Eagle Financial Services (EFSI) 10-K 29 Mar 23 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2022	Mar. 20, 2023	Jun. 30, 2022
Cover [Abstract]
Document Type	10-K
Document Annual 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	Dec. 31, 2022
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
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, Address Line Two	P.O. Box 391
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
No Trading Symbol Flag	true
Title of 12(g) Security	Common Stock, Par Value $2.50
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		3,522,874
Entity Public Float			$ 106,948,051
ICFR Auditor Attestation Flag	false
Documents Incorporated by Reference	Portions of the registrant’s Proxy Statement for the 2023 Annual Meeting of Shareholders are incorporated by reference into Part III.
Auditor Firm ID	613
Auditor Name	Yount, Hyde & Barbour, P.C.
Auditor Location	Winchester, Virginia

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 16,629	$ 14,536
Interest-bearing deposits with other institutions	49,902	49,304
Federal funds sold	363	228
Total cash and cash equivalents	66,894	64,068
Securities available for sale, at fair value	149,156	192,321
Restricted investments	9,233	1,049
Loans held for sale	153	876
Loans	1,323,783	985,720
Allowance for loan losses	(11,218)	(8,787)
Net Loans	1,312,565	976,933
Bank premises and equipment, net	18,064	18,249
Other real estate owned, net of allowance	108	0
Bank owned life insurance	23,862	23,236
Other assets	36,682	26,306
Total assets	1,616,717	1,303,038
Deposits:
Noninterest bearing demand deposits	478,750	470,355
Savings and interest bearing demand deposits	627,431	583,296
Time Deposits	157,894	123,584
Total deposits	1,264,075	1,177,235
Federal Funds Purchased	32,980	0
Federal Home Loan Bank advances	175,000	0
Subordinated Debt	29,377	0
Other Liabilities	13,556	15,523
Total liabilities	1,514,988	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, 3,490,086 including 38,780 unvested restricted stock; issued and outstanding 2021, 3,454,128 including 31,738 unvested restricted stock	8,629	8,556
Surplus	13,268	12,115
Retained earnings	100,278	89,764
Accumulated other comprehensive (loss)	(20,446)	(155)
Total shareholders’ equity	101,729	110,280
Total liabilities and shareholders’ equity	$ 1,616,717	$ 1,303,038

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 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	3,490,086	3,454,128
Common stock, shares, outstanding	3,490,086	3,454,128
Common stock, unvested restricted shares	38,780	31,738

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Interest and Dividend Income
Interest and fees on loans	$ 50,682	$ 39,871
Interest and dividends on securities:
Taxable interest income	3,292	2,272
Interest income exempt from federal income taxes	221	419
Dividends	109	45
Interest on deposits in banks	352	69
Interest on federal funds sold	30
Total interest and dividend income	54,686	42,676
Interest Expense
Interest on deposits	2,941	1,677
Interest on federal funds purchased	170
Interest on Federal Home Loan Bank advances	1,295
Interest on subordinated debt	1,067
Total interest expense	5,473	1,677
Net Interest Income	49,213	40,999
Provision For Loan Losses	1,830	1,483
Net interest income after provision for loan losses	47,383	39,516
Noninterest Income
Wealth management fees	4,149	3,054
Service charges on deposit accounts	1,618	1,235
Other service charges and fees	3,943	3,941
(Loss)on the sale and disposal of bank premises and equipment	(11)
(Loss) gain on sale of securities	(737)	24
Gain on sale of loans	1,875	1,658
Bank owned life insurance income	626	527
Other operating income	1,882	881
Total noninterest income	13,345	11,320
Noninterest Expenses
Salaries and employee benefits	25,730	21,854
Occupancy expenses	2,068	1,803
Equipment expenses	1,121	959
Advertising and marketing expenses	770	408
Stationery and supplies	199	155
ATM network fees	1,313	1,135
Other real estate owned expense	34	41
Loss on other real estate owned	0	201
FDIC assessment	614	606
Computer software expense	960	996
Bank franchise tax	886	781
Professional fees	2,019	3,760
Data processing fees	1,779	1,541
Other operating expenses	5,564	3,809
Total noninterest expenses	43,057	38,049
Income (loss) before taxes	17,671	12,787
Income Tax Expense	3,150	1,766
Net Income (loss)	$ 14,521	$ 11,021
Earnings Per Share
Net income per common share, basic	$ 4.17	$ 3.20
Net income per common share, diluted	$ 4.17	$ 3.20

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 14,521	$ 11,021
Other comprehensive (loss):
Unrealized (loss) on available for sale securities, net of reclassification adjustments, net of deferred income tax of ($5,394) and ($912) for the years ended December 31, 2022 and 2021, respectively	(20,291)	(3,434)
Total other comprehensive (loss)	(20,291)	(3,434)
Total comprehensive (loss) income	$ (5,770)	$ 7,587

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Unrealized gain (loss) on available for sale securities, deferred income tax	$ 5,394	$ 912

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	11,021			11,021
Other comprehensive income (loss)	(3,434)				(3,434)
Restricted stock awards, stock incentive plan		53	(53)
Stock-based compensation expense	850		850
Issuance of common stock, dividend investment plan	520	41	479
Issuance of common stock, employee benefit plan	179	14	165
Retirement of common stock	(149)	(12)	(137)
Dividends declared	(3,781)			(3,781)
Balance at Dec. 31, 2021	110,280	8,556	12,115	89,764	(155)
Net income	14,521			14,521
Other comprehensive income (loss)	(20,291)				(20,291)
Restricted stock awards, stock incentive plan	0	58	(58)
Stock-based compensation expense	1,017		1,017
Issuance of common stock, dividend investment plan	199	14	185
Issuance of common stock, employee benefit plan	164	12	152
Retirement of common stock	(154)	(11)	(143)
Dividends declared	(4,007)			(4,007)
Balance at Dec. 31, 2022	$ 101,729	$ 8,629	$ 13,268	$ 100,278	$ (20,446)

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Issuance of restricted stock, stock incentive plan, shares	23,079	21,261
Issuance of common stock, dividend investment plan, shares	5,582	16,194
Issuance of common stock, employee benefit plan, shares	4,697	5,577
Retirement of common stock, shares	4,442	4,749
Dividends declared, per share	$ 1.15	$ 1.10

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Cash Flows from Operating Activities
Net income	$ 14,521	$ 11,021
Adjustments to reconcile net income to net cash (used in) provided by operating activities
Depreciation	979	996
Amortization of other assets	931	672
Provision For Loan Losses	1,830	1,483
Origination of loans held for sale	(14,276)	(19,015)
Proceeds from sale of loans held for sale	15,486	18,775
Net (gains) on sales of loans	(1,875)	(1,658)
Loss on other real estate owned	0	201
Loss on the sale and disposal of premises and equipment	11
Amortization of Debt Issuance Costs	51
Loss (gain) on the sale of securities	737	(24)
Stock-based compensation expense	1,017	850
Premium amortization on securities, net	562	1,239
Bank owned life insurance (income)	(626)	(527)
Deferred tax (benefit)	(86)	(1,437)
Changes in assets and liabilities:
(Increase) decrease in other assets	(4,742)	6
Increase (decrease) in other liabilities	(706)	3,877
Net cash provided by operating activities	13,814	16,459
Cash Flows from Investing Activities
Proceeds from maturities, calls, and principal payments of securities available for sale	27,630	52,012
Proceeds from the sale of securities available for sale	15,370	15,885
Purchases of securities available for sale	(26,819)	(100,824)
Proceeds from the sale of restricted investments		222
Purchase of restricted investments	(8,184)	(4)
Proceeds for the sale of bank premises and equipment	33
Purchases of bank premises and equipment	(838)	(520)
Proceeds from the sale of other real estate owned		672
Changes in collateral posted with other financial institutions, net	(700)
Purchase of bank-owned life insurance		(10,000)
Proceeds from sales of loans	155,525	100,176
Net (increase) in loans	(492,592)	(248,598)
Funding of capital commitments related to other investments	(761)	(2,238)
Net cash (used in) provided by investing activities	(331,336)	(193,217)
Cash Flows from Financing Activities
Net increase in demand deposits, money market and savings accounts	52,530	169,211
Net increase (decrease) in certificates of deposit	34,310	(5,074)
Net increase in federal funds purchased	32,980
Net increase in Federal Home Loan Bank advances	175,000
Issuance of subordinated debt, net of issuance costs	29,326
Issuance of common stock, employee benefit plan	164	179
Retirement of common stock	(154)	(149)
Cash dividends paid	(3,808)	(3,261)
Net cash provided by financing activities	320,348	160,906
Increase (decrease) in cash and cash equivalents	2,826	(15,852)
Cash and Cash Equivalents
Beginning	64,068	79,920
Ending	66,894	64,068
Supplemental Disclosures of Cash Flow Information
Interest	4,563	1,682
Income taxes	4,368	2,816
Supplemental Schedule of Noncash Investing and Financing Activities:
Unrealized (loss) on securities available for sale	(25,685)	(4,346)
Other real estate and repossessed assets acquired in settlement of loans	108	266
Issuance of common stock, dividend investment plan	$ 199	520
Lease liabilities arising from right-of-use assets		$ 1,404

Nature of Banking Activities an

Nature of Banking Activities and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Banking Activities and Significant Accounting Policies	NOTE 1. Nature of Banking Activities and Significant Accounting Policies Eagle Financial Services, Inc. (the “Company” or “Corporation”) and Bank of Clarke (the “Bank”) grant commercial, financial, agricultural, residential and consumer loans to customers in Virginia, Maryland and the Eastern Panhandle of West Virginia. The loan portfolio is well diversified and generally is collateralized by assets of the customers. The loans are expected to be repaid from cash flows or proceeds from the sale of selected assets of the borrowers. In addition, the Bank of Clarke Wealth Management Division, a division of the Bank, provides both a full-service Trust Department and a separate brokerage area. The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and to accepted practices within the banking industry. Principles of Consolidation The Company owns 100 % of 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. Wealth Management Assets Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods. Securities Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Debt securities not classified as held to maturity are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Equity securities with readily determinable fair values are carried at fair value, with changes in fair value reported in income. Equity securities without readily determinable fair values are carried at cost, minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be “other than temporary” are reflected in earnings as realized losses. In estimating “other than temporary” impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company’s consolidated balance sheet as restricted investments. Loans Held for Sale Mortgage loans originated with the intent to sell in the secondary market are classified as loans held for sale and carried at the lower of cost or fair value as determined by commitments from investors. Mortgage loans that are sold in the secondary market are sold servicing released. The Company may also classify other loans as loans held for sale as part of its ongoing portfolio management strategies. Such other loans are generally not originated with the intent to sell. Once a decision is made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of cost or fair value. In 2022 , the Company sold non-mortgage loans totaling approximately $ 156 million as part of its portfolio management strategies that were previously classified as held for investment. Gains and losses on sales of loans are recorded based on the differential between the sales proceeds and carrying value of the underlying loans. Loan Servicing Rights Loan servicing rights are separate from the underlying loan and may be retained or sold by the Company when the related loan is sold.In connection with sale of certain loans, the Company has recognized assets for retained loan servicing rights. Capitalized loan servicing rights represent the economic benefits associated with contracts to service loans under which the benefits of servicing are expected to more than adequately compensate the Company for performing the servicing. Assets for retained loan servicing rights are initially recognized as a component of the gain recognized on the sale of the underlying loan(s) and are recorded at fair value on the consolidated balance sheets. Loan servicing rights are subsequently accounted for using the amortization method. The amortization method requires the servicing assets to be amortized in proportion to and over the period of estimated net servicing income. Additionally, the recorded balances are evaluated for impairment each reporting period and are reported at the lower of amortized cost or fair value. Assets for loan servicing rights are recorded in other assets in the consolidated balance sheets. Servicing fee income, net of amortization and impairment, if any, is reported in other service charges and fees in the consolidated statements of income. Loans The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke, Frederick, Loudoun and Fairfax, Virginia as well as the Towns of Leesburg and Purcellville and the Cities of Winchester and Frederick, Maryland. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan fees collected and certain costs incurred related to loan originations are deferred and amortized as an adjustment to interest income over the life of the related loans. Deferred fees and costs are recorded as an adjustment to interest income using a method that approximates a constant yield. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 120 and 90 days delinquent, respectively, unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Troubled Debt Restructurings ("TDR") In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a TDR. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on non-accrual status at the time of the TDR, the loan will remain on non-accrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status as noted above. Risks by Loan Portfolio Segments One-to-Four-Family Residential Real Estate Lending Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee. Commercial Real Estate Lending Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. Construction and Land Development Lending There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80 % of the estimated appraised value of the finished home. Commercial and Industrial Lending Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as accounts receivable, equipment, inventory and boats. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate. Consumer Lending Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. A portion of the Company’s consumer loans are also secured by boats. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation. Marine Lending The Bank’s marine lending unit, which includes originated retail loans, which are classified as commercial and industrial loans or consumer loans depending on borrower, and dealer floorplan loans, which are classified as commercial and industrial loans. The Company’s relationships are limited to well established dealers of global premium brand manufacturers. The Company’s top three manufacturer customers have been in business between 30 and 100 years. The Company primarily has secured agreements with premium manufacturers to support dealer floor plan loans which reduces the Company’s credit exposure to the dealer, despite its underwriting of each respective dealer. The Company has developed incentive retail pricing programs with the dealers to drive retail dealer flow. In addition to the repurchase agreements associated with floor plan lending, manufacturers will often support secondary resale values which can have the effect of reducing losses from non-performing retail marine loans. Retail borrowers generally have very high credit scores, substantial down payments, substantial net worth, personal liquidity, and excess cash flow. Paycheck Protection Program Loans In both 2021 and 2020, the Company participated in the Paycheck Protection Program ("PPP"). As of December 31, 2022 , the Company had 1 PPP loan with an outstanding balance of $ 74 thousand. As of December 31, 2021 , the Company had 152 PPP loans with outstanding balances totaling $ 15.9 million. Net origination fees related to PPP loans were recognized in earnings over the lives of the loans or until forgiveness by the SBA. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for (recovery of) loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are impaired. An allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. Qualitative factors considered in the general component include the levels and trends in delinquencies and nonperforming loans, trends in volume and terms of loans, the effects of any changes in lending policies, the experience, ability, and depth of management, national and local economic trends and conditions, changes in collateral values, concentrations of credit, the quality of the Company’s loan review system, competition and regulatory requirements. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer loans for impairment disclosures, unless such loans are the subject of a restructuring agreement or are in a nonaccrual status. Bank Premises and Equipment Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment. Maintenance and repairs of property and equipment are charged to operations and major improvements are capitalized. Upon retirement, sale or other disposition of property and equipment, the cost and accumulated depreciation balances are cleared the differential between the proceeds, if any, and the carrying value is recorded as a gain or loss in the Company's results of operations. Leases The Company accounts for its leasing arrangements in accordance with ASC 842 "Leases". Refer to Note 13 for further discussion of the Company's accounting for its leasing arrangements. 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 at the date of foreclosure. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less estimated cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. 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 performed 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 the lower of its cost or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in the (gain) loss on other real estate owned line item in the consolidated statements of income. Bank Owned Life Insurance The Company has purchased life insurance on certain key individuals. Bank owned life insurance is recorded at the amount that may be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or amounts due that are probable at settlement. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Loan Swaps The Company enters into interest rate swaps with certain qualifying commercial loan customers to meet their interest rate risk management needs. The Company 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 swaps with borrowers and swaps with dealer counterparties. Retirement Plans The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 11. 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, as adopted, authorized the issuance of up to 500,000 shares of common stock. This plan is discussed more fully in Note 10. Income Taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is “more likely than not” that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the “more likely than not” recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent ( 50 %) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions. Advertising The Company follows the policy of charging the costs of advertising to expense as incurred. Reclassifications Certain reclassifications have been made to the 2021 financial statements to conform to reporting for 2022 . The results of the reclassifications are not considered material and had no effect on prior years' net income or shareholders' equity. 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 and the effect on the weighted average number of shares of dilutive potential common stock. Twelve Months Ended December 31, 2022 2021 Average number of common shares outstanding 3,482,368 3,440,080 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,482,368 3,440,080 There were no potentially dilutive securities outstanding in 2022 or 2021 . Comprehensive (Loss) Income Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, net of income taxes, are reported within the balance sheet as a separate component of shareholders’ equity. These changes, along with net income, are components of comprehensive income and are reported in the statement of comprehensive income. In addition to net income, the Company’s comprehensive income includes changes in the benefit obligations and plan assets for postretirement benefit plans and unrealized gains or losses on available for sale securities. Business Segments The Company operates in two reportable business segments through the Bank: community banking and marine lending. The Company’s business segments are determined based on the products and services provided, as well as the nature of the related business activities, and they reflect the manner in which financial information is regularly reviewed for the purpose of allocating resources and evaluating performance of the Company’s businesses. The results for these business segments are based on management’s accounting process, which assigns income statement items and assets to each operating segment. Given the Company's reportable segments are contained within the Bank, management must make certain allocations of expenses, which may not be representative of the costs expected to be incurred if the specific business segments operated as stand-alone entities. For additional information, refer to Note 27. “Business Segments.” Stock Repurchase Program On July 11, 2022, the Corporation renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2023. During 2022 , the Company purchased 4,442 shares of its Common Stock under its stock repurchase program at an average price of $ 34.79 . During 2021 , the Company purchased 4,749 shares of its Common Stock under its stock repurchase program at an average price of $ 31.26 . The maximum number of shares that may yet be purchased under the June 2022 plan as of December 31, 2022 are 148,969 . Recent Accounting Pronouncements During June 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration. The Company adopted ASU 2016-13 as of January 1, 2023 in accordance with the required implementation date. Transition adjustments during the first quarter of 2023, will include increases in the allowance for credit losses and the reserve for credit losses on unfunded commitments to extend credit as well as a reduction of total equity, net of taxes. This reduction of equity capital may, at the Bank's election, be phased-in over a three year period in accordance with regulatory guidelines. The final cumulative effect of the transition adjustments is still subject to completion by the Company but is estimated to reduce opening retained earnings on January 1, 2023 by a reasonable range of $ 1.5 million to $ 2.5 million.Subsequent to adoption, the Company will record adjustments to its allowances for credit losses through the provision for credit losses in the consolidated statements of income. The Company is utilizing a third-party model to tabulate its estimate of current expected credit losses, using a cohort methodology. In accordance with ASC 326, the Company has segmented its loan portfolio based on similar risk characteristics which included call report coding and various other factors. The Company primarily utilizes unemployment, inflation, as well as the consumer price index, and may also consider other factors to support its reasonable and supportable forecasting of current expected credit losses. To further adjust the allowance for credit losses for expected losses not already included within the quantitative component of the calculation, the Company may consider the following qualitative adjustment factors: economic conditions, problem loan trends, legal/regulatory environment, lending policy and procedures, credit admin and lending staff, loan review, nature, term and volume of the portfolio, collateral values and concentrations of credit. The Company’s CECL implementation process was overseen by the CFO and Controller and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience. During 2022, the Company calculated its current expected credit losses model in parallel to its incurred loss model in order to further refine the methodology and model. In addition, the Company engaged a third-party to perform a comprehensive model validation. 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.

Securities

Securities	12 Months Ended
	Dec. 31, 2022
Debt Securities, Available-for-Sale [Abstract]
Securities	NOTE 2. Securities Amortized costs and fair values of securities available for sale at December 31, 2022 and 2021 were as follows: Amortized Gross Gross Fair December 31, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 9,993 $ — $ ( 858 ) $ 9,135 Mortgage-backed securities 153,289 — ( 24,136 ) 129,153 Obligations of states and political subdivisions 7,027 2 ( 422 ) 6,607 Subordinated debt 4,750 — ( 489 ) 4,261 $ 175,059 $ 2 $ ( 25,905 ) $ 149,156 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 Carrying amounts of restricted securities at December 31, 2022 and 2021 were as follows: December 31, 2022 December 31, 2021 (in thousands) Federal Reserve Bank Stock $ 944 $ 344 Federal Home Loan Bank Stock 8,149 565 Community Bankers’ Bank Stock 140 140 $ 9,233 $ 1,049 The amortized cost and fair value of securities available for sale at December 31, 2022, by contractual maturity, are shown below. Maturities may differ from contractual maturities primarily (others could be called) in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties. Amortized Cost Fair Value (in thousands) Due in one year or less $ 837 $ 833 Due after one year through five years 4,958 4,635 Due after five years through ten years 24,091 21,772 Due after ten years 145,173 121,916 $ 175,059 $ 149,156 During the twelve months ended December 31, 2022, the Company sold $ 15.4 million in available for sale securities with gross gains of $ 6 thousand and gross losses of $ 743 . During the twelve months ended December 31, 2021 , the Company sold $ 15.9 million in available for sale securities with gross gains of $ 143 thousand and gross losses of $ 119 . 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 unrealized loss position, at December 31, 2022 and 2021 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross December 31, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 6,140 $ 543 $ 2,994 $ 315 $ 9,134 $ 858 Mortgage-backed securities 31,771 4,052 97,382 20,084 129,153 24,136 Obligations of states and political subdivisions 6,065 422 — — 6,065 422 Subordinated debt 2,431 319 1,080 170 3,511 489 $ 46,407 $ 5,336 $ 101,456 $ 20,569 $ 147,863 $ 25,905 Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross 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 four (104) and forty one (41) debt securities at December 31, 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. 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. 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 December 31, 2022 and December 31, 2021 was changes in market interest rates. Since the losses can be primarily attributed to changes in market interest rates and not expected cash flows or an issuer’s financial condition, the unrealized losses are deemed to be temporary and management does not intend to sell and it is unlikely that management will be required to sell the securities prior to their anticipated recovery. The Company monitors the financial condition of these issuers continuously and will record other-than-temporary impairment if the recovery of value is unlikely. Securities having a carrying value of $ 13.3 million at December 31, 2022 were pledged as security for trust accounts.

Loans

Loans	12 Months Ended
	Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]
Loans	NOTE 3. Loans The composition of loans at December 31, 2022 and 2021 was as follows: December 31, 2022 2021 (in thousands) Mortgage loans on real estate: Construction and land development $ 73,667 $ 71,191 Secured by farmland 15,984 13,710 Secured by 1-4 family residential properties 301,758 263,723 Multifamily 39,806 29,093 Commercial 507,635 377,051 Commercial and industrial loans 247,659 143,378 Consumer installment loans 117,110 67,281 All other loans 12,721 16,798 Total loans $ 1,316,340 $ 982,225 Net deferred loan costs and premiums 7,443 3,495 Allowance for loan losses ( 11,218 ) ( 8,787 ) $ 1,312,565 $ 976,933 At December 31, 2022 , the Company was servicing $ 231.7 million of marine loans for other financial institutions which are not inlcuded in the table above. Also excluded from the table above are net servicing assets of $ 684 thousand at December 31, 2022 , which are recorded in other assets in the Consolidated Balance Sheets.

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Allowance for Loan Losses	NOTE 4. Allowance for Loan Losses Changes in the allowance for loan losses for the years ended December 31, 2022 and 2021 were as follows: December 31, 2022 2021 (in thousands) Balance, beginning $ 8,787 $ 7,096 Provision charged to operating expense 1,830 1,483 Recoveries added to the allowance 1,260 318 Loan losses charged to the allowance ( 659 ) ( 110 ) Balance, ending $ 11,218 $ 8,787 Nonaccrual and past due loans by class at December 31, 2022 and December 31, 2021 were as follows: December 31, 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 $ 15 $ — $ 73 $ 88 $ 247,571 $ 247,659 $ — $ 73 Commercial Real Estate: Owner Occupied — — — — 232,115 232,115 — — Non-owner occupied — — — — 275,520 275,520 — 1,356 Construction and Farmland: Residential — — — — 11,256 11,256 — 21 Commercial — — 101 101 78,294 78,395 — 376 Consumer: Installment 56 — 146 202 116,908 117,110 146 — Residential: Equity Lines 149 — — 149 43,439 43,588 — 155 Single family 222 — 211 433 257,737 258,170 172 181 Multifamily — — — — 39,806 39,806 — — All Other Loans — — — — 12,721 12,721 — — Total $ 442 $ — $ 531 $ 973 $ 1,315,367 $ 1,316,340 $ 318 $ 2,162 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 as of and for the years ended December 31, 2022 and December 31, 2021 were as follows: December 31, 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 — ( 9 ) — ( 300 ) ( 79 ) ( 271 ) — ( 659 ) Recoveries 9 888 197 109 44 13 — 1,260 Provision ( 89 ) ( 782 ) 262 1,471 529 439 — 1,830 Ending balance $ 2,714 $ 1,847 $ 2,109 $ 2,936 $ 1,140 $ 472 $ — $ 11,218 Ending balance: Individually evaluated for impairment $ — $ 27 $ — $ 73 $ — $ — $ — $ 100 Ending balance: collectively evaluated for impairment $ 2,714 $ 1,820 $ 2,109 $ 2,863 $ 1,140 $ 472 $ — $ 11,118 Loans: Ending balance $ 89,651 $ 341,564 $ 507,635 $ 247,659 $ 117,110 $ 12,721 $ — $ 1,316,340 Ending balance individually evaluated for impairment $ 1,044 $ 3,719 $ 1,695 $ 141 $ 22 $ — $ — $ 6,621 Ending balance collectively evaluated for impairment $ 88,607 $ 337,845 $ 505,940 $ 247,518 $ 117,088 $ 12,721 $ — $ 1,309,719 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 at December 31, 2022 and December 31, 2021 were as follows: As of December 31, 2022 (in thousands) Unpaid Recorded Related Average Interest With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 81 $ 68 $ — $ 89 $ 5 Commercial Real Estate: Owner Occupied 205 200 — 207 11 Non-owner occupied 1,755 1,495 — 1,499 9 Construction and Farmland: Residential 22 21 — 157 4 Commercial 1,045 1,026 — 1,045 13 Consumer: Installment 24 22 — 25 2 Residential Equity lines 159 155 — 157 5 Single family 3,161 3,060 — 3,115 111 Multifamily — — — — — Other Loans — — — — — $ 6,452 $ 6,047 $ — $ 6,294 $ 159 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ 77 $ 73 $ 73 $ 73 $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 516 516 27 527 21 Multifamily — — — — — Other Loans — — — — — $ 593 $ 589 $ 100 $ 600 $ 21 Total: Commercial $ 158 $ 141 $ 73 $ 162 $ 5 Commercial Real Estate 1,960 1,695 — 1,706 20 Construction and Farmland 1,067 1,047 — 1,202 17 Consumer 24 22 — 25 2 Residential 3,836 3,731 27 3,799 137 Other — — — — — Total $ 7,045 $ 6,636 $ 100 $ 6,894 $ 180 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. 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, and any partial charge-offs. 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. 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 December 31, 2022 and December 31, 2021 was as follows: As of December 31, 2022 (in thousands) INTERNAL RISK RATING GRADES Pass Special Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 247,061 $ 526 $ 72 $ — $ — $ 247,659 Commercial Real Estate: Owner Occupied 212,074 20,020 21 — — 232,115 Non-owner occupied 257,625 16,189 1,706 — — 275,520 Construction and Farmland: Residential 11,235 — 21 — — 11,256 Commercial 69,427 153 8,815 — — 78,395 Residential: Equity Lines 43,124 310 154 — — 43,588 Single family 251,247 5,972 951 — — 258,170 Multifamily 39,806 — — — — 39,806 All other loans 12,721 — — — — 12,721 Total $ 1,144,320 $ 43,170 $ 11,740 $ — $ — $ 1,199,230 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 116,908 $ 202 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 Farmland: 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	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Troubled Debt Restructurings	NOTE 5. Troubled Debt Restructurings All loans deemed a troubled debt restructuring, or “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 Bank 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). • The borrower receives a reduction of the accrued interest. There were twenty eight ( 28 ) troubled debt restructured loans totaling $ 4.6 million at December 31, 2022. At December 31, 2021 , there were seventeen ( 17 ) troubled debt restructured loans totaling $ 2.7 million. Two loans, totaling $ 133 thousand, were in nonaccrual status at December 31, 2022 . Two 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 December 31, 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 years ended December 31, 2022 and 2021: Twelve Months Ended December 31, 2022 (in thousands) Number of Pre-Modification Post-Modification 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 Single family 9 1,676 1,704 Total 13 $ 2,681 $ 2,710 Twelve Months Ended December 31, 2021 (in thousands) Number of Pre-Modification Post-Modification Consumer: Installment 2 $ 15 $ 15 Residential Single family 1 98 98 Total 3 $ 113 $ 113 During the twelve months ended December 31, 2022 , the Company restructured thirteen loans by granting a concession to the borrowers experiencing financial difficulty. The Company restructured one commercial real estate owner occupied loan by granting a refinance with new terms. The Company restructured one commercial real estate non-owner occupied loan with a twelve month renewal and rate change. The Company restructured one installment loan by granting a refinance with extended terms. The Company restructured one construction and farmland commercial loan by granting a refinance with new terms. The Company restructured nine residential single family loans by granting twelve month renewals and a rate change. During the twelve months ended December 31, 2021 , the Company restructured three loans by granting a concession to the borrower experiencing financial difficulty. The Company restructured two consumer installment loans and one residential single-family loan. The Company restructured one single-family residential loan by granting a lower interest rate and extending the loan term. The Company restructured two consumer installment loans by granting a refinance to extended the term of the loans, where one consumer installment loan was granted a lower interest rate. There were no TDRs occurring within the previous 12 months for which there was a payment default during the twelve months ended December 31, 2022 and 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.

Bank Premises and Equipment, Ne

Bank Premises and Equipment, Net	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Bank Premises and Equipment, Net	NOTE 6. Bank Premises and Equipment, Net The major classes of bank premises and equipment and the total accumulated depreciation at December 31, 2022 and 2021 were as follows: December 31, 2022 2021 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 18,649 18,561 Furniture and equipment 9,345 8,815 $ 34,638 $ 34,020 Less accumulated depreciation 16,574 15,771 Bank premises and equipment, net $ 18,064 $ 18,249 Depreciation expense on buildings and improvements was $ 486 thousand and $ 482 thousand for the years ended 2022 and 2021 , respectively. Depreciation expense on furniture and equipment was $ 493 thousand and $ 514 thousand for the years ended 2022 and 2021 , respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	NOTE 7. Deposits The composition of deposits at December 31, 2022 and December 31, 2021 was as follows: December 31, 2022 December 31, 2021 (in thousands) Noninterest bearing demand deposits $ 478,750 $ 470,355 Savings and interest bearing demand deposits: NOW accounts $ 167,197 $ 162,690 Money market accounts 220,498 251,862 Regular savings accounts 239,736 168,744 $ 627,431 $ 583,296 Time deposits: Balances of less than $250,000 $ 87,531 $ 58,427 Balances of $250,000 or greater 70,363 65,157 $ 157,894 $ 123,584 $ 1,264,075 $ 1,177,235 Savings and interest bearing demand deposits included $ 59.5 million and $ 42.2 million in reciprocal deposits at December 31, 2022 and 2021, respectively. Time deposits with balances of less than $250,000 includ e $ 4.6 million and zero in brokered certificates of deposit at December 31, 2022 and 2021, respectively. The outstanding balance of time deposits at December 31, 2022 was due as follows: December 31, 2022 (in thousands) 2023 $ 135,595 2024 13,408 2025 2,333 2026 3,628 2027 2,191 Thereafter 739 $ 157,894 Deposit overdrafts reclassified as loans totaled $ 218 thousand and $ 231 thousand at December 31, 2022 and 2021 , respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2022
Advance from Federal Home Loan Bank [Abstract]
Borrowings	NOTE 8. Borrowings The Company, through its subsidiary bank, borrows funds in the form of federal funds purchased and Federal Home Loan Bank of Atlanta ("FHLB") advances. Federal fund lines of credit are extended to the Bank by nonaffiliated banks with which a correspondent banking relationship exists. The line of credit amount is determined by the creditworthiness of the Bank and, in particular, its regulatory capital ratios, which are discussed in Note 15. Federal funds purchased generally mature each business day. The following table summarizes information related to federal funds purchased for the years ended December 31, 2022 and 2021: December 31, 2022 2021 (dollars in thousands) Balance at year-end $ 32,980 $ — Average balance during the year 7,881 1 Average interest rate during the year 2.16 % 0.66 % Maximum month-end balance during the year $ 32,980 $ — Gross lines of credit at year-end 78,000 78,000 Unused lines of credit at year-end 78,000 78,000 As of December 31, 2022 , Company had remaining credit availability in the amount of $ 105.7 million with the FHLB. This line may be utilized for short and/or long-term borrowing. Advances on the line are secured by all of the Company’s eligible first lien residential real estate loans on one-to-four-unit, single-family dwellings; multi-family dwellings; home equity lines of credit; and commercial real estate loans. The amount of the available credit is limited to a percentage of the estimated market value of the loans as determined periodically by the FHLB. The amount of the available credit is also limited to 20 % of total Bank assets. The Company had $ 175.0 million in short-term borrowings with the FHLB at December 31, 2022 . The interest rates on the four short-term borrowings with the FHLB ranged from 3.79 % to 4.57 %, with a weighted average rate of 4.17 %. The Company had no long-term borrowings with the FHLB at December 31, 2022 . The Company had no outstanding borrowings with the FHLB at December 31, 2021 . The Company had a $ 60.0 million irrevocable letter of credit at December 31, 2022 with the FHLB to secure public deposits.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	NOTE 9. Income Taxes The Company files income tax returns with the United States of America, the Commonwealth of Virginia and West Virginia. With few exceptions, the Company is no longer subject to federal, state, or local income tax examinations for years prior to 2019. The net deferred tax asset at December 31, 2022 and 2021 consisted of the following components: December 31, 2022 2021 (in thousands) Deferred tax assets: Allowance for loan losses $ 2,356 $ 1,845 Share-based compensation 222 136 Accrued postretirement benefits 21 21 Home equity origination costs 81 67 Nonaccrual interest 48 65 Lease liabilities 1,045 1,110 Credit carryforward 648 973 Securities available for sale 5,440 46 Other 26 27 $ 9,887 $ 4,290 Deferred tax liabilities: Property and equipment $ 710 $ 659 Right-of-use assets 1,001 1,079 Loan servicing rights 144 — $ 1,855 $ 1,738 Net deferred tax asset $ 8,032 $ 2,552 The Company has not recorded a valuation allowance for deferred tax assets because management believes that it is more likely than not that they will be ultimately realized. Income tax expense for the years ended December 31, 2022 and 2021 consisted of the following components: December 31, 2022 2021 (in thousands) Current tax expense $ 3,236 $ 3,203 Deferred tax (benefit) ( 86 ) ( 1,437 ) $ 3,150 $ 1,766 The following table reconciles income tax expense to the statutory federal corporate income tax amount, which was calculated by applying the federal corporate income tax rate to pre-tax income for the years ended December 31, 2022 and 2021. December 31, 2022 2021 (in thousands) Statutory federal corporate tax amount $ 3,711 $ 2,685 Tax-exempt interest (income) ( 81 ) ( 135 ) Officer insurance (income) ( 131 ) ( 102 ) Net tax credits ( 353 ) ( 686 ) Other, net 4 4 $ 3,150 $ 1,766 The effective tax rates were 17.83 % and 13.81 % for years ended December 31, 2022 and 2021 , respectively. The effective tax rates were impacted by tax credits on qualified affordable housing project investments as discussed in Note 25 to the Consolidated Financial Statements as well as qualified rehabilitation credits.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Stock-Based Compensation	NOTE 10. Stock-Based Compensation 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. Outside directors are periodically granted restricted shares which vest over a period of less than nine months. During 2022 , executive officers were granted restricted shares which vest over a three year service period and restricted shares which vest based on meeting performance measures over a one year period. Beginning in 2018, certain non-executive officers also were granted restricted shares which vest over a three year service period. Vesting schedules were unchanged from the two prior years. The following table presents the activity for Restricted Stock for the years ended December 31, 2022 and 2021: Twelve Months Ended December 31, 2022 2021 Shares Weighted Shares Weighted Nonvested, beginning of period 31,738 $ 30.70 20,928 $ 29.98 Granted 31,648 35.19 32,496 31.16 Vested ( 23,079 ) 32.11 ( 21,261 ) 30.70 Forfeited ( 1,527 ) 32.13 ( 425 ) 31.05 Nonvested, end of period 38,780 $ 33.47 31,738 $ 30.70 The Company recognizes compensation expense over the vesting period based on the fair value of the Company's stock on the grant date. Compensation expense was $ 1.0 million and $ 850 thousand during December 31, 2022 and 2021 , respectively. The total grant date fair value of Restricted Stock which vested was $ 741 thousand and $ 653 thousand for the years ended December 31, 2022 and 2021 , respectively. The total vest date fair value of Restricted Stock which vested was $ 819 thousand and $ 690 thousand for the years ended December 31, 2022 and 2021 , respectively. Unrecognized compensation cost related to unvested Restricted Stock was $ 377 thousand at December 31, 2022 . This amount is expected to be recognized over a weighted average period of two years . The Company's policy is to recognize forfeitures as they occur.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2022
Retirement Benefits [Abstract]
Employee Benefits	NOTE 11. Employee Benefits The Company has an Employee Stock Ownership Plan ("ESOP") to provide additional retirement benefits to substantially all employees. Contributions can be made to the Bank of Clarke Employee Retirement Trust to be used to purchase the Company’s common stock. There were no contributions in 2022 and 2021. The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of salary on a pretax basis, subject to certain IRS limits. The Company matches 50 percent of employee contributions, on a maximum of six percent of salary deferred, with Company common stock or cash, as elected by each employee. The shares for this purpose are provided principally by newly issued shares. The 401(k) plan includes a non-elective safe-harbor employer contribution and an age-weighted employer contribution. Each year, qualifying employees will receive a non-elective safe-harbor contribution equal to three percent of their salary for that year. Qualifying employees will receive an additional contribution based on their age and years of service. The percentage of salary for the age-weighted contribution increases on both factors, age and years of service, with a minimum of one percent of salary and a maximum of ten percent of salary. Contributions under the plan amounted to $ 1.9 million in 2022 and $ 1.5 million in 2021. The Company has established an Executive Supplemental Income Plan for certain key employees. Benefits are to be paid in monthly installments following retirement or death. The agreement provides that if employment is terminated for reasons other than death or disability prior to age 65 , the amount of benefits could be reduced or forfeited. The executive supplemental income benefit liability was $ 8 thousand and $ 15 thousand at December 31, 2022 and 2021 , respectively. The executive supplemental income benefit expense, based on the present value of the retirement benefits, was $ 29 thousand in 2022 and $ 29 thousand in 2021 . The plan is unfunded; however, life insurance has been acquired on the lives of these employees in amounts sufficient to discharge the plan’s obligations.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	NOTE 12. Commitments and Contingencies In the normal course of business, the Company makes various commitments and incurs certain contingent liabilities, which are not reflected in the accompanying financial statements. These commitments and contingent liabilities include various guarantees, commitments to extend credit and standby letters of credit. The Company does not anticipate any material losses as a result of these commitments. During the normal course of business, various legal claims arise from time to time which, in the opinion of management, will have no material effect on the Company’s consolidated financial statements. The Bank was required to maintain a total compensating balance on deposit with two correspondent banks in the amount of $ 250 thousand at December 31, 2022 and 2021. See Note 18 with respect to financial instruments with off-balance-sheet risk.

Leases

Leases	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Leases	NOTE 13. Leases The Company leases certain office properties and equipment used in its operations in the normal course of business. Leases greater than 12 months in duration are recorded in the consolidated balance sheets at the lease commencement date and are classified as either operating or finance leases based on the Company's assessment of the underlying agreement. 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 for office properties are all 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. These lease agreements do not provide for residual value guarantees and have no restrictions or covenants that would impact dividends or require incurring additional financial obligations. Right-of-use assets and leases liabilities are included in other assets and other liabilities, respectively, in the Consolidated Balance Sheets. The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2022 December 31, 2021 Lease liability $ 4,978 $ 5,289 Right-of-use asset $ 4,766 $ 5,139 Weighted average remaining lease term 14 years 15 years Weighted average discount term 3.04 % 2.99 % Twelve Months Ended Lease Cost December 31, 2022 December 31, 2021 Operating lease cost $ 528 $ 376 Variable lease cost — — Short-term lease cost 15 19 Total lease cost $ 543 $ 395 Cash paid for amounts included in the measurement of lease liabilities $ 466 $ 314 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 December 31, 2022 Twelve months ending December 31, 2023 $ 473 Twelve months ending December 31, 2024 480 Twelve months ending December 31, 2025 504 Twelve months ending December 31, 2026 397 Twelve months ending December 31, 2027 391 Thereafter 4,149 Total undiscounted cash flows $ 6,394 Discount ( 1,416 ) Lease liability $ 4,978

Transactions with Directors and

Transactions with Directors and Officers	12 Months Ended
	Dec. 31, 2022
Related Party Transactions [Abstract]
Transactions with Directors and Officers	NOTE 14. Transactions with Directors and Officers The Bank grants loans to and accepts deposits from its directors, principal officers and related parties of such persons during the ordinary course of business. The aggregate balance of loans to directors, principal officers and their related parties was $ 5.1 million and $ 5.4 million at December 31, 2022 and 2021 , respectively. These balances reflect total principal additions of $ 418 thous and and total principal payments of $ 713 thousand, during 2022 . The reduction in the prior year balance was due to a change in composition of related parties. The aggregate balance of deposits from directors, principal officers and their related parties was $ 11.1 million and $ 13.9 million at December 31, 2022 and 2021 , respectively.

Capital Requirements

Capital Requirements	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Capital Requirements	NOTE 15. Capital Requirements The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. In 2019, the federal banking agencies jointly issued a final rule that provides for an optional, simplified measure of capital adequacy, the Community Bank Leverage Ratio framework (CBLR), for qualifying community banking organizations, consistent with Section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule became effective on January 1, 2020. The CBLR removes the requirement for qualifying banking organizations to calculate and report risk-based capital but rather only requires a Tier 1 to average assets (leverage) ratio. Qualifying banking organizations that elect to use the CBLR and that maintain a leverage ratio of greater than the required minimum will be considered to have satisfied the generally applicable risk-based and leverage capital requirements in the agencies’ capital rules and, if applicable, will be considered to have met the well-capitalized ratio requirements for purposes of section 38 of the Federal Deposit Insurance Act. Under the regulatory capital rules, an institution electing to use the CBLR must maintain a minimum leverage ratio of 9 %. Qualifying institutions are allowed a two-quarter grace period to correct a ratio that falls below the required amount, provided the institution maintains a ratio of more than 8 %. At December 31, 2022, the Bank was a qualifying institution and elected to utilize the CBLR to measure capital adequacy. As such, the related amounts and ratios for December 31, 2022, are presented below using the CLBR. As the Bank did not elect to utilize the CBLR at December 31, 2021, the amounts and ratios are presented using the risk-based capital framework. At December 31, 2022, and 2021, Management believes the Bank met all capital adequacy requirements to which it was subject. Additionally, at December 31, 2022, the most recent notification from the Federal Reserve categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since the notification that management believes have changed the Bank’s category. The following table presents the Bank’s actual capital amounts and ratios at December 31, 2022 and 2021: Actual Minimum Capital Minimum To Be Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2022 Tier 1 Capital to Average Assets $ 143,214 9.19 % n/a n/a $ 140,210 9.00 % December 31, 2021 Common Equity Tier 1 Capital to Risk Weighted Assets $ 107,570 10.44 % $ 46,362 4.50 % $ 66,967 6.50 % Total Capital to Risk Weighted Assets 116,420 11.30 % 82,421 8.00 % 103,026 10.00 % Tier 1 Capital to Risk Weighted Assets 107,570 10.44 % 61,816 6.00 % 82,421 8.00 % Tier 1 Capital to Average Assets 107,570 8.84 % 48,654 4.00 % 60,817 5.00 %

Restrictions On Dividends, Loan

Restrictions On Dividends, Loans, and Advances	12 Months Ended
	Dec. 31, 2022
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Restrictions On Dividends, Loans and Advances	NOTE 16. Restrictions On Dividends, Loans and Advances Federal and state banking regulations place certain restrictions on dividends paid and loans or advances made by the Bank to the Company. The total amount of dividends which may be paid at any date is generally limited to the lesser of the Bank’s retained earnings or the three preceding years’ undistributed net income of the Bank. Loans or advances are limited to 10% of the Bank’s capital stock and surplus on a secured basis. Capital stock and surplus is defined as tier 1 and tier 2 capital under the risk-based capital guidelines. In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements. At December 31, 2022 , the Bank’s retained earnings available for the payment of dividends to the Company was $ 32.4 million. Accordingly, $ 90.3 million of the Company’s equity in the net assets of the Bank was restricted at December 31, 2022 . Funds available for loans or advances by the Bank to the Company amounted to $ 15.4 million at December 31, 2022 .

Dividend Investment Plan

Dividend Investment Plan	12 Months Ended
	Dec. 31, 2022
Dividend Investment Plan [Abstract]
Dividend Investment Plan	NOTE 17. Dividend Investment Plan The Company has a Dividend Investment Plan, which allows participants’ dividends to purchase additional shares of common stock at its fair market value on each dividend record date. Shares of common stock purchased through the Plan can be purchased at a price equal to the market price of the shares. No changes have been made to the operation of the dividend reinvestment features of the Plan during 2022 and 2021.

Financial Instruments with Off-

Financial Instruments with Off-Balance-Sheet Risk	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Financial Instruments with Off-Balance-Sheet Risk	NOTE 18. Financial Instruments with Off-Balance-Sheet Risk The Company, through its subsidiary bank, is a party to credit related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unfunded commitments under lines of credit, and commercial and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments. At December 31, 2022 and 2021, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2022 December 31, 2021 (dollars in thousands) Commitments to extend credit $ 27,927 $ 21,886 Unfunded commitments under lines of credit 191,259 171,406 Commercial and standby letters of credit 7,069 10,397 Commitments to extend credit are agreements to lend to a customer as long as the terms offered are acceptable and certain other conditions are met. Commitments generally have fixed expiration dates or other termination clauses. Since these commitments may expire or terminate, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, with regards to these commitments, is based on management’s credit evaluation of the customer. Unfunded commitments under lines of credit are contracts for possible future extensions of credit to existing customers. Unfunded commitments under lines of credit include, but are not limited to, home equity lines of credit, overdraft protection lines of credit, credit cards, and unsecured and secured commercial lines of credit. The terms and conditions of these commitments vary depending on the line of credit’s purpose, collateral, and maturity. The amount disclosed above represents total unused lines of credit for which a contract with the Bank has been established. Commercial and standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. These letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in granting loans to customers. The Bank holds collateral supporting these commitments if it is deemed necessary. At December 31, 2022 , $ 6.9 million of the outstanding letters of credit were collateralized. The Bank has cash accounts in other commercial banks. The amount on deposit in these banks at December 31, 2022 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $ 11.0 million.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2022
Revenue from Contract with Customer [Abstract]
Revenue Recognition	NOTE 19. Revenue Recognition Substantially all of the Company's revenue from contracts with customers that is within the scope of ASC 606, "Revenue from Contracts with Customers" is reported within noninterest income. A limited amount of other in-scope items such as gains and losses on other real estate owned are recorded in noninterest expense. The recognition of interest income and certain sources of noninterest income (e.g. gains on securities transactions, bank owned life insurance income, etc.) are governed by other areas of U.S. GAAP. Significant revenue streams that are within the scope of ASC 606 and included in noninterest income are discussed in the following paragraphs. Income from Fiduciary Activities Trust asset management fee income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to customers’ accounts. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Service Charges on Deposit Accounts Service charges on deposit accounts are principally comprised of overdrawn account fees, account maintenance charges and other activity based fees. The Company’s performance obligations on revenue generated from deposit accounts are generally satisfied immediately, when the transaction occurs, or by month-end. Typically, the duration of a contract does not extend beyond the services performed. Due to the short duration of most customer contracts which generate these sources of noninterest income, no significant judgments must be made in the determination of the amount and timing of revenue recognized. Other Service Charges and Fees The majority of the Company’s noninterest income is derived from short term contracts associated with services provided for other ancillary services such as ATM fees, brokerage commissions, secondary market fees and loan servicing fees. The Company’s performance obligations on revenue generated from these ancillary services are generally satisfied immediately, when the transaction occurs, or by month-end. Typically, the duration of a contract does not extend beyond the services performed. Due to the short duration of most customer contracts which generate these sources of noninterest income, no significant judgments must be made in the determination of the amount and timing of revenue recognized. The Company earns interchange fees from credit cardholder transactions conducted through the Visa payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized no less than monthly. Noninterest income disaggregated by major source, for the years ended December 31, 2022 and 2021 consisted of the following: December 31, 2022 December 31, 2021 (dollar in thousands) Noninterest income: Wealth management fees(1): Trust asset management fees $ 3,095 $ 1,891 Brokerage commissions 1,054 1,164 Service charges on deposit accounts(1): Overdrawn account fees 1,194 853 Monthly and other service charges 424 382 Other service charges and fees: Interchange fees (1) 366 227 ATM fees (1) 3,103 3,014 Secondary market fees 3 236 Other charges and fees (2) 471 463 (Loss) on the sale and disposal of bank premises and equipment (1) ( 11 ) — (Loss) gain on sale of securities ( 737 ) 24 Gain on sale of loans 1,875 1,658 Bank owned life insurance income 626 527 Other operating income (3) 1,882 881 Total noninterest income $ 13,345 $ 11,320 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $309 thousand and $337 thousand for the years ended December 31, 2022 and 2021 , respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $1.2 million and $834 thousand for the years ended December 31, 2022 and 2021 , respectively. The remaining balance is outside the scope of Topic 606. Contract Balances The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of December 31, 2022 and December 31, 2021 , the Company did not have any significant contract balances.

Quarterly Condensed Statements

Quarterly Condensed Statements of Income	12 Months Ended
	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Quarterly Condensed Statements of Income	NOTE 20. Quarterly Condensed Statements of Income - Unaudited The Company’s quarterly net income, net income per common share and dividends per common share during 2022 and 2021 are summarized as follows: 2022 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 11,509 $ 12,647 $ 14,366 $ 16,164 Net interest income after provision for loan losses 10,599 11,559 12,899 12,326 Noninterest income 3,243 3,849 3,164 3,089 Noninterest expenses 9,923 10,528 11,058 11,548 Income before income taxes 3,919 4,880 5,005 3,867 Net income 3,250 3,992 4,082 3,197 Net income per common share, basic 0.94 1.14 1.17 0.92 Net income per common share, diluted 0.94 1.14 1.17 0.92 Dividends per common share 0.28 0.28 0.29 0.30 2021 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 10,016 $ 10,413 $ 10,782 $ 11,465 Net interest income after provision for loan losses 8,930 9,695 10,099 10,792 Noninterest income 2,427 2,650 2,881 3,362 Noninterest expenses 7,916 8,727 9,523 11,883 Income before income taxes 3,441 3,618 3,457 2,271 Net income 2,862 3,003 2,873 2,283 Net income per common share, basic 0.84 0.87 0.83 0.66 Net income per common share, diluted 0.84 0.87 0.83 0.66 Dividends per common share 0.27 0.27 0.28 0.28

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value Measurements	NOTE 21. 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 certain 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 in an orderly transaction between market participants as of 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 sections provide 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 December 31, 2022 and December 31, 2021: Fair Value Measurements at December 31, 2022 Using Balance as of Quoted Prices Significant Significant December 31, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 9,135 $ — $ 9,135 $ — Mortgage-backed securities 129,153 — 129,153 — Obligations of states and political subdivisions 6,607 — 6,607 — Subordinated debt 4,261 — 4,261 — Derivative: Interest rate swaps on loans 1,017 — 1,017 — Total assets at fair value $ 150,173 $ — $ 150,173 $ — Liabilities: Interest rate swaps on loans $ 1,017 $ 1,017 $ — Total liabilities at fair value $ 1,017 $ — $ 1,017 $ — Fair Value Measurements at December 31, 2021 Using 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 swaps on loans 58 — 58 — Total assets at fair value $ 192,379 $ — $ 192,379 $ — Liabilities: Interest rate swaps on loans $ 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: 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 the lower of its cost or 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 component in its valuation follows the provisions of GAAP. The Company had a a balance of $ 108 thousand in other real estate owned at December 31, 2022. Loans Held for Sale: Loans held for sale are carried at the lower of cost or fair value. These loans consisted of one-to-four family residential loans originated for sale in the secondary market at December 31, 2022. Fair value is based on prices the secondary markets are currently offering for similar loans using observable market data or specific loan level investor commitments. The Company records any fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the years ended December 31, 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 for December 31, 2022 and December 31, 2021: Quantitative information about Level 3 Fair Value Measurements December 31, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Present value of cash flows Discount rate 4 % - 5 % 4 % Other real estate owned Discounted contract price Discount for selling costs 6 % 6 % December 31, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average Assets: Impaired loans Discounted appraised value Selling cost 12 % 12 % Impaired loans Present value of cash flows Discount rate 4 % - 6 % 5 % (1) Weighted based on the relative fair values of the specific items measured at fair value . The following table summarizes the Company’s financial and nonfinancial assets that were measured at fair value on a nonrecurring basis at December 31, 2022 and December 31, 2021: Carrying value at December 31, 2022 Balance as of Quoted Prices in Significant Other Significant December 31, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 489 $ — $ — $ 489 Nonfinancial Assets: Other real estate owned 108 — 108 — Carrying value at December 31, 2021 Balance as of Quoted Prices in Significant Other Significant December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 746 $ — $ — $ 746 The carrying amount and fair value of the Company’s financial instruments at December 31, 2022 and 2021 were as follows: Fair Value Measurements at December 31, 2022 Using Carrying Quoted Significant Significant Fair Value December 31, 2022 (Level 1) (Level 2) (Level 3) December 31, 2022 (in thousands) Financial Assets: Cash and short-term investments $ 66,894 $ 66,894 $ — $ — $ 66,894 Securities 149,156 — 149,156 — 149,156 Restricted Investments 9,233 — 9,233 — 9,233 Loans held for sale 153 — 153 — 153 Loans, net 1,312,565 — — 1,260,149 1,260,149 Bank owned life insurance 23,862 — 23,862 — 23,862 Accrued interest receivable 3,902 — 3,902 — 3,902 Interest rate swap 1,017 — 1,017 — 1,017 Financial Liabilities: Deposits $ 1,264,075 $ — $ 1,262,859 $ — $ 1,262,859 Federal funds purchased 32,980 — 32,980 — 32,980 Federal Home Loan Bank advances 175,000 — 174,705 — 174,705 Subordinated debt 29,377 — 26,101 — 26,101 Accrued interest payable 926 — 926 — 926 Interest rate swap 1,017 — 1,017 — 1,017 Fair Value Measurements at December 31, 2021 Using Carrying 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 The Company assumes interest rate risk (the risk that general interest rate levels will change) during its normal operations. As a result, the fair value of the Company’s financial instruments will change when interest rate levels change and that change may be either favorable or unfavorable to the Company. Management attempts to match maturities of assets and liabilities in order to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to prepay their principal balance in a rising rate environment and more likely to do so in a falling rate environment. Conversely, depositors who are receiving fixed rate interest payments are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by adjusting the terms of new loans and deposits and by investing in securities with terms that mitigate the Company’s overall interest rate risk.

Change in Accumulated Other Com

Change in Accumulated Other Comprehensive (Loss)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Change in Accumulated Other Comprehensive Income (Loss)	NOTE 22. Change in Accumulated Other Comprehensive (Loss) Accumulated other comprehensive (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 (loss) are presented net of tax as a component of equity. Reclassifications out of accumulated other comprehensive (loss) are recorded in the Consolidated Statements of Income either as a gain or loss. Changes to accumulated other comprehensive (loss) by components are shown in the following tables for the years ended December 31, 2022 and 2021: Twelve Months Ended December 31, 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 ( 26,422 ) — ( 26,422 ) ( 4,322 ) — ( 4,322 ) Reclassifications from other comprehensive (loss) 737 — 737 ( 24 ) — ( 24 ) Tax effect of current period changes 5,394 — 5,394 912 — 912 Current period changes net of taxes ( 20,291 ) — ( 20,291 ) ( 3,434 ) — ( 3,434 ) December 31 $ ( 20,465 ) $ 19 $ ( 20,446 ) $ ( 174 ) $ 19 $ ( 155 ) For the years ended December 31, 2022 and 2021 , ($ 737 ) thousand and $ 24 thousand, respectively, was reclassified out of accumulated other comprehensive (loss) and appeared as (Loss) gain on sale of securities in the Consolidated Statement of Income. The tax (benefit) expense related to these reclassifications was ($ 155 ) thousand and $ 5 thousand for the years ended December 31, 2022 and 2021 , respectively. The tax is included in Income Tax Expense in the Consolidated Statements of Income.

Condensed Financial Information

Condensed Financial Information - Parent Company Only	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Condensed Financial Information - Parent Company Only	NOTE 23. Condensed Financial Information – Parent Company Only EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Balance Sheets December 31, 2022 and 2021 (dollars in thousands) 2022 2021 Assets Cash held in subsidiary bank $ 8,222 $ 2,739 Investment in subsidiary 122,767 107,416 Other assets 455 125 Total assets $ 131,444 $ 110,280 Liabilities and Shareholders’ Equity Subordinated debt $ 29,377 $ — Other liabilities 338 — Total liabilities $ 29,715 $ — Shareholders’ Equity Common stock 8,629 8,556 Surplus 13,268 12,115 Retained earnings 100,278 89,764 Accumulated other comprehensive (loss) ( 20,446 ) ( 155 ) Total shareholders’ equity $ 101,729 $ 110,280 Total liabilities and shareholders’ equity $ 131,444 $ 110,280 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2022 and 2021 (dollars in thousands) 2022 2021 Income Dividends from subsidiary bank $ — $ 1,500 Interest and fees on loans — 64 Total income $ — $ 1,564 Expenses Interest expense on subordinated debt $ 1,067 $ — Other operating expenses 369 319 Total expenses $ 1,436 $ 319 (Loss) income before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ ( 1,436 ) $ 1,245 Income Tax (Benefit) ( 315 ) ( 31 ) (Loss) income before equity in undistributed earnings of subsidiary bank $ ( 1,121 ) $ 1,276 Equity in Undistributed Net Income of Subsidiary Bank 15,642 9,745 Net income $ 14,521 $ 11,021 Comprehensive (loss) income $ ( 5,770 ) $ 7,587 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2022 and 2021 (dollars in thousands) 2022 2021 Cash Flows from Operating Activities Net Income $ 14,521 $ 11,021 Adjustments to reconcile net income to net cash (used in) provided by operating activities Stock-based compensation expense 1,017 850 Provision for loan losses — ( 21 ) Undistributed earnings of subsidiary bank ( 15,642 ) ( 9,745 ) Amortization of debt issuance costs 51 — Changes in assets and liabilities: (Increase) decrease in other assets ( 330 ) 10 Increase in other liabilities 338 — Net cash (used in) provided by operating activities $ ( 45 ) $ 2,115 Cash Flows from Investing Activities Capital contribution to bank subsidiary $ ( 20,000 ) $ — Net decrease in loans — 2,953 Net cash (used in) provided by investing activities $ ( 20,000 ) $ 2,953 Cash Flows from Financing Activities Issuance of subordinated debt, net of issuance costs $ 29,326 $ — Cash dividends paid ( 3,808 ) ( 3,261 ) Issuance of common stock, employee benefit plan 164 179 Retirement of common stock ( 154 ) ( 149 ) Net cash provided by (used in) financing activities $ 25,528 $ ( 3,231 ) Increase in cash $ 5,483 $ 1,837 Cash Beginning $ 2,739 $ 902 Ending $ 8,222 $ 2,739

Other Real Estate Owned (Notes)

Other Real Estate Owned (Notes)	12 Months Ended
	Dec. 31, 2022
Real Estate [Abstract]
Real Estate Owned	NOTE 24. Other Real Estate Owned The following table is a summary of other real estate owned ("OREO") activity for the twelve months ended December 31, 2022 and 2021: Year Ended Year Ended December 31, December 31, 2022 2021 Balance, beginning $ — $ 607 Net loans transferred to OREO 108 266 Gain on foreclosure — — Sales — ( 781 ) Valuation adjustments — ( 92 ) Balance, ending $ 108 $ — The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2022 and 2021 were as follows: As of December 31, 2022 December 31, 2021 (in thousands) Construction and Farmland $ — $ — Residential Real Estate 108 — Commercial Real Estate — — Subtotal $ 108 $ — Less valuation allowance — — Total $ 108 $ — There were no loans in the process of foreclosure at December 31, 2022 and December 31, 2021 .

Qualified Affordable Housing Pr

Qualified Affordable Housing Project Investments	12 Months Ended
	Dec. 31, 2022
Federal Home Loan Banks [Abstract]
Qualified Affordable Housing Project Investments	NOTE 25. 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 December 31, 2022 and 2021 , the balance of the investments for qualified affordable housing projects was $ 2.3 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 zero and $ 11 thousand at December 31, 2022 and 2021, respectively. These balances are reflected in Other liabilities on the Consolidated Balance Sheets. During the twelve months ended December 31, 2022 and 2021 , the Company recognized amortization expense of $ 278 and $ 229 thousand. The amortization expense was included in Other operating expenses on the Consolidated Statements of Income. Total estimated credits to be received during 2022 are $ 359 thousand based on the most recent quarterly estimates received from the funds. Total tax credits and other tax benefits recognized during 2022 and 2021 were $ 353 thousand and $ 385 thousand, respectively.

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives	NOTE 26. Derivatives 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. December 31, 2022 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 23,141 $ 1,017 $ — Matched interest rate swaps with counterparty 23,141 — 1,017 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

Business Segments

Business Segments	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Summary of net interest income related to commercial and consumer marine loans and gains on sales of loans	NOTE 27. Business Segments The Company has two reportable operating segments: community banking and marine lending. Revenue from community banking operations consist primarily of net interest income related to investments in loan and securities and outstanding deposits and borrowings, fees earned on deposit accounts and debit card interchange activity. Revenue from marine lending operations consist primarily of net interest income related to commercial and consumer marine loans and gains on sales of loans. Financial information of the parent company and the Bank of Clarke Wealth Management Division is included in the "All Other" category. The parent company's revenue and expenses are comprised primarily of interest expense associated with subordinated debt. The wealth management division's net recenues are comprised primarily of income from offering wealth management services and insurance products through third-party service providers. Marine lending was identified as a newly reportable segment in 2022 and as such, the Company has included the prior period financial information for comparative purposes. The following table provides income and asset information as of and for the twelve months ended December 31, 2022 and 2021, which are included within the Consolidated Balance Sheets and Consolidated Statements of Income. Twelve Months Ended December 31, 2022 Community Banking Marine Lending All Other Eliminations Consolidated (in thousands) Interest Income $ 47,554 $ 7,132 $ — $ — $ 54,686 Interest Expense 3,826 580 1,067 — 5,473 Net Interest Income 43,728 6,552 ( 1,067 ) — 49,213 Gain on sales of loans 478 1,397 — — 1,875 Other noninterest income 7,222 99 4,149 — 11,470 Net Revenue 51,428 8,048 3,082 — 62,558 Provision for loan losses 1,059 771 — — 1,830 Noninterest expense 36,401 3,695 2,961 — 43,057 Income (loss) before taxes 13,968 3,582 121 — 17,671 Income tax expense (benefit) 2,343 794 13 — 3,150 Net Income (loss) $ 11,625 $ 2,788 $ 108 $ — $ 14,521 Other data: Capital expenditures $ 829 $ 9 $ — $ — $ 838 Depreciation and amortization 1,550 236 124 — 1,910 Twelve Months Ended December 31, 2021 Community Banking Marine Lending All Other Eliminations Consolidated (in thousands) Interest Income $ 40,003 $ 2,630 $ 43 $ — $ 42,676 Interest Expense 1,645 32 — — 1,677 Net Interest Income 38,358 2,598 43 — 40,999 Gain on sales of loans 636 1,022 — — 1,658 Other noninterest income 6,597 10 3,055 — 9,662 Net Revenue 45,591 3,630 3,098 — 52,319 Provision for loan losses 2,657 ( 1,153 ) ( 21 ) — 1,483 Noninterest expense 33,525 2,056 2,468 — 38,049 Income (loss) before taxes 9,409 2,727 651 — 12,787 Income tax expense (benefit) 1,034 573 159 — 1,766 Net Income (loss) $ 8,375 $ 2,154 $ 492 $ — $ 11,021 Other data: Capital expenditures $ 520 $ — $ — $ — $ 520 Depreciation and amortization 1,632 14 22 $ — 1,668 Community Banking Marine Lending All Other Eliminations Consolidated Total assets at December 31, 2022 $ 1,377,461 $ 237,595 $ 1,661 $ — $ 1,616,717 Total assets at December 31, 2021 1,190,471 110,726 1,841 — 1,303,038

Nature of Banking Activities _2

Nature of Banking Activities and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Principles of Consolidation	Principles of Consolidation The Company owns 100 % of 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. Wealth Management Assets
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods.
Securities	Securities Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Debt securities not classified as held to maturity are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Equity securities with readily determinable fair values are carried at fair value, with changes in fair value reported in income. Equity securities without readily determinable fair values are carried at cost, minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be “other than temporary” are reflected in earnings as realized losses. In estimating “other than temporary” impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company’s consolidated balance sheet as restricted investments.
Loans Held for Sale	Loans Held for Sale Mortgage loans originated with the intent to sell in the secondary market are classified as loans held for sale and carried at the lower of cost or fair value as determined by commitments from investors. Mortgage loans that are sold in the secondary market are sold servicing released. The Company may also classify other loans as loans held for sale as part of its ongoing portfolio management strategies. Such other loans are generally not originated with the intent to sell. Once a decision is made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of cost or fair value. In 2022 , the Company sold non-mortgage loans totaling approximately $ 156 million as part of its portfolio management strategies that were previously classified as held for investment. Gains and losses on sales of loans are recorded based on the differential between the sales proceeds and carrying value of the underlying loans.
Loans	Loans The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke, Frederick, Loudoun and Fairfax, Virginia as well as the Towns of Leesburg and Purcellville and the Cities of Winchester and Frederick, Maryland. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan fees collected and certain costs incurred related to loan originations are deferred and amortized as an adjustment to interest income over the life of the related loans. Deferred fees and costs are recorded as an adjustment to interest income using a method that approximates a constant yield. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 120 and 90 days delinquent, respectively, unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Troubled Debt Restructurings (TDR)	Troubled Debt Restructurings ("TDR") In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a TDR. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on non-accrual status at the time of the TDR, the loan will remain on non-accrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status as noted above.
Risks by Loan Portfolio Segments	Risks by Loan Portfolio Segments One-to-Four-Family Residential Real Estate Lending Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee. Commercial Real Estate Lending Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. Construction and Land Development Lending There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80 % of the estimated appraised value of the finished home. Commercial and Industrial Lending Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as accounts receivable, equipment, inventory and boats. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate. Consumer Lending Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. A portion of the Company’s consumer loans are also secured by boats. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation. Marine Lending The Bank’s marine lending unit, which includes originated retail loans, which are classified as commercial and industrial loans or consumer loans depending on borrower, and dealer floorplan loans, which are classified as commercial and industrial loans. The Company’s relationships are limited to well established dealers of global premium brand manufacturers. The Company’s top three manufacturer customers have been in business between 30 and 100 years. The Company primarily has secured agreements with premium manufacturers to support dealer floor plan loans which reduces the Company’s credit exposure to the dealer, despite its underwriting of each respective dealer. The Company has developed incentive retail pricing programs with the dealers to drive retail dealer flow. In addition to the repurchase agreements associated with floor plan lending, manufacturers will often support secondary resale values which can have the effect of reducing losses from non-performing retail marine loans. Retail borrowers generally have very high credit scores, substantial down payments, substantial net worth, personal liquidity, and excess cash flow. Paycheck Protection Program Loans In both 2021 and 2020, the Company participated in the Paycheck Protection Program ("PPP"). As of December 31, 2022 , the Company had 1 PPP loan with an outstanding balance of $ 74 thousand. As of December 31, 2021 , the Company had 152 PPP loans with outstanding balances totaling $ 15.9 million. Net origination fees related to PPP loans were recognized in earnings over the lives of the loans or until forgiveness by the SBA.
Allowance For Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for (recovery of) loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are impaired. An allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. Qualitative factors considered in the general component include the levels and trends in delinquencies and nonperforming loans, trends in volume and terms of loans, the effects of any changes in lending policies, the experience, ability, and depth of management, national and local economic trends and conditions, changes in collateral values, concentrations of credit, the quality of the Company’s loan review system, competition and regulatory requirements. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer loans for impairment disclosures, unless such loans are the subject of a restructuring agreement or are in a nonaccrual status.
Bank Premises and Equipment	Bank Premises and Equipment Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment. Maintenance and repairs of property and equipment are charged to operations and major improvements are capitalized. Upon retirement, sale or other disposition of property and equipment, the cost and accumulated depreciation balances are cleared the differential between the proceeds, if any, and the carrying value is recorded as a gain or loss in the Company's results of operations.
Leases	Leases The Company accounts for its leasing arrangements in accordance with ASC 842 "Leases". Refer to Note 13 for further discussion of the Company's accounting for its leasing arrangements.
Other Real Estate Owned	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 at the date of foreclosure. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less estimated cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. 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 performed 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 the lower of its cost or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in the (gain) loss on other real estate owned line item in the consolidated statements of income.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company has purchased life insurance on certain key individuals. Bank owned life insurance is recorded at the amount that may be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or amounts due that are probable at settlement.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loan Swaps	Loan Swaps The Company enters into interest rate swaps with certain qualifying commercial loan customers to meet their interest rate risk management needs. The Company 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 swaps with borrowers and swaps with dealer counterparties.
Retirement Plans	Retirement Plans The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 11.
Stock-Based Compensation Plan	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, as adopted, authorized the issuance of up to 500,000 shares of common stock. This plan is discussed more fully in Note 10.
Income Taxes	Income Taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is “more likely than not” that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the “more likely than not” recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent ( 50 %) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions.
Advertising	Advertising The Company follows the policy of charging the costs of advertising to expense as incurred.
Reclassifications	Reclassifications Certain reclassifications have been made to the 2021 financial statements to conform to reporting for 2022 . The results of the reclassifications are not considered material and had no effect on prior years' net income or shareholders' equity.
Earnings Per Common Share	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 and the effect on the weighted average number of shares of dilutive potential common stock. Twelve Months Ended December 31, 2022 2021 Average number of common shares outstanding 3,482,368 3,440,080 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,482,368 3,440,080 There were no potentially dilutive securities outstanding in 2022 or 2021 .
Comprehensive Income	Comprehensive (Loss) Income Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, net of income taxes, are reported within the balance sheet as a separate component of shareholders’ equity. These changes, along with net income, are components of comprehensive income and are reported in the statement of comprehensive income. In addition to net income, the Company’s comprehensive income includes changes in the benefit obligations and plan assets for postretirement benefit plans and unrealized gains or losses on available for sale securities.
Stock Repurchase Program	Stock Repurchase Program On July 11, 2022, the Corporation renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2023. During 2022 , the Company purchased 4,442 shares of its Common Stock under its stock repurchase program at an average price of $ 34.79 . During 2021 , the Company purchased 4,749 shares of its Common Stock under its stock repurchase program at an average price of $ 31.26 . The maximum number of shares that may yet be purchased under the June 2022 plan as of December 31, 2022 are 148,969 .
Recent Accounting Pronouncements	Recent Accounting Pronouncements During June 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration. The Company adopted ASU 2016-13 as of January 1, 2023 in accordance with the required implementation date. Transition adjustments during the first quarter of 2023, will include increases in the allowance for credit losses and the reserve for credit losses on unfunded commitments to extend credit as well as a reduction of total equity, net of taxes. This reduction of equity capital may, at the Bank's election, be phased-in over a three year period in accordance with regulatory guidelines. The final cumulative effect of the transition adjustments is still subject to completion by the Company but is estimated to reduce opening retained earnings on January 1, 2023 by a reasonable range of $ 1.5 million to $ 2.5 million.Subsequent to adoption, the Company will record adjustments to its allowances for credit losses through the provision for credit losses in the consolidated statements of income. The Company is utilizing a third-party model to tabulate its estimate of current expected credit losses, using a cohort methodology. In accordance with ASC 326, the Company has segmented its loan portfolio based on similar risk characteristics which included call report coding and various other factors. The Company primarily utilizes unemployment, inflation, as well as the consumer price index, and may also consider other factors to support its reasonable and supportable forecasting of current expected credit losses. To further adjust the allowance for credit losses for expected losses not already included within the quantitative component of the calculation, the Company may consider the following qualitative adjustment factors: economic conditions, problem loan trends, legal/regulatory environment, lending policy and procedures, credit admin and lending staff, loan review, nature, term and volume of the portfolio, collateral values and concentrations of credit. The Company’s CECL implementation process was overseen by the CFO and Controller and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience. During 2022, the Company calculated its current expected credit losses model in parallel to its incurred loss model in order to further refine the methodology and model. In addition, the Company engaged a third-party to perform a comprehensive model validation. 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.

Nature of Banking Activities _3

Nature of Banking Activities and Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [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 and the effect on the weighted average number of shares of dilutive potential common stock. Twelve Months Ended December 31, 2022 2021 Average number of common shares outstanding 3,482,368 3,440,080 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,482,368 3,440,080

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Securities, Available-for-Sale [Abstract]
Amortized Costs And Fair Values Of Securities Available For Sale	Amortized costs and fair values of securities available for sale at December 31, 2022 and 2021 were as follows: Amortized Gross Gross Fair December 31, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 9,993 $ — $ ( 858 ) $ 9,135 Mortgage-backed securities 153,289 — ( 24,136 ) 129,153 Obligations of states and political subdivisions 7,027 2 ( 422 ) 6,607 Subordinated debt 4,750 — ( 489 ) 4,261 $ 175,059 $ 2 $ ( 25,905 ) $ 149,156 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
Schedule Composition Of Restricted Investments	Carrying amounts of restricted securities at December 31, 2022 and 2021 were as follows: December 31, 2022 December 31, 2021 (in thousands) Federal Reserve Bank Stock $ 944 $ 344 Federal Home Loan Bank Stock 8,149 565 Community Bankers’ Bank Stock 140 140 $ 9,233 $ 1,049
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of securities available for sale at December 31, 2022, by contractual maturity, are shown below. Maturities may differ from contractual maturities primarily (others could be called) in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties. Amortized Cost Fair Value (in thousands) Due in one year or less $ 837 $ 833 Due after one year through five years 4,958 4,635 Due after five years through ten years 24,091 21,772 Due after ten years 145,173 121,916 $ 175,059 $ 149,156
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 unrealized loss position, at December 31, 2022 and 2021 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross December 31, 2022 (in thousands) Obligations of U.S. government corporations and agencies $ 6,140 $ 543 $ 2,994 $ 315 $ 9,134 $ 858 Mortgage-backed securities 31,771 4,052 97,382 20,084 129,153 24,136 Obligations of states and political subdivisions 6,065 422 — — 6,065 422 Subordinated debt 2,431 319 1,080 170 3,511 489 $ 46,407 $ 5,336 $ 101,456 $ 20,569 $ 147,863 $ 25,905 Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross 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

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]
Schedule Of Composition Of Loans	The composition of loans at December 31, 2022 and 2021 was as follows: December 31, 2022 2021 (in thousands) Mortgage loans on real estate: Construction and land development $ 73,667 $ 71,191 Secured by farmland 15,984 13,710 Secured by 1-4 family residential properties 301,758 263,723 Multifamily 39,806 29,093 Commercial 507,635 377,051 Commercial and industrial loans 247,659 143,378 Consumer installment loans 117,110 67,281 All other loans 12,721 16,798 Total loans $ 1,316,340 $ 982,225 Net deferred loan costs and premiums 7,443 3,495 Allowance for loan losses ( 11,218 ) ( 8,787 ) $ 1,312,565 $ 976,933 At December 31, 2022 , the Company was servicing $ 231.7 million of marine loans for other financial institutions which are not inlcuded in the table above. Also excluded from the table above are net servicing assets of $ 684 thousand at December 31, 2022 , which are recorded in other assets in the Consolidated Balance Sheets.

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Changes In Allowance For Loan Losses	Changes in the allowance for loan losses for the years ended December 31, 2022 and 2021 were as follows: December 31, 2022 2021 (in thousands) Balance, beginning $ 8,787 $ 7,096 Provision charged to operating expense 1,830 1,483 Recoveries added to the allowance 1,260 318 Loan losses charged to the allowance ( 659 ) ( 110 ) Balance, ending $ 11,218 $ 8,787
Nonaccrual And Past Due Loans By Class	Nonaccrual and past due loans by class at December 31, 2022 and December 31, 2021 were as follows: December 31, 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 $ 15 $ — $ 73 $ 88 $ 247,571 $ 247,659 $ — $ 73 Commercial Real Estate: Owner Occupied — — — — 232,115 232,115 — — Non-owner occupied — — — — 275,520 275,520 — 1,356 Construction and Farmland: Residential — — — — 11,256 11,256 — 21 Commercial — — 101 101 78,294 78,395 — 376 Consumer: Installment 56 — 146 202 116,908 117,110 146 — Residential: Equity Lines 149 — — 149 43,439 43,588 — 155 Single family 222 — 211 433 257,737 258,170 172 181 Multifamily — — — — 39,806 39,806 — — All Other Loans — — — — 12,721 12,721 — — Total $ 442 $ — $ 531 $ 973 $ 1,315,367 $ 1,316,340 $ 318 $ 2,162 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 as of and for the years ended December 31, 2022 and December 31, 2021 were as follows: December 31, 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 — ( 9 ) — ( 300 ) ( 79 ) ( 271 ) — ( 659 ) Recoveries 9 888 197 109 44 13 — 1,260 Provision ( 89 ) ( 782 ) 262 1,471 529 439 — 1,830 Ending balance $ 2,714 $ 1,847 $ 2,109 $ 2,936 $ 1,140 $ 472 $ — $ 11,218 Ending balance: Individually evaluated for impairment $ — $ 27 $ — $ 73 $ — $ — $ — $ 100 Ending balance: collectively evaluated for impairment $ 2,714 $ 1,820 $ 2,109 $ 2,863 $ 1,140 $ 472 $ — $ 11,118 Loans: Ending balance $ 89,651 $ 341,564 $ 507,635 $ 247,659 $ 117,110 $ 12,721 $ — $ 1,316,340 Ending balance individually evaluated for impairment $ 1,044 $ 3,719 $ 1,695 $ 141 $ 22 $ — $ — $ 6,621 Ending balance collectively evaluated for impairment $ 88,607 $ 337,845 $ 505,940 $ 247,518 $ 117,088 $ 12,721 $ — $ 1,309,719 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 at December 31, 2022 and December 31, 2021 were as follows: As of December 31, 2022 (in thousands) Unpaid Recorded Related Average Interest With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 81 $ 68 $ — $ 89 $ 5 Commercial Real Estate: Owner Occupied 205 200 — 207 11 Non-owner occupied 1,755 1,495 — 1,499 9 Construction and Farmland: Residential 22 21 — 157 4 Commercial 1,045 1,026 — 1,045 13 Consumer: Installment 24 22 — 25 2 Residential Equity lines 159 155 — 157 5 Single family 3,161 3,060 — 3,115 111 Multifamily — — — — — Other Loans — — — — — $ 6,452 $ 6,047 $ — $ 6,294 $ 159 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ 77 $ 73 $ 73 $ 73 $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 516 516 27 527 21 Multifamily — — — — — Other Loans — — — — — $ 593 $ 589 $ 100 $ 600 $ 21 Total: Commercial $ 158 $ 141 $ 73 $ 162 $ 5 Commercial Real Estate 1,960 1,695 — 1,706 20 Construction and Farmland 1,067 1,047 — 1,202 17 Consumer 24 22 — 25 2 Residential 3,836 3,731 27 3,799 137 Other — — — — — Total $ 7,045 $ 6,636 $ 100 $ 6,894 $ 180 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. 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, and any partial charge-offs.
Credit Quality Information By Class	Credit quality information by class at December 31, 2022 and December 31, 2021 was as follows: As of December 31, 2022 (in thousands) INTERNAL RISK RATING GRADES Pass Special Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 247,061 $ 526 $ 72 $ — $ — $ 247,659 Commercial Real Estate: Owner Occupied 212,074 20,020 21 — — 232,115 Non-owner occupied 257,625 16,189 1,706 — — 275,520 Construction and Farmland: Residential 11,235 — 21 — — 11,256 Commercial 69,427 153 8,815 — — 78,395 Residential: Equity Lines 43,124 310 154 — — 43,588 Single family 251,247 5,972 951 — — 258,170 Multifamily 39,806 — — — — 39,806 All other loans 12,721 — — — — 12,721 Total $ 1,144,320 $ 43,170 $ 11,740 $ — $ — $ 1,199,230 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 116,908 $ 202 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 Farmland: 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)	12 Months Ended
	Dec. 31, 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 years ended December 31, 2022 and 2021: Twelve Months Ended December 31, 2022 (in thousands) Number of Pre-Modification Post-Modification 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 Single family 9 1,676 1,704 Total 13 $ 2,681 $ 2,710 Twelve Months Ended December 31, 2021 (in thousands) Number of Pre-Modification Post-Modification Consumer: Installment 2 $ 15 $ 15 Residential Single family 1 98 98 Total 3 $ 113 $ 113

Bank Premises and Equipment, _2

Bank Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Major Classes Of Bank Premises And Equipment And Total Accumulated Depreciation	The major classes of bank premises and equipment and the total accumulated depreciation at December 31, 2022 and 2021 were as follows: December 31, 2022 2021 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 18,649 18,561 Furniture and equipment 9,345 8,815 $ 34,638 $ 34,020 Less accumulated depreciation 16,574 15,771 Bank premises and equipment, net $ 18,064 $ 18,249

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Composition Of Deposits	The composition of deposits at December 31, 2022 and December 31, 2021 was as follows: December 31, 2022 December 31, 2021 (in thousands) Noninterest bearing demand deposits $ 478,750 $ 470,355 Savings and interest bearing demand deposits: NOW accounts $ 167,197 $ 162,690 Money market accounts 220,498 251,862 Regular savings accounts 239,736 168,744 $ 627,431 $ 583,296 Time deposits: Balances of less than $250,000 $ 87,531 $ 58,427 Balances of $250,000 or greater 70,363 65,157 $ 157,894 $ 123,584 $ 1,264,075 $ 1,177,235
Maturities Of Time Deposits	The outstanding balance of time deposits at December 31, 2022 was due as follows: December 31, 2022 (in thousands) 2023 $ 135,595 2024 13,408 2025 2,333 2026 3,628 2027 2,191 Thereafter 739 $ 157,894

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Advance from Federal Home Loan Bank [Abstract]
Summary Of Information Related To Federal Funds Purchased	The following table summarizes information related to federal funds purchased for the years ended December 31, 2022 and 2021: December 31, 2022 2021 (dollars in thousands) Balance at year-end $ 32,980 $ — Average balance during the year 7,881 1 Average interest rate during the year 2.16 % 0.66 % Maximum month-end balance during the year $ 32,980 $ — Gross lines of credit at year-end 78,000 78,000 Unused lines of credit at year-end 78,000 78,000

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Schedule Of Net Deferred Tax Assets	The net deferred tax asset at December 31, 2022 and 2021 consisted of the following components: December 31, 2022 2021 (in thousands) Deferred tax assets: Allowance for loan losses $ 2,356 $ 1,845 Share-based compensation 222 136 Accrued postretirement benefits 21 21 Home equity origination costs 81 67 Nonaccrual interest 48 65 Lease liabilities 1,045 1,110 Credit carryforward 648 973 Securities available for sale 5,440 46 Other 26 27 $ 9,887 $ 4,290 Deferred tax liabilities: Property and equipment $ 710 $ 659 Right-of-use assets 1,001 1,079 Loan servicing rights 144 — $ 1,855 $ 1,738 Net deferred tax asset $ 8,032 $ 2,552
Schedule Of Components Of Income Tax Expense	Income tax expense for the years ended December 31, 2022 and 2021 consisted of the following components: December 31, 2022 2021 (in thousands) Current tax expense $ 3,236 $ 3,203 Deferred tax (benefit) ( 86 ) ( 1,437 ) $ 3,150 $ 1,766
Schedule Of Income Tax Reconciliation	The following table reconciles income tax expense to the statutory federal corporate income tax amount, which was calculated by applying the federal corporate income tax rate to pre-tax income for the years ended December 31, 2022 and 2021. December 31, 2022 2021 (in thousands) Statutory federal corporate tax amount $ 3,711 $ 2,685 Tax-exempt interest (income) ( 81 ) ( 135 ) Officer insurance (income) ( 131 ) ( 102 ) Net tax credits ( 353 ) ( 686 ) Other, net 4 4 $ 3,150 $ 1,766

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Restricted Stock Activity	The following table presents the activity for Restricted Stock for the years ended December 31, 2022 and 2021: Twelve Months Ended December 31, 2022 2021 Shares Weighted Shares Weighted Nonvested, beginning of period 31,738 $ 30.70 20,928 $ 29.98 Granted 31,648 35.19 32,496 31.16 Vested ( 23,079 ) 32.11 ( 21,261 ) 30.70 Forfeited ( 1,527 ) 32.13 ( 425 ) 31.05 Nonvested, end of period 38,780 $ 33.47 31,738 $ 30.70

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Assets And Liabilities, Lessee	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2022 December 31, 2021 Lease liability $ 4,978 $ 5,289 Right-of-use asset $ 4,766 $ 5,139 Weighted average remaining lease term 14 years 15 years Weighted average discount term 3.04 % 2.99 % Twelve Months Ended Lease Cost December 31, 2022 December 31, 2021 Operating lease cost $ 528 $ 376 Variable lease cost — — Short-term lease cost 15 19 Total lease cost $ 543 $ 395 Cash paid for amounts included in the measurement of lease liabilities $ 466 $ 314
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 December 31, 2022 Twelve months ending December 31, 2023 $ 473 Twelve months ending December 31, 2024 480 Twelve months ending December 31, 2025 504 Twelve months ending December 31, 2026 397 Twelve months ending December 31, 2027 391 Thereafter 4,149 Total undiscounted cash flows $ 6,394 Discount ( 1,416 ) Lease liability $ 4,978

Capital Requirements (Tables)

Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule Of Capital Requirements	The following table presents the Bank’s actual capital amounts and ratios at December 31, 2022 and 2021: Actual Minimum Capital Minimum To Be Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2022 Tier 1 Capital to Average Assets $ 143,214 9.19 % n/a n/a $ 140,210 9.00 % December 31, 2021 Common Equity Tier 1 Capital to Risk Weighted Assets $ 107,570 10.44 % $ 46,362 4.50 % $ 66,967 6.50 % Total Capital to Risk Weighted Assets 116,420 11.30 % 82,421 8.00 % 103,026 10.00 % Tier 1 Capital to Risk Weighted Assets 107,570 10.44 % 61,816 6.00 % 82,421 8.00 % Tier 1 Capital to Average Assets 107,570 8.84 % 48,654 4.00 % 60,817 5.00 %

Financial Instruments with Of_2

Financial Instruments with Off-Balance-Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule Of Financial Instruments	At December 31, 2022 and 2021, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2022 December 31, 2021 (dollars in thousands) Commitments to extend credit $ 27,927 $ 21,886 Unfunded commitments under lines of credit 191,259 171,406 Commercial and standby letters of credit 7,069 10,397

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2022
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income Disaggregated by Major Source	Noninterest income disaggregated by major source, for the years ended December 31, 2022 and 2021 consisted of the following: December 31, 2022 December 31, 2021 (dollar in thousands) Noninterest income: Wealth management fees(1): Trust asset management fees $ 3,095 $ 1,891 Brokerage commissions 1,054 1,164 Service charges on deposit accounts(1): Overdrawn account fees 1,194 853 Monthly and other service charges 424 382 Other service charges and fees: Interchange fees (1) 366 227 ATM fees (1) 3,103 3,014 Secondary market fees 3 236 Other charges and fees (2) 471 463 (Loss) on the sale and disposal of bank premises and equipment (1) ( 11 ) — (Loss) gain on sale of securities ( 737 ) 24 Gain on sale of loans 1,875 1,658 Bank owned life insurance income 626 527 Other operating income (3) 1,882 881 Total noninterest income $ 13,345 $ 11,320 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $309 thousand and $337 thousand for the years ended December 31, 2022 and 2021 , respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $1.2 million and $834 thousand for the years ended December 31, 2022 and 2021 , respectively. The remaining balance is outside the scope of Topic 606.

Quarterly Condensed Statement_2

Quarterly Condensed Statements of Income (Tables)	12 Months Ended
	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Schedule Of Quarterly Condensed Statements Of Income	The Company’s quarterly net income, net income per common share and dividends per common share during 2022 and 2021 are summarized as follows: 2022 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 11,509 $ 12,647 $ 14,366 $ 16,164 Net interest income after provision for loan losses 10,599 11,559 12,899 12,326 Noninterest income 3,243 3,849 3,164 3,089 Noninterest expenses 9,923 10,528 11,058 11,548 Income before income taxes 3,919 4,880 5,005 3,867 Net income 3,250 3,992 4,082 3,197 Net income per common share, basic 0.94 1.14 1.17 0.92 Net income per common share, diluted 0.94 1.14 1.17 0.92 Dividends per common share 0.28 0.28 0.29 0.30 2021 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 10,016 $ 10,413 $ 10,782 $ 11,465 Net interest income after provision for loan losses 8,930 9,695 10,099 10,792 Noninterest income 2,427 2,650 2,881 3,362 Noninterest expenses 7,916 8,727 9,523 11,883 Income before income taxes 3,441 3,618 3,457 2,271 Net income 2,862 3,003 2,873 2,283 Net income per common share, basic 0.84 0.87 0.83 0.66 Net income per common share, diluted 0.84 0.87 0.83 0.66 Dividends per common share 0.27 0.27 0.28 0.28

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2022 and December 31, 2021: Fair Value Measurements at December 31, 2022 Using Balance as of Quoted Prices Significant Significant December 31, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 9,135 $ — $ 9,135 $ — Mortgage-backed securities 129,153 — 129,153 — Obligations of states and political subdivisions 6,607 — 6,607 — Subordinated debt 4,261 — 4,261 — Derivative: Interest rate swaps on loans 1,017 — 1,017 — Total assets at fair value $ 150,173 $ — $ 150,173 $ — Liabilities: Interest rate swaps on loans $ 1,017 $ 1,017 $ — Total liabilities at fair value $ 1,017 $ — $ 1,017 $ — Fair Value Measurements at December 31, 2021 Using 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 swaps on loans 58 — 58 — Total assets at fair value $ 192,379 $ — $ 192,379 $ — Liabilities: Interest rate swaps on loans $ 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 for December 31, 2022 and December 31, 2021: Quantitative information about Level 3 Fair Value Measurements December 31, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Present value of cash flows Discount rate 4 % - 5 % 4 % Other real estate owned Discounted contract price Discount for selling costs 6 % 6 % December 31, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average Assets: Impaired loans Discounted appraised value Selling cost 12 % 12 % Impaired loans Present value of cash flows Discount rate 4 % - 6 % 5 % (1) Weighted based on the relative fair values of the specific items measured at fair value .
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 December 31, 2022 and December 31, 2021: Carrying value at December 31, 2022 Balance as of Quoted Prices in Significant Other Significant December 31, 2022 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 489 $ — $ — $ 489 Nonfinancial Assets: Other real estate owned 108 — 108 — Carrying value at December 31, 2021 Balance as of Quoted Prices in Significant Other Significant December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 746 $ — $ — $ 746
Company's Financial Instruments	The carrying amount and fair value of the Company’s financial instruments at December 31, 2022 and 2021 were as follows: Fair Value Measurements at December 31, 2022 Using Carrying Quoted Significant Significant Fair Value December 31, 2022 (Level 1) (Level 2) (Level 3) December 31, 2022 (in thousands) Financial Assets: Cash and short-term investments $ 66,894 $ 66,894 $ — $ — $ 66,894 Securities 149,156 — 149,156 — 149,156 Restricted Investments 9,233 — 9,233 — 9,233 Loans held for sale 153 — 153 — 153 Loans, net 1,312,565 — — 1,260,149 1,260,149 Bank owned life insurance 23,862 — 23,862 — 23,862 Accrued interest receivable 3,902 — 3,902 — 3,902 Interest rate swap 1,017 — 1,017 — 1,017 Financial Liabilities: Deposits $ 1,264,075 $ — $ 1,262,859 $ — $ 1,262,859 Federal funds purchased 32,980 — 32,980 — 32,980 Federal Home Loan Bank advances 175,000 — 174,705 — 174,705 Subordinated debt 29,377 — 26,101 — 26,101 Accrued interest payable 926 — 926 — 926 Interest rate swap 1,017 — 1,017 — 1,017 Fair Value Measurements at December 31, 2021 Using Carrying 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 (Loss) (Tables)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Changes To Accumulated Other Comprehensive Income (Loss) By Components	Changes to accumulated other comprehensive (loss) by components are shown in the following tables for the years ended December 31, 2022 and 2021: Twelve Months Ended December 31, 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 ( 26,422 ) — ( 26,422 ) ( 4,322 ) — ( 4,322 ) Reclassifications from other comprehensive (loss) 737 — 737 ( 24 ) — ( 24 ) Tax effect of current period changes 5,394 — 5,394 912 — 912 Current period changes net of taxes ( 20,291 ) — ( 20,291 ) ( 3,434 ) — ( 3,434 ) December 31 $ ( 20,465 ) $ 19 $ ( 20,446 ) $ ( 174 ) $ 19 $ ( 155 )

Condensed Financial Informati_2

Condensed Financial Information - Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Schedule Of Condensed Balance Sheets	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Balance Sheets December 31, 2022 and 2021 (dollars in thousands) 2022 2021 Assets Cash held in subsidiary bank $ 8,222 $ 2,739 Investment in subsidiary 122,767 107,416 Other assets 455 125 Total assets $ 131,444 $ 110,280 Liabilities and Shareholders’ Equity Subordinated debt $ 29,377 $ — Other liabilities 338 — Total liabilities $ 29,715 $ — Shareholders’ Equity Common stock 8,629 8,556 Surplus 13,268 12,115 Retained earnings 100,278 89,764 Accumulated other comprehensive (loss) ( 20,446 ) ( 155 ) Total shareholders’ equity $ 101,729 $ 110,280 Total liabilities and shareholders’ equity $ 131,444 $ 110,280
Schedule Of Condensed Income Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2022 and 2021 (dollars in thousands) 2022 2021 Income Dividends from subsidiary bank $ — $ 1,500 Interest and fees on loans — 64 Total income $ — $ 1,564 Expenses Interest expense on subordinated debt $ 1,067 $ — Other operating expenses 369 319 Total expenses $ 1,436 $ 319 (Loss) income before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ ( 1,436 ) $ 1,245 Income Tax (Benefit) ( 315 ) ( 31 ) (Loss) income before equity in undistributed earnings of subsidiary bank $ ( 1,121 ) $ 1,276 Equity in Undistributed Net Income of Subsidiary Bank 15,642 9,745 Net income $ 14,521 $ 11,021 Comprehensive (loss) income $ ( 5,770 ) $ 7,587
Schedule Of Condensed Cash Flows Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2022 and 2021 (dollars in thousands) 2022 2021 Cash Flows from Operating Activities Net Income $ 14,521 $ 11,021 Adjustments to reconcile net income to net cash (used in) provided by operating activities Stock-based compensation expense 1,017 850 Provision for loan losses — ( 21 ) Undistributed earnings of subsidiary bank ( 15,642 ) ( 9,745 ) Amortization of debt issuance costs 51 — Changes in assets and liabilities: (Increase) decrease in other assets ( 330 ) 10 Increase in other liabilities 338 — Net cash (used in) provided by operating activities $ ( 45 ) $ 2,115 Cash Flows from Investing Activities Capital contribution to bank subsidiary $ ( 20,000 ) $ — Net decrease in loans — 2,953 Net cash (used in) provided by investing activities $ ( 20,000 ) $ 2,953 Cash Flows from Financing Activities Issuance of subordinated debt, net of issuance costs $ 29,326 $ — Cash dividends paid ( 3,808 ) ( 3,261 ) Issuance of common stock, employee benefit plan 164 179 Retirement of common stock ( 154 ) ( 149 ) Net cash provided by (used in) financing activities $ 25,528 $ ( 3,231 ) Increase in cash $ 5,483 $ 1,837 Cash Beginning $ 2,739 $ 902 Ending $ 8,222 $ 2,739

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2022
Real Estate [Abstract]
Other Real Estate	The following table is a summary of other real estate owned ("OREO") activity for the twelve months ended December 31, 2022 and 2021: Year Ended Year Ended December 31, December 31, 2022 2021 Balance, beginning $ — $ 607 Net loans transferred to OREO 108 266 Gain on foreclosure — — Sales — ( 781 ) Valuation adjustments — ( 92 ) Balance, ending $ 108 $ —
Schedule of Real Estate Properties	The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2022 and 2021 were as follows: As of December 31, 2022 December 31, 2021 (in thousands) Construction and Farmland $ — $ — Residential Real Estate 108 — Commercial Real Estate — — Subtotal $ 108 $ — Less valuation allowance — — Total $ 108 $ —

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summarize Key Elements of Derivative Instruments	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. December 31, 2022 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 23,141 $ 1,017 $ — Matched interest rate swaps with counterparty 23,141 — 1,017 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

Business Segments (Tables)

Business Segments (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Schedule of the wealth management division's revenue and expenses	Twelve Months Ended December 31, 2022 Community Banking Marine Lending All Other Eliminations Consolidated (in thousands) Interest Income $ 47,554 $ 7,132 $ — $ — $ 54,686 Interest Expense 3,826 580 1,067 — 5,473 Net Interest Income 43,728 6,552 ( 1,067 ) — 49,213 Gain on sales of loans 478 1,397 — — 1,875 Other noninterest income 7,222 99 4,149 — 11,470 Net Revenue 51,428 8,048 3,082 — 62,558 Provision for loan losses 1,059 771 — — 1,830 Noninterest expense 36,401 3,695 2,961 — 43,057 Income (loss) before taxes 13,968 3,582 121 — 17,671 Income tax expense (benefit) 2,343 794 13 — 3,150 Net Income (loss) $ 11,625 $ 2,788 $ 108 $ — $ 14,521 Other data: Capital expenditures $ 829 $ 9 $ — $ — $ 838 Depreciation and amortization 1,550 236 124 — 1,910 Twelve Months Ended December 31, 2021 Community Banking Marine Lending All Other Eliminations Consolidated (in thousands) Interest Income $ 40,003 $ 2,630 $ 43 $ — $ 42,676 Interest Expense 1,645 32 — — 1,677 Net Interest Income 38,358 2,598 43 — 40,999 Gain on sales of loans 636 1,022 — — 1,658 Other noninterest income 6,597 10 3,055 — 9,662 Net Revenue 45,591 3,630 3,098 — 52,319 Provision for loan losses 2,657 ( 1,153 ) ( 21 ) — 1,483 Noninterest expense 33,525 2,056 2,468 — 38,049 Income (loss) before taxes 9,409 2,727 651 — 12,787 Income tax expense (benefit) 1,034 573 159 — 1,766 Net Income (loss) $ 8,375 $ 2,154 $ 492 $ — $ 11,021 Other data: Capital expenditures $ 520 $ — $ — $ — $ 520 Depreciation and amortization 1,632 14 22 $ — 1,668 Community Banking Marine Lending All Other Eliminations Consolidated Total assets at December 31, 2022 $ 1,377,461 $ 237,595 $ 1,661 $ — $ 1,616,717 Total assets at December 31, 2021 1,190,471 110,726 1,841 — 1,303,038

Nature of Banking Activities _4

Nature of Banking Activities and Significant Accounting Policies (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) Loan shares	Dec. 31, 2021 USD ($) Loan shares	Jan. 01, 2023 USD ($)	Jul. 11, 2022 shares
Property Plant And Equipment [Line Items]
Ownership percentage in subsidiaries	100%
Sale of Non Mortgage Loans | $	$ 156,000,000
Period interest on mortgage loans is discontinued	120 days
Period Interest on commercial loans discontinued	90 days
Credit card loans and other personal loans are charged off	180 days
Limit of the estimated appraised value of the furnished home	80%
Authorized issuance of shares of common stock | shares	500,000
"More likely than not" threshold	50%
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | shares	0	0
Number of shares of common stock able to be repurchased | shares				150,000
Treasury Stock, Shares, Retired | shares	4,442	4,749
Stock Repurchased and Retired During Period, Value | $	$ 34.79	$ 31.26
Maximum numbers of shares that may yet be purchased under plan | shares	148,969
Minimum [Member]
Property Plant And Equipment [Line Items]
Adjustment to retained earnings, net of deferred income taxes, and adjustments to the allowance for credit losses on loans | $			$ 1,500,000
Maximum [Member]
Property Plant And Equipment [Line Items]
Adjustment to retained earnings, net of deferred income taxes, and adjustments to the allowance for credit losses on loans | $			$ 2,500,000
Building [Member] | Minimum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	10 years
Building [Member] | Maximum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	39 years
Furniture and equipment [Member] | Minimum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	3 years
Furniture and equipment [Member] | Maximum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	10 years
Paycheck Protection Program Loans [Member]
Property Plant And Equipment [Line Items]
Number of loans | Loan	1	152
Total outstanding balance of loans | $	$ 74,000	$ 15,900,000

Nature of Banking Activities _5

Nature of Banking Activities and Significant Accounting Policies (Weighted Average Number of Shares Used In Computing Earnings Per Share) (Details) - shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Average number of common shares outstanding	3,482,368	3,440,080
Average number of common shares outstanding used to calculate diluted earnings per share	3,482,368	3,440,080

Securities (Amortized Costs And

Securities (Amortized Costs And Fair Values Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	$ 175,059	$ 192,539
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	2	1,954
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(25,905)	(2,172)
Securities available for sale, at fair value	149,156	192,321
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	9,993	14,541
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	417
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(858)	(37)
Securities available for sale, at fair value	9,135	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	153,289	152,391
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	753
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(24,136)	(2,132)
Securities available for sale, at fair value	129,153	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	2	773
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(422)
Securities available for sale, at fair value	6,607	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	0	11
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(489)	(3)
Securities available for sale, at fair value	$ 4,261	$ 2,508

Securities (Restricted Investme

Securities (Restricted Investments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 9,233	$ 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	8,149	565
Community Bankers' Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 140	$ 140

Securities (Contractual Maturit

Securities (Contractual Maturity of Securities Available for Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 837
Due after one year through five years, Amortized Cost	4,958
Due after five years through ten years, Amortized Cost	24,091
Due after ten years, Amortized Cost	145,173
Amortized Cost	175,059	$ 192,539
Due in one year or less, Fair Value	833
Due after one year through five years, Fair Value	4,635
Due after five years through ten years, Fair Value	21,772
Due after ten years, Fair Value	121,916
Fair Value	$ 149,156	$ 192,321

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Security	Dec. 31, 2021 USD ($) Security
Schedule Of Available For Sale Securities [Line Items]
Sales of securities available for sale	$ 15,370	$ 15,885
Fair Value	149,156	192,321
Available for sale Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Sales of securities available for sale	15,400	15,900
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	104	41
Asset Pledged as Collateral [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value	$ 13,300

Securities (Fair Value And Gros

Securities (Fair Value And Gross Unrealized Losses For Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	$ 46,407	$ 103,943
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	5,336	1,254
Fair Value, 12 months or more	101,456	29,555
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	20,569	918
Fair Value, Total	147,863	133,498
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	25,905	2,172
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	31,771	101,080
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	4,052	1,214
Fair Value, 12 months or more	97,382	29,555
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	20,084	918
Fair Value, Total	129,153	130,635
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	24,136	2,132
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	2,431	247
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	319	3
Fair Value, 12 months or more	1,080	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	170	0
Fair Value, Total	3,511	247
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	489	3
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	6,065
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	422
Fair Value, 12 months or more	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Fair Value, Total	6,065
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	422
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	6,140	2,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	543	37
Fair Value, 12 months or more	2,994	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	315	0
Fair Value, Total	9,134	2,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 858	$ 37

Loans (Schedule of Composition

Loans (Schedule of Composition of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 1,316,340	$ 982,225
Allowance for loan losses	(11,218)	(8,787)
Net Loans	1,312,565	976,933
Net deferred loan costs and premiums	7,443	3,495
Other Assets [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Servicing Asset, Total	684
Construction and land development
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	73,667	71,191
Secured by farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	15,984	13,710
Secured by 1-4 family residential properties
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	301,758	263,723
Multifamily
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	39,806	29,093
Commercial Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	507,635	377,051
Commercial and industrial loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	247,659	143,378
Consumer installment loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	117,110	67,281
Marine Loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loan amount in Service	231,700
All other loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 12,721	$ 16,798

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Beginning Balance	$ 8,787	$ 7,096
Provision charged to operating expense	1,830	1,483
Recoveries added to the allowance	1,260	318
Loan losses charged to the allowance	(659)	(110)
Ending Balance	$ 11,218	$ 8,787

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Nonaccrual And Past Due Loans By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 1,199,230	$ 914,944
Total Loans	1,316,340	982,225
90 or More Days Past Due Still Accruing	318	43
Nonaccrual Loans	2,162	2,723
Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	247,659	143,378
Nonaccrual Loans	73
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	232,115	188,839
Nonaccrual Loans		124
Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	275,520	188,212
Nonaccrual Loans	1,356	1,547
Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	11,256	10,077
Nonaccrual Loans	21
Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	78,395	74,824
Nonaccrual Loans	376	234
Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	117,110	67,281
90 or More Days Past Due Still Accruing	146
Nonaccrual Loans		3
Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	43,588	35,862
Nonaccrual Loans	155	29
Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	258,170	227,861
90 or More Days Past Due Still Accruing	172	43
Nonaccrual Loans	181	786
Residential Multi Family
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	39,806	29,093
All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	12,721	16,798
Financial Asset, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	442	582
Financial Asset, 30 to 59 Days Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	15	8
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		146
Financial Asset, 30 to 59 Days Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	56	6
Financial Asset, 30 to 59 Days Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	149	13
Financial Asset, 30 to 59 Days Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	222	409
60 - 89 Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		371
60 - 89 Days Past due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		7
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		238
Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	531	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	101	108
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	146
Financial Asset, Equal to or Greater than 90 Days Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	211	434
Financial Asset, Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	973	1,625
Financial Asset, Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	88	15
Financial Asset, Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		276
Financial Asset, Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	101	234
Financial Asset, Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	202	6
Financial Asset, Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	149	13
Financial Asset, Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	433	1,081
Financial Asset, Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	1,315,367	980,600
Financial Asset, Not Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	247,571	143,363
Financial Asset, Not Past Due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	232,115	188,839
Financial Asset, Not Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	275,520	187,936
Financial Asset, Not Past Due | Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	11,256	10,077
Financial Asset, Not Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	78,294	74,590
Financial Asset, Not Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	116,908	67,275
Financial Asset, Not Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	43,439	35,849
Financial Asset, Not Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	257,737	226,780
Financial Asset, Not Past Due | Residential Multi Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	39,806	29,093
Financial Asset, Not Past Due | All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 12,721	$ 16,798

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Allowance For Loan Losses By Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Impaired [Line Items]
Beginning Balance	$ 8,787	$ 7,096
Loan losses charged to the allowance	(659)	(110)
Recoveries	1,260	318
Provision	1,830	1,483
Ending Balance	11,218	8,787
Ending balance: Individually evaluated for impairment	100	39
Ending balance: collectively evaluated for impairment	11,118	8,748
Ending balance	1,316,340	982,225
Ending balance: Individually evaluated for impairment	6,621	5,454
Ending balance: collectively evaluated for impairment	1,309,719	976,771
Construction And Farmland Financing Receivable
Financing Receivable Impaired [Line Items]
Beginning Balance	2,794	1,604
Recoveries	9	12
Provision	(89)	1,178
Ending Balance	2,714	2,794
Ending balance: collectively evaluated for impairment	2,714	2,794
Ending balance	89,651	84,901
Ending balance: Individually evaluated for impairment	1,044	257
Ending balance: collectively evaluated for impairment	88,607	84,644
Residential Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,750	1,929
Loan losses charged to the allowance	(9)	(13)
Recoveries	888	240
Provision	(782)	(406)
Ending Balance	1,847	1,750
Ending balance: Individually evaluated for impairment	27	39
Ending balance: collectively evaluated for impairment	1,820	1,711
Ending balance	341,564	292,816
Ending balance: Individually evaluated for impairment	3,719	2,778
Ending balance: collectively evaluated for impairment	337,845	290,038
Commercial Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,650	1,645
Recoveries	197	7
Provision	262	(2)
Ending Balance	2,109	1,650
Ending balance: collectively evaluated for impairment	2,109	1,650
Ending balance	507,635	377,051
Ending balance: Individually evaluated for impairment	1,695	2,295
Ending balance: collectively evaluated for impairment	505,940	374,756
Commercial Portfolio Segment
Financing Receivable Impaired [Line Items]
Beginning Balance	1,656	1,374
Loan losses charged to the allowance	(300)	(10)
Recoveries	109	18
Provision	1,471	274
Ending Balance	2,936	1,656
Ending balance: Individually evaluated for impairment	73
Ending balance: collectively evaluated for impairment	2,863	1,656
Ending balance	247,659	143,378
Ending balance: Individually evaluated for impairment	141	108
Ending balance: collectively evaluated for impairment	247,518	143,270
Consumer Portfolio Segment
Financing Receivable Impaired [Line Items]
Beginning Balance	646	198
Loan losses charged to the allowance	(79)	(19)
Recoveries	44	29
Provision	529	438
Ending Balance	1,140	646
Ending balance: collectively evaluated for impairment	1,140	646
Ending balance	117,110	67,281
Ending balance: Individually evaluated for impairment	22	16
Ending balance: collectively evaluated for impairment	117,088	67,265
All Other Loans
Financing Receivable Impaired [Line Items]
Beginning Balance	291	346
Loan losses charged to the allowance	(271)	(68)
Recoveries	13	12
Provision	439	1
Ending Balance	472	291
Ending balance: collectively evaluated for impairment	472	291
Ending balance	12,721	16,798
Ending balance: collectively evaluated for impairment	$ 12,721	$ 16,798

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Impaired Loans By Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Unpaid Principal Balance
Total	$ 7,045	$ 6,052
Recorded Investment
Total	6,636	5,473
Related Allowance
With no related allowance:	100	39
Average Recorded Investment
Total	6,894	5,626
Total	180	113
Consumer Installment Financing Receivable
Unpaid Principal Balance
Total	24	17
Recorded Investment
Total	22	16
Average Recorded Investment
Total	25	19
Total	2	1
Commercial Portfolio Segment
Unpaid Principal Balance
Total	158	143
Recorded Investment
Total	141	109
Related Allowance
With no related allowance:	73
Average Recorded Investment
Total	162	166
Total	5	11
Commercial Real Estate
Unpaid Principal Balance
Total	1,960	2,687
Recorded Investment
Total	1,695	2,301
Average Recorded Investment
Total	1,706	2,328
Total	20
Construction And Farmland Financing Receivable
Unpaid Principal Balance
Total	1,067	271
Recorded Investment
Total	1,047	257
Average Recorded Investment
Total	1,202	267
Total	17	9
Residential
Unpaid Principal Balance
Total	3,836	2,934
Recorded Investment
Total	3,731	2,790
Related Allowance
With no related allowance:	27	39
Average Recorded Investment
Total	3,799	2,846
Total	137	92
With No Related Allowance
Unpaid Principal Balance
With no related allowance:	6,452	5,241
Recorded Investment
With no related allowance:	6,047	4,686
Related Allowance
With no related allowance:	159	83
Average Recorded Investment
With no related allowance:	6,294	4,824
With No Related Allowance | Commercial - Non Real Estate: - Commercial Real Estate:
Unpaid Principal Balance
With no related allowance:	81	143
Recorded Investment
With no related allowance:	68	109
Related Allowance
With no related allowance:	5	11
Average Recorded Investment
With no related allowance:	89	166
With No Related Allowance | Commercial Real Estate Owner Occupied
Unpaid Principal Balance
With no related allowance:	205	148
Recorded Investment
With no related allowance:	200	124
Related Allowance
With no related allowance:	11
Average Recorded Investment
With no related allowance:	207	142
With No Related Allowance | Commercial Real Estate Non Owner Occupied
Unpaid Principal Balance
With no related allowance:	1,755	2,539
Recorded Investment
With no related allowance:	1,495	2,177
Related Allowance
With no related allowance:	9
Average Recorded Investment
With no related allowance:	1,499	2,186
With No Related Allowance | Construction And Farmland Residential
Unpaid Principal Balance
With no related allowance:	22
Recorded Investment
With no related allowance:	21
Related Allowance
With no related allowance:	4
Average Recorded Investment
With no related allowance:	157
With No Related Allowance | Construction And Farmland Commercial
Unpaid Principal Balance
With no related allowance:	1,045	271
Recorded Investment
With no related allowance:	1,026	257
Related Allowance
With no related allowance:	13	9
Average Recorded Investment
With no related allowance:	1,045	267
With No Related Allowance | Consumer Installment Financing Receivable
Unpaid Principal Balance
With no related allowance:	24	17
Recorded Investment
With no related allowance:	22	16
Related Allowance
With no related allowance:	2	1
Average Recorded Investment
With no related allowance:	25	19
With No Related Allowance | Residential Equity Lines
Unpaid Principal Balance
With no related allowance:	159	35
Recorded Investment
With no related allowance:	155	29
Related Allowance
With no related allowance:	5
Average Recorded Investment
With no related allowance:	157	32
With No Related Allowance | Residential Single Family
Unpaid Principal Balance
With no related allowance:	3,161	2,088
Recorded Investment
With no related allowance:	3,060	1,974
Related Allowance
With no related allowance:	111	62
Average Recorded Investment
With no related allowance:	3,115	2,012
With An Allowance Recorded
Unpaid Principal Balance
With an allowance recorded:	593	811
Recorded Investment
With an allowance recorded:	589	787
Related Allowance
With no related allowance:	100	39
Average Recorded Investment
With an allowance recorded:	600	802
With an allowance recorded:	21	30
With An Allowance Recorded | Commercial - Non Real Estate: - Commercial Real Estate:
Unpaid Principal Balance
With no related allowance:	77
Recorded Investment
With an allowance recorded:	73
Related Allowance
With no related allowance:	73
Average Recorded Investment
With no related allowance:	73
With An Allowance Recorded | Residential Single Family
Unpaid Principal Balance
With an allowance recorded:	516	811
Recorded Investment
With an allowance recorded:	516	787
Related Allowance
With no related allowance:	27	39
Average Recorded Investment
With an allowance recorded:	527	802
With an allowance recorded:	$ 21	$ 30

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Credit Quality Information By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 1,199,230	$ 914,944
Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	247,659	143,378
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	232,115	188,839
Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	275,520	188,212
Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	11,256	10,077
Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	78,395	74,824
Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	43,588	35,862
Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	258,170	227,861
Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	39,806	29,093
All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,721	16,798
Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,144,320	883,492
Pass | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	247,061	143,197
Pass | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	212,074	185,978
Pass | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	257,625	180,830
Pass | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	11,235	10,077
Pass | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	69,427	59,318
Pass | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	43,124	35,832
Pass | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	251,247	224,510
Pass | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	39,806	26,952
Pass | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,721	16,798
Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	43,170	26,638
Special Mention | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	526	176
Special Mention | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	20,020	2,703
Special Mention | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	16,189	4,819
Special Mention | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	153	15,198
Special Mention | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	310
Special Mention | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5,972	1,601
Special Mention | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		2,141
Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	11,740	4,697
Substandard | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	72	5
Substandard | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21	158
Substandard | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,706	2,563
Substandard | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21
Substandard | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,815	308
Substandard | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	154	30
Substandard | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	951	1,633
Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		117
Doubtful | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		117
Performing Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	116,908	67,275
Nonperforming Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 202	$ 6

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Contract Loan	Dec. 31, 2021 USD ($) Contract Loan
Financing Receivable Modifications [Line Items]
Number of troubled debt restructured loans | Loan	28	17
Total troubled debt restructured loans | $	$ 4,600	$ 2,700
Financing Receivable, Modifications, Nonaccrual, Number of Contracts | Loan	2	2
Financing Receivable, Modifications, Nonaccrual, Recorded Investment | $	$ 133	$ 149
Number of contractions modified by granting concession	13	3
Number of consumer installment loan granted		1
Troubled debt restructuring modifications by granting a refinance	1	2
Troubled Debt Restructuring Modifications Number Of Contracts	13	3
Consumer Installment
Financing Receivable Modifications [Line Items]
Number of contracts modified by changing the amortization period		2
Troubled Debt Restructuring Modifications Number Of Contracts	1	2
Residential Single Family
Financing Receivable Modifications [Line Items]
Number of contracts modified by changing the amortization period		1
Number of residential loan by granting a lower interest rate		1
Troubled Debt Restructuring Modifications Number Of Contracts	9
Loan is considered payment default	30 days
Commercial Real Estate Owner Occupied [Member]
Financing Receivable Modifications [Line Items]
Troubled Debt Restructuring Modifications Number Of Contracts	1
Non Owner Occupied Commercial [Member]
Financing Receivable Modifications [Line Items]
Troubled Debt Restructuring Modifications Number Of Contracts	1
Construction And Farmland Residential Financing Receivable [Member]
Financing Receivable Modifications [Line Items]
Troubled Debt Restructuring Modifications Number Of Contracts	1
Residential Single Family Financing Receivable [Member]
Financing Receivable Modifications [Line Items]
Troubled Debt Restructuring Modifications Number Of Contracts	9	1

Troubled Debt Restructurings (S

Troubled Debt Restructurings (Schedule of Troubled Debt Restructurings on Financing Receivables) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Contract	Dec. 31, 2021 USD ($) Contract
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	13	3
Pre-Modification Outstanding Recorded Investment	$ 2,681	$ 113
Post-Modification Outstanding Recorded Investment	$ 2,710	$ 113
Residential Single Family
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	9	1
Pre-Modification Outstanding Recorded Investment	$ 1,676	$ 98
Post-Modification Outstanding Recorded Investment	$ 1,704	$ 98
Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	1
Pre-Modification Outstanding Recorded Investment	$ 185
Post-Modification Outstanding Recorded Investment	$ 185
Non-owner Occupied Commercial
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	1
Pre-Modification Outstanding Recorded Investment	$ 161
Post-Modification Outstanding Recorded Investment	$ 161
Construction And Farmland Residential Financing Receivable [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	1
Pre-Modification Outstanding Recorded Investment	$ 639
Post-Modification Outstanding Recorded Investment	$ 639
Consumer Installment Financing Receivable
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	1	2
Pre-Modification Outstanding Recorded Investment	$ 20	$ 15
Post-Modification Outstanding Recorded Investment	$ 21	$ 15

Bank Premises and Equipment, _3

Bank Premises and Equipment, Net (Major Classes of Bank Premises and Equipment and Total Accumulated Depreciation) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 34,638	$ 34,020
Less accumulated depreciation	16,574	15,771
Bank premises and equipment, net	18,064	18,249
Land [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	6,644	6,644
Building and improvements [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	18,649	18,561
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 9,345	$ 8,815

Bank Premises and Equipment, _4

Bank Premises and Equipment, Net (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Property Plant And Equipment [Line Items]
Depreciation	$ 979	$ 996
Building and improvements [Member]
Property Plant And Equipment [Line Items]
Depreciation	486	482
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Depreciation	$ 493	$ 514

Deposits (Composition of Deposi

Deposits (Composition of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Noninterest bearing demand deposits	$ 478,750	$ 470,355
Savings and interest bearing demand deposits:
NOW accounts	167,197	162,690
Money market accounts	220,498	251,862
Regular savings accounts	239,736	168,744
Savings and interest bearing demand deposits	627,431	583,296
Time deposits:
Balances of less than $250,000	87,531	58,427
Balances of $250,000 or greater	70,363	65,157
Time Deposits	157,894	123,584
Total deposits	$ 1,264,075	$ 1,177,235

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Reciprocal Money Market Accounts Domestic	$ 59,500	$ 42,200
Deposit overdrafts reclassified as loans	218	231
Time deposits with balances of less than $250,000 in brokered certificates of deposit	$ 4,600	$ 0

Deposits (Schedule of Outstandi

Deposits (Schedule of Outstanding Balance of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
2023	$ 135,595
2024	13,408
2025	2,333
2026	3,628
2027	2,191
Thereafter	739
Time Deposits	$ 157,894	$ 123,584

Borrowings (Summary of Informat

Borrowings (Summary of Information Related to Federal Funds Purchased) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Advance from Federal Home Loan Bank [Abstract]
Federal Funds Purchased	$ 32,980	$ 0
Average balance during the year	$ 7,881	$ 1
Average interest rate during the year	2.16%	0.66%
Maximum month-end balance during the year	$ 32,980	$ 0
Gross lines of credit at year-end	78,000	78,000
Unused lines of credit at year-end	$ 78,000	$ 78,000

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule of Federal Home Loan Bank Advances [Line Items]
Unused line of credit total	$ 105,700
Federal Home Loan Bank Advances	175,000	$ 0
FHLB irrevocable letter of credit	$ 60,000
Federal Home Loan Bank of Atlanta [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Available credit to total Bank assets, maximum percentage	20%
Federal Home Loan Bank Advances	$ 175,000
Federal home loan bank, weighted average interest rate	4.17%
Federal Home Loan Bank of Atlanta [Member] | Minimum [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank, Advances, Interest Rate	3.79%
Federal Home Loan Bank of Atlanta [Member] | Maximum [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank, Advances, Interest Rate	4.57%

Income Taxes (Schedule of Net D

Income Taxes (Schedule of Net Deferred Tax Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Allowance for loan losses	$ 2,356	$ 1,845
Share-based compensation	222	136
Accrued postretirement benefits	21	21
Home equity origination costs	81	67
Nonaccrual interest	48	65
Lease liabilities	1,045	1,110
Credit carryforward	648	973
Securities available for sale	5,440	46
Other	26	27
Total deferred tax assets	9,887	4,290
Deferred tax liabilities:
Property and equipment	710	659
Right-of-use assets	1,001	1,079
Loan servicing rights	144
Total deferred tax liabilities	1,855	1,738
Net deferred tax asset	$ 8,032	$ 2,552

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Current tax expense	$ 3,236	$ 3,203
Deferred tax (benefit)	(86)	(1,437)
Total income tax expense	$ 3,150	$ 1,766

Income Taxes (Schedule of Incom

Income Taxes (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Statutory federal corporate tax amount	$ 3,711	$ 2,685
Tax-exempt interest (income)	(81)	(135)
Officer insurance (income)	(131)	(102)
Net tax credits	(353)	(686)
Other, net	4	4
Total income tax expense	$ 3,150	$ 1,766

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Effective income tax rate	17.83%	13.81%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Compensation expense	$ 1,000	$ 850
Grant date fair value of vested Restricted Stock	741	653
Vest date fair value of vested Restricted Stock	819	$ 690
Unrecognized compensation cost related to unvested Restricted Stock	$ 377
Weighted-average period for unrecognized compensation cost to be recognized	2 years
Service Period [Member] | Executive Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	3 years
Service Period [Member] | Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	3 years
Preformence Measure [Mmeber] | Executive Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	1 year

Stock-Based Compensation (Restr

Stock-Based Compensation (Restricted Stock Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Nonvested, beginning of period	31,738	20,928
Granted	31,648	32,496
Vested	(23,079)	(21,261)
Forfeited	1,527	425
Nonvested, end of period	38,780	31,738
Nonvested, beginning of period	$ 30.70	$ 29.98
Granted	35.19	31.16
Vested	32.11	30.70
Forfeited	32.13	31.05
Nonvested, end of period	$ 33.47	$ 30.70

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Defined Contribution Plan [Line Items]
Matched percentage by employer	50%
Maximum employee percentage of deferred salary matched by employer	6%
Non-elective safe-harbor contribution received each December 31st	3%
Employer contributions	$ 1,900	$ 1,500
Maximum age benefit could be reduced or forfeited	65 years
Supplemental income benefit liability	$ 8	15
Supplemental income benefit expense	$ 29	$ 29
Minimum [Member]
Defined Contribution Plan [Line Items]
Non-elective safe-harbor contribution received each December 31st	1%
Maximum [Member]
Defined Contribution Plan [Line Items]
Non-elective safe-harbor contribution received each December 31st	10%

Commitments and Contingencies (

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Required compensating balance on deposit	$ 250	$ 250

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Operating Leased Assets [Line Items]
Operating lease asset	$ 4,766	$ 5,139
Operating lease, liability	$ 4,978	$ 5,289

Leases - Schedule of Lease Info

Leases - Schedule of Lease Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Lease liability	$ 4,978	$ 5,289
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Right-of-use asset	$ 4,766	$ 5,139
Weighted average remaining lease term	14 years	15 years
Weighted average discount term	3.04%	2.99%
Lease Cost
Operating lease cost	$ 528	$ 376
Short-term lease cost	15	19
Total lease cost	543	395
Cash paid for amounts included in the measurement of lease liabilities	$ 466	$ 314

Leases - Schedule of Maturity o

Leases - Schedule of Maturity of Lease Liability (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Twelve months ending December 31, 2023	$ 473
Twelve months ending December 31, 2024	480
Twelve months ending December 31, 2025	504
Twelve months ending December 31, 2026	397
Twelve months ending December 31, 2027	391
Thereafter	4,149
Total undiscounted cash flows	6,394
Discount	$ (1,416)
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Lease liability	$ 4,978	$ 5,289

Transactions with Directors a_2

Transactions with Directors and Officers (Details) - Directors Principal Officersand Other Related Parties - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related Party Transaction [Line Items]
Aggregate balance of loans to directors, principal officers, and their related parties	$ 5,100	$ 5,400
Total principal additions	418
Total principal payments	713
Aggregate balance of deposits from directors, principal officers and their related parties	$ 11,100	$ 13,900

Capital Requirements - Addition

Capital Requirements - Additional Information (Details)	12 Months Ended
	Dec. 31, 2022 Rate
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Minimum leverage ratio	9%
Maximum leverage ratio maintainance	8%

Capital Requirements (Schedule

Capital Requirements (Schedule of Capital Requirements) (Details) - The Bank [Member] - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common Equity Tier 1 Capital		$ 107,570
Total Capital to Risk Weighted Assets, Actual, Amount		116,420
Tier 1 Capital Risk Weighted Assets, Actual, Amount		107,570
Tier 1 Capital to Average Assets, Actual, Amount	$ 143,214	$ 107,570
Common Equity Tier One Capital to Risk Weighted Assets		10.44%
Total Capital to Risk Weighted Assets, Actual, Ratio		11.30%
Tier 1 Capital Risk Weighted Assets, Actual, Ratio		10.44%
Tier 1 Capital to Average Assets, Actual, Ratio	9.19%	8.84%
Common Equity Tier One Capital Required for Capital Adequacy		$ 46,362
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount		82,421
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount		61,816
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount		$ 48,654
Common Equity Tier One Capital For Capital Adequacy To Risk Weighted Assets		4.50%
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio		8%
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio		6%
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio		4%
Common Equity Tier One Capital Required to be Well-Capitalized	$ 140,210	$ 66,967
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount		103,026
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount		82,421
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount		$ 60,817
Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets	9%	6.50%
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio		10%
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio		8%
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio		5%

Restrictions On Dividends, Lo_2

Restrictions On Dividends, Loans, and Advances (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Number of years used for undistributed net income of the Bank	3 years
Retained earnings available for the payment of dividends	$ 32.4
Restricted net assets	90.3
Funds available for loans or advances	$ 15.4

Financial Instruments with Of_3

Financial Instruments with Off-Balance-Sheet Risk (Schedule of Financial Instruments) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Commitments to extend credit	$ 27,927	$ 21,886
Unfunded commitments under lines of credit	191,259	171,406
Commercial and standby letters of credit	$ 7,069	$ 10,397

Financial Instruments with Of_4

Financial Instruments with Off-Balance-Sheet Risk - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Collateralized letters of credit outstanding	$ 6.9
Excess of insurance limits held in cash accounts	$ 11

Revenue Recognition-Schedule of

Revenue Recognition-Schedule of Noninterest Income Disaggregated by Major Source (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Disaggregation Of Revenue [Line Items]
Noninterest income										$ 3	$ 236
Gain (loss) on the sale and disposal of bank premises and equipment	[1]									11
(Loss) gain on sale of securities										(737)	24
Gain on sale of loans										1,875	1,658
Bank owned life insurance income										626	527
Other operating income	[2]									1,882	881
Total noninterest income		$ 3,089	$ 3,164	$ 3,849	$ 3,243	$ 3,362	$ 2,881	$ 2,650	$ 2,427	13,345	11,320
Trust asset management fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									3,095	1,891
Overdrawn account fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									1,194	853
Monthly and other service charges
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									424	382
Interchange fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									366	227
ATM fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									3,103	3,014
Brokerage commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									1,054	1,164
Other charges and fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[3]									$ 471	$ 463
[1] Income within the scope of Topic 606. Includes income within the scope of Topic 606 of $1.2 million and $834 thousand for the years ended December 31, 2022 and 2021 , respectively. The remaining balance is outside the scope of Topic 606. Includes income within the scope of Topic 606 of $309 thousand and $337 thousand for the years ended December 31, 2022 and 2021 , respectively. The remaining balance is outside the scope of Topic 606.

Quarterly Condensed Statement_3

Quarterly Condensed Statements of Income (Schedule of Quarterly Condensed Statements of Income) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Total interest and dividend income	$ 16,164	$ 14,366	$ 12,647	$ 11,509	$ 11,465	$ 10,782	$ 10,413	$ 10,016	$ 54,686	$ 42,676
Net interest income after provision for loan losses	12,326	12,899	11,559	10,599	10,792	10,099	9,695	8,930	47,383	39,516
Noninterest income	3,089	3,164	3,849	3,243	3,362	2,881	2,650	2,427	13,345	11,320
Noninterest expenses	11,548	11,058	10,528	9,923	11,883	9,523	8,727	7,916	43,057	38,049
Income before income taxes	3,867	5,005	4,880	3,919	2,271	3,457	3,618	3,441	17,671	12,787
Net income	$ 3,197	$ 4,082	$ 3,992	$ 3,250	$ 2,283	$ 2,873	$ 3,003	$ 2,862	$ 14,521	$ 11,021
Net income per common share, basic	$ 0.92	$ 1.17	$ 1.14	$ 0.94	$ 0.66	$ 0.83	$ 0.87	$ 0.84	$ 4.17	$ 3.20
Net income per common share, diluted	0.92	1.17	1.14	0.94	0.66	0.83	0.87	0.84	4.17	3.20
Dividends declared, per share	$ 0.30	$ 0.29	$ 0.28	$ 0.28	$ 0.28	$ 0.28	$ 0.27	$ 0.27	$ 1.15	$ 1.10

Fair Value Measurements (Financ

Fair Value Measurements (Financial Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities available for sale
Total assets at fair value	$ 150,173	$ 192,379
Derivative:
Interest rate swaps	1,017	58
Liabilities:
Interest rate swaps	1,017	58
Total liabilities at fair value	1,017	58
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	150,173	192,379
Derivative:
Interest rate swaps	1,017	58
Liabilities:
Interest rate swaps	1,017	58
Total liabilities at fair value	1,017	58
Obligations Of U.S. Government Corporations And Agencies [Member]
Securities available for sale
Total assets at fair value	9,135	14,921
Obligations Of U.S. Government Corporations And Agencies [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	9,135	14,921
U.S. Treasury Notes [Member]
Securities available for sale
Total assets at fair value		2,003
U.S. Treasury Notes [Member] | Significant Other Observable Inputs (Level 2) [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	129,153	151,012
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	129,153	151,012
Obligations Of States And Political Subdivisions [Member]
Securities available for sale
Total assets at fair value	6,607	21,877
Obligations Of States And Political Subdivisions [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	6,607	21,877
Subordinated Debt [Member]
Securities available for sale
Total assets at fair value	4,261	2,508
Subordinated Debt [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	$ 4,261	$ 2,508

Fair Value Measurements (Additi

Fair Value Measurements (Additional Information) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Fair Value Disclosures [Abstract]
Balance Other Real Estate Owned	$ 108

Fair Value Measurements (Quanti

Fair Value Measurements (Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets) (Details)		12 Months Ended
		Dec. 31, 2022		Dec. 31, 2021
Impaired Loans [Member] | 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%
Impaired Loans [Member] | 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		4%	[1]	5%
Impaired Loans [Member] | 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%
Impaired Loans [Member] | 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		5%		6%
Other Real Estate Owned [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%
Other Real Estate Owned [Member] | Measurement Input, Discount for selling costs [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	[1]	6%
[1] Weighted based on the relative fair values of the specific items measured at fair value

Fair Value Measurements (Fina_2

Fair Value Measurements (Financial And Nonfinancial Assets Measured At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Nonfinancial Assets:
Other real estate owned, net of allowance	$ 108	$ 0
Nonrecurring [Member] | Financial Assets [Member]
Financial Assets:
Impaired loans	489	746
Nonrecurring [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance	108
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance	108
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Financial Assets [Member]
Financial Assets:
Impaired loans	$ 489	$ 746

Fair Value Measurements (Compan

Fair Value Measurements (Company's Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial Assets:
Cash and short-term investments	$ 66,894	$ 64,068
Securities available for sale, at fair value	149,156	192,321
Restricted Investments	9,233	1,049
Loans held for sale	153	876
Loans, net	1,312,565	976,933
Bank owned life insurance	23,862	23,236
Accrued interest receivable	3,902	2,634
Interest rate swaps	1,017	58
Financial Liabilities:
Deposits	1,264,075	1,177,235
Federal funds purchased	32,980	0
Federal Home Loan Bank advances	175,000	0
Subordinated debt	29,377
Accrued interest payable	926	67
Interest rate swaps	1,017	58
Fair Value [Member]
Financial Assets:
Cash and short-term investments	66,894	64,068
Securities available for sale, at fair value	149,156	192,321
Restricted Investments	9,233	1,049
Loans held for sale	153	876
Loans, net	1,260,149	969,612
Bank owned life insurance	23,862	23,236
Accrued interest receivable	3,902	2,634
Interest rate swaps	1,017	58
Financial Liabilities:
Deposits	1,262,859	1,177,582
Federal funds purchased	32,980
Federal Home Loan Bank advances	174,705
Subordinated debt	26,101
Accrued interest payable	926	67
Interest rate swaps	1,017	58
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Financial Assets:
Cash and short-term investments	66,894	64,068
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets:
Securities available for sale, at fair value	149,156	192,321
Restricted Investments	9,233	1,049
Loans held for sale	153	876
Bank owned life insurance	23,862	23,236
Accrued interest receivable	3,902	2,634
Interest rate swaps	1,017	58
Financial Liabilities:
Deposits	1,262,859	1,177,582
Federal funds purchased	32,980
Federal Home Loan Bank advances	174,705
Subordinated debt	26,101
Accrued interest payable	926	67
Interest rate swaps	1,017	58
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets:
Loans, net	$ 1,260,149	$ 969,612

Change in Accumulated Other C_3

Change in Accumulated Other Comprehensive (Loss) (Changes To Accumulated Other Comprehensive Income (Loss) By Components) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ (155)	$ 3,279
Other comprehensive (loss) income before reclassifications	(26,422)	(4,322)
Reclassifications from other comprehensive income (loss)	737	(24)
Tax effect of current period changes	5,394	912
Total other comprehensive (loss)	(20,291)	(3,434)
Ending balance	(20,446)	(155)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	(174)	3,260
Other comprehensive (loss) income before reclassifications	(26,422)	(4,322)
Reclassifications from other comprehensive income (loss)	737	(24)
Tax effect of current period changes	5,394	912
Total other comprehensive (loss)	(20,291)	(3,434)
Ending balance	(20,465)	(174)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	19	19
Ending balance	$ 19	$ 19

Change in Accumulated Other C_4

Change in Accumulated Other Comprehensive (Loss) (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	$ (737)	$ 24
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	(737)	24
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ (155)	$ 5

Condensed Financial Informati_3

Condensed Financial Information - Parent Company Only (Schedule of Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets
Loans, net of allowance	$ 1,312,565	$ 976,933
Other assets	36,682	26,306
Total assets	1,616,717	1,303,038
Liabilities and Shareholders’ Equity
Subordinated Debt	29,377	0
Other liabilities	13,556	15,523
Total liabilities	1,514,988	1,192,758
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued	0	0
Common stock	8,629	8,556
Surplus	13,268	12,115
Retained earnings	100,278	89,764
Accumulated other comprehensive (loss)	(20,446)	(155)	$ 3,279
Total shareholders’ equity	101,729	110,280	$ 105,074
Total liabilities and shareholders’ equity	1,616,717	1,303,038
Parent Company [Member]
Assets
Cash held in subsidiary bank	8,222	2,739
Investment in subsidiary	122,767	107,416
Other assets	455	125
Total assets	131,444	110,280
Liabilities and Shareholders’ Equity
Subordinated Debt	29,377	0
Other liabilities	338	0
Total liabilities	29,715	0
Shareholders’ Equity
Common stock	8,629	8,556
Surplus	13,268	12,115
Retained earnings	100,278	89,764
Accumulated other comprehensive (loss)	(20,446)	(155)
Total shareholders’ equity	101,729	110,280
Total liabilities and shareholders’ equity	$ 131,444	$ 110,280

Condensed Financial Informati_4

Condensed Financial Information - Parent Company Only (Schedule of Condensed Income Statement) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Interest and Dividend Income
Interest and fees on loans									$ 50,682	$ 39,871
Interest Expense
Income Tax (Benefit)									3,150	1,766
Net Income (loss)	$ 3,197	$ 4,082	$ 3,992	$ 3,250	$ 2,283	$ 2,873	$ 3,003	$ 2,862	14,521	11,021
Comprehensive income									(5,770)	7,587
Parent Company [Member]
Interest and Dividend Income
Dividends from subsidiary bank									0	1,500
Interest and fees on loans									0	64
Total income									0	1,564
Interest Expense
Interest expense on subordinated debt									1,067	0
Other operating expenses									369	319
Total expenses									1,436	319
(Loss) income before income tax (benefit) and equity in undistributed earnings of subsidiary bank									(1,436)	1,245
Income Tax (Benefit)									(315)	(31)
(Loss) income before equity in undistributed earnings of subsidiary bank									(1,121)	1,276
Equity in Undistributed Net Income of Subsidiary Bank									15,642	9,745
Net Income (loss)									14,521	11,021
Comprehensive income									$ (5,770)	$ 7,587

Condensed Financial Informati_5

Condensed Financial Information - Parent Company Only (Schedule of Condensed Cash Flows Statement) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Cash Flows from Operating Activities
Net income	$ 3,197	$ 4,082	$ 3,992	$ 3,250	$ 2,283	$ 2,873	$ 3,003	$ 2,862	$ 14,521	$ 11,021
Adjustments to reconcile net income to net cash (used in) provided by operating activities
Provision For Loan Losses									1,830	1,483
Amortization of debt issuance costs									51
Changes in assets and liabilities:
(Increase) decrease in other assets									(4,742)	6
Increase in other liabilities									(706)	3,877
Net cash provided by operating activities									13,814	16,459
Cash Flows from Investing Activities
Proceeds from sales of loans									155,525	100,176
Net cash (used in) provided by investing activities									(331,336)	(193,217)
Cash Flows from Financing Activities
Issuance of subordinated debt, net of issuance costs									29,326
Cash dividends paid									(3,808)	(3,261)
Issuance of common stock, employee benefit plan									164	179
Retirement of common stock									(154)	(149)
Net cash provided by financing activities									320,348	160,906
Increase in cash									2,826	(15,852)
Parent Company [Member]
Cash Flows from Operating Activities
Net income									14,521	11,021
Adjustments to reconcile net income to net cash (used in) provided by operating activities
Stock-based compensation expense									1,017	850
Provision For Loan Losses									0	(21)
Undistributed earnings of subsidiary bank									(15,642)	(9,745)
Amortization of debt issuance costs									51	0
Changes in assets and liabilities:
(Increase) decrease in other assets									(330)	10
Increase in other liabilities									338	0
Net cash provided by operating activities									(45)	2,115
Cash Flows from Investing Activities
Capital contribution to bank subsidiary									(20,000)	0
Proceeds from sales of loans									0	2,953
Net cash (used in) provided by investing activities									(20,000)	2,953
Cash Flows from Financing Activities
Issuance of subordinated debt, net of issuance costs									29,326	0
Cash dividends paid									(3,808)	(3,261)
Issuance of common stock, employee benefit plan									164	179
Retirement of common stock									(154)	(149)
Net cash provided by financing activities									25,528	(3,231)
Increase in cash									5,483	1,837
Cash
Beginning				$ 2,739				$ 902	2,739	902
Ending	$ 8,222				$ 2,739				$ 8,222	$ 2,739

Other Real Estate Owned Other R

Other Real Estate Owned Other Real Estate Owned Roll Forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Real Estate [Abstract]
Balance, beginning		$ 607
Net loans transferred to OREO	$ 108	266
Sales		(781)
Valuation adjustments		$ (92)
Balance, ending	$ 108

Other Real Estate Owned Major C

Other Real Estate Owned Major Classifications of Other Real Estate Owned (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2020
Real Estate Properties [Line Items]
Other real estate, gross	$ 108
Other real estate, gross	108
Total	108	$ 607
Residential Real Estate
Real Estate Properties [Line Items]
Other real estate, gross	108
Other real estate, gross	$ 108

Qualified Affordable Housing _2

Qualified Affordable Housing Project Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Federal Home Loan Banks [Abstract]
Amortization Method Qualified Affordable Housing Project Investments	$ 2,300	$ 2,600
Qualified Affordable Housing Project Investments, Commitment	0	11
Amortization Method Qualified Affordable Housing Project Investments, Amortization	278	229
Affordable Housing Tax Credits and Other Tax Benefits Expected to Be Received	359
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 353	$ 385

Derivatives - (Summarize Key El

Derivatives - (Summarize Key Elements of Derivative Instruments) Customer-related interest rate swap contracts (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Interest Rate Swap [Member] | Matched Interest Rate Swaps With Counterparty [Member]
Derivative [Line Items]
Notional Amount	$ 23,141	$ 2,391
Assets	0	0
Liabilities	1,017	58
Interest Rate Swap [Member] | Matched Interest Rate Swaps With Borrower [Member]
Derivative [Line Items]
Notional Amount	23,141	2,391
Assets	1,017	58
Liabilities	$ 0	$ 0

Segments - Schedule of The weal

Segments - Schedule of The wealth management division's revenue and expenses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Interest Expense									$ 5,473	$ 1,677
Net Interest Income									49,213	40,999
Gain on sales of loans									1,875	1,658
Other noninterest income									1,882	881
Provision For Loan Losses									1,830	1,483
Noninterest expenses	$ 11,548	$ 11,058	$ 10,528	$ 9,923	$ 11,883	$ 9,523	$ 8,727	$ 7,916	43,057	38,049
Income (loss) before taxes	3,867	5,005	4,880	3,919	2,271	3,457	3,618	3,441	17,671	12,787
Income Tax Expense									3,150	1,766
Net Income (loss)	3,197	$ 4,082	$ 3,992	$ 3,250	2,283	$ 2,873	$ 3,003	$ 2,862	14,521	11,021
Other data:
Total assets	1,616,717				1,303,038				1,616,717	1,303,038
Community Banking
Interest Income									47,554	40,003
Interest Expense									3,826	1,645
Net Interest Income									43,728	38,358
Gain on sales of loans									478	636
Other noninterest income									7,222	6,597
Net Revenue									51,428	45,591
Provision For Loan Losses									1,059	2,657
Noninterest expenses									36,401	33,525
Income (loss) before taxes									13,968	9,409
Income Tax Expense									2,343	1,034
Net Income (loss)									11,625	8,375
Other data:
Capital expenditures									829	520
Depreciation and amortization									1,550	1,632
Total assets	1,377,461				1,190,471				1,377,461	1,190,471
Marine Lending
Interest Income									7,132	2,630
Interest Expense									580	32
Net Interest Income									6,552	2,598
Gain on sales of loans									1,397	1,022
Other noninterest income									99	10
Net Revenue									8,048	3,630
Provision For Loan Losses									771	(1,153)
Noninterest expenses									3,695	2,056
Income (loss) before taxes									3,582	2,727
Income Tax Expense									794	573
Net Income (loss)									2,788	2,154
Other data:
Capital expenditures									9	0
Depreciation and amortization									236	14
Total assets	237,595				110,726				237,595	110,726
All Other
Interest Income									0	43
Interest Expense									1,067	0
Net Interest Income									(1,067)	43
Gain on sales of loans									0	0
Other noninterest income									4,149	3,055
Net Revenue									3,082	3,098
Provision For Loan Losses									0	(21)
Noninterest expenses									2,961	2,468
Income (loss) before taxes									121	651
Income Tax Expense									13	159
Net Income (loss)									108	492
Other data:
Capital expenditures									0	0
Depreciation and amortization									124	22
Total assets	1,661				1,841				1,661	1,841
Eliminations
Interest Income									0	0
Interest Expense									0	0
Net Interest Income									0	0
Gain on sales of loans									0	0
Other noninterest income									0	0
Net Revenue									0	0
Provision For Loan Losses									0	0
Noninterest expenses									0	0
Income (loss) before taxes									0	0
Income Tax Expense									0	0
Net Income (loss)									0	0
Other data:
Capital expenditures									0	0
Depreciation and amortization									0	0
Total assets	0				0				0	0
Consolidated
Interest Income									54,686	42,676
Interest Expense									5,473	1,677
Net Interest Income									49,213	40,999
Gain on sales of loans									1,875	1,658
Other noninterest income									11,470	9,662
Net Revenue									62,558	52,319
Provision For Loan Losses									1,830	1,483
Noninterest expenses									43,057	38,049
Income (loss) before taxes									17,671	12,787
Income Tax Expense									3,150	1,766
Net Income (loss)									14,521	11,021
Other data:
Capital expenditures									838	520
Depreciation and amortization									1,910	1,668
Total assets	$ 1,616,717				$ 1,303,038				$ 1,616,717	$ 1,303,038