
Common Equity Tier 1 Capital (to risk-weighted assets), minimum requirements for capital adequacy purposes amount		$ 28,617
Common Equity Tier 1 Capital (to risk-weighted assets), minimum requirements for capital adequacy purposes ratio		0.045
Common Equity Tier 1 Capital (to risk-weighted assets), minimum requirements for capital adequacy purposes with capital conservation buffer amount		$ 44,515
Common Equity Tier 1 Capital (to risk-weighted assets), minimum requirements for capital adequacy purposes with capital conservation buffer ratio		7.00%
Common Equity Tier 1 Capital (to risk-weighted assets), to be well capitalized under prompt corrective action provision amount		$ 41,336
Common Equity Tier 1 Capital (to risk-weighted assets), to be well capitalized under prompt corrective action provision ratio		0.065
Total capital (to risk-weighted assets), actual amount		$ 124,619
Total capital (to risk-weighted assets), actual ratio		0.196
Total capital (to risk-weighted assets), minimum requirements for capital adequacy purposes amount		$ 50,875
Total capital (to risk-weighted assets), minimum requirements for capital adequacy purposes ratio		0.080
Total capital (to risk-weighted assets), minimum requirements for capital adequacy purposes with capital conservation buffer amount		$ 66,773
Total capital (to risk-weighted assets), minimum requirements for capital adequacy purposes with capital conservation buffer ratio		10.50%
Total capital (to risk-weighted assets), to be well capitalized under prompt corrective action provision amount		$ 63,593
Total capital (to risk-weighted assets), to be well capitalized under prompt corrective action provision ratio		0.100
Tier 1 capital (to risk-weighted assets), actual amount		$ 117,492
Tier 1 capital (to risk-weighted assets), actual ratio		0.185
Tier 1 capital (to risk-weighted assets), minimum requirements for capital adequacy purposes amount		$ 38,156
Tier 1 capital (to risk-weighted assets), minimum requirements for capital adequacy purposes ratio		0.060
Tier 1 capital (to risk-weighted assets), minimum requirements for capital adequacy purposes with capital conservation buffer amount		$ 54,054
Tier 1 capital (to risk-weighted assets), minimum requirements for capital adequacy purposes with capital conservation buffer ratio		8.50%
Tier 1 capital (to risk-weighted assets), to be well capitalized under prompt corrective action provision amount		$ 50,875
Tier 1 capital (to risk-weighted assets), to be well capitalized under prompt corrective action provision ratio		0.080
Tier 1 capital (to average quarterly assets)		$ 56,867
Tier 1 capital (to average quarterly assets)		6.50%

Note 5 - Earnings Per Share (De

Note 5 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	172,250	0	172,250	0

Note 5 - Earnings Per Share - C

Note 5 - Earnings Per Share - Calculations of Income per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Weighted-average shares outstanding - basic (in shares)	12,812,976	12,776,911	12,812,864	12,775,104
Dilution (in shares)	7,558	64,768	16,846	78,708
Weighted-average share outstanding - diluted (in shares)	12,820,534	12,841,679	12,829,710	12,853,812
Net income	$ 1,898	$ 2,381	$ 4,200	$ 7,166
Net income per common share - basic (in dollars per share)	$ 0.15	$ 0.19	$ 0.33	$ 0.56
Net income per common share - diluted (in dollars per share)	$ 0.15	$ 0.19	$ 0.33	$ 0.56

Note 6 - Stock-based Compensa_3

Note 6 - Stock-based Compensation (Details Textual) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)	500,000		500,000
Share-based Payment Arrangement, Expense	$ 34,000	$ 32,000	$ 102,000	$ 109,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)			10,500	0	0
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount, Total	$ 173,000		$ 173,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Month)			24 months
Maximum [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)			10 years
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)			5 years

Note 6 - Stock-based Compensa_4

Note 6 - Stock-based Compensation - Information Regarding Stock-based Compensation Plan (Details) - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Outstanding, number of shares (in shares)	234,173	349,023	349,023
Outstanding, weighted average exercise price (in dollars per share)	$ 6.60	$ 6.32	$ 6.32
Granted, number of shares (in shares)	10,500	0	0
Granted, weighted average exercise price (in dollars per share)	$ 8.26	$ 0
Exercised, number of shares (in shares)	(2,050)	(17,961)
Exercised, weighted average exercise price (in dollars per share)	$ 6.78	$ 5.39
Exercised, aggregate intrinsic value	$ 0	$ 47
Forfeited, number of shares (in shares)	(1,000)	(54,000)
Forfeited, weighted average exercise price (in dollars per share)	$ 7.10	$ 6.58
Outstanding, number of shares (in shares)	241,623	277,062	234,173
Outstanding, weighted average exercise price (in dollars per share)	$ 6.67	$ 6.33	$ 6.60
Outstanding, weighted average remaining contractual term (Year)	2 years 2 months 12 days	2 years 7 months 6 days
Outstanding, aggregate intrinsic value	$ 47	$ 461
Exercisable, number of shares (in shares)	183,416	185,970
Exercisable, weighted average exercise price (in dollars per share)	$ 6.41	$ 5.94
Exercisable, weighted average remaining contractual term (Year)	1 year 9 months 18 days	2 years
Exercisable, aggregate intrinsic value	$ 47	$ 383

Note 6 - Stock-based Compensa_5

Note 6 - Stock-based Compensation - Stock Options Valuation Assumptions (Details)	9 Months Ended
	Sep. 30, 2020$ / shares
Expected life (Year)	5 years 6 months
Risk-free interest rate	0.95%
Expected volatility	27.83%
Expected dividend yield	1.95%
Weighted average per share fair value of options granted (in dollars per share)	$ 1.75

Note 7 - Commitments and Cont_3

Note 7 - Commitments and Contingencies (Details Textual)	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Deposits, Total	$ 783,238,000		$ 783,238,000		$ 661,049,000
Interest Income (Expense), Net, Total	6,530,000	$ 7,649,000	19,930,000	$ 23,579,000
Noninterest Income, Total	4,713,000	2,813,000	$ 10,975,000	7,688,000
Standby Letters of Credit [Member]
Letters of Credit, Expiration Period (Month)			12 months
Letters of Credit, Renewal Period (Year)			1 year
Letters of Credit Outstanding, Amount	$ 8,000		$ 8,000		$ 14,000
Home Equity Line of Credit [Member]
Loan Commitment, Expiration Period (Year)			10 years
Mortgage Loan Commitments [Member]
Number of Mortgage Commitments at Fixed Rate of Interest	1		1		3
Loans Receivable with Fixed Rates of Interest	$ 1,100,000		$ 1,100,000		$ 701,000
Obligation to Repurchase Receivables Sold [Member]
Payments for Repurchases of Loans Previously Sold			$ 0	0
Obligation to Repurchase Receivables Sold [Member] | Minimum [Member]
Period of Delinquency Under Repurchase Agreement (Day)			120 days
Obligation to Repurchase Receivables Sold [Member] | Maximum [Member]
Period of Delinquency Under Repurchase Agreement (Day)			180 days
Business Activities With Medical Use Cannabis Customers [Member]
Loss Contingency Accrual, Ending Balance	0		$ 0
Business Activities With Medical Use Cannabis Customers [Member] | Cannabis Customers [Member]
Deposits, Total	$ 46,700,000		$ 46,700,000		$ 22,800,000
Percentage of Interest-bearing Domestic Deposits to Deposits	6.00%		6.00%		3.40%
Financing Receivable, after Allowance for Credit Loss, Total	$ 18,700,000		$ 18,700,000		$ 14,000,000
Percentage of Loans in Total Loans	2.80%		2.80%		2.20%
Interest Income (Expense), Net, Total	$ 202,000	227,000	$ 560,000	655,000
Noninterest Income, Total	1,600,000	515,000	3,200,000	1,500,000
Volume of Deposits Accepted	$ 148,600,000	$ 70,500,000	$ 381,400,000	$ 176,600,000

Note 7 - Commitments and Cont_4

Note 7 - Commitments and Contingencies - Off-balance Sheet Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Standby Letters of Credit [Member]
Off-balance sheet credit risk	$ 2,901	$ 3,325
Home Equity Line of Credit [Member]
Off-balance sheet credit risk	16,772	16,917
Unadvanced Construction Commitments [Member]
Off-balance sheet credit risk	78,114	79,378
Mortgage Loan Commitments [Member]
Off-balance sheet credit risk	1,069	701
Domestic Line of Credit [Member]
Off-balance sheet credit risk	33,866	16,501
Obligation to Repurchase Receivables Sold [Member]
Off-balance sheet credit risk	$ 49,624	$ 76,536

Note 8 - Derivatives (Details T

Note 8 - Derivatives (Details Textual)	9 Months Ended
	Sep. 30, 2020
Minimum [Member]
Derivative, Term of Contract (Day)	14 days
Maximum [Member]
Derivative, Term of Contract (Day)	60 days

Note 8 - Derivatives - Carrying

Note 8 - Derivatives - Carrying Amounts of Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Interest Rate Lock Commitments [Member]
Asset, notional amount	$ 28,008	$ 7,645
Asset, estimated fair value	995	179
Liability, notional amount	33,505	0
Liability, estimated fair value	6	0
Mandatory Forward Contracts [Member]
Asset, notional amount	16,209	10,591
Asset, estimated fair value	115	23
Liability, notional amount	5,105	0
Liability, estimated fair value	$ 19	$ 0

Note 9 - Fair Value - Fair Valu

Note 9 - Fair Value - Fair Value Measurements for Assets and Liabilities on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
AFS securities	$ 54,205	$ 12,906
Reported Value Measurement [Member]
AFS securities	54,205	12,906
Mortgage loans held for sale ("LHFS")	21,722	10,910
Reported Value Measurement [Member] | Fair Value, Recurring [Member]
Mortgage loans held for sale ("LHFS")	21,722	10,910
MSRs	980	323
Estimate of Fair Value Measurement [Member]
AFS securities	54,205	12,906
Mortgage loans held for sale ("LHFS")	21,722	10,910
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
AFS securities	0	0
Mortgage loans held for sale ("LHFS")	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
AFS securities	54,205	12,906
Mortgage loans held for sale ("LHFS")	21,722	10,910
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
AFS securities	0	0
Mortgage loans held for sale ("LHFS")	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Mortgage loans held for sale ("LHFS")	0	0
MSRs	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Mortgage loans held for sale ("LHFS")	21,722	10,910
MSRs	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Mortgage loans held for sale ("LHFS")	0	0
MSRs	980	323
Changes Measurement [Member] | Fair Value, Recurring [Member]
Mortgage loans held for sale ("LHFS")	92	(5)
MSRs	(868)	(114)
US Government Agencies Debt Securities [Member]
AFS securities	6,384	5,019
US Government Agencies Debt Securities [Member] | Reported Value Measurement [Member] | Fair Value, Recurring [Member]
AFS securities	6,384	5,019
US Government Agencies Debt Securities [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
AFS securities	0	0
US Government Agencies Debt Securities [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
AFS securities	6,384	5,019
US Government Agencies Debt Securities [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
AFS securities	0	0
US Government Agencies Debt Securities [Member] | Changes Measurement [Member] | Fair Value, Recurring [Member]
AFS securities	0	0
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
AFS securities	45,835	7,887
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Reported Value Measurement [Member] | Fair Value, Recurring [Member]
AFS securities	45,835	7,887
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
AFS securities	0	0
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
AFS securities	45,835	7,887
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
AFS securities	0	0
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Changes Measurement [Member] | Fair Value, Recurring [Member]
AFS securities	0	0
Corporate Debt Securities [Member]
AFS securities	1,986
Corporate Debt Securities [Member] | Reported Value Measurement [Member] | Fair Value, Recurring [Member]
AFS securities	1,986
Corporate Debt Securities [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
AFS securities	0
Corporate Debt Securities [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
AFS securities	1,986
Corporate Debt Securities [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
AFS securities	0
Corporate Debt Securities [Member] | Changes Measurement [Member] | Fair Value, Recurring [Member]
AFS securities	0
Interest Rate Lock Commitments [Member] | Reported Value Measurement [Member] | Fair Value, Recurring [Member]
Derivative asset	995	179
Derivative liability	6
Interest Rate Lock Commitments [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Derivative asset	0	0
Derivative liability	0
Interest Rate Lock Commitments [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Derivative asset	0	0
Derivative liability	0
Interest Rate Lock Commitments [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Derivative asset	995	179
Derivative liability	6
Interest Rate Lock Commitments [Member] | Changes Measurement [Member] | Fair Value, Recurring [Member]
Derivative asset	810	79
Derivative liability	6
Mandatory Forward Contracts [Member] | Reported Value Measurement [Member] | Fair Value, Recurring [Member]
Derivative asset	115	23
Derivative liability	19
Mandatory Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Derivative asset	0	0
Derivative liability	0
Mandatory Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Derivative asset	115	23
Derivative liability	19
Mandatory Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Derivative asset	0	0
Derivative liability	0
Mandatory Forward Contracts [Member] | Changes Measurement [Member] | Fair Value, Recurring [Member]
Derivative asset	77	39
Derivative liability	4
Best Efforts Forward Contracts [Member] | Reported Value Measurement [Member] | Fair Value, Recurring [Member]
Derivative asset	101	23
Derivative liability	90
Best Efforts Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Derivative asset	0	0
Derivative liability	0
Best Efforts Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Derivative asset	101	23
Derivative liability	90
Best Efforts Forward Contracts [Member] | Estimate of Fair Value Measurement [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Derivative asset	0	0
Derivative liability	0
Best Efforts Forward Contracts [Member] | Changes Measurement [Member] | Fair Value, Recurring [Member]
Derivative asset	69	$ 23
Derivative liability	$ 81

Note 9 - Fair Value - Additiona

Note 9 - Fair Value - Additional Quantitative Information about Assets Measured at Fair Value on a Recurring Basis (Details)		Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset		$ 989,000	$ 179,000
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Weighted Average [Member] | Measurement Input, Pull Through Rate [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset		0.88	0.83
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Minimum [Member] | Measurement Input, Pull Through Rate [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset		0.70	0.70
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Maximum [Member] | Measurement Input, Pull Through Rate [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset		1	0.95
Mortgage Servicing Rights [Member]
MSRs		$ 980,000	$ 323,000
Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member]
MSRs	[1]	$ 980,000	$ 323,000
Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Weighted Average [Member] | Measurement Input, Prepayment Rate [Member]
MSRs	[1]	3.30	0.1110
[1]	The weighted average was calculated with reference to the principal balance of the underlying mortgages.

Note 9 - Fair Value - Activity

Note 9 - Fair Value - Activity in MSRs (Details) - Fair Value, Recurring [Member] - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Beginning balance	$ 615	$ 343	$ 323	$ 437
Additions	737	0	1,525	0
Valuation adjustment	(372)	(27)	(868)	(121)
Ending balance	$ 980	$ 316	$ 980	$ 316

Note 9 - Fair Value - Activit_2

Note 9 - Fair Value - Activity in IRLCs (Details) - Interest Rate Lock Commitments [Member] - Fair Value, Recurring [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Beginning balance	$ 546	$ 345	$ 179	$ 100
Valuation adjustment	443	(165)	810	80
Ending balance	$ 989	$ 180	$ 989	$ 180

Note 9 - Fair Value - Assets Me

Note 9 - Fair Value - Assets Measured on a Nonrecurring Basis (Details) - Fair Value, Nonrecurring [Member] $ in Thousands		Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Measurement Input, Discount Rate [Member] | Minimum [Member]
Impaired loans	[1]	0	0
Real estate acquired through foreclosure	[1]		0
Measurement Input, Discount Rate [Member] | Maximum [Member]
Impaired loans	[1]	0.14	1.60
Real estate acquired through foreclosure	[1]		0.16
Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Impaired loans	[2]	0.07	0.08
Real estate acquired through foreclosure	[2]		0.10
Reported Value Measurement [Member] | Impaired Loans [Member]
Assets, fair value		$ 3,143	$ 4,437
Reported Value Measurement [Member] | Real Estate Acquired Through Foreclosure [Member]
Assets, fair value			1,174
Estimate of Fair Value Measurement [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, fair value		0	0
Estimate of Fair Value Measurement [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, fair value		0	0
Estimate of Fair Value Measurement [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, fair value		$ 3,143	4,437
Estimate of Fair Value Measurement [Member] | Real Estate Acquired Through Foreclosure [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, fair value			0
Estimate of Fair Value Measurement [Member] | Real Estate Acquired Through Foreclosure [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, fair value			0
Estimate of Fair Value Measurement [Member] | Real Estate Acquired Through Foreclosure [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, fair value			$ 1,174
[1]	Discount based on current market conditions and estimated selling costs
[2]	Inputs are weighted based on the relative fair values of the instruments

Note 9 - Fair Value - Carrying

Note 9 - Fair Value - Carrying Value and Fair Value of Financial Instruments (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
AFS securities	$ 54,205,000	$ 12,906,000
Mortgage Servicing Rights [Member]
MSRs	980,000	323,000
Reported Value Measurement [Member]
Cash and cash equivalents	142,823,000	88,193,000
Certificates of deposit held for investment	4,828,000	7,540,000
AFS securities	54,205,000	12,906,000
HTM securities	19,709,000	25,960,000
LHFS	21,722,000	10,910,000
Loans receivable, net	651,640,000	638,547,000
Restricted stock investments	1,661,000	2,431,000
Accrued interest receivable	2,521,000	2,458,000
Deposits	783,238,000	661,049,000
Accrued interest payable	213,000	317,000
Borrowings	20,000,000	35,000,000
Subordinated debentures	20,619,000	20,619,000
Reported Value Measurement [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset	995,000	179,000
Derivative liability	6,000
Reported Value Measurement [Member] | Mandatory Forward Contracts [Member]
IRLCs - net asset	101,000	23,000
Derivative liability	19,000
Reported Value Measurement [Member] | Best Efforts Forward Contracts [Member]
IRLCs - net asset	115,000	23,000
Derivative liability	90,000
Reported Value Measurement [Member] | Mortgage Servicing Rights [Member]
MSRs	980,000	323,000
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	142,823,000	88,193,000
Certificates of deposit held for investment	4,828,000	7,540,000
AFS securities	54,205,000	12,906,000
HTM securities	20,440,000	26,158,000
LHFS	21,722,000	10,910,000
Loans receivable, net	655,396,000	647,238,000
Restricted stock investments	1,661,000	2,431,000
Accrued interest receivable	2,521,000	2,458,000
Deposits	784,060,000	662,418,000
Accrued interest payable	213,000	317,000
Borrowings	20,354,000	35,063,000
Subordinated debentures	16,135,000	16,754,000
Estimate of Fair Value Measurement [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset	995,000	179,000
Derivative liability	6,000
Estimate of Fair Value Measurement [Member] | Mandatory Forward Contracts [Member]
IRLCs - net asset	101,000	23,000
Derivative liability	19,000
Estimate of Fair Value Measurement [Member] | Best Efforts Forward Contracts [Member]
IRLCs - net asset	115,000	23,000
Derivative liability	90,000
Estimate of Fair Value Measurement [Member] | Mortgage Servicing Rights [Member]
MSRs	980,000	323,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	142,823,000	88,193,000
Certificates of deposit held for investment	4,828,000	7,540,000
AFS securities	0	0
HTM securities	1,003,000	1,008,000
LHFS	0	0
Loans receivable, net	0	0
Restricted stock investments	0	0
Accrued interest receivable	0	0
Deposits	0	0
Accrued interest payable	0	0
Borrowings	0	0
Subordinated debentures	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset	0	0
Derivative liability	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Mandatory Forward Contracts [Member]
IRLCs - net asset	0	0
Derivative liability	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Best Efforts Forward Contracts [Member]
IRLCs - net asset	0	0
Derivative liability	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage Servicing Rights [Member]
MSRs	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	0	0
Certificates of deposit held for investment	0	0
AFS securities	54,205,000	12,906,000
HTM securities	19,437,000	25,150,000
LHFS	21,722,000	10,910,000
Loans receivable, net	0	0
Restricted stock investments	1,661,000	2,431,000
Accrued interest receivable	2,521,000	2,458,000
Deposits	784,060,000	662,418,000
Accrued interest payable	213,000	317,000
Borrowings	20,354,000	35,063,000
Subordinated debentures	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset	0	0
Derivative liability	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Mandatory Forward Contracts [Member]
IRLCs - net asset	101,000	23,000
Derivative liability	19,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Best Efforts Forward Contracts [Member]
IRLCs - net asset	115,000	23,000
Derivative liability	90,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage Servicing Rights [Member]
MSRs	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents	0	0
Certificates of deposit held for investment	0	0
AFS securities	0	0
HTM securities	0	0
LHFS	0	0
Loans receivable, net	655,396,000	647,238,000
Restricted stock investments	0	0
Accrued interest receivable	0	0
Deposits	0	0
Accrued interest payable	0	0
Borrowings	0	0
Subordinated debentures	16,135,000	16,754,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Lock Commitments [Member]
IRLCs - net asset	995,000	179,000
Derivative liability	6,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Mandatory Forward Contracts [Member]
IRLCs - net asset	0	0
Derivative liability	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Best Efforts Forward Contracts [Member]
IRLCs - net asset	0	0
Derivative liability	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage Servicing Rights [Member]
MSRs	$ 980,000	$ 323,000