Eagle Financial Services (EFSI) 10-Q 10 Nov 22 2022 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Nov. 04, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-20146
Entity Registrant Name	EAGLE FINANCIAL SERVICES, INC.
Entity Central Index Key	0000880641
Current Fiscal Year End Date	--12-31
Document Period End Date	Sep. 30, 2022
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1601306
Entity Address, Address Line One	2 East Main Street
Entity Address, City or Town	Berryville
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	22611
City Area Code	(540)
Local Phone Number	955-2510
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		3,490,171

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 16,094	$ 14,536
Interest-bearing deposits with other institutions	14,688	49,304
Federal funds sold	5,153	228
Total cash and cash equivalents	35,935	64,068
Securities available for sale, at fair value	151,753	192,321
Restricted investments, at cost	4,608	1,049
Loans held for sale	90	876
Loans	1,201,841	985,720
Allowance for loan losses	(10,742)	(8,787)
Net Loans	1,191,099	976,933
Bank premises and equipment, net	17,972	18,249
Bank owned life insurance	23,731	23,236
Other assets	47,932	26,306
Total assets	1,473,120	1,303,038
Deposits:
Noninterest bearing demand deposits	491,184	470,355
Savings and interest bearing demand deposits	632,081	583,296
Time deposits	130,849	123,584
Total deposits	1,254,114	1,177,235
Federal Home Loan Bank advances	75,000	0
Subordinated debt, net of unamortized issuance costs	29,360	0
Other liabilities	16,146	15,523
Total liabilities	1,374,620	1,192,758
Commitments and contingencies
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued	0	0
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2022, 3,490,171 including 50,108 shares of unvested restricted stock; issued and outstanding 2021, 3,454,128 including 31,738 shares of unvested restricted stock	8,600	8,556
Surplus	13,003	12,115
Retained earnings	98,128	89,764
Accumulated other comprehensive (loss)	(21,231)	(155)
Total shareholders’ equity	98,500	110,280
Total liabilities and shareholders’ equity	$ 1,473,120	$ 1,303,038

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2022	Dec. 31, 2021
Statement Of Financial Position [Abstract]
Preferred stock, par value	$ 10	$ 10
Preferred stock, shares authorized	500,000	500,000
Common stock, par value	$ 2.50	$ 2.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	3,490,171	3,454,128
Common stock, shares, outstanding	3,490,171	3,454,128
Common stock, unvested restricted shares	50,108	31,738

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and Dividend Income
Interest and fees on loans	$ 13,282	$ 10,049	$ 35,565	$ 29,206
Interest and dividends on securities available for sale:
Taxable interest income	851	600	2,477	1,596
Interest income exempt from federal income taxes	59	96	217	321
Dividends	22	11	49	35
Interest on deposits in banks	143	26	199	53
Interest on federal funds sold	9		15
Total interest and dividend income	14,366	10,782	38,522	31,211
Interest Expense
Interest on deposits	714	383	1,467	1,304
Interest on federal funds purchased	11		19
Interest on Federal Home Loan Bank advances	404		404
Interest on subordinated debt	338		675
Total interest expense	1,467	383	2,565	1,304
Net interest income	12,899	10,399	35,957	29,907
Provision for loan losses		300	900	1,183
Net interest income after provision for loan losses	12,899	10,099	35,057	28,724
Noninterest Income
Wealth management fees	1,094	876	3,077	2,133
Service charges on deposit accounts	432	338	1,195	869
Other service charges and fees	1,061	964	2,999	3,037
(Loss) gain on sale of securities	(737)		(737)	24
Gain (loss) on disposal of bank premises and equipment	8		(3)
Gain on sale of loans	568	486	1,544	845
Bank owned life insurance income	138	145	495	368
Other operating income	600	72	1,686	682
Total noninterest income	3,164	2,881	10,256	7,958
Noninterest Expenses
Salaries and employee benefits	6,938	5,947	18,873	15,973
Occupancy expenses	528	450	1,562	1,319
Equipment expenses	299	246	814	708
Advertising and marketing expenses	181	102	438	286
Stationery and supplies	34	27	135	125
ATM network fees	381	285	977	847
Other real estate owned expense		32		37
Loss on other real estate owned		26		128
FDIC assessment	116	169	430	409
Computer software expense	252	282	690	752
Bank franchise tax	234	199	653	583
Professional fees	270	289	1,610	1,118
Data processing fees	427	418	1,386	1,193
Other operating expenses	1,398	1,051	3,941	2,688
Total noninterest expenses	11,058	9,523	31,509	26,166
Income before income taxes	5,005	3,457	13,804	10,516
Income Tax Expense	923	584	2,480	1,778
Net income	$ 4,082	$ 2,873	$ 11,324	$ 8,738
Earnings Per Share
Net income per common share, basic	$ 1.17	$ 0.83	$ 3.25	$ 2.54
Net income per common share, diluted	$ 1.17	$ 0.83	$ 3.25	$ 2.54

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement Of Income And Comprehensive Income [Abstract]
Net income	$ 4,082	$ 2,873	$ 11,324	$ 8,738
Other comprehensive (loss):
Unrealized (loss) on available for sale securities net of reclassification adjustments, and net of deferred income tax of ($1,189) and $(10) for the three months ended and ($5,603) and ($583) for the nine months ended, respectively	(4,475)	(37)	(21,076)	(2,194)
Total other comprehensive (loss)	(4,475)	(37)	(21,076)	(2,194)
Total comprehensive (loss) income	$ (393)	$ 2,836	$ (9,752)	$ 6,544

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement Of Income And Comprehensive Income [Abstract]
Unrealized (loss) gain on available for sale securities, deferred income tax	$ 1,189	$ 10	$ 5,603	$ 583

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2020	$ 105,074	$ 8,460	$ 10,811	$ 82,524	$ 3,279
Net income	2,862			2,862
Other comprehensive income (loss)	(2,193)				(2,193)
Vesting of restricted stock awards, stock incentive plan		26	(26)
Stock-based compensation expense	147		147
Issuance of common stock, dividend investment plan	181	16	165
Repurchase and retirement of common stock	(83)	(7)	(76)
Dividends declared	(924)			(924)
Balance at Mar. 31, 2021	105,064	8,495	11,021	84,462	1,086
Balance at Dec. 31, 2020	105,074	8,460	10,811	82,524	3,279
Net income	8,738
Other comprehensive income (loss)	(2,194)
Balance at Sep. 30, 2021	109,802	8,521	11,750	88,446	1,085
Balance at Mar. 31, 2021	105,064	8,495	11,021	84,462	1,086
Net income	3,003			3,003
Other comprehensive income (loss)	36				36
Stock-based compensation expense	159		159
Issuance of common stock, dividend investment plan	158	12	146
Issuance of common stock, employee benefit plan	133	10	123
Repurchase and retirement of common stock	(25)	(2)	(23)
Dividends declared	(926)			(926)
Balance at Jun. 30, 2021	107,602	8,515	11,426	86,539	1,122
Net income	2,873			2,873
Other comprehensive income (loss)	(37)				(37)
Vesting of restricted stock awards, stock incentive plan		5	(5)
Stock-based compensation expense	311		311
Issuance of common stock, dividend investment plan	59	4	55
Repurchase and retirement of common stock	(40)	(3)	(37)
Dividends declared	(966)			966
Balance at Sep. 30, 2021	109,802	8,521	11,750	88,446	1,085
Balance at Dec. 31, 2021	110,280	8,556	12,115	89,764	(155)
Net income	3,250			3,250
Other comprehensive income (loss)	(10,628)				(10,628)
Vesting of restricted stock awards, stock incentive plan		31	(31)
Stock-based compensation expense	195		195
Issuance of common stock, dividend investment plan	97	7	90
Repurchase and retirement of common stock	(117)	(8)	(109)
Dividends declared	(974)			(974)
Balance at Mar. 31, 2022	102,103	8,586	12,260	92,040	(10,783)
Balance at Dec. 31, 2021	110,280	8,556	12,115	89,764	(155)
Net income	11,324
Other comprehensive income (loss)	(21,076)
Balance at Sep. 30, 2022	98,500	8,600	13,003	98,128	(21,231)
Balance at Mar. 31, 2022	102,103	8,586	12,260	92,040	(10,783)
Net income	3,992			3,992
Other comprehensive income (loss)	(5,973)				(5,973)
Stock-based compensation expense	222		222
Issuance of common stock, employee benefit plan	120	8	112
Dividends declared	(974)			(974)
Balance at Jun. 30, 2022	99,490	8,594	12,594	95,058	(16,756)
Net income	4,082			4,082
Other comprehensive income (loss)	(4,475)				(4,475)
Stock-based compensation expense	329		329
Issuance of common stock, dividend investment plan	101	7	94
Issuance of common stock, employee benefit plan	22	2	20
Repurchase and retirement of common stock	(37)	(3)	(34)
Dividends declared	(1,012)			1,012
Balance at Sep. 30, 2022	$ 98,500	$ 8,600	$ 13,003	$ 98,128	$ (21,231)

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021
Statement Of Stockholders Equity [Abstract]
Issuance of restricted stock, stock incentive plan, shares			12,468	2,000		10,258
Issuance of common stock, dividend investment plan, shares	2,800		2,782	1,731	4,702	6,260
Issuance of common stock, employee benefit plan, shares	614	3,451			4,154
Repurchase and retirement of common stock, shares	1,031		3,411	1,175	760	2,814
Dividends declared, per share	$ 0.29	$ 0.28	$ 0.28	$ 0.28	$ 0.27	$ 0.27

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash Flows from Operating Activities
Net income	$ 11,324	$ 8,738
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	734	750
Amortization of other assets	525	405
Amortization of debt issuance costs	33
Origination of loans held for sale	(13,244)	(12,424)
Proceeds from sale of loans held for sale	14,515	11,673
Net (gains) on sales of loans	(1,544)	(845)
Provision for loan losses	900	1,183
Loss on other real estate owned		128
Loss on the sale and disposal of premises and equipment	3
Loss (gain) on the sale of securities	737	(24)
Stock-based compensation expense	746	617
Premium amortization on securities, net	460	988
(Increase) in cash surrender value	(495)	(368)
Changes in assets and liabilities:
(Increase) in other assets	(10,691)	(1,251)
Increase in other liabilities	623	227
Net cash provided by operating activities	4,626	9,797
Cash Flows from Investing Activities
Proceeds from maturities, calls, and principal payments of securities available for sale	24,135	41,711
Proceeds from the sale of securities available for sale	10,813	15,885
Purchases of securities available for sale	(26,813)	(97,821)
Proceeds from the sale of restricted investments		222
Purchases of restricted investments	(3,559)	(4)
Purchases of bank-owned life insurance		(10,000)
Purchases of bank premises and equipment	(493)	(597)
Proceeds from the sale of bank premises and equipment	33	0
Changes in collateral posted with other financial institutions, net	(700)
Proceeds from sales of loans	97,814	41,516
Origination of loans net of principal collected	(312,421)	(127,907)
Net cash (used in) investing activities	(211,191)	(136,443)
Cash Flows from Financing Activities
Net increase in noninterest bearing demand deposits, savings, and interest bearing demand deposits	69,614	121,581
Net increase (decrease) in time deposits	7,265	(4,014)
Net increase in Federal Home Loan Bank advances	75,000
Issuance of subordinated debt, net of issuance costs	29,327
Issuance of common stock, employee benefit plan	142	133
Repurchase and retirement of common stock	(154)	(148)
Cash dividends paid	(2,762)	(2,418)
Net cash provided by financing activities	178,432	115,134
(Decrease) in cash and cash equivalents	(28,133)	(11,512)
Cash and Cash Equivalents
Beginning	64,068	79,920
Ending	35,935	68,408
Supplemental Disclosures of Cash Flow Information
Interest	1,436	1,347
Income taxes	2,541	1,943
Supplemental Schedule of Noncash Investing and Financing Activities:
Unrealized (loss) on securities available for sale	(26,679)	(2,777)
Other real estate and repossessed assets acquired in settlement of loans		266
Issuance of common stock, dividend investment plan	198	398
Lease liabilities arising from right-of-use assets	0	79
Sales of securities available for sale settled subsequent to quarter end	$ 4,557

General

General	9 Months Ended
	Sep. 30, 2022
Organization Consolidation And Presentation Of Financial Statements [Abstract]
General	NOTE 1. General The accompanying unaudited financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 8-03 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP. In the opinion of management, the accompanying financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position at September 30, 2022 and December 31, 2021, the results of operations and the changes in shareholders' equity for the three and nine months ended September 30, 2022 and 2021, and cash flows for the nine months ended September 30, 2022 and 2021. The results of operations for the three and nine months ended September 30, 2022 are not necessarily indicative of the results to be expected for the full year. These financial statements should be read in conjunction with the Consolidated Financial Statements and related Notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021 (the “2021 Form 10-K”). Eagle Financial Services, Inc. (the "Company") owns 100 % of Bank of Clarke County (the “Bank”). The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. All significant intercompany accounts and transactions between the Company and the Bank have been eliminated. Certain amounts in the consolidated financial statements have been reclassified to conform to current year presentations. None of the reclassifications were of a material nature and they had no effect on prior year net income or shareholders' equity.

Stock-Based Compensation Plan

Stock-Based Compensation Plan	9 Months Ended
	Sep. 30, 2022
Share Based Compensation [Abstract]
Stock-Based Compensation Plan	NOTE 2. Stock-Based Compensation Plan During 2014, the Company’s shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan authorizes the issuance of up to 500,000 shares of common stock. The Company periodically grants restricted stock to its directors, executive officers and certain non-executive officers. Restricted stock provides grantees with rights to shares of common stock upon completion of a service period or achievement of Company performance measures. During the restriction period, all shares are considered outstanding and dividends are paid to the grantee. In general, outside directors are periodically granted restricted shares which vest over a period of less than 9 months. For the last several years, executive officers have been granted restricted shares which vest over a 3 year service period and restricted shares which vest based on meeting annual performance measures over a 1 year period. In recent years, certain non-executive officers also have been granted restricted shares which vest over a 3 year service period. The Company recognizes compensation expense over the restricted period based on the fair value of the Company's stock on the grant date. The Company's policy is to recognize forfeitures as they occur. As of September 30, 2022 , there was $ 645 thousand of unrecognized compensation cost related to nonvested restricted stock. The following table presents restricted stock activity for the nine months ended September 30, 2022 and 2021: Nine Months Ended September 30, 2022 2021 Shares Weighted Shares Weighted Nonvested, beginning of period 31,738 $ 30.70 20,928 $ 29.98 Granted 31,648 34.40 32,496 31.16 Vested ( 12,468 ) 30.00 ( 12,258 ) 30.95 Forfeited ( 810 ) 29.69 ( 425 ) 31.05 Nonvested, end of period 50,108 $ 33.72 40,741 $ 30.62

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Common Share	NOTE 3. Earnings Per Common Share Basic earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. Nonvested restricted shares are included in the weighted average number of common shares used to compute basic earnings per share because of dividend participation and voting rights. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. The number of potential common shares is determined using the treasury method. The following table shows the weighted average number of shares used in computing earnings per share for the three and nine months ended September 30, 2022 and 2021. During 2022 and 2021 , there were no potentially dilutive securities outstanding. Three Months Ended Nine Months Ended September 30, September 30, 2022 2021 2022 2021 Average number of common shares outstanding used to calculate basic and diluted earnings per share 3,487,555 3,448,352 3,479,876 3,436,271

Securities

Securities	9 Months Ended
	Sep. 30, 2022
Available For Sale Securities [Abstract]
Securities	NOTE 4. Securities Amortized costs and fair values of securities available for sale at September 30, 2022 and December 31, 2021 were as follows: Amortized Gross Gross Fair Value September 30, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 9,994 $ — $ ( 783 ) $ 9,211 Mortgage-backed securities 156,879 — ( 25,337 ) 131,542 Obligations of states and political subdivisions 7,027 — ( 408 ) 6,619 Subordinated debt 4,750 — ( 369 ) 4,381 $ 178,650 $ — $ ( 26,897 ) $ 151,753 December 31, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 14,541 $ 417 $ ( 37 ) $ 14,921 U.S. treasury notes 2,003 — — 2,003 Mortgage-backed securities 152,391 753 ( 2,132 ) 151,012 Obligations of states and political subdivisions 21,104 773 — 21,877 Subordinated debt 2,500 11 ( 3 ) 2,508 $ 192,539 $ 1,954 $ ( 2,172 ) $ 192,321 During the nine months ended September 30, 2022 , the Company sold $ 15.4 million of available for sale securities recognizing $ 6 thousand in gross gains and $ 743 thousand in gross losses. During the nine months ended September 30, 2021 , the Company sold $ 15.9 million of available for sale securities recognizing $ 143 thousand in gross gains and $ 119 thousand in gross losses. The fair value and gross unrealized losses for securities available for sale, totaled by the length of time that individual securities have been in a continuous gross unrealized loss position, at September 30, 2022 and December 31, 2021 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross September 30, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 9,210 $ 783 $ — $ — $ 9,210 $ 783 Mortgage-backed securities 33,673 4,519 97,869 20,818 131,542 25,337 Obligations of states and political subdivisions 6,580 408 — — 6,580 408 Subordinated debt 3,631 369 — — 3,631 369 $ 53,094 $ 6,079 $ 97,869 $ 20,818 $ 150,963 $ 26,897 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 2,616 $ 37 $ — $ — $ 2,616 $ 37 Mortgage-backed securities 101,080 1,214 29,555 918 130,635 2,132 Subordinated debt 247 3 — — 247 3 $ 103,943 $ 1,254 $ 29,555 $ 918 $ 133,498 $ 2,172 Gross unrealized losses on available for sale securities included one hundred five (105) and forty one (41) debt securities at September 30, 2022 and December 31, 2021, respectively. The Company evaluates securities for other-than-temporary impairment on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to the length of time and the amount of an unrealized loss, the financial condition of the issuer, and the intent and ability of the Company to retain its investment in the issuer long enough to allow for an anticipated recovery in fair value. The fair value of a security reflects its liquidity as compared to similar instruments, current market rates on similar instruments, and the creditworthiness of the issuer. Absent any change in the liquidity of a security or the creditworthiness of the issuer, prices will decline as market rates rise and vice-versa. The primary cause of the unrealized losses at September 30, 2022 and December 31, 2021 was changes in market interest rates and other market conditions and not credit concerns of the issuers. Since the losses can be primarily attributed to changes in market interest rates and conditions and not expected cash flows or an issuer’s financial condition and management does not intend to sell and it is more likely than not that management will not be required to sell the securities prior to their anticipated recovery, the unrealized losses were deemed to be temporary. The Company’s mortgage-backed securities are issued by U.S. government agencies, which guarantee payments to investors regardless of the status of the underlying mortgages. The Company monitors the financial condition of these issuers continuously and will record other-than-temporary impairment if the recovery of value is unlikely. The Company’s securities are exposed to various risks, such as interest rate, market, currency and credit risks. Due to the level of risk associated with certain securities and the level of uncertainty related to changes in the value of securities, it is at least reasonably possible that changes in risks in the near term would materially affect the securities balance reported in the financial statements. Securities having a carrying value of $ 8.5 million at September 30, 2022 were pledged as security for trust accounts. The composition of restricted investments at September 30, 2022 and December 31, 2021 was as follows: September 30, 2022 December 31, 2021 (in thousands) Federal Reserve Bank Stock $ 944 $ 344 Federal Home Loan Bank Stock 3,524 565 Community Bankers’ Bank Stock 140 140 $ 4,608 $ 1,049

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Loans and Allowance for Loan Losses	NOTE 5. Loans and Allowance for Loan Losses The composition of loans at September 30, 2022 and December 31, 2021 was as follows: September 30, December 31, 2022 2021 (in thousands) Mortgage loans on real estate: Construction and land development $ 69,255 $ 71,191 Secured by farmland 16,220 13,710 Secured by 1-4 family residential properties 280,880 263,723 Multifamily 38,877 29,093 Commercial 491,364 377,051 Commercial and industrial loans 179,848 143,378 Consumer installment loans 107,877 67,281 All other loans 11,167 16,798 Total loans $ 1,195,488 $ 982,225 Net deferred loan costs and premiums 6,353 3,495 Allowance for loan losses ( 10,742 ) ( 8,787 ) $ 1,191,099 $ 976,933 At September 30, 2022, the Company was servicing $ 178.0 million of marine loans for other financial institutions which are not included in the table above. Also excluded from the table above are net servicing assets of $ 466 thousand at September 30, 2022, which are recorded in other assets in the Consolidated Balance Sheets. When loans are sold with servicing retained, servicing assets are recorded which represent the Company's right to service loans that were sold. Servicing assets are initially recorded by the Company at fair value and are subsequently amortized in proportion to, and over the period of, estimated net servicing income. Changes in the allowance for loan losses for the nine months ended September 30, 2022 and 2021 and the year ended December 31, 2021 were as follows: Nine Months Ended Year Ended Nine Months Ended September 30, December 31, September 30, 2022 2021 2021 (in thousands) Balance, beginning $ 8,787 $ 7,096 $ 7,096 Provision for loan losses 900 1,483 1,183 Recoveries added to the allowance 1,224 318 238 Loan losses charged to the allowance ( 169 ) ( 110 ) ( 69 ) Balance, ending $ 10,742 $ 8,787 $ 8,448 Nonaccrual and past due loans by class at September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Nonaccrual Commercial - Non Real Estate: Commercial & Industrial $ 301 $ 32 $ 73 $ 406 $ 179,442 $ 179,848 $ — $ 73 Commercial Real Estate: Owner Occupied — — — — 219,493 219,493 — 22 Non-owner occupied — 271 — 271 271,600 271,871 — 1,353 Construction and Farmland: Residential — 208 — 208 9,818 10,026 — — Commercial — — 103 103 75,346 75,449 — 655 Consumer: Installment 262 — — 262 107,615 107,877 — 1 Residential: Equity Lines 137 — — 137 40,835 40,972 — 19 Single family — 172 156 328 239,580 239,908 — 304 Multifamily — — — — 38,877 38,877 — — All Other Loans — — — — 11,167 11,167 — — Total $ 700 $ 683 $ 332 $ 1,715 $ 1,193,773 $ 1,195,488 $ — $ 2,427 December 31, 2021 (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Nonaccrual Commercial - Non Real Estate: Commercial & Industrial $ 8 $ 7 $ — $ 15 $ 143,363 $ 143,378 $ — $ — Commercial Real Estate: Owner Occupied — — — — 188,839 188,839 — 124 Non-owner occupied 146 — 130 276 187,936 188,212 — 1,547 Construction and Farmland: Residential — — — — 10,077 10,077 — — Commercial — 126 108 234 74,590 74,824 — 234 Consumer: Installment 6 — — 6 67,275 67,281 — 3 Residential: Equity Lines 13 — — 13 35,849 35,862 — 29 Single family 409 238 434 1,081 226,780 227,861 43 786 Multifamily — — — — 29,093 29,093 — — All Other Loans — — — — 16,798 16,798 — — Total $ 582 $ 371 $ 672 $ 1,625 $ 980,600 $ 982,225 $ 43 $ 2,723 Allowance for loan losses by segment at September 30, 2022 and December 31, 2021 were as follows: As of and For the Nine Months Ended September 30, 2022 (in thousands) Construction Residential Commercial Commercial Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 2,794 $ 1,750 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,787 Charge-Offs — ( 2 ) — — ( 67 ) ( 100 ) — ( 169 ) Recoveries 5 883 197 107 21 11 — 1,224 Provision ( 84 ) ( 862 ) 352 702 397 185 210 900 Ending balance $ 2,715 $ 1,769 $ 2,199 $ 2,465 $ 997 $ 387 $ 210 $ 10,742 Ending balance: Individually evaluated for impairment $ — $ 32 $ — $ 374 $ — $ — $ — $ 406 Ending balance: collectively evaluated for impairment $ 2,715 $ 1,737 $ 2,199 $ 2,091 $ 997 $ 387 $ 210 $ 10,336 Loans: Ending balance $ 85,475 $ 319,757 $ 491,364 $ 179,848 $ 107,877 $ 11,167 $ — $ 1,195,488 Ending balance individually evaluated for impairment $ 1,042 $ 3,482 $ 1,989 $ 453 $ 24 $ — $ — $ 6,990 Ending balance collectively evaluated for impairment $ 84,433 $ 316,275 $ 489,375 $ 179,395 $ 107,853 $ 11,167 $ — $ 1,188,498 December 31, 2021 (in thousands) Construction Residential Commercial Commercial Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 1,604 $ 1,929 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,096 Charge-Offs — ( 13 ) — ( 10 ) ( 19 ) ( 68 ) — ( 110 ) Recoveries 12 240 7 18 29 12 — 318 Provision 1,178 ( 406 ) ( 2 ) 274 438 1 — 1,483 Ending balance $ 2,794 $ 1,750 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,787 Ending balance: Individually evaluated for impairment $ — $ 39 $ — $ — $ — $ — $ — $ 39 Ending balance: collectively evaluated for impairment $ 2,794 $ 1,711 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,748 Loans: Ending balance $ 84,901 $ 292,816 $ 377,051 $ 143,378 $ 67,281 $ 16,798 $ — $ 982,225 Ending balance individually evaluated for impairment $ 257 $ 2,778 $ 2,295 $ 108 $ 16 $ — $ — $ 5,454 Ending balance collectively evaluated for impairment $ 84,644 $ 290,038 $ 374,756 $ 143,270 $ 67,265 $ 16,798 $ — $ 976,771 Impaired loans by class as of and for the periods ended September 30, 2022 and December 31, 2021 were as follows: As of September 30, 2022 (in thousands) Unpaid Recorded Related Average Interest With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 91 $ 79 $ — $ 94 $ 4 Commercial Real Estate: Owner Occupied 208 204 — 209 9 Non-owner occupied 2,029 1,785 — 1,792 15 Construction and Farmland: Residential — — — — — Commercial 1,059 1,045 — 1,056 13 Consumer: Installment 25 24 — 26 1 Residential Equity lines 23 19 — 20 — Single family 2,895 2,798 — 2,836 76 Multifamily — — — — — Other Loans — — — — — $ 6,330 $ 5,954 $ — $ 6,033 $ 118 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ 379 $ 374 $ 374 $ 413 $ 17 Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 699 678 32 687 20 Multifamily — — — — — Other Loans — — — — — $ 1,078 $ 1,052 $ 406 $ 1,100 $ 37 Total: Commercial $ 470 $ 453 $ 374 $ 507 $ 21 Commercial Real Estate 2,237 1,989 — 2,001 24 Construction and Farmland 1,059 1,045 — 1,056 13 Consumer 25 24 — 26 1 Residential 3,617 3,495 32 3,543 96 Other — — — — — Total $ 7,408 $ 7,006 $ 406 $ 7,133 $ 155 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs. Accrued interest and net deferred loan fees or costs totaled $ 16 thousand at September 30, 2022. As of December 31, 2021 (in thousands) Unpaid Recorded Related Average Interest With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate: Owner Occupied 148 124 — 142 — Non-owner occupied 2,539 2,177 — 2,186 — Construction and Farmland: Residential — — — — — Commercial 271 257 — 267 9 Consumer: Installment 17 16 — 19 1 Residential: Equity lines 35 29 — 32 — Single family 2,088 1,974 — 2,012 62 Multifamily — — — — — Other Loans — — — — — $ 5,241 $ 4,686 $ — $ 4,824 $ 83 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential: Equity lines — — — — — Single family 811 787 39 802 30 Multifamily — — — — — Other Loans — — — — — $ 811 $ 787 $ 39 $ 802 $ 30 Total: Commercial $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate 2,687 2,301 — 2,328 — Construction and Farmland 271 257 — 267 9 Consumer 17 16 — 19 1 Residential 2,934 2,790 39 2,846 92 Other — — — — — Total $ 6,052 $ 5,473 $ 39 $ 5,626 $ 113 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs. Accrued interest and net deferred loan fees or costs totaled $ 19 thousand at December 31, 2021 . When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost-recovery method. For financial statement purposes, the recorded investment in nonaccrual loans is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash-basis method. The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Consumer loans are evaluated for collection based on payment performance. Descriptions of these ratings are as follows: Pass Pass loans exhibit acceptable history of profits, cash flow ability and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner. Special Mention Special mention loans exhibit negative trends and potential weakness that, if left uncorrected, may negatively affect the borrower’s ability to repay its obligations. The risk of default is not imminent and the borrower still demonstrates sufficient financial strength to service debt. Substandard Substandard loans exhibit well defined weaknesses resulting in a higher probability of default. The borrowers exhibit adverse financial trends and a diminishing ability or willingness to service debt. Doubtful Doubtful loans exhibit all of the characteristics inherent in substandard loans; however given the severity of weaknesses, the collection of 100% of the principal is unlikely under current conditions. Loss Loss loans are considered uncollectible over a reasonable period of time and of such little value that its continuance as a bankable asset is not warranted. Credit quality information by class at September 30, 2022 and December 31, 2021 was as follows: As of September 30, 2022 (in thousands) INTERNAL RISK RATING GRADES Pass Special Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 179,618 $ 157 $ 73 $ — $ — $ 179,848 Commercial Real Estate: Owner Occupied 200,192 19,279 22 — — 219,493 Non-owner occupied 261,315 8,556 2,000 — — 271,871 Construction and Farmland: Residential 9,818 208 — — — 10,026 Commercial 63,482 3,203 8,764 — — 75,449 Residential: Equity Lines 40,952 — 20 — — 40,972 Single family 235,445 3,041 1,306 116 — 239,908 Multifamily 38,877 — — — — 38,877 All other loans 11,167 — — — — 11,167 Total $ 1,040,866 $ 34,444 $ 12,185 $ 116 $ — $ 1,087,611 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 107,876 $ 1 As of December 31, 2021 (in thousands) INTERNAL RISK RATING GRADES Pass Special Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 143,197 $ 176 $ 5 $ — $ — $ 143,378 Commercial Real Estate: Owner Occupied 185,978 2,703 158 — — 188,839 Non-owner occupied 180,830 4,819 2,563 — — 188,212 Construction and Farm land: Residential 10,077 — — — — 10,077 Commercial 59,318 15,198 308 — — 74,824 Residential: Equity Lines 35,832 — 30 — — 35,862 Single family 224,510 1,601 1,633 117 — 227,861 Multifamily 26,952 2,141 — — — 29,093 All other loans 16,798 — — — — 16,798 Total $ 883,492 $ 26,638 $ 4,697 $ 117 $ — $ 914,944 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 67,275 $ 6

Troubled Debt Restructurings

Troubled Debt Restructurings	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Troubled Debt Restructurings	NOTE 6. Troubled Debt Restructurings All loans deemed a troubled debt restructuring (“TDR"), are considered impaired, and are evaluated for collateral and cash-flow sufficiency. A loan is considered a TDR when the Company, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. All of the following factors are indicators that the Company has granted a concession (one or multiple items may be present): • The borrower receives a reduction of the stated interest rate to a rate less than the institution is willing to accept at the time of the restructure for a new loan with comparable risk. • The borrower receives an extension of the maturity date or dates at a stated interest rate lower than the current market interest rate for new debt with similar risk characteristics. • The borrower receives a reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement. • The borrower receives a deferral of required payments (principal and/or interest) which causes more than an insignificant change in cash flow. • The borrower receives a reduction of the accrued interest. There were 26 TDR loans totaling $ 4.4 million at September 30, 2022. At December 31, 2021 , there were 17 TDR loans totaling $ 2.7 million. Two TDR loans, totaling $ 136 thousand, were in nonaccrual status at September 30, 2022 . Two TDR loans, totaling $ 149 thousand, were in nonaccrual status at December 31, 2021. There were no outstanding commitments to lend additional amounts to troubled debt restructured borrowers at September 30, 2022 or December 31, 2021. The following tables set forth information on the Company’s troubled debt restructurings by class of loans occurring during the three and nine months ended September 30, 2022 and 2021. During the nine months ended September 30, 2022, nine loans were modified in TDRs, with six loans being newly classified as TDRs during the three months ended September 30, 2022. During the three months ended September 30, 2021, three loans were modified in TDRs. Three Months Ended September 30, 2022 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer: Installment 1 $ 20 $ 21 Residential: Single family 4 894 894 Total 5 $ 914 $ 915 Three Months Ended September 30, 2021 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer: Installment Total — $ — — Nine Months Ended September 30, 2022 (in thousands) Number of Pre-Modification Outstanding Post-Modification Outstanding Commercial - Non Real Estate: Commercial & Industrial Commercial Real Estate: Owner Occupied 1 $ 185 $ 185 Non-Owner Occupied 1 $ 161 $ 161 Construction and Farmland: Commercial 1 639 639 Consumer: Installment 1 $ 20 $ 21 Residential: Equity Single family 7 1,433 1,451 Total 11 $ 2,438 $ 2,457 Nine Months Ended September 30, 2021 (in thousands) Number of Pre-Modification Outstanding Post-Modification Outstanding Consumer: Installment 2 $ 15 $ 15 Residential: Single family 1 98 98 Total 3 $ 113 $ 113 During the three and nine months ended September 30, 2022 , the Company restructured eleven loans by granting concessions to the borrowers experiencing financial difficulty. Eight loans were restructured renewing or extending the loan beyond the original maturity date. One loan was restructured by refinancing and providing cash out to the borrower. Two loans were restructured by refinancing the loans to extend the term. During the nine months ended September 30, 2021, the Company restructured three loans by granting a concession to There were no payment defaults during the three and nine months ended September 30, 2022 for TDRs that were restructured within the preceding twelve-month period. There were no payment defaults during the three and nine months ended September 30, 2021. Management defines default as over 30 days contractually past due under the modified terms, the foreclosure and/or repossession of the collateral, or the charge-off of the loan during the twelve-month period subsequent to the modification.

Deposits

Deposits	9 Months Ended
	Sep. 30, 2022
Deposits [Abstract]
Deposits	N OTE 7. Deposits The composition of deposits at September 30, 2022 and December 31, 2021 was as follows: September 30, 2022 December 31, 2021 (in thousands) Noninterest bearing demand deposits $ 491,184 $ 470,355 Savings and interest bearing demand deposits: NOW accounts $ 168,543 $ 162,690 Money market accounts 281,839 251,862 Regular savings accounts 181,699 168,744 $ 632,081 $ 583,296 Time deposits: Balances of less than $250,000 $ 71,059 $ 58,427 Balances of $250,000 and more 59,790 65,157 $ 130,849 $ 123,584 $ 1,254,114 $ 1,177,235

Leases

Leases	9 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Leases	NOTE 8. Leases Lease liabilities represent the Company’s obligation to make lease payments and are presented at each reporting date as the net present value of the remaining contractual cash flows. Cash flows are discounted at the Company’s incremental borrowing rate in effect at the commencement date of the lease. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. The Company’s four long-term lease agreements are classified as operating leases. These leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liability to the extent the options are reasonably certain of being exercised. The lease agreements do not provide for a residual value guarantee and have no restrictions or covenants that would impact dividends or require incurring additional financial obligations. The following tables present information about the Company’s leases: (dollars in thousands) September 30, 2022 December 31, 2021 Lease liabilities $ 5,057 $ 5,289 Right-of-use assets $ 4,860 $ 5,139 Weighted average remaining lease term 14 years 15 years Weighted average discount rate 3.02 % 2.99 % Three Months Ended Nine Months Ended Lease Cost September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 Operating lease cost $ 132 $ 106 $ 396 $ 257 Short-term lease cost 3 7 11 15 Total lease cost $ 135 $ 113 $ 407 $ 272 Cash paid for amounts included in the measurement of lease liabilities $ 116 $ 83 $ 348 $ 209 A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total operating lease liabilities is as follows: As of Lease payments due September 30, 2022 Twelve months ending September 30, 2023 $ 471 Twelve months ending September 30, 2024 478 Twelve months ending September 30, 2025 497 Twelve months ending September 30, 2026 428 Twelve months ending September 30, 2027 390 Thereafter 4,247 Total undiscounted cash flows $ 6,511 Discount ( 1,454 ) Lease liabilities $ 5,057

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value Measurements	NOTE 9. Fair Value Measurements GAAP requires the Company to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of assets and liabilities is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. “Fair Value Measurements” defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 Inputs to the valuation methodology are unobservable and significant to the fair value measurement. The following section provides a description of the valuation methodologies used for instruments measured at fair value on a recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy: Securities Available for Sale: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Derivative instruments are recorded at fair value on a recurring basis. The Company utilizes derivative instruments as part of the management of interest rate risk to modify the re-pricing characteristics of certain portions of the Company’s interest-bearing assets and liabilities. The Company has contracted with a third-party vendor to provide valuations for derivatives using standard valuation techniques and therefore classifies such valuations as Level 2. The Company has considered counterparty credit risk in the valuation of its derivative assets and has considered its own credit risk in the valuation of its derivative liabilities. The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at September 30, 2022 and December 31, 2021: Fair Value Measurements at September 30, 2022 Using Balance as of Quoted Prices Significant Significant September 30, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 9,211 $ — $ 9,211 $ — Mortgage-backed securities 131,542 — 131,542 — Obligations of states and political subdivisions 6,619 — 6,619 — Subordinated debt 4,381 — 4,381 — Derivative: Interest rate swaps 1,120 — 1,120 — Total assets at fair value $ 152,873 $ — $ 152,873 $ — Liabilities: Interest rate swaps $ 1,120 $ — $ 1,120 $ — Total liabilities at fair value $ 1,120 $ — $ 1,120 $ — Fair Value Measurements at December 31, 2021 Balance as of Quoted Prices Significant Significant December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 14,921 $ — $ 14,921 $ — U.S. treasury notes 2,003 — 2,003 — Mortgage-backed securities 151,012 — 151,012 — Obligations of states and political subdivisions 21,877 — 21,877 — Subordinated debt 2,508 — 2,508 — Derivative: Interest rate swap 58 — 58 — Total assets at fair value $ 192,379 $ — $ 192,379 $ — Liabilities: Interest rate swap $ 58 $ — $ 58 $ — Total liabilities at fair value $ 58 $ — $ 58 $ — Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower of cost or market accounting or write downs of individual assets. The following describes the valuation techniques used by the Company to measure certain financial and nonfinancial assets recorded at fair value on a nonrecurring basis in the financial statements: Loans Held for Sale: Loans held for sale are carried at the lower of cost or market value. These loans currently consist of one-to-four family residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). The Company records any fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during three and nine months ended September 30, 2022 and the year ended December 31, 2021. Impaired Loans: Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected when due. The measurement of loss associated with impaired loans can be based on the present value of its expected future cash flows discounted at the loan's coupon rate, or at the loans' observable market price or the fair value of the collateral securing the loans, if they are collateral dependent. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing a market valuation approach based on an appraisal conducted by an independent, licensed appraiser using observable market data within the last twelve months (Level 2). However, if the collateral is a house or building in the process of construction or if an appraisal of the property is more than one year old and not solely based on observable market comparables or management determines the fair value of the collateral is further impaired below the appraised value, then a Level 3 valuation is considered to measure the fair value. The value of business equipment is based upon an outside appraisal, of one year or less, if deemed significant, or the net book value on the applicable business’s financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). Impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. Other Real Estate Owned: Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the fair value of the property, less estimated selling costs, establishing a new costs basis. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically obtained by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to fair value less cost to sell. The fair value measurement of real estate held in other real estate owned is assessed in the same manner as impaired loans described above. We believe that the fair value follows the provisions of GAAP. The Company held no other real estate owned at September 30, 2022 and December 31, 2021. The following table displays quantitative information about Level 3 Fair Value Measurements for certain financial assets measured at fair value on a nonrecurring basis at September 30, 2022 and December 31, 2021: Quantitative information about Level 3 Fair Value Measurements September 30, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Present value of cash flows Discount rate 4 % - 6 % 5 % Quantitative information about Level 3 Fair Value Measurements December 31, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Discounted appraised value Selling cost 12 % 12 % Impaired loans Present value of cash flows Discount rate 4 % - 6 % 5 % (1) Unobservable inputs were weighted by the relative fair values of the instruments. The following table summarizes the Company’s financial and nonfinancial assets that were measured at fair value on a nonrecurring basis at September 30, 2022 and December 31, 2021: Carrying value at September 30, 2022 Balance as of Identical Observable Unobservable September 30, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 643 $ — $ — $ 643 Carrying value at December 31, 2021 Balance as of Quoted Prices Significant Significant December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 746 $ — $ — $ 746 The carrying value and fair value of the Company’s financial instruments at September 30, 2022 and December 31, 2021 were as follows: Fair Value Measurements at September 30, 2022 Using Carrying Quoted Prices Significant Significant Fair Value September 30, 2022 (Level 1) (Level 2) (Level 3) September 30, 2022 (in thousands) Financial assets: Cash and short-term investments $ 35,935 $ 35,935 $ — $ — $ 35,935 Securities 151,753 — 151,753 — 151,753 Restricted Investments 4,608 — 4,608 — 4,608 Loans held for sale 90 90 — 90 Loans, net 1,191,099 — — 1,182,235 1,182,235 Bank owned life insurance 23,731 — 23,731 — 23,731 Accrued interest receivable 3,079 — 3,079 — 3,079 Interest rate swaps 1,120 — 1,120 — 1,120 Financial liabilities: Deposits $ 1,254,114 $ — $ 1,254,480 $ — $ 1,254,480 Federal Home Loan Bank advances 75,000 — 74,978 — 74,978 Subordinated debt, net of unamortized issuance costs 29,360 — 29,352 — 29,352 Accrued interest payable 1,196 — 1,196 — 1,196 Interest rate swaps 1,120 — 1,120 — 1,120 Fair Value Measurements at December 31, 2021 Using Carrying Value Quoted Prices Significant Significant Fair Value December 31, 2021 (Level 1) (Level 2) (Level 3) December 31, 2021 (in thousands) Financial assets: Cash and short-term investments $ 64,068 $ 64,068 $ — $ — $ 64,068 Securities 192,321 — 192,321 — 192,321 Restricted Investments 1,049 — 1,049 — 1,049 Loans held for sale 876 876 — 876 Loans, net 976,933 — — 969,612 969,612 Bank owned life insurance 23,236 — 23,236 — 23,236 Accrued interest receivable 2,634 — 2,634 — 2,634 Interest rate swap 58 — 58 — 58 Financial liabilities: Deposits $ 1,177,235 $ — $ 1,177,582 $ — $ 1,177,582 Accrued interest payable 67 — 67 — 67 Interest rate swap 58 — 58 — 58

Change in Accumulated Other Com

Change in Accumulated Other Comprehensive Income	9 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Income Loss Net Of Tax [Abstract]
Change in Accumulated Other Comprehensive Income	NOTE 10. Change in Accumulated Other Comprehensive Income (Loss) Accumulated other comprehensive income (loss) includes unrealized gains and losses on available for sale securities and changes in benefit obligations and plan assets for the post retirement benefit plan. Changes to accumulated other comprehensive income (loss) are presented net of their tax effect as a component of equity. Reclassifications out of accumulated other comprehensive income (loss) are recorded in the Consolidated Statements of Income either as a gain or loss. Changes to accumulated other comprehensive income (loss) by component are shown in the following table for the periods indicated: Three Months Ended September 30, 2022 2021 Unrealized Change in Total Unrealized Change in Total (dollars in thousands) (dollars in thousands) July 1 $ ( 16,775 ) $ 19 $ ( 16,756 ) $ 1,103 $ 19 $ 1,122 Other comprehensive (loss) before reclassifications ( 6,401 ) — ( 6,401 ) ( 47 ) — ( 47 ) Reclassifications 737 — 737 — — — Tax effect of current period changes 1,189 — 1,189 10 — 10 Current period changes net of taxes ( 4,475 ) — ( 4,475 ) ( 37 ) — ( 37 ) September 30 $ ( 21,250 ) $ 19 $ ( 21,231 ) $ 1,066 $ 19 $ 1,085 Nine Months Ended September 30, 2022 2021 Unrealized Change in Total Unrealized Change in Total (dollars in thousands) (dollars in thousands) January 1 $ ( 174 ) $ 19 $ ( 155 ) $ 3,260 $ 19 $ 3,279 Other comprehensive (loss) before reclassifications ( 27,416 ) — ( 27,416 ) ( 2,753 ) — ( 2,753 ) Reclassifications 737 — 737 ( 24 ) — ( 24 ) Tax effect of current period changes 5,603 — 5,603 583 — 583 Current period changes net of taxes ( 21,076 ) — ( 21,076 ) ( 2,194 ) — ( 2,194 ) September 30 $ ( 21,250 ) $ 19 $ ( 21,231 ) $ 1,066 $ 19 $ 1,085 For the three and nine months ended September 30, 2022 , $( 737 ) thousand was reclassified out of accumulated other comprehensive income (loss) and appeared as loss on sale of securities in the Consolidated Statements of Income. For the three and nine months ended September 30, 2021, zero and $ 24 thousand, respectively, were reclassified out of accumulated other comprehensive income (loss) and appeared as gain on sale of securities in the Consolidated Statements of Income. For the three and nine months ended September 30, 2022 , the tax related to these reclassifications was $ 155 thousand, which is included in income tax expense in the Consolidated Statements of Income. For the three and nine months ended September 30, 2021, the tax related to these reclassifications was zero and $ 5 thousand, respectively, which is included in income tax expense in the Consolidated Statements of Income.

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2022
Real Estate [Abstract]
Real Estate Owned	NOTE 11. Other Real Estate Owned The following table is a summary of other real estate owned (“OREO”) activity for the nine months ended September 30, 2022 and 2021 and the year ended December 31, 2021: Nine Months Ended Year Ended Nine Months Ended September 30, December 31, September 30, 2022 2021 2021 (in thousands) Balance, beginning $ — $ 607 $ 607 Transfer from loans — 266 266 Gain on foreclosures — — — Sales — ( 781 ) ( 588 ) Valuation adjustments — ( 92 ) ( 92 ) Balance, ending $ — $ — $ 193 There was one consumer mortgage loan totaling $ 116 thousand collateralized by residential real estate in the process of foreclosure at September 30, 2022 and no consumer mortgage loans collateralized by residential real estate in the process of foreclosure at December 31, 2021 .

Qualified Affordable Housing Pr

Qualified Affordable Housing Project Investments (Notes)	9 Months Ended
	Sep. 30, 2022
Federal Home Loan Banks [Abstract]
Qualified Affordable Housing Project Investments	NOTE 12. Qualified Affordable Housing Project Investments The Company invests in qualified affordable housing projects. The general purpose of these investments is to encourage and assist participants in investing in low-income residential rental properties located in the Commonwealth of Virginia, develop and implement strategies to maintain projects as low-income housing, provide tax credits and other tax benefits to investors, and to preserve and protect project assets. At September 30, 2022 and December 31, 2021 , the balance of the investment for qualified affordable housing projects was $ 2.4 million and $ 2.6 million, respectively. These balances are reflected in Other assets on the Consolidated Balance Sheets. Total unfunded commitments related to the investments in qualified affordable housing projects totaled $ 11 thousand at both September 30, 2022 and December 31, 2021. These balances are reflected in Other liabilities on the Consolidated Balance Sheets. The Company expects to fulfill these commitments by December 31, 2023, in accordance with the terms of the individual agreements. During each of the three months ended September 30, 2022 and September 30, 2021 , the Company recognized amortization expense of $ 82 thousand and $ 57 thousand, respectively. The Company recognized amortization expense for the nine months ended September 30, 2022 and 2021 of $ 196 thousand and $ 172 thousand, respectively. The amortization expense was included in Other operating expenses on the Consolidated Statements of Income. Total estimated credits to be received during 2022 are $ 353 thousand based on the most recent quarterly estimates received from the funds. Total tax credits and other tax benefits recognized during the nine months ended September 30, 2022 and 2021 , were $ 269 thousand and $ 272 thousand, respectively.

Recent Accounting Pronouncement

Recent Accounting Pronouncements and Other Authoritative Guidance	9 Months Ended
	Sep. 30, 2022
New Accounting Pronouncements And Changes In Accounting Principles [Abstract]
Recent Accounting Pronouncements and Other Authoritative Guidance	NOTE 13. Recent Accounting Pronouncements and Other Authoritative Guidance In June 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update (“ASU”) No. 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. Smaller reporting companies who file with the U.S. Securities and Exchange Commission (“SEC”), such as the Company, and all other entities who do not file with the SEC are required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements. The Company formed a CECL committee during 2016 which continues to meet to address the compliance requirements. Historic loan data has been gathered and reviewed for completeness and accuracy. In addition, the committee is actively engaged in formalizing the Company’s calculation process including its approach for the development of loss rates and related qualitative adjustments with the assistance of a third-party vendor. Since June 30, 2022, the committee has been running parallel allowance models under the current and new standard. Effective November 25, 2019, the SEC adopted Staff Accounting Bulletin (SAB) 119. SAB 119 updated portions of SEC interpretative guidance to align with FASB ASC 326, “Financial Instruments – Credit Losses.” It covers topics including (1) measuring current expected credit losses; (2) development, governance, and documentation of a systematic methodology; (3) documenting the results of a systematic methodology; and (4) validating a systematic methodology. In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU 2016-13) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have not yet adopted ASU 2016-13, the effective date for ASU 2022-02 is the same as the effective date in ASU 2016-13. An entity may elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures, provided they have adopted ASU 2016-13. The Company is currently assessing the impact that ASU 2022-02 will have on its consolidated financial statements.

Subordinated Debt

Subordinated Debt	9 Months Ended
	Sep. 30, 2022
Loans And Leases Receivable Disclosure [Abstract]
Subordinated Debt	NOTE 14. Borrowings On March 31, 2022, the Company entered into Subordinated Note Purchase Agreements with certain purchasers pursuant to which the Company issued and sold $ 30.0 million in aggregate principal amount of its 4.50 % Fixed-to-Floating Rate Subordinated Notes due April 1, 2032 (the “Notes”). The Company plans to use the net proceeds of the Notes offering for general corporate purposes, organic growth and to support the Bank’s regulatory capital ratios. The Notes were structured to qualify as Tier 2 capital for regulatory capital purposes at the holding company and bear an initial interest rate of 4.50 % until April 1, 2027 , with interest during this period payable semi-annually in arrears. From and including April 1, 2027, to but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an annual floating rate equal to three-month SOFR, plus 2.35 %, with interest during this period payable quarterly in arrears. The Notes are redeemable by the Company at its option, in whole or in part, on or after April 1, 2027 . Initial debt issuance costs were $ 673 thousand. The debt balance of $ 30.0 million is presented net of unamortized issuance costs of $ 640 thousand at September 30, 2022. During the third quarter of 2022, the Company entered into a fixed rate credit Federal Home Loan Bank advance in the amount of $ 75.0 million. This advance was has an interest rate of 2.18 % with a maturity date of October 6, 2022 . On October 6, 2022 the original advance matured and was paid off with a new advance for $ 75.0 million with an interest rate of 3.79 % and a maturity date of January 6, 2023 .

Derivatives

Derivatives	9 Months Ended
	Sep. 30, 2022
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivatives	NOTE 15. Derivatives The Company uses derivative financial instruments primarily to manage risks to the Company associated with changing interest rates, and to assist customers with their risk management objectives. Derivative contracts that are not designated in a qualifying hedging relationships include customer accommodation loan swaps. The Company enters into interest rate swaps with certain qualifying commercial loan customers to meet their interest rate risk management needs. The Bank simultaneously enters into interest rate swaps with dealer counterparties, with identical notional amounts and offsetting terms. The net result of these interest rate swaps is that the customer pays a fixed rate of interest and the Company receives a floating rate. These back-to-back loan swaps are derivative financial instruments and are reported at fair value in “other assets” and “other liabilities” in the Consolidated Balance Sheets. Changes in the fair value of loan swaps are recorded in other noninterest income and sum to zero because of the offsetting terms of the swaps with borrowers and the swaps with dealer counterparties. The following table summarize key elements of the Company's derivative instruments at September 30, 2022 and December 31, 2021. September 30, 2022 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 23,285 $ 1,120 $ — Matched interest rate swaps with counterparty 23,285 — 1,120 December 31, 2021 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 2,391 $ 58 $ — Matched interest rate swaps with counterparty 2,391 — 58

Stock-Based Compensation Plan (

Stock-Based Compensation Plan (Tables)	9 Months Ended
	Sep. 30, 2022
Share Based Compensation [Abstract]
Restricted Stock Activity	The following table presents restricted stock activity for the nine months ended September 30, 2022 and 2021: Nine Months Ended September 30, 2022 2021 Shares Weighted Shares Weighted Nonvested, beginning of period 31,738 $ 30.70 20,928 $ 29.98 Granted 31,648 34.40 32,496 31.16 Vested ( 12,468 ) 30.00 ( 12,258 ) 30.95 Forfeited ( 810 ) 29.69 ( 425 ) 31.05 Nonvested, end of period 50,108 $ 33.72 40,741 $ 30.62

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Weighted Average Number Of Shares Used In Computing Earnings Per Share	The following table shows the weighted average number of shares used in computing earnings per share for the three and nine months ended September 30, 2022 and 2021. During 2022 and 2021 , there were no potentially dilutive securities outstanding. Three Months Ended Nine Months Ended September 30, September 30, 2022 2021 2022 2021 Average number of common shares outstanding used to calculate basic and diluted earnings per share 3,487,555 3,448,352 3,479,876 3,436,271

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2022
Available For Sale Securities [Abstract]
Amortized Costs And Fair Values Of Securities Available For Sale	Amortized costs and fair values of securities available for sale at September 30, 2022 and December 31, 2021 were as follows: Amortized Gross Gross Fair Value September 30, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 9,994 $ — $ ( 783 ) $ 9,211 Mortgage-backed securities 156,879 — ( 25,337 ) 131,542 Obligations of states and political subdivisions 7,027 — ( 408 ) 6,619 Subordinated debt 4,750 — ( 369 ) 4,381 $ 178,650 $ — $ ( 26,897 ) $ 151,753 December 31, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 14,541 $ 417 $ ( 37 ) $ 14,921 U.S. treasury notes 2,003 — — 2,003 Mortgage-backed securities 152,391 753 ( 2,132 ) 151,012 Obligations of states and political subdivisions 21,104 773 — 21,877 Subordinated debt 2,500 11 ( 3 ) 2,508 $ 192,539 $ 1,954 $ ( 2,172 ) $ 192,321
Fair Value And Gross Unrealized Losses For Securities Available For Sale	The fair value and gross unrealized losses for securities available for sale, totaled by the length of time that individual securities have been in a continuous gross unrealized loss position, at September 30, 2022 and December 31, 2021 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross September 30, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 9,210 $ 783 $ — $ — $ 9,210 $ 783 Mortgage-backed securities 33,673 4,519 97,869 20,818 131,542 25,337 Obligations of states and political subdivisions 6,580 408 — — 6,580 408 Subordinated debt 3,631 369 — — 3,631 369 $ 53,094 $ 6,079 $ 97,869 $ 20,818 $ 150,963 $ 26,897 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 2,616 $ 37 $ — $ — $ 2,616 $ 37 Mortgage-backed securities 101,080 1,214 29,555 918 130,635 2,132 Subordinated debt 247 3 — — 247 3 $ 103,943 $ 1,254 $ 29,555 $ 918 $ 133,498 $ 2,172
Schedule Composition Of Restricted Investments	The composition of restricted investments at September 30, 2022 and December 31, 2021 was as follows: September 30, 2022 December 31, 2021 (in thousands) Federal Reserve Bank Stock $ 944 $ 344 Federal Home Loan Bank Stock 3,524 565 Community Bankers’ Bank Stock 140 140 $ 4,608 $ 1,049

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Schedule Of Composition Of Loans	The composition of loans at September 30, 2022 and December 31, 2021 was as follows: September 30, December 31, 2022 2021 (in thousands) Mortgage loans on real estate: Construction and land development $ 69,255 $ 71,191 Secured by farmland 16,220 13,710 Secured by 1-4 family residential properties 280,880 263,723 Multifamily 38,877 29,093 Commercial 491,364 377,051 Commercial and industrial loans 179,848 143,378 Consumer installment loans 107,877 67,281 All other loans 11,167 16,798 Total loans $ 1,195,488 $ 982,225 Net deferred loan costs and premiums 6,353 3,495 Allowance for loan losses ( 10,742 ) ( 8,787 ) $ 1,191,099 $ 976,933
Changes In Allowance For Loan Losses	Changes in the allowance for loan losses for the nine months ended September 30, 2022 and 2021 and the year ended December 31, 2021 were as follows: Nine Months Ended Year Ended Nine Months Ended September 30, December 31, September 30, 2022 2021 2021 (in thousands) Balance, beginning $ 8,787 $ 7,096 $ 7,096 Provision for loan losses 900 1,483 1,183 Recoveries added to the allowance 1,224 318 238 Loan losses charged to the allowance ( 169 ) ( 110 ) ( 69 ) Balance, ending $ 10,742 $ 8,787 $ 8,448
Nonaccrual And Past Due Loans By Class	Nonaccrual and past due loans by class at September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Nonaccrual Commercial - Non Real Estate: Commercial & Industrial $ 301 $ 32 $ 73 $ 406 $ 179,442 $ 179,848 $ — $ 73 Commercial Real Estate: Owner Occupied — — — — 219,493 219,493 — 22 Non-owner occupied — 271 — 271 271,600 271,871 — 1,353 Construction and Farmland: Residential — 208 — 208 9,818 10,026 — — Commercial — — 103 103 75,346 75,449 — 655 Consumer: Installment 262 — — 262 107,615 107,877 — 1 Residential: Equity Lines 137 — — 137 40,835 40,972 — 19 Single family — 172 156 328 239,580 239,908 — 304 Multifamily — — — — 38,877 38,877 — — All Other Loans — — — — 11,167 11,167 — — Total $ 700 $ 683 $ 332 $ 1,715 $ 1,193,773 $ 1,195,488 $ — $ 2,427 December 31, 2021 (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Nonaccrual Commercial - Non Real Estate: Commercial & Industrial $ 8 $ 7 $ — $ 15 $ 143,363 $ 143,378 $ — $ — Commercial Real Estate: Owner Occupied — — — — 188,839 188,839 — 124 Non-owner occupied 146 — 130 276 187,936 188,212 — 1,547 Construction and Farmland: Residential — — — — 10,077 10,077 — — Commercial — 126 108 234 74,590 74,824 — 234 Consumer: Installment 6 — — 6 67,275 67,281 — 3 Residential: Equity Lines 13 — — 13 35,849 35,862 — 29 Single family 409 238 434 1,081 226,780 227,861 43 786 Multifamily — — — — 29,093 29,093 — — All Other Loans — — — — 16,798 16,798 — — Total $ 582 $ 371 $ 672 $ 1,625 $ 980,600 $ 982,225 $ 43 $ 2,723
Allowance For Loan Losses By Segment	Allowance for loan losses by segment at September 30, 2022 and December 31, 2021 were as follows: As of and For the Nine Months Ended September 30, 2022 (in thousands) Construction Residential Commercial Commercial Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 2,794 $ 1,750 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,787 Charge-Offs — ( 2 ) — — ( 67 ) ( 100 ) — ( 169 ) Recoveries 5 883 197 107 21 11 — 1,224 Provision ( 84 ) ( 862 ) 352 702 397 185 210 900 Ending balance $ 2,715 $ 1,769 $ 2,199 $ 2,465 $ 997 $ 387 $ 210 $ 10,742 Ending balance: Individually evaluated for impairment $ — $ 32 $ — $ 374 $ — $ — $ — $ 406 Ending balance: collectively evaluated for impairment $ 2,715 $ 1,737 $ 2,199 $ 2,091 $ 997 $ 387 $ 210 $ 10,336 Loans: Ending balance $ 85,475 $ 319,757 $ 491,364 $ 179,848 $ 107,877 $ 11,167 $ — $ 1,195,488 Ending balance individually evaluated for impairment $ 1,042 $ 3,482 $ 1,989 $ 453 $ 24 $ — $ — $ 6,990 Ending balance collectively evaluated for impairment $ 84,433 $ 316,275 $ 489,375 $ 179,395 $ 107,853 $ 11,167 $ — $ 1,188,498 December 31, 2021 (in thousands) Construction Residential Commercial Commercial Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 1,604 $ 1,929 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,096 Charge-Offs — ( 13 ) — ( 10 ) ( 19 ) ( 68 ) — ( 110 ) Recoveries 12 240 7 18 29 12 — 318 Provision 1,178 ( 406 ) ( 2 ) 274 438 1 — 1,483 Ending balance $ 2,794 $ 1,750 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,787 Ending balance: Individually evaluated for impairment $ — $ 39 $ — $ — $ — $ — $ — $ 39 Ending balance: collectively evaluated for impairment $ 2,794 $ 1,711 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,748 Loans: Ending balance $ 84,901 $ 292,816 $ 377,051 $ 143,378 $ 67,281 $ 16,798 $ — $ 982,225 Ending balance individually evaluated for impairment $ 257 $ 2,778 $ 2,295 $ 108 $ 16 $ — $ — $ 5,454 Ending balance collectively evaluated for impairment $ 84,644 $ 290,038 $ 374,756 $ 143,270 $ 67,265 $ 16,798 $ — $ 976,771
Impaired Loans By Class	Impaired loans by class as of and for the periods ended September 30, 2022 and December 31, 2021 were as follows: As of September 30, 2022 (in thousands) Unpaid Recorded Related Average Interest With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 91 $ 79 $ — $ 94 $ 4 Commercial Real Estate: Owner Occupied 208 204 — 209 9 Non-owner occupied 2,029 1,785 — 1,792 15 Construction and Farmland: Residential — — — — — Commercial 1,059 1,045 — 1,056 13 Consumer: Installment 25 24 — 26 1 Residential Equity lines 23 19 — 20 — Single family 2,895 2,798 — 2,836 76 Multifamily — — — — — Other Loans — — — — — $ 6,330 $ 5,954 $ — $ 6,033 $ 118 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ 379 $ 374 $ 374 $ 413 $ 17 Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 699 678 32 687 20 Multifamily — — — — — Other Loans — — — — — $ 1,078 $ 1,052 $ 406 $ 1,100 $ 37 Total: Commercial $ 470 $ 453 $ 374 $ 507 $ 21 Commercial Real Estate 2,237 1,989 — 2,001 24 Construction and Farmland 1,059 1,045 — 1,056 13 Consumer 25 24 — 26 1 Residential 3,617 3,495 32 3,543 96 Other — — — — — Total $ 7,408 $ 7,006 $ 406 $ 7,133 $ 155 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs. Accrued interest and net deferred loan fees or costs totaled $ 16 thousand at September 30, 2022. As of December 31, 2021 (in thousands) Unpaid Recorded Related Average Interest With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate: Owner Occupied 148 124 — 142 — Non-owner occupied 2,539 2,177 — 2,186 — Construction and Farmland: Residential — — — — — Commercial 271 257 — 267 9 Consumer: Installment 17 16 — 19 1 Residential: Equity lines 35 29 — 32 — Single family 2,088 1,974 — 2,012 62 Multifamily — — — — — Other Loans — — — — — $ 5,241 $ 4,686 $ — $ 4,824 $ 83 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential: Equity lines — — — — — Single family 811 787 39 802 30 Multifamily — — — — — Other Loans — — — — — $ 811 $ 787 $ 39 $ 802 $ 30 Total: Commercial $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate 2,687 2,301 — 2,328 — Construction and Farmland 271 257 — 267 9 Consumer 17 16 — 19 1 Residential 2,934 2,790 39 2,846 92 Other — — — — — Total $ 6,052 $ 5,473 $ 39 $ 5,626 $ 113 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs. Accrued interest and net deferred loan fees or costs totaled $ 19 thousand at December 31, 2021 .
Credit Quality Information By Class	Credit quality information by class at September 30, 2022 and December 31, 2021 was as follows: As of September 30, 2022 (in thousands) INTERNAL RISK RATING GRADES Pass Special Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 179,618 $ 157 $ 73 $ — $ — $ 179,848 Commercial Real Estate: Owner Occupied 200,192 19,279 22 — — 219,493 Non-owner occupied 261,315 8,556 2,000 — — 271,871 Construction and Farmland: Residential 9,818 208 — — — 10,026 Commercial 63,482 3,203 8,764 — — 75,449 Residential: Equity Lines 40,952 — 20 — — 40,972 Single family 235,445 3,041 1,306 116 — 239,908 Multifamily 38,877 — — — — 38,877 All other loans 11,167 — — — — 11,167 Total $ 1,040,866 $ 34,444 $ 12,185 $ 116 $ — $ 1,087,611 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 107,876 $ 1 As of December 31, 2021 (in thousands) INTERNAL RISK RATING GRADES Pass Special Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 143,197 $ 176 $ 5 $ — $ — $ 143,378 Commercial Real Estate: Owner Occupied 185,978 2,703 158 — — 188,839 Non-owner occupied 180,830 4,819 2,563 — — 188,212 Construction and Farm land: Residential 10,077 — — — — 10,077 Commercial 59,318 15,198 308 — — 74,824 Residential: Equity Lines 35,832 — 30 — — 35,862 Single family 224,510 1,601 1,633 117 — 227,861 Multifamily 26,952 2,141 — — — 29,093 All other loans 16,798 — — — — 16,798 Total $ 883,492 $ 26,638 $ 4,697 $ 117 $ — $ 914,944 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 67,275 $ 6

Troubled Debt Restructurings (T

Troubled Debt Restructurings (Tables)	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Schedule Of Troubled Debt Restructurings On Financing Receivables	The following tables set forth information on the Company’s troubled debt restructurings by class of loans occurring during the three and nine months ended September 30, 2022 and 2021. During the nine months ended September 30, 2022, nine loans were modified in TDRs, with six loans being newly classified as TDRs during the three months ended September 30, 2022. During the three months ended September 30, 2021, three loans were modified in TDRs. Three Months Ended September 30, 2022 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer: Installment 1 $ 20 $ 21 Residential: Single family 4 894 894 Total 5 $ 914 $ 915 Three Months Ended September 30, 2021 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer: Installment Total — $ — — Nine Months Ended September 30, 2022 (in thousands) Number of Pre-Modification Outstanding Post-Modification Outstanding Commercial - Non Real Estate: Commercial & Industrial Commercial Real Estate: Owner Occupied 1 $ 185 $ 185 Non-Owner Occupied 1 $ 161 $ 161 Construction and Farmland: Commercial 1 639 639 Consumer: Installment 1 $ 20 $ 21 Residential: Equity Single family 7 1,433 1,451 Total 11 $ 2,438 $ 2,457 Nine Months Ended September 30, 2021 (in thousands) Number of Pre-Modification Outstanding Post-Modification Outstanding Consumer: Installment 2 $ 15 $ 15 Residential: Single family 1 98 98 Total 3 $ 113 $ 113

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Sep. 30, 2022
Deposits [Abstract]
Composition Of Deposits	The composition of deposits at September 30, 2022 and December 31, 2021 was as follows: September 30, 2022 December 31, 2021 (in thousands) Noninterest bearing demand deposits $ 491,184 $ 470,355 Savings and interest bearing demand deposits: NOW accounts $ 168,543 $ 162,690 Money market accounts 281,839 251,862 Regular savings accounts 181,699 168,744 $ 632,081 $ 583,296 Time deposits: Balances of less than $250,000 $ 71,059 $ 58,427 Balances of $250,000 and more 59,790 65,157 $ 130,849 $ 123,584 $ 1,254,114 $ 1,177,235

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Assets And Liabilities, Lessee	The following tables present information about the Company’s leases: (dollars in thousands) September 30, 2022 December 31, 2021 Lease liabilities $ 5,057 $ 5,289 Right-of-use assets $ 4,860 $ 5,139 Weighted average remaining lease term 14 years 15 years Weighted average discount rate 3.02 % 2.99 % Three Months Ended Nine Months Ended Lease Cost September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 Operating lease cost $ 132 $ 106 $ 396 $ 257 Short-term lease cost 3 7 11 15 Total lease cost $ 135 $ 113 $ 407 $ 272 Cash paid for amounts included in the measurement of lease liabilities $ 116 $ 83 $ 348 $ 209
Lessee, Operating Lease, Liability, Maturity	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total operating lease liabilities is as follows: As of Lease payments due September 30, 2022 Twelve months ending September 30, 2023 $ 471 Twelve months ending September 30, 2024 478 Twelve months ending September 30, 2025 497 Twelve months ending September 30, 2026 428 Twelve months ending September 30, 2027 390 Thereafter 4,247 Total undiscounted cash flows $ 6,511 Discount ( 1,454 ) Lease liabilities $ 5,057

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Financial Assets And Liabilities Measured At Fair Value On A Recurring Basis	The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at September 30, 2022 and December 31, 2021: Fair Value Measurements at September 30, 2022 Using Balance as of Quoted Prices Significant Significant September 30, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 9,211 $ — $ 9,211 $ — Mortgage-backed securities 131,542 — 131,542 — Obligations of states and political subdivisions 6,619 — 6,619 — Subordinated debt 4,381 — 4,381 — Derivative: Interest rate swaps 1,120 — 1,120 — Total assets at fair value $ 152,873 $ — $ 152,873 $ — Liabilities: Interest rate swaps $ 1,120 $ — $ 1,120 $ — Total liabilities at fair value $ 1,120 $ — $ 1,120 $ — Fair Value Measurements at December 31, 2021 Balance as of Quoted Prices Significant Significant December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 14,921 $ — $ 14,921 $ — U.S. treasury notes 2,003 — 2,003 — Mortgage-backed securities 151,012 — 151,012 — Obligations of states and political subdivisions 21,877 — 21,877 — Subordinated debt 2,508 — 2,508 — Derivative: Interest rate swap 58 — 58 — Total assets at fair value $ 192,379 $ — $ 192,379 $ — Liabilities: Interest rate swap $ 58 $ — $ 58 $ — Total liabilities at fair value $ 58 $ — $ 58 $ —
Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets	The following table displays quantitative information about Level 3 Fair Value Measurements for certain financial assets measured at fair value on a nonrecurring basis at September 30, 2022 and December 31, 2021: Quantitative information about Level 3 Fair Value Measurements September 30, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Present value of cash flows Discount rate 4 % - 6 % 5 % Quantitative information about Level 3 Fair Value Measurements December 31, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Discounted appraised value Selling cost 12 % 12 % Impaired loans Present value of cash flows Discount rate 4 % - 6 % 5 % (1) Unobservable inputs were weighted by the relative fair values of the instruments.
Financial And Nonfinancial Assets Measured At Fair Value On A Nonrecurring Basis	The following table summarizes the Company’s financial and nonfinancial assets that were measured at fair value on a nonrecurring basis at September 30, 2022 and December 31, 2021: Carrying value at September 30, 2022 Balance as of Identical Observable Unobservable September 30, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 643 $ — $ — $ 643 Carrying value at December 31, 2021 Balance as of Quoted Prices Significant Significant December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 746 $ — $ — $ 746
Company's Financial Instruments	The carrying value and fair value of the Company’s financial instruments at September 30, 2022 and December 31, 2021 were as follows: Fair Value Measurements at September 30, 2022 Using Carrying Quoted Prices Significant Significant Fair Value September 30, 2022 (Level 1) (Level 2) (Level 3) September 30, 2022 (in thousands) Financial assets: Cash and short-term investments $ 35,935 $ 35,935 $ — $ — $ 35,935 Securities 151,753 — 151,753 — 151,753 Restricted Investments 4,608 — 4,608 — 4,608 Loans held for sale 90 90 — 90 Loans, net 1,191,099 — — 1,182,235 1,182,235 Bank owned life insurance 23,731 — 23,731 — 23,731 Accrued interest receivable 3,079 — 3,079 — 3,079 Interest rate swaps 1,120 — 1,120 — 1,120 Financial liabilities: Deposits $ 1,254,114 $ — $ 1,254,480 $ — $ 1,254,480 Federal Home Loan Bank advances 75,000 — 74,978 — 74,978 Subordinated debt, net of unamortized issuance costs 29,360 — 29,352 — 29,352 Accrued interest payable 1,196 — 1,196 — 1,196 Interest rate swaps 1,120 — 1,120 — 1,120 Fair Value Measurements at December 31, 2021 Using Carrying Value Quoted Prices Significant Significant Fair Value December 31, 2021 (Level 1) (Level 2) (Level 3) December 31, 2021 (in thousands) Financial assets: Cash and short-term investments $ 64,068 $ 64,068 $ — $ — $ 64,068 Securities 192,321 — 192,321 — 192,321 Restricted Investments 1,049 — 1,049 — 1,049 Loans held for sale 876 876 — 876 Loans, net 976,933 — — 969,612 969,612 Bank owned life insurance 23,236 — 23,236 — 23,236 Accrued interest receivable 2,634 — 2,634 — 2,634 Interest rate swap 58 — 58 — 58 Financial liabilities: Deposits $ 1,177,235 $ — $ 1,177,582 $ — $ 1,177,582 Accrued interest payable 67 — 67 — 67 Interest rate swap 58 — 58 — 58

Change in Accumulated Other C_2

Change in Accumulated Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Income Loss Net Of Tax [Abstract]
Changes To Accumulated Other Comprehensive Income By Components	Changes to accumulated other comprehensive income (loss) by component are shown in the following table for the periods indicated: Three Months Ended September 30, 2022 2021 Unrealized Change in Total Unrealized Change in Total (dollars in thousands) (dollars in thousands) July 1 $ ( 16,775 ) $ 19 $ ( 16,756 ) $ 1,103 $ 19 $ 1,122 Other comprehensive (loss) before reclassifications ( 6,401 ) — ( 6,401 ) ( 47 ) — ( 47 ) Reclassifications 737 — 737 — — — Tax effect of current period changes 1,189 — 1,189 10 — 10 Current period changes net of taxes ( 4,475 ) — ( 4,475 ) ( 37 ) — ( 37 ) September 30 $ ( 21,250 ) $ 19 $ ( 21,231 ) $ 1,066 $ 19 $ 1,085 Nine Months Ended September 30, 2022 2021 Unrealized Change in Total Unrealized Change in Total (dollars in thousands) (dollars in thousands) January 1 $ ( 174 ) $ 19 $ ( 155 ) $ 3,260 $ 19 $ 3,279 Other comprehensive (loss) before reclassifications ( 27,416 ) — ( 27,416 ) ( 2,753 ) — ( 2,753 ) Reclassifications 737 — 737 ( 24 ) — ( 24 ) Tax effect of current period changes 5,603 — 5,603 583 — 583 Current period changes net of taxes ( 21,076 ) — ( 21,076 ) ( 2,194 ) — ( 2,194 ) September 30 $ ( 21,250 ) $ 19 $ ( 21,231 ) $ 1,066 $ 19 $ 1,085

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2022
Real Estate [Abstract]
Other Real Estate Owned Rollforward	The following table is a summary of other real estate owned (“OREO”) activity for the nine months ended September 30, 2022 and 2021 and the year ended December 31, 2021: Nine Months Ended Year Ended Nine Months Ended September 30, December 31, September 30, 2022 2021 2021 (in thousands) Balance, beginning $ — $ 607 $ 607 Transfer from loans — 266 266 Gain on foreclosures — — — Sales — ( 781 ) ( 588 ) Valuation adjustments — ( 92 ) ( 92 ) Balance, ending $ — $ — $ 193

Derivatives (Tables)

Derivatives (Tables)	9 Months Ended
	Sep. 30, 2022
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Summarize Key Elements of Derivative Instruments	The following table summarize key elements of the Company's derivative instruments at September 30, 2022 and December 31, 2021. September 30, 2022 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 23,285 $ 1,120 $ — Matched interest rate swaps with counterparty 23,285 — 1,120 December 31, 2021 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 2,391 $ 58 $ — Matched interest rate swaps with counterparty 2,391 — 58

General (Details)

General (Details)	Sep. 30, 2022
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Ownership percentage in subsidiaries	100%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock incentive plan, authorized common stock | shares	500,000
Unrecognized compensation cost related to unvested Restricted Stock | $	$ 645
Service Period [Member] | Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	3 years
Performance Measure [Member] | Executive Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	1 year

Stock-Based Compensation Plan_2

Stock-Based Compensation Plan (Restricted Stock Activity) (Details) - $ / shares	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Share Based Compensation [Abstract]
Shares, Nonvested, beginning of period	31,738	20,928
Shares, Granted	31,648	32,496
Shares, Vested	(12,468)	(12,258)
Shares, Forfeited	(810)	(425)
Shares, Nonvested, end of period	50,108	40,741
Weighted Average Grant Date Fair Value, Nonvested, beginning of period	$ 30.70	$ 29.98
Weighted Average Grant Date Fair Value, Granted	34.40	31.16
Weighted Average Grant Date Fair Value, Vested	30	30.95
Weighted average Grant Date Fair Value, Forfeited	29.69	31.05
Weighted Average Grant Date Fair Value, Nonvested, end of period	$ 33.72	$ 30.62

Earnings Per Common Share (Weig

Earnings Per Common Share (Weighted Average Number Of Shares Used In Computing Earnings Per Share) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Earnings Per Share [Abstract]
Potentially dilutive securities outstanding	0	0	0	0
Average number of common shares outstanding used to calculate basic earnings per share	3,487,555	3,448,352	3,479,876	3,436,271
Average number of common shares outstanding used to calculate diluted earnings per share	3,487,555	3,448,352	3,479,876	3,436,271

Securities (Amortized Costs And

Securities (Amortized Costs And Fair Values Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	$ 178,650	$ 192,539
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	1,954
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(26,897)	(2,172)
Securities available for sale, at fair value	151,753	192,321
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	9,994	14,541
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	417
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(783)	(37)
Securities available for sale, at fair value	9,211	14,921
US Treasury Notes [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost		2,003
Securities available for sale, at fair value		2,003
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	156,879	152,391
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax		753
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(25,337)	(2,132)
Securities available for sale, at fair value	131,542	151,012
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	7,027	21,104
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	773
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(408)
Securities available for sale, at fair value	6,619	21,877
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	4,750	2,500
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax		11
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(369)	(3)
Securities available for sale, at fair value	$ 4,381	$ 2,508

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) Security	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($) Security
Schedule Of Available For Sale Securities [Line Items]
Sales of securities available for sale	$ 10,813	$ 15,885
Available-for-sale Securities, Gross Realized Gains	6	143
Available-for-sale Securities, Gross Realized Losses	$ 743	119
Debt securities included in gross unrealized losses on available for sale securities | Security	105		41
Securities available for sale, at fair value	$ 151,753		$ 192,321
Pledged as Collateral [Member]
Schedule Of Available For Sale Securities [Line Items]
Securities available for sale, at fair value	8,500
Available-for-Sale Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Sales of securities available for sale	$ 15,400	$ 15,900

Securities (Fair Value And Gros

Securities (Fair Value And Gross Unrealized Losses For Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	$ 53,094	$ 103,943
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	6,079	1,254
Fair Value, 12 months or more	97,869	29,555
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	20,818	918
Fair Value, Total	150,963	133,498
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	26,897	2,172
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	9,210	2,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	783	37
Fair Value, Total	9,210	2,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	783	37
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	33,673	101,080
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	4,519	1,214
Fair Value, 12 months or more	97,869	29,555
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	20,818	918
Fair Value, Total	131,542	130,635
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	25,337	2,132
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	6,580
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	408
Fair Value, Total	6,580
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	408
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	3,631	247
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	369	3
Fair Value, Total	3,631	247
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 369	$ 3

Securities (Restricted Investme

Securities (Restricted Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 4,608	$ 1,049
Federal Reserve Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	944	344
Federal Home Loan Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	3,524	565
Community Bankers' Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 140	$ 140

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Schedule of Composition of Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 1,195,488	$ 982,225
Net deferred loan costs and premiums	6,353	3,495
Allowance for loan losses	(10,742)	(8,787)
Net Loans	1,191,099	976,933
Construction and land development
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	69,255	71,191
Secured by farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	16,220	13,710
Secured by 1-4 family residential properties
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	280,880	263,723
Multifamily
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	38,877	29,093
Commercial Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	491,364	377,051
Commercial and industrial loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	179,848	143,378
Consumer installment loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	107,877	67,281
All other loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 11,167	$ 16,798

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment [Line Items]
Loans	$ 1,195,488	$ 982,225
Other Assets
Financing Receivable Recorded Investment [Line Items]
Net servicing assets	466
Marine Loans
Financing Receivable Recorded Investment [Line Items]
Loans	$ 178,000

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Receivables [Abstract]
Beginning Balance	$ 8,787	$ 7,096	$ 7,096
Provision for loan losses	900	1,183	1,483
Recoveries added to the allowance	1,224	238	318
Loan losses charged to the allowance	(169)	(69)	(110)
Ending Balance	$ 10,742	$ 8,448	$ 8,787

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Nonaccrual And Past Due Loans By Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 1,087,611	$ 914,944
Total Loans	1,195,488	982,225
90 or More Days Past Due Still Accruing		43
Nonaccrual Loans	2,427	2,723
Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	179,848	143,378
Nonaccrual Loans	73
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	219,493	188,839
Nonaccrual Loans	22	124
Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	271,871	188,212
Nonaccrual Loans	1,353	1,547
Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	10,026	10,077
Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	75,449	74,824
Nonaccrual Loans	655	234
Consumer Installment
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	107,877	67,281
Nonaccrual Loans	1	3
Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	40,972	35,862
Nonaccrual Loans	19	29
Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	239,908	227,861
90 or More Days Past Due Still Accruing		43
Nonaccrual Loans	304	786
Residential Multifamily
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	38,877	29,093
All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	11,167	16,798
Financial Asset, Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	700	582
Financial Asset, Not Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	301	8
Financial Asset, Not Past Due | Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		146
Financial Asset, Not Past Due | Consumer Installment
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	262	6
Financial Asset, Not Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	137	13
Financial Asset, Not Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		409
60 - 89 Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	683	371
60 - 89 Days Past due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	32	7
60 - 89 Days Past due | Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	271
60 - 89 Days Past due | Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	208
60 - 89 Days Past due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		126
60 - 89 Days Past due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	172	238
Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	332	672
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	73
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		130
Financial Asset, Equal to or Greater than 90 Days Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	103	108
Financial Asset, Equal to or Greater than 90 Days Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	156	434
Financial Asset, Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	1,715	1,625
Financial Asset, Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	406	15
Financial Asset, Past Due | Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	271	276
Financial Asset, Past Due | Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	208
Financial Asset, Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	103	234
Financial Asset, Past Due | Consumer Installment
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	262	6
Financial Asset, Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	137	13
Financial Asset, Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	328	1,081
Financial Asset, Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	1,193,773	980,600
Financial Asset, Not Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	179,442	143,363
Financial Asset, Not Past Due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	219,493	188,839
Financial Asset, Not Past Due | Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	271,600	187,936
Financial Asset, Not Past Due | Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	9,818	10,077
Financial Asset, Not Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	75,346	74,590
Financial Asset, Not Past Due | Consumer Installment
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	107,615	67,275
Financial Asset, Not Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	40,835	35,849
Financial Asset, Not Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	239,580	226,780
Financial Asset, Not Past Due | Residential Multifamily
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	38,877	29,093
Financial Asset, Not Past Due | All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 11,167	$ 16,798

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Allowance For Loan Losses By Segment) (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Financing Receivable Impaired [Line Items]
Beginning Balance	$ 8,787	$ 7,096	$ 7,096
Charge-Offs	(169)	(69)	(110)
Recoveries	1,224	238	318
Provision	900	1,183	1,483
Ending Balance	10,742	8,448	8,787
Ending balance: Individually evaluated for impairment	406		39
Ending balance: collectively evaluated for impairment	10,336		8,748
Ending balance	1,195,488		982,225
Ending balance individually evaluated for impairment	6,990		5,454
Ending balance collectively evaluated for impairment	1,188,498		976,771
Construction And Farmland Financing Receivable
Financing Receivable Impaired [Line Items]
Beginning Balance	2,794	1,604	1,604
Recoveries	5		12
Provision	(84)		1,178
Ending Balance	2,715		2,794
Ending balance: collectively evaluated for impairment	2,715		2,794
Ending balance	85,475		84,901
Ending balance individually evaluated for impairment	1,042		257
Ending balance collectively evaluated for impairment	84,433		84,644
Residential Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,750	1,929	1,929
Charge-Offs	(2)		(13)
Recoveries	883		240
Provision	(862)		(406)
Ending Balance	1,769		1,750
Ending balance: Individually evaluated for impairment	32		39
Ending balance: collectively evaluated for impairment	1,737		1,711
Ending balance	319,757		292,816
Ending balance individually evaluated for impairment	3,482		2,778
Ending balance collectively evaluated for impairment	316,275		290,038
Commercial Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,650	1,645	1,645
Recoveries	197		7
Provision	352		(2)
Ending Balance	2,199		1,650
Ending balance: collectively evaluated for impairment	2,199		1,650
Ending balance	491,364		377,051
Ending balance individually evaluated for impairment	1,989		2,295
Ending balance collectively evaluated for impairment	489,375		374,756
Commercial Portfolio Segment
Financing Receivable Impaired [Line Items]
Beginning Balance	1,656	1,374	1,374
Charge-Offs			(10)
Recoveries	107		18
Provision	702		274
Ending Balance	2,465		1,656
Ending balance: Individually evaluated for impairment	374
Ending balance: collectively evaluated for impairment	2,091		1,656
Ending balance	179,848		143,378
Ending balance individually evaluated for impairment	453		108
Ending balance collectively evaluated for impairment	179,395		143,270
Consumer Portfolio Segment
Financing Receivable Impaired [Line Items]
Beginning Balance	646	198	198
Charge-Offs	(67)		(19)
Recoveries	21		29
Provision	397		438
Ending Balance	997		646
Ending balance: collectively evaluated for impairment	997		646
Ending balance	107,877		67,281
Ending balance individually evaluated for impairment	24		16
Ending balance collectively evaluated for impairment	107,853		67,265
All Other Loans
Financing Receivable Impaired [Line Items]
Beginning Balance	291	$ 346	346
Charge-Offs	(100)		(68)
Recoveries	11		12
Provision	185		1
Ending Balance	387		291
Ending balance: collectively evaluated for impairment	387		291
Ending balance	11,167		16,798
Ending balance collectively evaluated for impairment	11,167		$ 16,798
Unallocated Financing Receivables
Financing Receivable Impaired [Line Items]
Provision	210
Ending Balance	210
Ending balance: collectively evaluated for impairment	$ 210

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Impaired Loans By Class) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Unpaid Principal Balance
Total	$ 7,408	$ 6,052
Recorded Investment
Total	7,006	5,473
Related Allowance
With no related allowance:	406	39
Average Recorded Investment
Total	7,133	5,626
Interest Income Recognized
Total	155	113
Consumer Installment
Unpaid Principal Balance
Total	25	17
Recorded Investment
Total	24	16
Average Recorded Investment
Total	26	19
Interest Income Recognized
Total	1	1
Commercial Portfolio Segment
Unpaid Principal Balance
Total	470	143
Recorded Investment
Total	453	109
Related Allowance
With no related allowance:	374
Average Recorded Investment
Total	507	166
Interest Income Recognized
Total	21	11
Commercial Real Estate
Unpaid Principal Balance
Total	2,237	2,687
Recorded Investment
Total	1,989	2,301
Average Recorded Investment
Total	2,001	2,328
Interest Income Recognized
Total	24
Construction And Farmland Financing Receivable
Unpaid Principal Balance
Total	1,059	271
Recorded Investment
Total	1,045	257
Average Recorded Investment
Total	1,056	267
Interest Income Recognized
Total	13	9
Residential
Unpaid Principal Balance
Total	3,617	2,934
Recorded Investment
Total	3,495	2,790
Related Allowance
With no related allowance:	32	39
Average Recorded Investment
Total	3,543	2,846
Interest Income Recognized
Total	96	92
With No Related Allowance
Unpaid Principal Balance
With no related allowance:	6,330	5,241
Recorded Investment
With no related allowance:	5,954	4,686
Average Recorded Investment
With no related allowance:	6,033	4,824
Interest Income Recognized
With no related allowance:	118	83
With No Related Allowance | Commercial - Non Real Estate: - Commercial Real Estate:
Unpaid Principal Balance
With no related allowance:	91	143
Recorded Investment
With no related allowance:	79	109
Average Recorded Investment
With no related allowance:	94	166
Interest Income Recognized
With no related allowance:	4	11
With No Related Allowance | Commercial Real Estate Owner Occupied
Unpaid Principal Balance
With no related allowance:	208	148
Recorded Investment
With no related allowance:	204	124
Average Recorded Investment
With no related allowance:	209	142
Interest Income Recognized
With no related allowance:	9
With No Related Allowance | Commercial Real Estate Non-Owner Occupied
Unpaid Principal Balance
With no related allowance:	2,029	2,539
Recorded Investment
With no related allowance:	1,785	2,177
Average Recorded Investment
With no related allowance:	1,792	2,186
Interest Income Recognized
With no related allowance:	15
With No Related Allowance | Construction And Farmland Commercial
Unpaid Principal Balance
With no related allowance:	1,059	271
Recorded Investment
With no related allowance:	1,045	257
Average Recorded Investment
With no related allowance:	1,056	267
Interest Income Recognized
With no related allowance:	13	9
With No Related Allowance | Consumer Installment
Unpaid Principal Balance
With no related allowance:	25	17
Recorded Investment
With no related allowance:	24	16
Average Recorded Investment
With no related allowance:	26	19
Interest Income Recognized
With no related allowance:	1	1
With No Related Allowance | Residential Equity Lines
Unpaid Principal Balance
With no related allowance:	23	35
Recorded Investment
With no related allowance:	19	29
Average Recorded Investment
With no related allowance:	20	32
With No Related Allowance | Residential Single Family
Unpaid Principal Balance
With no related allowance:	2,895	2,088
Recorded Investment
With no related allowance:	2,798	1,974
Average Recorded Investment
With no related allowance:	2,836	2,012
Interest Income Recognized
With no related allowance:	76	62
With An Allowance Recorded
Unpaid Principal Balance
With an allowance recorded:	1,078	811
Recorded Investment
With an allowance recorded:	1,052	787
Related Allowance
With no related allowance:	406	39
Average Recorded Investment
With an allowance recorded:	1,100	802
Interest Income Recognized
With an allowance recorded:	37	30
With An Allowance Recorded | Commercial - Non Real Estate: - Commercial Real Estate:
Unpaid Principal Balance
With an allowance recorded:	379
Recorded Investment
With an allowance recorded:	374
Related Allowance
With no related allowance:	374
Average Recorded Investment
With an allowance recorded:	413
Interest Income Recognized
With an allowance recorded:	17
With An Allowance Recorded | Residential Single Family
Unpaid Principal Balance
With an allowance recorded:	699	811
Recorded Investment
With an allowance recorded:	678	787
Related Allowance
With no related allowance:	32	39
Average Recorded Investment
With an allowance recorded:	687	802
Interest Income Recognized
With an allowance recorded:	$ 20	$ 30

Loans and Allowance for loan _9

Loans and Allowance for loan losses (Impaired loans by class) (Parenthetical) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Receivables [Abstract]
Accrued interests and net deferred loan fees	$ 16	$ 19

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Credit Quality Information By Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 1,087,611	$ 914,944
Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,040,866	883,492
Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	34,444	26,638
Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,185	4,697
Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	116	117
Performing
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	107,876	67,275
Nonperforming
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1	6
Commercial - Non Real Estate Commercial And Industrial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	179,848	143,378
Commercial - Non Real Estate Commercial And Industrial | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	179,618	143,197
Commercial - Non Real Estate Commercial And Industrial | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	157	176
Commercial - Non Real Estate Commercial And Industrial | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	73	5
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	219,493	188,839
Commercial Real Estate Owner Occupied | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	200,192	185,978
Commercial Real Estate Owner Occupied | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	19,279	2,703
Commercial Real Estate Owner Occupied | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	22	158
Commercial Real Estate Non-Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	271,871	188,212
Commercial Real Estate Non-Owner Occupied | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	261,315	180,830
Commercial Real Estate Non-Owner Occupied | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,556	4,819
Commercial Real Estate Non-Owner Occupied | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,000	2,563
Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,026	10,077
Construction And Farmland Residential | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	9,818	10,077
Construction And Farmland Residential | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	208
Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	75,449	74,824
Construction And Farmland Commercial | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	63,482	59,318
Construction And Farmland Commercial | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,203	15,198
Construction And Farmland Commercial | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,764	308
Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	40,972	35,862
Residential Equity Lines | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	40,952	35,832
Residential Equity Lines | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	20	30
Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	239,908	227,861
Residential Single Family | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	235,445	224,510
Residential Single Family | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,041	1,601
Residential Single Family | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,306	1,633
Residential Single Family | Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	116	117
Residential Multifamily
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	38,877	29,093
Residential Multifamily | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	38,877	26,952
Residential Multifamily | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		2,141
All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	11,167	16,798
All Other Loans | Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 11,167	$ 16,798

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($) Contract Loan	Sep. 30, 2021 Contract	Sep. 30, 2022 USD ($) Contract Loan	Sep. 30, 2021 Contract	Dec. 31, 2021 USD ($) Loan
Financing Receivable Modifications [Line Items]
Number of troubled debt restructured loans | Loan			26		17
Financing Receivable, Modifications, Nonaccrual, Number of Contracts | Loan	2		2		2
Financing Receivable, Modifications, Nonaccrual, Recorded Investment | $	$ 136		$ 136		$ 149
Total troubled debt restructured loans | $	$ 4,400		$ 4,400		$ 2,700
Number of contracts modified by granting concession	11		11	3
Number of contracts modified by renewing loan for twelve-month period	8		8
Number of contracts modified by refinancing loan to extend term	2		2
Number of payment defaults	0	0	0
Residential Single Family
Financing Receivable Modifications [Line Items]
Loan is considered payment default			30 days

Troubled Debt Restructurings (S

Troubled Debt Restructurings (Schedule of Troubled Debt Restructurings on Financing Receivables) (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2022 USD ($) Contract	Sep. 30, 2022 USD ($) Contract	Sep. 30, 2021 USD ($) Contract	Dec. 31, 2021 USD ($)
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	5	11	3
Pre-Modification Outstanding Recorded Investment	$ 914	$ 2,438	$ 113
Post-Modification Outstanding Recorded Investment	915	2,457	$ 113
Total troubled debt restructured loans	$ 4,400	$ 4,400		$ 2,700
Commercial Real Estate Owner Occupied
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract		1
Pre-Modification Outstanding Recorded Investment		$ 185
Post-Modification Outstanding Recorded Investment		$ 185
Construction And Farmland Residential
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract		1
Pre-Modification Outstanding Recorded Investment		$ 639
Post-Modification Outstanding Recorded Investment		$ 639
Residential Single Family
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	4	7	1
Pre-Modification Outstanding Recorded Investment	$ 894	$ 1,433	$ 98
Post-Modification Outstanding Recorded Investment	$ 894	$ 1,451	$ 98
Consumer Installment
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	1	1	2
Pre-Modification Outstanding Recorded Investment	$ 20	$ 20	$ 15
Post-Modification Outstanding Recorded Investment	$ 21	$ 21	$ 15
Commercial Real Estate Non-Owner Occupied
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract		1
Pre-Modification Outstanding Recorded Investment		$ 161
Post-Modification Outstanding Recorded Investment		$ 161

Deposits (Composition Of Deposi

Deposits (Composition Of Deposits) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Deposits [Abstract]
Noninterest bearing demand deposits	$ 491,184	$ 470,355
NOW accounts	168,543	162,690
Money market accounts	281,839	251,862
Regular savings accounts	181,699	168,744
Savings and interest bearing demand deposits	632,081	583,296
Balances of less than $250,000	71,059	58,427
Balances of $250,000 and more	59,790	65,157
Time deposits	130,849	123,584
Total deposits	$ 1,254,114	$ 1,177,235

Leases - Schedule of Lease Info

Leases - Schedule of Lease Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Lessee, Lease, Description [Line Items]
Lease liabilities	$ 5,057		$ 5,057		$ 5,289
Right-of-use assets	$ 4,860		$ 4,860		$ 5,139
Weighted average remaining lease term	14 years		14 years		15 years
Weighted average discount rate	3.02%		3.02%		2.99%
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities		Other Liabilities		Other Liabilities
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets		Other Assets		Other Assets
Lease Cost
Operating lease cost	$ 132	$ 106	$ 396	$ 257
Short-term lease cost	3	7	11	15
Total lease cost	135	113	407	272
Cash paid for amounts included in the measurement of lease liabilities	$ 116	$ 83	$ 348	$ 209

Leases - Schedule of Maturity o

Leases - Schedule of Maturity of Lease Liability (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Lessee, Lease, Description [Line Items]
Twelve months ending September 30, 2023	$ 471
Twelve months ending September 30, 2024	478
Twelve months ending September 30, 2025	497
Twelve months ending September 30, 2026	428
Twelve months ending September 30, 2027	390
Thereafter	4,247
Total undiscounted cash flows	6,511
Discount	(1,454)
Lease liabilities	$ 5,057	$ 5,289
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities

Fair Value Measurements (Financ

Fair Value Measurements (Financial Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities available for sale
Total assets at fair value	$ 152,873	$ 192,379
Derivative:
Interest rate swaps	1,120	58
Liabilities:
Interest rate swaps	1,120	58
Total liabilities at fair value	1,120	58
Obligations Of U.S. Government Corporations And Agencies [Member]
Securities available for sale
Total assets at fair value	9,211	14,921
U.S. Treasury Notes [Member]
Securities available for sale
Total assets at fair value		2,003
Mortgage-Backed Securities [Member]
Securities available for sale
Total assets at fair value	131,542	151,012
Obligations Of States And Political Subdivisions [Member]
Securities available for sale
Total assets at fair value	6,619	21,877
Subordinated Debt [Member]
Securities available for sale
Total assets at fair value	4,381	2,508
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	152,873	192,379
Derivative:
Interest rate swaps	1,120	58
Liabilities:
Interest rate swaps	1,120	58
Total liabilities at fair value	1,120	58
Significant Other Observable Inputs (Level 2) [Member] | Obligations Of U.S. Government Corporations And Agencies [Member]
Securities available for sale
Total assets at fair value	9,211	14,921
Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury Notes [Member]
Securities available for sale
Total assets at fair value		2,003
Significant Other Observable Inputs (Level 2) [Member] | Mortgage-Backed Securities [Member]
Securities available for sale
Total assets at fair value	131,542	151,012
Significant Other Observable Inputs (Level 2) [Member] | Obligations Of States And Political Subdivisions [Member]
Securities available for sale
Total assets at fair value	6,619	21,877
Significant Other Observable Inputs (Level 2) [Member] | Subordinated Debt [Member]
Securities available for sale
Total assets at fair value	$ 4,381	$ 2,508

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Loans Held For Sale [Member] | Changes Measurement | Fair Value Measurements Nonrecurring [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Nonrecurring fair value adjustments	$ 0	$ 0	$ 0

Fair Value Measurements (Quanti

Fair Value Measurements (Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets) (Details) - Impaired Loans [Member] - Level 3 [Member]	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Measurement Input, Cost to Sell
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements		12%
Measurement Input, Discount Rate
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	5%	5%
Measurement Input, Discount Rate | Minimum [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	4%	4%
Measurement Input, Discount Rate | Maximum [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	6%	6%

Fair Value Measurements (Fina_2

Fair Value Measurements (Financial And Nonfinancial Assets Measured At Fair Value On A Nonrecurring Basis) (Details) - Fair Value Measurements Nonrecurring [Member] - Financial Assets [Member] - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial Assets:
Impaired loans	$ 643	$ 746
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets:
Impaired loans	$ 643	$ 746

Fair Value Measurements (Compan

Fair Value Measurements (Company's Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial Assets:
Cash and short-term investments	$ 35,935	$ 64,068
Securities	151,753	192,321
Restricted Investments	4,608	1,049
Loans held for sale	90	876
Loans, net	1,191,099	976,933
Bank owned life insurance	23,731	23,236
Accrued interest receivable	3,079	2,634
Interest rate swaps	1,120	58
Financial liabilities:
Deposits	1,254,114	1,177,235
Federal Home Loan Bank advances	75,000
Subordinated debt, net of unamortized issuance costs	29,360
Accrued interest payable	1,196	67
Interest rate swaps	1,120	58
Fair Value [Member]
Financial Assets:
Cash and short-term investments	35,935	64,068
Securities	151,753	192,321
Restricted Investments	4,608	1,049
Loans held for sale	90	876
Loans, net	1,182,235	969,612
Bank owned life insurance	23,731	23,236
Accrued interest receivable	3,079	2,634
Interest rate swaps	1,120	58
Financial liabilities:
Deposits	1,254,480	1,177,582
Federal Home Loan Bank advances	74,978
Subordinated debt, net of unamortized issuance costs	29,352
Accrued interest payable	1,196	67
Interest rate swaps	1,120	58
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Financial Assets:
Cash and short-term investments	35,935	64,068
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets:
Securities	151,753	192,321
Restricted Investments	4,608	1,049
Loans held for sale	90	876
Bank owned life insurance	23,731	23,236
Accrued interest receivable	3,079	2,634
Interest rate swaps	1,120	58
Financial liabilities:
Deposits	1,254,480	1,177,582
Federal Home Loan Bank advances	74,978
Subordinated debt, net of unamortized issuance costs	29,352
Accrued interest payable	1,196	67
Interest rate swaps	1,120	58
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets:
Loans, net	$ 1,182,235	$ 969,612

Change in Accumulated Other C_3

Change in Accumulated Other Comprehensive Income (Loss) (Changes To Accumulated Other Comprehensive Income By Components) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2022	Sep. 30, 2021
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ (16,756)		$ (155)	$ 1,122		$ 3,279	$ (155)	$ 3,279
Other comprehensive (loss) before reclassifications	(6,401)			(47)			(27,416)	(2,753)
Reclassifications	737			0			737	(24)
Tax effect of current period changes	1,189			10			5,603	583
Total other comprehensive (loss)	(4,475)	$ (5,973)	(10,628)	(37)	$ 36	(2,193)	(21,076)	(2,194)
Ending balance	(21,231)	(16,756)		1,085	1,122		(21,231)	1,085
Unrealized Gains And Losses On Available For Sale Securities [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	(16,775)		(174)	1,103		3,260	(174)	3,260
Other comprehensive (loss) before reclassifications	(6,401)			(47)			(27,416)	(2,753)
Reclassifications	737			0			737	(24)
Tax effect of current period changes	1,189			10			5,603	583
Total other comprehensive (loss)	(4,475)			(37)			(21,076)	(2,194)
Ending balance	(21,250)	(16,775)		1,066	1,103		(21,250)	1,066
Change In Benefit Obligations And Plan Assets For The Post Retirement Benefit Plan [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	19		$ 19	19		$ 19	19	19
Ending balance	$ 19	$ 19		$ 19	$ 19		$ 19	$ 19

Change in Accumulated Other C_4

Change in Accumulated Other Comprehensive Income (Loss) (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	$ (737)	$ 0	$ (737)	$ 24
Unrealized Gains And Losses On Available For Sale Securities [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	(737)	0	(737)	24
Tax expense related to reclassification	$ 155	$ 0	$ 155	$ 5

Other Real Estate Owned - Other

Other Real Estate Owned - Other Real Estate Owned Rollforward (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2021
Real Estate [Abstract]
Balance, beginning	$ 607	$ 607
Transfer from loans	266	266
Sales	(588)	(781)
Valuation adjustments	(92)	(92)
Balance, ending	$ 193

Other Real Estate Owned Narrati

Other Real Estate Owned Narrative (Details)	Sep. 30, 2022 USD ($) Contract	Dec. 31, 2021 Contract
Real Estate [Abstract]
Mortgage loan totaling collateralized | $	$ 116
Mortgage Loans In Process Of Foreclosure Number | Contract	1	0

Qualified Affordable Housing _2

Qualified Affordable Housing Project Investments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Federal Home Loan Banks [Abstract]
Amortization Method Qualified Affordable Housing Project Investments	$ 2,400		$ 2,400		$ 2,600
Qualified Affordable Housing Project Investments, Commitment	11		11		$ 11
Amortization Method Qualified Affordable Housing Project Investments, Amortization	$ 82	$ 57	196	$ 172
Affordable Housing Tax Credits and Other Tax Benefits Expected to Be Received			353
Affordable Housing Tax Credits and Other Tax Benefits, Amount			$ 269	$ 272

Subordinated Debt (Narrative) (

Subordinated Debt (Narrative) (Details) - USD ($) $ in Thousands		9 Months Ended
	Oct. 06, 2022	Sep. 30, 2022	Mar. 31, 2022
Debt Instrument [Line Items]
Fixed floating rate		4.50%
Debt, maturity date		Apr. 01, 2027
Debt issuance costs		$ 673
Debt balance		30,000
Unamortized debt issuance cost		640
Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Aggregate principal amount		$ 75,000
Fixed floating rate		2.18%
Debt, maturity date		Oct. 06, 2022
Federal Home Loan Bank Advances | Subsequent Event
Debt Instrument [Line Items]
Aggregate principal amount	$ 75,000
Fixed floating rate	3.79%
Debt, maturity date	Jan. 06, 2023
SOFR
Debt Instrument [Line Items]
Redemption interest rate		2.35%
Debt, redemption date		Apr. 01, 2027
Subordinated Notes due April 1, 2032
Debt Instrument [Line Items]
Aggregate principal amount			$ 30,000
Fixed floating rate			4.50%

Derivative (Summarize Key Eleme

Derivative (Summarize Key Elements of Derivative Instruments) (Details) - Customer-related interest rate swap contracts - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Matched interest rate swaps with borrower
Derivative [Line Items]
Notional Amount	$ 23,285	$ 2,391
Assets	1,120	58
Matched interest rate swaps with counterparty
Derivative [Line Items]
Notional Amount	23,285	2,391
Liabilities	$ 1,120	$ 58