Eagle Financial Services (EFSI) 10-K 29 Mar 24 2023 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2023	Mar. 22, 2024	Jun. 30, 2023
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, 2023
Document Fiscal Year Focus	2023
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
Document Financial Statement Error Correction [Flag]	false
Entity Common Stock, Shares Outstanding		3,557,229
Entity Public Float			$ 94,161,812
ICFR Auditor Attestation Flag	false
Documents Incorporated by Reference	Portions of the registrant’s Proxy Statement for the 2024 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, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 15,417	$ 16,629
Interest-bearing deposits with other institutions	96,649	49,902
Federal funds sold	26,287	363
Total cash and cash equivalents	138,353	66,894
Securities available for sale	137,443	149,156
Restricted investments	9,568	9,233
Loans held for sale	1,661	153
Loans	1,462,686	1,323,783
Allowance for credit losses	(14,493)	(11,218)
Net loans	1,448,193	1,312,565
Bank premises and equipment, net	18,108	18,064
Other real estate owned, net of allowance	0	108
Bank owned life insurance	29,575	23,862
Other assets	42,696	36,682
Total assets	1,825,597	1,616,717
Deposits:
Noninterest bearing demand deposits	436,619	478,750
Savings and interest bearing demand deposits	656,439	627,431
Time deposits	413,264	157,894
Total deposits	1,506,322	1,264,075
Federal funds purchased	0	32,980
Federal Home Loan Bank advances, short-term	20,000	175,000
Federal Home Loan Bank advances, long-term	145,000	0
Subordinated Debt	29,444	29,377
Other Liabilities	16,452	13,556
Total liabilities	1,717,218	1,514,988
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 2023, 3,520,894 including 56,914 unvested restricted stock; issued and outstanding 2022, 3,490,086 including 38,780 unvested restricted stock	8,660	8,629
Surplus	14,280	13,268
Retained earnings	103,445	100,278
Accumulated other comprehensive (loss)	(18,006)	(20,446)
Total shareholders’ equity	108,379	101,729
Total liabilities and shareholders’ equity	$ 1,825,597	$ 1,616,717

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Preferred stock, par value	$ 10	$ 10
Preferred stock, shares authorized	500,000	500,000
Common stock, par value	$ 2.5	$ 2.5
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	3,520,894	3,490,086
Common stock, shares, outstanding	3,520,894	3,490,086
Common stock, unvested restricted shares	56,914	38,780

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest and Dividend Income
Interest and fees on loans	$ 75,520	$ 50,682
Interest and dividends on securities:
Taxable interest income	3,141	3,292
Interest income exempt from federal income taxes	16	221
Dividends	523	109
Interest on deposits in banks	3,768	352
Interest on federal funds sold	160	30
Total interest and dividend income	83,128	54,686
Interest Expense
Interest on deposits	23,630	2,941
Interest on federal funds purchased	70	170
Interest on Federal Home Loan Bank advances	7,720	1,295
Interest on subordinated debt	1,417	1,067
Total interest expense	32,837	5,473
Net Interest Income (Expense)	50,291	49,213
Provision for credit losses	1,649	1,830
Net interest income after provision for credit losses	48,642	47,383
Noninterest Income
Wealth management fees	4,926	4,149
Service charges on deposit accounts	1,810	1,618
Other service charges and fees	4,413	3,943
Gain on the sale of marine finance assets	435	0
Gain (loss) on the sale and disposal of bank premises and equipment	14	(11)
(Loss) on sale of securities	0	(737)
Gain on sale of loans	1,428	1,875
Bank owned life insurance income	713	626
Other operating income	1,006	1,882
Total noninterest income	14,745	13,345
Noninterest Expenses
Salaries and employee benefits	30,306	25,730
Occupancy expenses	2,202	2,068
Equipment expenses	1,299	1,121
Advertising and marketing expenses	1,157	770
Stationery and supplies	191	199
ATM network fees	1,563	1,313
Other real estate owned expense	5	34
(Gain) on other real estate owned	(7)	0
FDIC assessment	1,585	614
Computer software expense	1,360	960
Bank franchise tax	1,255	886
Professional fees	2,540	2,019
Data processing fees	1,935	1,779
Other operating expenses	7,363	5,564
Total noninterest expenses	52,754	43,057
Income before taxes	10,633	17,671
Income tax expense (benefit)	1,276	3,150
Net Income (Loss)	$ 9,357	$ 14,521
Earnings Per Share
Net income per common share, basic	$ 2.66	$ 4.17
Net income per common share, diluted	$ 2.66	$ 4.17

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net Income (Loss)	$ 9,357	$ 14,521
Other comprehensive income (loss):
Changes in benefit obligations and plan assets for post retirement benefit plans, net of reclassification adjustments, net of deferred income tax of $(3) and $0 for the years ended December 31, 2023 and 2022, respectively	(5)	0
Unrealized gain (loss) on available for sale securities, net of reclassification adjustments, net of deferred income tax of $650 and ($5,394) for the years ended December 31, 2023 and 2022, respectively	2,445	(20,291)
Total other comprehensive income (loss)	2,440	(20,291)
Total comprehensive income (loss)	$ 11,797	$ (5,770)

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Changes in benefit obligations and plan assets for defined benefit and postretirement benefit plans, deferred income taxes	$ (3)	$ 0
Unrealized gain (loss) on available for sale securities, deferred income tax	$ 650	$ (5,394)

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2021	$ 110,280	$ 8,556	$ 12,115	$ 89,764		$ (155)
Net Income (Loss)	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)
Net Income (Loss)	9,357			9,357
Other comprehensive income (loss)	2,440					2,440
Restricted stock awards, stock incentive plan	0	43	(43)
Stock-based compensation expense	1,213		1,213
Issuance of common stock, employee benefit plan	(132)	(9)	(123)
Retirement of common stock	(302)	(21)	(281)
Dividends declared	(4,229)			(4,229)
Cumulative effect adjustment for CECL	(1,961)				$ (1,961)
Balance at Dec. 31, 2023	$ 108,379	$ 8,660	$ 14,280	$ 103,445		$ (18,006)

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Issuance of restricted stock, stock incentive plan, shares	17,402	23,079
Issuance of common stock, dividend investment plan, shares		5,582
Issuance of common stock, employee benefit plan, shares	3,803	4,697
Retirement of common stock, shares	8,531	4,442
Dividends declared, per share	$ 1.2	$ 1.15

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Cash Flows from Operating Activities
Net Income (Loss)	$ 9,357	$ 14,521
Adjustments to reconcile net income to net cash (used in) provided by operating activities
Depreciation	1,002	979
Amortization of other assets	988	931
Origination of loans held for sale	(41,606)	(14,276)
Proceeds from sale of loans held for sale	41,224	15,486
Net (gains) on sales of loans	(1,428)	(1,875)
Provision for credit losses	1,649	1,830
(Gain) on other real estate owned	(7)	0
(Gain) on the sale of marine finance assests	(435)	0
(Gain) loss on the sale and disposal of premises and equipment	(14)	11
Loss on the sale of securities	0	737
Amortization of subordinated debt issuance costs	67	51
Stock-based compensation expense	1,213	1,017
Premium amortization on securities, net	335	562
Bank owned life insurance income	(713)	(626)
Deferred tax (benefit)	(1,509)	(86)
Changes in assets and liabilities:
(Increase) decrease in other assets	(4,583)	(4,742)
Increase (decrease) in other liabilities	1,335	(706)
Net cash provided by operating activities	6,875	13,814
Cash Flows from Investing Activities
Proceeds from maturities, calls, and principal payments of securities available for sale	14,473	27,630
Proceeds from the sale of securities available for sale	0	15,370
Purchases of securities available for sale	0	(26,819)
Proceeds from the sale of restricted investments	4,975	0
Purchase of restricted investments	(5,310)	(8,184)
Proceeds for the sale of bank premises and equipment	39	33
Purchase of bank-owned life insurance	(5,000)	0
Purchases of bank premises and equipment	(1,071)	(838)
Proceeds from the sale of other real estate owned	115	0
Changes in collateral posted with other financial institutions, net	0	(700)
Proceeds from sale of marine finance assets	53,987	0
Proceeds from sales of loans	51,871	155,525
Origination of loans net of principal collected	(243,441)	(492,592)
Funding of capital commitments related to other investments	(922)	(761)
Net cash (used in) provided by investing activities	(130,284)	(331,336)
Cash Flows from Financing Activities
Net (decrease) increase in demand deposits, money market and savings accounts	(13,123)	52,530
Net increase (decrease) in certificates of deposit	255,370	34,310
Net (decrease) increase in federal funds purchased	(32,980)	32,980
Net (decrease) increase in short-term Federal Home Loan Bank advances	(155,000)	175,000
Advances of long-term Federal Home Loan Bank advances	145,000	0
Issuance of subordinated debt, net of issuance costs	0	29,326
Issuance of common stock, employee benefit plan	132	164
Repurchase and retirement of common stock	(302)	(154)
Cash dividends paid	(4,229)	(3,808)
Net cash provided by financing activities	194,868	320,348
Increase (decrease) in cash and cash equivalents	71,459	2,826
Cash and Cash Equivalents
Beginning	66,894	64,068
Ending	138,353	66,894
Supplemental Disclosures of Cash Flow Information
Interest	31,332	4,563
Income taxes	2,068	4,368
Supplemental Schedule of Noncash Investing and Financing Activities:
Unrealized (loss) on securities available for sale	(3,095)	(25,685)
Minimum postretirement liability adjustment	(8)	0
Other real estate and repossessed assets acquired in settlement of loans	304	108
Issuance of common stock, dividend investment plan	$ 0	$ 199

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 2,395	$ 2,319	$ 2,058	$ 2,585	$ 3,197	$ 4,082	$ 3,992	$ 3,250	$ 9,357	$ 14,521

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Nature of Banking Activities an

Nature of Banking Activities and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2023
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”) make 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 credit losses on loans. 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 The Company determines the appropriate classification of securities at the time of purchase. 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 are recognized in interest income using the effective interest rate method over the period from purchase to maturity or, for callable securities, the earliest call date, and purchase discounts are recognized in the same manner from purchase to maturity. 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. Allowance for Credit Losses on Securities For available for sale debt securities in an unrealized loss position, management first assesses whether the Company intends to sell, or if it is likely that the Company will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through a provision for credit losses charge to earnings. For debt securities available for sale that do not meet either of these criteria, management evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers both quantitative and qualitative factors, A substantial portion of the available for sale debt securities held by the Company are obligations issued by U.S. government agency and U.S. government-sponsored enterprises, including mortgage-backed securities. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies and have a long history of no credit losses. For these securities, management takes into consideration the long history of no credit losses and other factors to assess the risk of nonpayment even if the U.S. government were to default. As such, the Company utilized a zero credit loss estimate for these securities. For available for sale debt securities that are not guaranteed by U.S. government agencies and U.S. government-sponsored enterprises, management utilizes a third-party credit modeling tool based on observable market data, which assists management in identifying any potential credit risk associated with these available for sale debt securities. Qualitative factors are also considered, including the extent to which fair value is less than amortized cost, changes to the credit rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If a credit loss exists, an allowance for credit losses is recorded that reflects the amount of the impairment related to credit losses, limited by the amount by which the security's amortized cost basis exceeds its fair value. Changes in the allowance for credit losses are recorded in net income in the period of change and are included in provision for credit losses. Changes in the fair value of debt securities available for sale not resulting from credit losses are recorded in other comprehensive income (loss). 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 2023, the Company sold non-mortgage loans totaling approximatel y $ 59.6 million a s 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 Held for Investment The Company makes 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 these areas. 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 charge-offs, unearned discounts, any deferred fees or costs on originated loans, and the allowance for credit losses. The Company has elected to exclude accrued interest receivable from the amortized cost basis. Accrued interest totaled $ 4.6 million and $ 3.5 million at December 31, 2023 and 2022, and is included in the other assets line item in the Consolidated Balance Sheets. 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. A loan’s past due status is based on the contractual due date of the most delinquent payment due. Loans are generally placed on nonaccrual status when the collection of principal or interest is 90 days or more past due, or earlier, if collection is uncertain based on an evaluation of the net realizable value of the collateral and the financial strength of the borrower. Any accrued interest receivable on loans placed on nonaccrual status is reversed by an adjustment to interest income. Loans greater than 90 days past due may remain on accrual status if management determines it has adequate collateral to cover the principal and interest. For those loans that are carried on nonaccrual status, payments are first applied to principal outstanding. A loan may be returned to accrual status if the borrower has demonstrated a sustained period of repayment performance in accordance with the contractual terms of the loan and there is reasonable assurance the borrower will continue to make payments as agreed. These policies are applied consistently across our loan portfolio. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. All payments, including any interest collected, on these loans are accounted for on the cash-basis or cost-recovery method and applied to principal, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. In the ordinary course of business, the Company has entered into commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the Consolidated Balance Sheets when they are funded. Loan Modifications The Company adopted Accounting Standards Update ("ASU") No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures” on January 1, 2023. The amendments in ASU 2022-02 eliminated the recognition and measurement of troubled debt restructurings and enhanced disclosures for loan modifications to borrowers experiencing financial difficulty. Modifications made to loans are considered for disclosure under the guidance in ASU 2022-02 if a borrower is experiencing financial difficulty, if the modification is in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay, or a term extension (or a combination thereof). Modified terms are dependent upon the financial position and needs of the individual borrower. Generally, the modifications granted are extensions of terms, deferrals of payments for an extended period or interest rate reductions. If a loan was accruing prior to being modified 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 accrual status. If a loan was on non-accrual status at the time of the modification, 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 Segment 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 or other real estate property. 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 loan portfolio is comprised of originated retail loans. Through August 22, 2023, the marine loan portfolio also included dealer floor plan loans, classified as commercial and industrial loans. On August 23, 2023, the Company completed the sale of certain assets of its marine finance division to an unrelated third-party. Under the sales agreements, the Company sold its interest in marine floor plan loans, while retaining ownership of its marine retail loans which continue to constitute a significant portion of the Company's assets, revenues, and earnings. The Company expects to cease accepting new marine lending business and hold the retained outstanding loans until they are ultimately repaid. The Company’s relationships were limited to well established dealers of global premium brand manufacturers, with the top three manufacturer customers have been in business between 30 and 100 years. Retail loans were generally limited to premium manufactures with established relationships with the Company, which have a vested interest in the secondary market pricing of their respective brand due to the limited inventory available for resale. Consequently, while not contractually committed, 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. Allowance for Credit Losses on Loans The allowance for credit losses is established through charges to earnings in the form of a provision for credit losses. The allowance for credit losses is also increased by recoveries of amounts previously charged-off and is reduced by charge-offs on loans. Loan charge-offs are recognized as the difference between the carrying value of the loan and the estimated net realizable value or fair value of the collateral, if collateral dependent, when management believes that the collectability of the principal is unlikely. Full or partial charge-offs on collateral dependent individually analyzed loans are generally recognized when the collateral is deemed to be insufficient to support the carrying value of the loan. The allowance represents management's current estimate of expected credit losses over the contractual term of loans held for investment, and is recorded at an amount that, in management's judgment, reduces the recorded investment in loans to the net amount expected to be collected. No allowance for credit losses is recorded on accrued interest receivable and amount written-off are reversed by an adjustment to interest income. Management's judgment in determining the level of the allowance is based on evaluations of historical loan losses, current conditions and reasonable and supportable forecasts relevant to the collectability of loans. Loans that share common risk characteristics are evaluated collectively using a loss-rate, or cohort methodology to estimate its current expected credit losses on loans. The cohort method identifies and captures the balances of pooled loans with similar risk characteristics, as a point in time to form a cohort, then tracks the respective losses generated by that cohort of loans over their remaining lives. The method encompasses loan balances for as long as the loans are outstanding. Management's estimate of the allowance for credit losses on loans that are collectively evaluated also includes a qualitative assessment of available information relevant to assessing collectability that is not captured in the loss estimation process. Factors considered by management include economic conditions including reasonable and supportable forecasts of economic conditions; the nature and volume of the loan portfolio; the volume and severity of delinquencies and adversely classified loan balances; ending policy and procedures; credit administration and lending staff; loan review; concentrations of credit and the value of underlying collateral. This evaluation is inherently subjective, as it requires estimates that are susceptible to significant revision as more information becomes available. Loans that do not share common risk characteristics with other loans are evaluated individually and are not included in the collective analysis. The allowance for credit losses on loans that are individually evaluated may be estimated based on their expected cash flows, or, in the case of loans for which repayment is expected substantially through the operation or sale of collateral when the borrower is experiencing financial difficulty, may be measured based on the fair value of the collateral or the fair value of collateral less estimated costs to sell. Allowance for Credit Losses on Unfunded Commitments The Company records a reserve, reported in other liabilities, for expected credit losses on commitments to extend credit that are not unconditionally cancelable by the Company. The reserve for unfunded commitments is measured based on the principles utilized in estimating the allowance for credit losses on loans and an estimate of the amount of unfunded commitments expected to be advanced. Changes in the reserve for unfunded commitments are recorded through the provision for credit losses. The reserve totaled $ 479 thousand and $ 65 thousand at December 31, 2023 and 2022 , respectively. The initial adjustment for the adoption of ASC 326 was an increase in the reserve of $ 406 thousand and the Company recorded a provision of $ 8 thousand for the twelve months ended December 31, 2023 . 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. These amounts are recorded in noninterest income and are generally not subject to income taxes. 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. Ch anges 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 On May 16, 2023, the Company’s shareholders approved the 2023 Stock Incentive Plan which allows key employees and directors to increase their personal financial interest in the Company. The 2023 plan permits the issuance of incentive stock options and non-qualified stock options and the award of common stock, restricted stock, and stock units. The plan authorized the issuance of up to 250,000 shares of common stock. The 2023 Stock Incentive Plan replaced the 2014 Stock Incentive Plan and 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 2022 financial statements to conform to reporting for 2023 . 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, 2023 2022 Average number of common shares outstanding 3,523,547 3,482,368 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,523,547 3,482,368 There were no potentially dilutive securities outstanding in 2023 or 2022 . 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 three reportable business segments through the Bank: community banking, marine lending and wealth management. 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 June 21, 2023, th e Company renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2024. During 2023 , the Company purchased 8,531 shares of its Common Stock under its stock repurchase program at an average price of $ 35.34 . During 2022 , the Company purchased 4,442 shares of its Common Stock under its stock repurchase program at an average price of $ 34.79 . The maximum number of shares that may yet be purchased under the June 2023 plan as of December 31, 2023 is 145,059 . Recent Accounting Pronouncements a nd Other Authoritative Guidance Recently Adopted In June 2016, the FASB issued Accounting Standards Update ("ASU") 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial

Securities

Securities	12 Months Ended
	Dec. 31, 2023
Debt Securities, Available-for-Sale [Abstract]
Securities	NOTE 2. Securities On January 1, 2023, the Company adopted ASC 326, which made changes to accounting for available for sale debt securities whereby credit losses should be presented as an allowance, rather than as a write-down when management does not intend to sell and does not believe it is more likely than not they will be required to sell a security prior to the recovery of its amortized cost basis. Should the Company classify debt securities as held-to-maturity in future periods, ASC 326 would also require the Company to measure an expected credit losses under the CECL methodology that would require consideration of a broader range of reasonable and supportable information to inform credit loss estimates. All securities information presented as of December 31, 2023 is in accordance with ASC 326. All securities information presented as of December 31, 2022 or a prior date is presented in accordance with previously applicable GAAP. Amortized costs and fair values of securities available for sale at December 31, 2023 and 2022 were as follows: Amortized Gross Gross Fair December 31, 2023 (in thousands) Obligations of U.S. government corporations and agencies $ 9,258 $ — $ ( 667 ) $ 8,591 Mortgage-backed securities 140,052 — ( 21,230 ) 118,822 Obligations of states and political subdivisions 6,191 1 ( 261 ) 5,931 Subordinated debt 4,750 — ( 651 ) 4,099 $ 160,251 $ 1 $ ( 22,809 ) $ 137,443 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 Accrued interest receivable on debt securities available for sale totaled $ 393 thousand and $ 431 thousand at December 31, 2023 and 2022, respectively and is included in the other assets line item in the Consolidated Balance Sheets. Carrying amounts of restricted securities at December 31, 2023 and 2022 were as follows: December 31, 2023 December 31, 2022 (in thousands) Federal Reserve Bank Stock $ 344 $ 944 Federal Home Loan Bank Stock 9,084 8,149 Community Bankers’ Bank Stock 140 140 $ 9,568 $ 9,233 The amortized cost and fair value of securities available for sale at December 31, 2023, by contractual maturity, are shown below. Maturities may differ from contractual maturities primarily in mortgage-backed securities (others could be called) 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 $ 1,268 $ 1,256 Due after one year through five years 6,114 5,799 Due after five years through ten years 19,434 17,568 Due after ten years 133,435 112,820 $ 160,251 $ 137,443 During the twelve months ended December 31, 2023, the Company did not sell any available for sale securities. 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 thousand. 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, 2023 and 2022 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross December 31, 2023 (in thousands) Obligations of U.S. government corporations and agencies $ — $ — $ 8,591 $ 667 $ 8,591 $ 667 Mortgage-backed securities — — 118,822 21,230 118,822 21,230 Obligations of states and political subdivisions — — 5,430 261 5,430 261 Subordinated debt 221 29 3,378 622 3,599 651 $ 221 $ 29 $ 136,221 $ 22,780 $ 136,442 $ 22,809 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 Gross unrealized losses on available for sale securities included one hundred three (103) and one hundred four (104) debt securities at December 31, 2023 and December 31, 2022, respectively. The Company concluded that a credit loss does not exist in its securities portfolio at December 31, 2023, an d no impairment loss has been recognized based on the fact that (1) changes in fair value were caused primarily by fluctuations in interest rates, (2) securities with unrealized losses had generally high credit quality, (3) the Company intends to hold these investments in debt securities to maturity and it is more-likely-than-not that the Company will not be required to sell these investments before a recovery of its investment, and (4) issuers have continued to make timely payments of principal and interest. Additionally, the Company’s mortgage-backed securities are entirely issued by either U.S. government agencies or U.S. government-sponsored enterprises. Collectively, these entities provide a guarantee, which is either explicitly or implicitly supported by the full faith and credit of the U.S. government, that investors in such mortgage-backed securities will receive timely principal and interest payments. Securities having a carrying value of $ 13.9 million at December 31, 2023 were pledged as security for trust accounts.

Loans

Loans	12 Months Ended
	Dec. 31, 2023
Loans and Leases Receivable Disclosure [Abstract]
Loans	NOTE 3. Loans The composition of loans at December 31, 2023 and 2022 was as follows: December 31, 2023 2022 (in thousands) Mortgage loans on real estate: Construction and & Secured by Farmland $ 84,145 $ 89,651 HELOCs 47,674 43,588 Residential First Lien - Investor 117,431 111,074 Residential First Lien - Owner Occupied 178,180 125,088 Residential Junior Liens 12,831 11,417 Commercial - Owner Occupied 251,456 232,115 Commercial - Non-Owner Occupied & Multifamily 348,879 315,326 Commercial and industrial loans: SBA PPP loans 51 74 Other commercial and industrial loans 107,777 99,571 Marine loans 251,168 230,874 Consumer loans 42,419 44,841 Overdrafts 253 218 Other loans 12,895 12,503 Total loans $ 1,455,159 $ 1,316,340 Net deferred loan costs and premiums 7,527 7,443 Allowance for credit losses ( 14,493 ) ( 11,218 ) $ 1,448,193 $ 1,312,565 At December 31, 2023 and 2022 , the Company was servicing loans totaling $ 7.7 million and $ 231.7 million, respectively for other financial institutions which are not included in the table above. Also excluded from the table above are net servicing assets of $ 153 thousand and $ 684 thousand at December 31, 2023 and 2022, respectively, which are recorded in other assets in the Consolidated Balance Sheets. On August 23, 2023, the Company completed the sale of certain assets of its marine finance division to an unrelated third-party. Under the Sale Agreements, the Company sold its interest in marine floor plan loans, the servicing rights associated with marine loans that had been sold to outside investors prior to August 23, 2023, and other assets that were not individually significant. Refer to Note 27 for additional information related to this transaction.

Allowance for Credit Losses on

Allowance for Credit Losses on Loans	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Allowance for Loan Losses	NOTE 4. Allowance for Credit Losses on Loans Changes in the allowance for credit losses for the years ended December 31, 2023 and 2022 were as follows: December 31, 2023 2022 (in thousands) Balance, beginning $ 11,218 $ 8,787 Cumulative effect adjustment for adoption of ASC 326 2,077 — Provision charged to operating expense 1,641 1,830 Recoveries added to the allowance 298 1,260 Credit losses charged to the allowance ( 741 ) ( 659 ) Balance, ending $ 14,493 $ 11,218 Nonaccrual and past due loans by class at December 31, 2023 were as follows: December 31, 2023 (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Mortgage real estate loans: Construction & Secured by Farmland $ — $ — $ — $ — $ 84,145 $ 84,145 $ — HELOCs — — — — 47,674 47,674 — Residential First Lien - Investor 844 253 — 1,097 116,334 117,431 — Residential First Lien - Owner Occupied — 78 149 227 177,953 178,180 — Residential Junior Liens — — 9 9 12,822 12,831 — Commercial - Owner Occupied — — — — 251,456 251,456 — Commercial - Non-Owner Occupied & Multifamily — — — — 348,879 348,879 — Commercial and industrial loans: SBA PPP loans — — — — 51 51 — Other commercial and industrial loans 9 — 26 35 107,742 107,777 14 Marine loans — — 552 552 250,616 251,168 — Consumer loans 173 — 167 340 42,079 42,419 167 Overdrafts — — — — 253 253 — Other loans — — — — 12,895 12,895 — Total $ 1,026 $ 331 $ 903 $ 2,260 $ 1,452,899 $ 1,455,159 $ 181 December 31, 2023 (in thousands) Nonaccruals with No Allowance for Credit Losses Nonaccrual with an Allowance for Credit Losses Nonaccrual Mortgage real estate loans: Construction & Secured by Farmland $ 95 $ — $ 95 HELOCs 15 — 15 Residential First Lien - Investor 1,085 — 1,085 Residential First Lien - Owner Occupied 228 — 228 Residential Junior Liens 11 — 11 Commercial - Owner Occupied 22 — 22 Commercial - Non-Owner Occupied & Multifamily 3,625 — 3,625 Commercial and industrial loans: SBA PPP loans — — — Other commercial and industrial loans 12 — 12 Marine loans 552 — 552 Consumer loans — — — Overdrafts — — — Other loans — — — Total $ 5,645 $ — $ 5,645 Nonaccrual and past due loans by class at December 31, 2022 were as follows: December 31, (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Nonaccrual Mortgage real estate loans: Construction & Secured by Farmland $ — $ — $ 101 $ 101 $ 89,550 $ 89,651 $ — $ 397 HELOCs 149 — — 149 43,439 43,588 — 155 Residential First Lien - Investor — — — — 111,074 111,074 — — Residential First Lien - Owner Occupied 222 — 39 261 124,827 125,088 — 175 Residential Junior Liens — — — — 11,417 11,417 — 6 Commercial - Owner Occupied — — — — 232,115 232,115 — — Commercial - Non-Owner Occupied & Multifamily — — — — 315,326 315,326 — 1,356 Commercial and industrial loans: SBA PPP loans — — — — 74 74 — — Other commercial and industrial loans 15 — 73 88 99,483 99,571 — 73 Marine loans — — — — 230,874 230,874 — — Consumer loans 56 — 318 374 44,467 44,841 318 — Overdrafts — — — — 218 218 — — Other loans — — — — 12,503 12,503 — — Total $ 442 $ — $ 531 $ 973 $ 1,315,367 $ 1,316,340 $ 318 $ 2,162 Allowance for credit losses by segment as of and for the years ended December 31, 2023 and December 31, 2022 were as follows: December 31, 2023 (in thousands) Construction Residential Commercial Commercial Marine Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 2,714 $ 1,735 $ 2,221 $ 2,222 $ 1,555 $ 299 $ 472 $ — $ 11,218 Cumulative effect adjustment for adoption of ASC 326 ( 1,840 ) 1,933 3,584 ( 1,102 ) ( 285 ) ( 123 ) ( 90 ) — 2,077 Charge-Offs — — — ( 312 ) ( 126 ) ( 121 ) ( 182 ) — ( 741 ) Recoveries 8 18 — 43 — 48 181 — 298 Provision ( 110 ) 1,039 419 176 9 95 13 — 1,641 Ending balance $ 772 $ 4,725 $ 6,224 $ 1,027 $ 1,153 $ 198 $ 394 $ — $ 14,493 Ending balance: Individually evaluated $ — $ — $ — $ — $ — $ — $ — $ — $ — Ending balance: collectively evaluated $ 772 $ 4,725 $ 6,224 $ 1,027 $ 1,153 $ 198 $ 394 $ — $ 14,493 Loans: Ending balance $ 84,145 $ 356,116 $ 600,335 $ 107,828 $ 251,168 $ 42,419 $ 13,148 $ — $ 1,455,159 Ending balance individually evaluated $ 95 $ 1,288 $ 3,639 $ — $ 552 $ — $ — $ — $ 5,574 Ending balance collectively evaluated $ 84,050 $ 354,828 $ 596,696 $ 107,828 $ 250,616 $ 42,419 $ 13,148 $ — $ 1,449,585 December 31, 2022 (in thousands) Construction Residential Commercial Commercial Marine Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 2,794 $ 1,671 $ 1,729 $ 1,294 $ 789 $ 219 $ 291 $ — $ 8,787 Charge-Offs — ( 9 ) — ( 300 ) — ( 79 ) ( 271 ) — ( 659 ) Recoveries 9 888 197 109 — 44 13 — 1,260 Provision ( 89 ) ( 815 ) 295 1,119 766 115 439 — 1,830 Ending balance $ 2,714 $ 1,735 $ 2,221 $ 2,222 $ 1,555 $ 299 $ 472 $ — $ 11,218 Ending balance: Individually evaluated for impairment $ — $ 27 $ — $ 73 $ — $ — $ — $ — $ 100 Ending balance: collectively evaluated for impairment $ 2,714 $ 1,708 $ 2,221 $ 2,149 $ 1,555 $ 299 $ 472 $ — $ 11,118 Loans: Ending balance $ 89,651 $ 291,167 $ 547,441 $ 99,645 $ 230,874 $ 44,841 $ 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 $ 287,448 $ 545,746 $ 99,504 $ 230,874 $ 44,819 $ 12,721 $ — $ 1,309,719 The following table presents the amortized cost basis of collateral-dependent loans by loan portfolio segment: December 31, 2023 (in thousands) (in thousands) Real Estate Collateral Other Collateral Total Mortgage real estate loans: Construction & Secured by Farmland $ 95 $ — $ 95 HELOCs — — — Residential First Lien - Investor 1,086 — 1,086 Residential First Lien - Owner Occupied 194 — 194 Residential Junior Liens 8 — 8 Commercial - Owner Occupied 14 — 14 Commercial - Non-Owner Occupied & Multifamily 3,625 — 3,625 Commercial and industrial loans: SBA PPP loans — — — Other commercial and industrial loans — — — Marine loans — 552 552 Consumer loans — — — Overdrafts — — — Other loans — — — $ 5,022 $ 552 $ 5,574 The Company did not identify any significant changes in the extent to which collateral secures its collateral dependent loans, whether in the form of general deterioration or from other factors during the period ended December 31, 2023. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually to classify the loans as to credit risk. This analysis is performed on a quarterly basis. The following table presents risk ratings by loan portfolio segment and origination year (for 2023 only). 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. Classified Classified loans include loans rated Substandard, Doubtful and Loss. • 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 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 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, 2023 and December 31, 2022 was as follows: December 31, 2023 Term Loan Amortized Cost Basis by Origination Year (in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Mortgage real estate loans: Construction & Secured by Farmland Pass $ 34,617 $ 21,460 $ 7,584 $ 4,851 $ 2,389 $ 2,829 $ 7,052 $ 57 $ 80,839 Special Mention — 1,173 — — 1,040 815 — — 3,028 Classified — — — 145 — 133 — — 278 Total $ 34,617 $ 22,633 $ 7,584 $ 4,996 $ 3,429 $ 3,777 $ 7,052 $ 57 $ 84,145 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — HELOCs Pass $ — $ — $ — $ — $ — $ — $ 47,610 $ — $ 47,610 Special Mention — — — — — — 49 — 49 Classified — — — — — — 15 — 15 Total $ — $ — $ — $ — $ — $ — $ 47,674 $ — $ 47,674 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential First Lien - Investor Pass $ 19,394 $ 23,205 $ 31,371 $ 10,667 $ 4,054 $ 22,265 $ — $ 367 $ 111,323 Special Mention — 1,273 — 1,180 626 1,944 — — 5,023 Classified — — 1,085 — — — — — 1,085 Total $ 19,394 $ 24,478 $ 32,456 $ 11,847 $ 4,680 $ 24,209 $ — $ 367 $ 117,431 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential First Lien - Owner Occupied Pass $ 59,007 $ 33,793 $ 23,749 $ 35,783 $ 3,932 $ 20,413 $ — $ 589 $ 177,266 Special Mention — — — — — 258 — — 258 Classified — — — — — 656 — — 656 Total $ 59,007 $ 33,793 $ 23,749 $ 35,783 $ 3,932 $ 21,327 $ — $ 589 $ 178,180 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential Junior Liens Pass $ 2,562 $ 2,902 $ 3,429 $ 1,486 $ 606 $ 1,613 $ — $ 189 $ 12,787 Special Mention — — — — — — — — — Classified — — — — — 27 — 17 44 Total $ 2,562 $ 2,902 $ 3,429 $ 1,486 $ 606 $ 1,640 $ — $ 206 $ 12,831 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial - Owner Occupied Pass $ 36,736 $ 68,868 $ 40,707 $ 22,871 $ 13,971 $ 50,059 $ 3,088 $ 4,364 $ 240,664 Special Mention — 3,817 64 2,145 1,877 1,402 — — 9,305 Classified — — 967 498 — 8 — 14 1,487 Total $ 36,736 $ 72,685 $ 41,738 $ 25,514 $ 15,848 $ 51,469 $ 3,088 $ 4,378 $ 251,456 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial - Non-Owner Occupied & Multifamily Pass $ 56,510 $ 88,518 $ 64,005 $ 65,075 $ 15,563 $ 34,619 $ 1,196 $ 5,651 $ 331,137 Special Mention 624 4,748 3,685 5,060 — — — — 14,117 Classified — — — 2,355 — 1,270 — — 3,625 Total $ 57,134 $ 93,266 $ 67,690 $ 72,490 $ 15,563 $ 35,889 $ 1,196 $ 5,651 $ 348,879 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans: SBA PPP loans Pass $ — $ — $ 51 $ — $ — $ — $ — $ — $ 51 Special Mention — — — — — — — — — Classified — — — — — — — — — Total $ — $ — $ 51 $ — $ — $ — $ — $ — $ 51 December 31, 2023 Term Loan Amortized Cost Basis by Origination Year (in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Other commercial and industrial loans Pass $ 15,052 $ 26,798 $ 8,659 $ 4,824 $ 2,629 $ 3,898 $ 43,188 $ 1,005 $ 106,053 Special Mention 1,125 — — 13 1 9 220 344 1,712 Classified — — — 3 — — 9 — 12 Total $ 16,177 $ 26,798 $ 8,659 $ 4,840 $ 2,630 $ 3,907 $ 43,417 $ 1,349 $ 107,777 Current period gross charge-offs $ 231 $ 81 $ — $ — $ — $ — $ — $ — $ 312 Marine loans Pass $ 86,001 $ 128,456 $ 35,492 $ 667 $ — $ — $ — $ — $ 250,616 Special Mention — — — — — — — — — Classified 367 185 — — — — — — 552 Total $ 86,368 $ 128,641 $ 35,492 $ 667 $ — $ — $ — $ — $ 251,168 Current period gross charge-offs $ — $ 126 $ — $ — $ — $ — $ — $ — $ 126 Consumer loans Pass $ 3,427 $ 13,950 $ 6,205 $ 8,687 $ 1,747 $ 21 $ 8,354 $ 28 $ 42,419 Special Mention — — — — — — — — — Classified — — — — — — — — — Total $ 3,427 $ 13,950 $ 6,205 $ 8,687 $ 1,747 $ 21 $ 8,354 $ 28 $ 42,419 Current period gross charge-offs $ — $ 3 $ — $ 66 $ — $ — $ 52 $ — $ 121 Overdrafts Pass $ — $ — $ — $ — $ — $ — $ — $ — $ — Special Mention — — — — — — — — — Classified 253 — — — — — — — 253 Total $ 253 $ — $ — $ — $ — $ — $ — $ — $ 253 Current period gross charge-offs $ 182 $ — $ — $ — $ — $ — $ — $ — $ 182 Other loans Pass $ 69 $ 10,176 $ — $ — $ — $ 2,587 $ 55 $ 8 $ 12,895 Special Mention — — — — — — — — — Classified — — — — — — — — — Total $ 69 $ 10,176 $ — $ — $ — $ 2,587 $ 55 $ 8 $ 12,895 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total by Risk Category Pass $ 313,375 $ 418,126 $ 221,252 $ 154,911 $ 44,891 $ 138,304 $ 110,543 $ 12,258 $ 1,413,660 Special Mention 1,749 11,011 3,749 8,398 3,544 4,428 269 344 33,492 Classified 620 185 2,052 3,001 — 2,094 24 31 8,007 Total $ 315,744 $ 429,322 $ 227,053 $ 166,310 $ 48,435 $ 144,826 $ 110,836 $ 12,633 $ 1,455,159 Total current period gross charge-offs $ 413 $ 210 $ — $ 66 $ — $ — $ 52 $ — $ 741 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

Restructurings for Borrowers Ex

Restructurings for Borrowers Experiencing Financial Difficulty	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Restructurings for Borrowers Experiencing Financial Difficulty	NOTE 5. Restructurings for Borrowers Experiencing Financial Difficulty The Company adopted the amendments in ASU 2022-02, which eliminated accounting guidance on TDR loans for creditors and requires enhanced disclosures for loan modifications to borrowers experiencing financial difficulty that we made on or after January 1, 2023. The following table presents the amortized cost of loans that were modified during the twelve months ended December 31, 2023 by loan portfolio segment: Twelve Months Ended December 31, 2023 (in thousands) Term Extension Total % of Total Class of Loans Mortgage real estate loans: Residential First Lien - Owner Occupied $ 355 $ 355 0.20 % Total $ 355 $ 355 None of the loans that were modified defaulted during the twelve months ended December 31, 2023 and the loans remained current with contractual payments as of December 31, 2023. The financial effects of the term extensions during the period added a weighted average of 1.0 years to the life of loans which reduced the payment amounts for the borrowers. Prior to the adoption of ASU 2022-02, the Company accounted for a modification to the contractual terms of a loan that resulted in granting a concession to a borrower experiencing financial difficulties as a TDR. There were twenty eight ( 28 ) troubled debt restructured loans totaling $ 4.6 million at December 31, 2022. Two loans, totaling $ 133 thousand, were in nonaccrual status at December 31, 2022. The following tables set forth information on the Company’s troubled debt restructurings by class of loans occurring during the year ended December 31, 2022: Twelve Months Ended December 31, 2022 (in thousands) Number of Pre-Modification Post-Modification Commercial - Non Real Estate: Commercial & Industrial Commercial Real Estate Owner Occupied 1 $ 185 $ 185 Non-owner occupied 1 161 161 Construction and Farmland Commercial 1 639 639 Consumer: Installment 1 20 21 Residential Equity Single family 9 1,676 1,704 Total 13 $ 2,681 $ 2,710 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. There were no payment defaults during the twelve months ended December 31, 2022 for TDRs that were restructured within the preceding twelve-month period. 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, 2023
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, 2023 and 2022 were as follows: December 31, 2023 2022 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 19,247 18,649 Furniture and equipment 9,729 9,345 $ 35,620 $ 34,638 Less accumulated depreciation 17,512 16,574 Bank premises and equipment, net $ 18,108 $ 18,064 Depreciation expense on buildings and improvements was $ 498 thousand and $ 486 thousand for the years ended 2023 and 2022 , respectively. Depreciation expense on furniture and equipment was $ 504 thousand and $ 493 thousand for the years ended 2023 and 2022 , respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Deposits	NOTE 7. Deposits The composition of deposits at December 31, 2023 and December 31, 2022 was as follows: December 31, 2023 December 31, 2022 (in thousands) Noninterest bearing demand deposits $ 436,619 $ 478,750 Savings and interest bearing demand deposits: NOW accounts $ 253,353 $ 189,144 Money market accounts 263,633 265,290 Regular savings accounts 139,453 172,997 $ 656,439 $ 627,431 Time deposits: Balances of less than $250,000 $ 257,418 $ 87,531 Balances of $250,000 or greater 155,846 70,363 $ 413,264 $ 157,894 $ 1,506,322 $ 1,264,075 Savings and interest bearing demand deposits included $ 115.7 million and $ 59.5 million in reciprocal deposits at December 31, 2023 and 2022 , respectively. Time deposits with balances of less than $250,000 included $ 30.1 million and $ 4.6 million in brokered certificates of deposit at December 31, 2023 and 2022, respectively. The outstanding balance of time deposits at December 31, 2023 was due as follows: December 31, 2023 (in thousands) 2024 $ 402,814 2025 5,019 2026 2,450 2027 1,844 2028 327 Thereafter 810 $ 413,264 Deposit overdrafts reclassified as loans totale d $ 253 thou san d and $ 218 thousand at December 31, 2023 and 2022 , respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2023
Advance from Federal Home Loan Bank [Abstract]
Borrowings	NOTE 8. Borrowings The Company has borrowings in the form of federal funds purchased, Federal Home Loan Bank of Atlanta ("FHLB") advances and subordinated notes. The following table presents selected information on short-term borrowings for the years ended December 31, 2023 and 2022, consisting of FHLB advances and federal funds purchased. December 31, 2023 2022 (dollars in thousands) Balance at year-end $ 20,000 $ 207,980 Average balance during the year $ 45,801 $ 47,470 Average interest rate during the year 4.68 % 3.09 % Maximum month-end balance during the year $ 150,000 $ 207,980 At December 31, 2023 and 2022 , the Company's short-term FHLB advances totaled $ 20.0 million and $ 175.0 million, respectively, and federal funds purchased totaled $ 0 and $ 33.0 million, respectively. The Company's long-term borrowings with the FHLB were $ 145.0 million and $ 0 at December 31, 2023 and 2022, respectively. 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. At December 31, 2023 these available lines totaled $ 78.0 million. The Company had $ 115.6 million in irrevocable letters of credit at December 31, 2023 with the FHLB to secure public deposits. As of December 31, 2023 , Company had remaining credit availability in the amount of $ 169.6 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. On March 31, 2022, the Company entered into Subordinated Note Purchase Agreements with certain purchasers pursuant to which the Company issued and sold $ 30.0 million in aggregate principal amount of its 4.50 % Fixed-to-Floating Rate Subordinated Notes due April 1, 2032 (the "Notes"). The net proceeds of the Notes were used for general corporate purposes, organic growth and to support the Bank's regulatory capital ratios. The Notes were structured to qualify as Tier 2 capital for regulatory capital purposes at the holding company and bear an initial interest rate of 4.50 % until April 1, 2027 , with interest during this period payable semi-annually in arrears. From and including April 1, 2027, but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an annual floating rate equal to three-month SOFR, plus 2.35 % with interest during the period payable quarterly in arrears. The Notes are redeemable by the Company at its option, in whole or in part, on or after April 1, 2027 . Initial debt issuance costs were $ 673 thousand. The debt balance of $ 30.0 million is presented net of unamortized issuance costs of $ 556 thousand and $ 623 thousand at December 31, 2023 and 2022 , respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
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 2020. The net deferred tax asset at December 31, 2023 and 2022 consisted of the following components: December 31, 2023 2022 (in thousands) Deferred tax assets: Allowance for credit losses $ 3,043 $ 2,342 Reserve for unfunded commitments 101 14 Share-based compensation 327 222 Accrued postretirement benefits 18 21 Home equity origination costs 85 81 Accrued incentive benefit 89 — Nonaccrual interest 75 48 Lease liabilities 977 1,045 Credit carryforward 1,689 648 Securities available for sale 4,790 5,440 Other 25 26 $ 11,219 $ 9,887 Deferred tax liabilities: Property and equipment $ 853 $ 710 Right-of-use assets 921 1,001 Loan servicing rights 32 144 $ 1,806 $ 1,855 Net deferred tax asset $ 9,413 $ 8,032 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, 2023 and 2022 consisted of the following components: December 31, 2023 2022 (in thousands) Current tax expense $ 2,785 $ 3,236 Deferred tax (benefit) ( 1,509 ) ( 86 ) $ 1,276 $ 3,150 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, 2023 and 2022. December 31, 2023 2022 (in thousands) Statutory federal corporate tax amount $ 2,232 $ 3,711 Tax-exempt interest (income) ( 76 ) ( 81 ) Officer insurance (income) ( 134 ) ( 131 ) Net tax credits ( 756 ) ( 353 ) Other, net 10 4 $ 1,276 $ 3,150 The effective tax rates were 12.00 % and 17.83 % for years ended December 31, 2023 and 2022 , 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, 2023
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Stock-Based Compensation	NOTE 10. Stock-Based Compensation On May 16, 2023, the Company's shareholders approved the 2023 Stock Incentive Plan ("the 2023 Plan") which allows key employees and directors to increase their personal financial interest in the Company. The 2023 Plan permits the issuance of incentive stock options and non-qualified stock options and the award of common stock, restricted stock, and stock units. The plan authorizes the issuance of up to 250,000 shares of common stock. The 2023 Plan replaced the 2014 Stock Incentive Plan . To date, equity awards have only been issued in the form of restricted stock. The Company periodically grants restricted stock to its directors, executive officers and certain non-executive officers. Restricted stock provides grantees with rights to shares of common stock upon completion of a service period or achievement of Company performance measures. During the restriction period, all shares are considered outstanding and dividends are paid to the grantee. Outside directors are periodically granted restricted shares which, beginning in 2023, vest over a period of one year . Prior to 2023 the vesting period for outside directors was typically less than nine months. Executive officers have been granted restricted shares which vest over a three year service period and restricted shares which vest based on meeting performance measures over a two year period. Certain non-executive officers also were granted restricted shares which vest over a three year service period. The following table presents the activity for restricted stock awards for the years ended December 31, 2023 and 2022: Twelve Months Ended December 31, 2023 2022 Shares Weighted Shares Weighted Nonvested, beginning of period 38,780 $ 33.47 31,738 $ 30.70 Granted 37,941 35.79 31,648 35.19 Vested ( 17,402 ) 33.26 ( 23,079 ) 32.11 Forfeited ( 2,405 ) 35.40 ( 1,527 ) 32.13 Nonvested, end of period 56,914 $ 35.06 38,780 $ 33.47 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 $ 1.2 million and $ 1.0 million during December 31, 2023 and 2022 , respectively. The total grant date fair value of restricted stock which vested was $ 579 thousand and $ 741 thousand for the years ended December 31, 2023 and 2022 , respectively. The total vest date fair value of restricted stock which vested was $ 609 thousand and $ 819 thousand for the years ended December 31, 2023 and 2022 , respectively. Unrecognized compensation cost related to unvested restricted stock was $ 456 thousand at December 31, 2023 . 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, 2023
Retirement Benefits [Abstract]
Employee Benefits	NOTE 11. Employee Benefits 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. The 401(k) plan includes a non-elective safe-harbor employer contribution and an age-weighted employer contribution. Qualifying employees receive non-elective safe-harbor contributions equal to three percent of their salary. Company match and safe-harbor contributions are contributed each pay period. Qualifying employees will receive an additional annual 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 $ 2.2 million in 2023 and $ 1.9 million in 2022. 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 $ 4 thousand and $ 8 thousand at December 31, 2023 and 2022 , respectively. The executive supplemental income benefit expense, based on the present value of the retirement benefits, was $ 29 thousand in 2023 and 2022. 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. The Company's Employee Stock Ownership Plan ("ESOP") was terminated during the second quarter of 2023 and, as of December 31, 2023, all plan assets have been disbursed. As part of the termination process, and as required by applicable law, participants were offered the opportunity to direct the Company to repurchase shares of Company stock distributed from the ESOP. A total of 3,772 shares were repurchased and 91,505 shares moved to participant accounts. There were no contributions in 2023 and 2022.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022. See Note 18 with respect to financial instruments with off-balance-sheet risk.

Leases

Leases	12 Months Ended
	Dec. 31, 2023
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, 2023 December 31, 2022 Lease liability $ 4,653 $ 4,978 Right-of-use asset $ 4,387 $ 4,766 Weighted average remaining lease term 14 years 14 years Weighted average discount term 3.09 % 3.04 % Twelve Months Ended Lease Cost December 31, 2023 December 31, 2022 Operating lease cost $ 528 $ 528 Variable lease cost — — Short-term lease cost 14 15 Total lease cost $ 542 $ 543 Cash paid for amounts included in the measurement of lease liabilities $ 473 $ 466 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, 2023 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 Twelve months ending December 31, 2028 395 Thereafter 3,754 Total undiscounted cash flows $ 5,921 Discount ( 1,268 ) Lease liability $ 4,653

Transactions with Directors and

Transactions with Directors and Officers	12 Months Ended
	Dec. 31, 2023
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 $ 5.0 million and $ 5.1 million at December 31, 2023 and 2022 , respectively. These balances reflect total principal additions of $ 544 thous and and total principal payments of $ 689 thousand, during 2023. The aggregate balance of deposits from directors, principal officers and their related parties was $ 7.0 mil lion and $ 11.1 million at December 31, 2023 and 2022 , respectively.

Capital Requirements

Capital Requirements	12 Months Ended
	Dec. 31, 2023
Banking Regulation, Total Capital [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 provided 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 removed 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. The Bank entered the CLBR two-quarter grace period on June 30, 2023, having fallen below the minimum ratio of 9 %, and at December 31, 2023 its leverage ratio was 8.48 %. Therefore, the amounts and ratios at December 31, 2023 are presented using the risk-based capital framework and not the CLBR. At December 31, 2023, and 2022, management believes the Bank met all capital adequacy requirements to which it was subject. Additionally, at December 31, 2023, 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, 2023 and 2022: Actual Minimum Capital Minimum To Be Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2023 Common Equity Tier 1 Capital to Risk Weighted Assets $ 155,453 10.27 % $ 68,121 4.50 % $ 98,397 6.50 % Total Capital to Risk Weighted Assets 168,925 11.16 % 121,104 8.00 % 151,380 10.00 % Tier 1 Capital to Risk Weighted Assets 155,453 10.27 % 90,828 6.00 % 121,104 8.00 % Tier 1 Capital to Average Assets 155,453 8.48 % 73,367 4.00 % 91,709 5.00 % December 31, 2022 Tier 1 Capital to Average Assets 142,530 9.15 % n/a n/a 140,210 9.00 % In addition to the minimum regulatory capital required for capital adequacy purposes under the risk-based capital framework, financial institutions also required to maintain a minimum capital conservation buffer of greater than 2.5 % in order to avoid restrictions on capital distributions and other payments. At December 31, 2023, the Bank's capital levels exceeded the minimum regulatory capital requirements plus the capital conservation buffer. Under CLBR, the Bank was not subject to the capital conservation buffer.

Restrictions On Dividends, Loan

Restrictions On Dividends, Loans, and Advances	12 Months Ended
	Dec. 31, 2023
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, 2023 , the Bank’s retained earnings available for the payment of dividends to the Company was $ 32.3 million. Accordingly, $ 103.9 million of the Company’s equity in the net assets of the Bank was restricted at December 31, 2023 . Funds available for loans or advances by the Bank to the Company amounted to $ 16.9 million at December 31, 2023 .

Dividend Investment Plan

Dividend Investment Plan	12 Months Ended
	Dec. 31, 2023
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 th e Plan during 2023 and 2022.

Financial Instruments with Off-

Financial Instruments with Off-Balance-Sheet Risk	12 Months Ended
	Dec. 31, 2023
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 losses 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. As of January 1, 2023, unfunded loan commitments that are not unconditionally cancelable by the Company are measured for expected credit losses under ASU 2016-13. The adoption of ASU 2016-13 on January 1, 2023, resulted in an adjustment to the Company's reserve for unfunded loan commitments of $ 406 thousand. At December 31, 2023 , the reserve balance totaled $ 479 thousand. At December 31, 2023 and 2022, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2023 December 31, 2022 (dollars in thousands) Commitments to extend credit $ 37,724 $ 27,927 Unfunded commitments under lines of credit 227,717 191,259 Commercial and standby letters of credit 3,964 7,069 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, 2023 , $ 3.8 million of the o utstanding letters of credit were collateralized. The Bank has cash accounts in other commercial banks. The amount on deposit in these banks at December 31, 2023 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $ 9.0 million.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2023
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 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, 2023 and 2022 consisted of the following: December 31, 2023 December 31, 2022 (dollar in thousands) Noninterest income: Wealth management fees(1): Trust asset management fees $ 3,871 $ 3,095 Brokerage commissions 1,055 1,054 Service charges on deposit accounts(1): Overdrawn account fees 1,399 1,194 Monthly and other service charges 411 424 Other service charges and fees: Interchange fees (1) 449 366 ATM fees (1) 3,392 3,103 Secondary market fees — 3 Other charges and fees (2) 572 471 Gain (loss) on the sale and disposal of bank premises and equipment (1) 14 ( 11 ) Gain on the sale of marine finance assets 435 — (Loss) on sale of securities — ( 737 ) Gain on sale of loans 1,428 1,875 Bank owned life insurance income 713 626 Other operating income (3) 1,006 1,882 Total noninterest income $ 14,745 $ 13,345 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $327 thousand and $309 thousand for the years ended December 31, 2023 and 2022 , respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $778 thousand and $1.2 million for the years ended December 31, 2023 and 2022 , 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, 2023 and December 31, 2022 , the Company did not have any significant contract balances.

Quarterly Condensed Statements

Quarterly Condensed Statements of Income	12 Months Ended
	Dec. 31, 2023
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 2023 and 2022 are summarized as follows: 2023 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 18,558 $ 20,364 $ 22,191 $ 22,015 Net interest income after provision for credit losses 11,980 12,039 12,700 11,923 Noninterest income 3,526 3,357 4,209 3,653 Noninterest expenses 12,386 12,955 14,133 13,280 Income before income taxes 3,120 2,441 2,776 2,296 Net income 2,585 2,058 2,319 2,395 Net income per common share, basic 0.73 0.58 0.66 0.69 Net income per common share, diluted 0.73 0.58 0.66 0.69 Dividends per common share 0.30 0.30 0.30 0.30 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 credit 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

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2023
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 section provides a description of the valuation methodologies used for instruments measured at fair value on a recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy: Securities Available for Sale: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Derivative instruments are recorded at fair value on a recurring basis. The Company utilizes derivative instruments as part of the management of interest rate risk to modify the re-pricing characteristics of certain portions of the Company’s interest-bearing assets and liabilities. The Company has contracted with a third-party vendor to provide valuations for derivatives using standard valuation techniques and therefore classifies such valuations as Level 2. The Company has considered counterparty credit risk in the valuation of its derivative assets and has considered its own credit risk in the valuation of its derivative liabilities. The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at December 31, 2023 and December 31, 2022: Fair Value Measurements at December 31, 2023 Using Balance as of Quoted Prices Significant Significant December 31, 2023 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 8,591 $ — $ 8,591 $ — Mortgage-backed securities 118,822 — 118,822 — Obligations of states and political subdivisions 5,931 — 5,931 — Subordinated debt 4,099 — 4,099 — Derivative: Interest rate swaps on loans 1,465 — 1,465 — Total assets at fair value $ 138,908 $ — $ 138,908 $ — Liabilities: Interest rate swaps on loans $ 1,465 $ 1,465 $ — Total liabilities at fair value $ 1,465 $ — $ 1,465 $ — 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 $ — U.S. treasury notes — — — 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 $ — 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: Individually Evaluated Collateral-Dependent Loans: The estimated fair value of individually evaluated collateral-dependent loans is based on the value of the underlying collateral or the value of the underlying collateral, less estimated cost to sell, as appropriate. Collateral is generally real estate; however, collateral may include vehicles, equipment, inventory, accounts receivable, and/or other business assets. The value of real estate collateral is determined using a market valuation approach based on an appraisal conducted by an independent, licensed appraiser. The value of other assets may also be based on an appraisal, market quotations, aging schedules or other sources. Collateral-dependent individually evaluated loans are classified within Level 3 of the fair value hierarchy. Any fair value adjustments are recorded in the period incurred as a provision for credit losses on the Consolidated Statements of Income. There were no individually evaluated collateral dependent loans recorded at fair value at December 31, 2023 or 2022. 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 credit losses on loans. 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 collateral-dependent 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 $ 0 and $ 108 thousand in other real estate owned at December 31, 2023 and 2022, respectively. 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, 2023. Fair value is based on prices the secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). The Company records any fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale at December 31, 2023 and December 31, 2022. The following table displays quantitative information about Level 3 Fair Value Measurements for certain financial assets measured at fair value on a nonrecurring basis at December 31, 2022: Quantitative information about Level 3 Fair Value Measurements December 31, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average Assets: Other real estate owned Discounted contract price Discount for selling costs 6 % 6 % (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: 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) Nonfinancial Assets: Other real estate owned $ 108 $ — $ 108 $ — The carrying amount and fair value of the Company’s financial instruments at December 31, 2023 and 2022 were as follows: Fair Value Measurements at December 31, 2023 Using Carrying Quoted Significant Significant Fair Value December 31, 2023 (Level 1) (Level 2) (Level 3) December 31, 2023 (in thousands) Financial Assets: Cash and short-term investments $ 138,353 $ 138,353 $ — $ — $ 138,353 Securities available for sale 137,443 — 137,443 — 137,443 Restricted Investments 9,568 — 9,568 — 9,568 Loans held for sale 1,661 — 1,661 — 1,661 Loans, net 1,448,193 — — 1,377,017 1,377,017 Bank owned life insurance 29,575 — 29,575 — 29,575 Accrued interest receivable 5,008 — 5,008 — 5,008 Interest rate swaps 1,465 — 1,465 — 1,465 Financial Liabilities: Deposits $ 1,506,322 $ — $ 1,506,147 $ — $ 1,506,147 Federal Home Loan Bank advances, short-term 20,000 — 19,954 — 19,954 Federal Home Loan Bank advances, long-term 145,000 — 145,141 — 145,141 Subordinated debt 29,444 — 25,581 — 25,581 Accrued interest payable 2,364 — 2,364 — 2,364 Interest rate swaps 1,465 — 1,465 — 1,465 Fair Value Measurements at December 31, 2022 Using Carrying Quoted Prices 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 available for sale 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 swaps 1,017 — 1,017 — 1,017 Financial Liabilities: Deposits $ 1,264,075 $ — $ 1,262,859 $ — $ 1,262,859 Federal funds purchased and securities sold under agreements to repurchase 32,980 — 32,980 — 32,980 Federal Home Loan Bank advances, short-term 175,000 — 174,705 — 174,705 Subordinated debt 29,377 — 26,101 — 26,101 Accrued interest payable 926 — 926 — 926 Interest rate swaps 1,017 — 1,017 — 1,017 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, 2023
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, 2023 and 2022: Twelve Months Ended December 31, 2023 2022 Unrealized Change in Total Unrealized Change in Total (dollars in thousands) (dollars in thousands) January 1 $ ( 20,465 ) $ 19 $ ( 20,446 ) $ ( 174 ) $ 19 $ ( 155 ) Other comprehensive income (loss) before reclassifications 3,095 ( 8 ) 3,087 ( 26,422 ) — ( 26,422 ) Reclassifications from other comprehensive (loss) — — — 737 — 737 Tax effect of current period changes ( 650 ) 3 ( 647 ) 5,394 — 5,394 Current period changes net of taxes 2,445 ( 5 ) 2,440 ( 20,291 ) — ( 20,291 ) December 31 $ ( 18,020 ) $ 14 $ ( 18,006 ) $ ( 20,465 ) $ 19 $ ( 20,446 ) For the years ended December 31, 2023 and 2022 , $ 0 and ($ 737 ) thousand, respectively, was reclassified out of accumulated other comprehensive (loss) and appeared as loss on sale of securities in the Consolidated Statement of Income. The tax benefit related to these reclassifications was $ 0 and $ 155 thousand for the years ended December 31, 2023 and 2022 , 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, 2023
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, 2023 and 2022 (dollars in thousands) 2023 2022 Assets Cash held in subsidiary bank $ 1,125 $ 8,222 Investment in subsidiary 136,130 122,767 Other assets 906 455 Total assets $ 138,161 $ 131,444 Liabilities and Shareholders’ Equity Subordinated debt $ 29,444 $ 29,377 Other liabilities 338 338 Total liabilities $ 29,782 $ 29,715 Shareholders’ Equity Common stock $ 8,660 $ 8,629 Surplus 14,280 13,268 Retained earnings 103,445 100,278 Accumulated other comprehensive (loss) ( 18,006 ) ( 20,446 ) Total shareholders’ equity $ 108,379 $ 101,729 Total liabilities and shareholders’ equity $ 138,161 $ 131,444 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2023 and 2022 (dollars in thousands) 2023 2022 Income Dividends from subsidiary bank $ 4,000 $ — Total income $ 4,000 $ — Expenses Interest expense on subordinated debt $ 1,417 $ 1,067 Other operating expenses 523 369 Total expenses $ 1,940 $ 1,436 Income (loss) before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ 2,060 $ ( 1,436 ) Income Tax (Benefit) ( 413 ) ( 315 ) Income (loss) before equity in undistributed earnings of subsidiary bank $ 2,473 $ ( 1,121 ) Equity in Undistributed Net Income of Subsidiary Bank 6,884 15,642 Net income $ 9,357 $ 14,521 Comprehensive income (loss) $ 11,797 $ ( 5,770 ) EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2023 and 2022 (dollars in thousands) 2023 2022 Cash Flows from Operating Activities Net Income $ 9,357 $ 14,521 Adjustments to reconcile net income to net cash provided by (used in) operating activities Stock-based compensation expense 1,213 1,017 Undistributed earnings of subsidiary bank ( 6,884 ) ( 15,642 ) Amortization of debt issuance costs 67 51 Changes in assets and liabilities: (Increase) in other assets ( 451 ) ( 330 ) Increase in other liabilities — 338 Net cash provided by (used in) operating activities $ 3,302 $ ( 45 ) Cash Flows from Investing Activities Capital contribution to bank subsidiary $ ( 6,000 ) $ ( 20,000 ) Net cash (used in) investing activities $ ( 6,000 ) $ ( 20,000 ) Cash Flows from Financing Activities Issuance of subordinated debt, net of issuance costs $ — $ 29,326 Cash dividends paid ( 4,229 ) ( 3,808 ) Issuance of common stock, employee benefit plan 132 164 Retirement of common stock ( 302 ) ( 154 ) Net cash (used in) provided by financing activities $ ( 4,399 ) $ 25,528 (Decrease) increase in cash $ ( 7,097 ) $ 5,483 Cash Beginning $ 8,222 $ 2,739 Ending $ 1,125 $ 8,222

Other Real Estate Owned (Notes)

Other Real Estate Owned (Notes)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Year Ended Year Ended December 31, December 31, 2023 2022 Balance, beginning $ 108 $ — Net loans transferred to OREO — 108 Gain on foreclosure — — Sales ( 108 ) — Valuation adjustments — — Balance, ending $ — $ 108 The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2023 and 2022 were as follows: As of December 31, 2023 December 31, 2022 (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, 2023 and December 31, 2022 .

Qualified Affordable Housing Pr

Qualified Affordable Housing Project Investments	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022 , the balance of the investments for qualified affordable housing projects was $ 2.0 million and $ 2.3 million, respectively. These balances are reflected in Other assets on the Consolidated Balance Sheets. There were no unfunded commitments related to the Company's qualified affordable housing projects at December 31, 2023 and 2022. During the twelve months ended December 31, 2023 and 2022 , the Company recognized amortization expense of $ 265 thousand and $ 278 thousand. The amortization expense was included in Other operating expenses on the Consolidated Statements of Income. Total estimated credits to be received during 2023 are $ 354 thousand based on the most recent quarterly estimates received from the funds. Total tax credits and other tax benefits recognized during 2023 and 2022 were $ 389 thousand and $ 387 thousand, respectively.

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2023
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, 2023 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 41,051 $ 844 $ 621 Matched interest rate swaps with counterparty 41,051 621 844 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

Business Segments

Business Segments	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Business Segments	NOTE 27. Business Segments The Company has three reportable operating segments: community banking, marine lending and wealth management. Revenue from community banking operations consist primarily of net interest income related to investments in non-marine loans 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. The wealth management division's net revenues are comprised primarily of income from offering wealth management services and insurance products through third-party service providers. On August 23, 2023, the Company completed a sale of specific assets from its marine lending segment. As part of the sale, the Company sold its interest in marine vessel floor plan loans totaling $ 52.8 million, its rights to service loans that had been sold to secondary market investors prior to the date of sale (valued at $ 595 thousand on balance sheet prior to sale), and other assets that were not individually significant. The Company received total consideration, net of selling expenses, of $ 53.5 million and recognized a gain of $ 435 thousand. The assets sold as well as their related revenues and contribution to earnings did not constitute a significant portion of the Company's assets or operating results for the year ended December 31, 2023. Subsequent to the sale of these assets, the Company retained ownership of its marine vessel retail loans which continue to constitute a significant portion of the Company's assets, revenues, and earnings. The Company expects to cease accepting new marine lending business and hold the retained outstanding loans until they are ultimately repaid. Financial information of the parent company 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 following table provides income and asset information as of and for the twelve months ended December 31, 2023 and 2022, which are included within the Consolidated Balance Sheets and Consolidated Statements of Income. Twelve Months Ended December 31, 2023 Community Banking Marine Lending Wealth Management All Other Eliminations Consolidated (in thousands) Interest Income $ 67,990 $ 15,138 $ — $ — $ — $ 83,128 Interest Expense 25,850 5,570 — 1,417 — 32,837 Net Interest Income (Expense) 42,140 9,568 — ( 1,417 ) — 50,291 Gain on sales of loans 1,117 311 — — — 1,428 Other noninterest income 7,313 1,078 4,926 — — 13,317 Net Revenue 50,570 10,957 4,926 ( 1,417 ) — 65,036 Provision for credit losses 2,051 ( 402 ) — — — 1,649 Noninterest expense 44,479 5,106 2,646 523 — 52,754 Income before taxes 4,040 6,253 2,280 ( 1,940 ) — 10,633 Income tax expense (benefit) ( 103 ) 1,313 479 ( 413 ) — 1,276 Net Income $ 4,143 $ 4,940 $ 1,801 $ ( 1,527 ) $ — $ 9,357 Other data: Capital expenditures $ 1,035 $ 36 $ — $ — $ — $ 1,071 Depreciation and amortization 1,573 224 126 67 — 1,990 Twelve Months Ended December 31, 2022 Community Banking Marine Lending Wealth Management All Other Eliminations Consolidated (in thousands) Interest Income $ 47,554 $ 7,132 $ — $ — $ — $ 54,686 Interest Expense 4,026 380 — 1,067 — 5,473 Net Interest Income (Expense) 43,528 6,752 — ( 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 51,228 8,248 4,149 ( 1,067 ) — 62,558 Provision for credit losses 1,059 771 — — — 1,830 Noninterest expense 36,401 3,695 2,590 371 — 43,057 Income before taxes 13,768 3,782 1,559 ( 1,438 ) — 17,671 Income tax expense (benefit) 2,343 794 328 ( 315 ) — 3,150 Net Income $ 11,425 $ 2,988 $ 1,231 $ ( 1,123 ) $ — $ 14,521 Other data: Capital expenditures $ 829 $ 9 $ — $ — $ — $ 838 Depreciation and amortization 1,499 236 124 51 — 1,910 Community Banking Marine Lending Wealth Management All Other Eliminations Consolidated Total assets at December 31, 2023 $ 1,562,600 $ 261,011 $ 1,080 $ 906 $ — $ 1,825,597 Total assets at December 31, 2022 1,377,461 237,595 1,206 455 — 1,616,717

Nature of Banking Activities _2

Nature of Banking Activities and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2023
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
Use of Estimates	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 credit losses on loans.
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 The Company determines the appropriate classification of securities at the time of purchase. 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 are recognized in interest income using the effective interest rate method over the period from purchase to maturity or, for callable securities, the earliest call date, and purchase discounts are recognized in the same manner from purchase to maturity. 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.
Allowance for Credit Losses on Securities	Allowance for Credit Losses on Securities For available for sale debt securities in an unrealized loss position, management first assesses whether the Company intends to sell, or if it is likely that the Company will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through a provision for credit losses charge to earnings. For debt securities available for sale that do not meet either of these criteria, management evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers both quantitative and qualitative factors, A substantial portion of the available for sale debt securities held by the Company are obligations issued by U.S. government agency and U.S. government-sponsored enterprises, including mortgage-backed securities. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies and have a long history of no credit losses. For these securities, management takes into consideration the long history of no credit losses and other factors to assess the risk of nonpayment even if the U.S. government were to default. As such, the Company utilized a zero credit loss estimate for these securities. For available for sale debt securities that are not guaranteed by U.S. government agencies and U.S. government-sponsored enterprises, management utilizes a third-party credit modeling tool based on observable market data, which assists management in identifying any potential credit risk associated with these available for sale debt securities. Qualitative factors are also considered, including the extent to which fair value is less than amortized cost, changes to the credit rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If a credit loss exists, an allowance for credit losses is recorded that reflects the amount of the impairment related to credit losses, limited by the amount by which the security's amortized cost basis exceeds its fair value. Changes in the allowance for credit losses are recorded in net income in the period of change and are included in provision for credit losses. Changes in the fair value of debt securities available for sale not resulting from credit losses are recorded in other comprehensive income (loss).
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 2023, the Company sold non-mortgage loans totaling approximatel y $ 59.6 million a s 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 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 Held for Investment	Loans Held for Investment The Company makes 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 these areas. 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 charge-offs, unearned discounts, any deferred fees or costs on originated loans, and the allowance for credit losses. The Company has elected to exclude accrued interest receivable from the amortized cost basis. Accrued interest totaled $ 4.6 million and $ 3.5 million at December 31, 2023 and 2022, and is included in the other assets line item in the Consolidated Balance Sheets. 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. A loan’s past due status is based on the contractual due date of the most delinquent payment due. Loans are generally placed on nonaccrual status when the collection of principal or interest is 90 days or more past due, or earlier, if collection is uncertain based on an evaluation of the net realizable value of the collateral and the financial strength of the borrower. Any accrued interest receivable on loans placed on nonaccrual status is reversed by an adjustment to interest income. Loans greater than 90 days past due may remain on accrual status if management determines it has adequate collateral to cover the principal and interest. For those loans that are carried on nonaccrual status, payments are first applied to principal outstanding. A loan may be returned to accrual status if the borrower has demonstrated a sustained period of repayment performance in accordance with the contractual terms of the loan and there is reasonable assurance the borrower will continue to make payments as agreed. These policies are applied consistently across our loan portfolio. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. All payments, including any interest collected, on these loans are accounted for on the cash-basis or cost-recovery method and applied to principal, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. In the ordinary course of business, the Company has entered into commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the Consolidated Balance Sheets when they are funded.
Loan Modifications	Loan Modifications The Company adopted Accounting Standards Update ("ASU") No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures” on January 1, 2023. The amendments in ASU 2022-02 eliminated the recognition and measurement of troubled debt restructurings and enhanced disclosures for loan modifications to borrowers experiencing financial difficulty. Modifications made to loans are considered for disclosure under the guidance in ASU 2022-02 if a borrower is experiencing financial difficulty, if the modification is in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay, or a term extension (or a combination thereof). Modified terms are dependent upon the financial position and needs of the individual borrower. Generally, the modifications granted are extensions of terms, deferrals of payments for an extended period or interest rate reductions. If a loan was accruing prior to being modified 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 accrual status. If a loan was on non-accrual status at the time of the modification, 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 Segment	Risks by Loan Portfolio Segment 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 or other real estate property. 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 loan portfolio is comprised of originated retail loans. Through August 22, 2023, the marine loan portfolio also included dealer floor plan loans, classified as commercial and industrial loans. On August 23, 2023, the Company completed the sale of certain assets of its marine finance division to an unrelated third-party. Under the sales agreements, the Company sold its interest in marine floor plan loans, while retaining ownership of its marine retail loans which continue to constitute a significant portion of the Company's assets, revenues, and earnings. The Company expects to cease accepting new marine lending business and hold the retained outstanding loans until they are ultimately repaid. The Company’s relationships were limited to well established dealers of global premium brand manufacturers, with the top three manufacturer customers have been in business between 30 and 100 years. Retail loans were generally limited to premium manufactures with established relationships with the Company, which have a vested interest in the secondary market pricing of their respective brand due to the limited inventory available for resale. Consequently, while not contractually committed, 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.
Allowance for Credit Losses on Loans	Allowance for Credit Losses on Loans The allowance for credit losses is established through charges to earnings in the form of a provision for credit losses. The allowance for credit losses is also increased by recoveries of amounts previously charged-off and is reduced by charge-offs on loans. Loan charge-offs are recognized as the difference between the carrying value of the loan and the estimated net realizable value or fair value of the collateral, if collateral dependent, when management believes that the collectability of the principal is unlikely. Full or partial charge-offs on collateral dependent individually analyzed loans are generally recognized when the collateral is deemed to be insufficient to support the carrying value of the loan. The allowance represents management's current estimate of expected credit losses over the contractual term of loans held for investment, and is recorded at an amount that, in management's judgment, reduces the recorded investment in loans to the net amount expected to be collected. No allowance for credit losses is recorded on accrued interest receivable and amount written-off are reversed by an adjustment to interest income. Management's judgment in determining the level of the allowance is based on evaluations of historical loan losses, current conditions and reasonable and supportable forecasts relevant to the collectability of loans. Loans that share common risk characteristics are evaluated collectively using a loss-rate, or cohort methodology to estimate its current expected credit losses on loans. The cohort method identifies and captures the balances of pooled loans with similar risk characteristics, as a point in time to form a cohort, then tracks the respective losses generated by that cohort of loans over their remaining lives. The method encompasses loan balances for as long as the loans are outstanding. Management's estimate of the allowance for credit losses on loans that are collectively evaluated also includes a qualitative assessment of available information relevant to assessing collectability that is not captured in the loss estimation process. Factors considered by management include economic conditions including reasonable and supportable forecasts of economic conditions; the nature and volume of the loan portfolio; the volume and severity of delinquencies and adversely classified loan balances; ending policy and procedures; credit administration and lending staff; loan review; concentrations of credit and the value of underlying collateral. This evaluation is inherently subjective, as it requires estimates that are susceptible to significant revision as more information becomes available. Loans that do not share common risk characteristics with other loans are evaluated individually and are not included in the collective analysis. The allowance for credit losses on loans that are individually evaluated may be estimated based on their expected cash flows, or, in the case of loans for which repayment is expected substantially through the operation or sale of collateral when the borrower is experiencing financial difficulty, may be measured based on the fair value of the collateral or the fair value of collateral less estimated costs to sell.
Allowance for Credit Losses on Unfunded Commitments	Allowance for Credit Losses on Unfunded Commitments The Company records a reserve, reported in other liabilities, for expected credit losses on commitments to extend credit that are not unconditionally cancelable by the Company. The reserve for unfunded commitments is measured based on the principles utilized in estimating the allowance for credit losses on loans and an estimate of the amount of unfunded commitments expected to be advanced. Changes in the reserve for unfunded commitments are recorded through the provision for credit losses. The reserve totaled $ 479 thousand and $ 65 thousand at December 31, 2023 and 2022 , respectively. The initial adjustment for the adoption of ASC 326 was an increase in the reserve of $ 406 thousand and the Company recorded a provision of $ 8 thousand for the twelve months ended December 31, 2023
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. These amounts are recorded in noninterest income and are generally not subject to income taxes.
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. Ch anges 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 On May 16, 2023, the Company’s shareholders approved the 2023 Stock Incentive Plan which allows key employees and directors to increase their personal financial interest in the Company. The 2023 plan permits the issuance of incentive stock options and non-qualified stock options and the award of common stock, restricted stock, and stock units. The plan authorized the issuance of up to 250,000 shares of common stock. The 2023 Stock Incentive Plan replaced the 2014 Stock Incentive Plan and 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 2022 financial statements to conform to reporting for 2023 . 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, 2023 2022 Average number of common shares outstanding 3,523,547 3,482,368 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,523,547 3,482,368 There were no potentially dilutive securities outstanding in 2023 or 2022 .
Comprehensive (Loss) 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.
Business Segments	Business Segments The Company operates in three reportable business segments through the Bank: community banking, marine lending and wealth management. 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	Stock Repurchase Program On June 21, 2023, th e Company renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2024. During 2023 , the Company purchased 8,531 shares of its Common Stock under its stock repurchase program at an average price of $ 35.34 . During 2022 , the Company purchased 4,442 shares of its Common Stock under its stock repurchase program at an average price of $ 34.79 . The maximum number of shares that may yet be purchased under the June 2023 plan as of December 31, 2023 is 145,059 .
Recent Accounting Pronouncements and Other Authoritative Guidance	Recent Accounting Pronouncements a nd Other Authoritative Guidance Recently Adopted In June 2016, the 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. ASU 2016-13, as amended, was effective for the Company on January 1, 2023. The adjustment recorded at adoption to the overall allowance for credit losses, which consisted of adjustments to the allowance for credit losses on loans, as well as an adjustment to the Company's reserve for unfunded loan commitments, was $ 2.5 million. The adjustment, net of tax, recorded to shareholders' equity totaled $ 2.0 million. In March 2022, FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU 2016-13) that introduced the CECL model. The amendments eliminated the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. ASU 2022-02 was effective for the Company on January 1, 2023. The amendments in this ASU were applied prospectively, except for the transition method related to the recognition and measurement of TDRs, which was applied using a modified retrospective transition method. Pending Adoption In December 2023, the FASB issued ASU 2023-09, "Income Taxes (Topic 740), Improvements to Income Tax Disclosures." The amendments in this ASU require an entity to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold, which is greater than five percent of the amount computed by multiplying pretax income by the entity's applicable statutory rate, on an annual basis. Additionally, the amendments in this ASU require an entity to disclose the amount of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes and the amount of income taxes paid (net of refunds received) disaggregated by individual jurisdictions that are equal to or greater than five percent of total income taxes paid (net of refunds received). Lastly, the amendments in this ASU require an entity to disclose income (or loss) from continuing operations before income tax expense (or benefit) disaggregated between domestic and foreign and income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign. This ASU is effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The amendments should be applied on a prospective basis; however, retrospective application is permitted. The Company does not expect the adoption of ASU 2023-09 to have a material impact on our consolidated financial statements. In November 2023, the Financial Accounting Standards Board (FASB) issued ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” The amendments in this ASU are intended to improve reportable segment disclosure requirements primarily through enhanced disclosures about significant segment expenses. This ASU requires disclosure of significant segment expenses that are regularly provided to the chief operating decision mark (CODM), an amount for other segment items by reportable segment and a description of its composition, all annual disclosures required by FASB ASU Topic 280 in interim periods as well, and the title and position of the CODM and how the CODM uses the reported measures. Additionally, this ASU requires that at least one of the reported segment profit and loss measures should be the measure that is most consistent with the measurement principles used in an entity’s consolidated financial statements. Lastly, this ASU requires public business entities with a single reportable segment to provide all disclosures required by these amendments in this ASU and all existing segment disclosures in Topic 280. This ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The amendments should be applied retrospectively. The Company does not expect the adoption of ASU 2023-06 to have a material impact on its consolidated financial statements. In March 2023, the FASB issued ASU 2023-02, “Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method”. These amendments allow reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. The ASU is effective for public business entities for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted for all entities in any interim period. The Company does not expect the adoption of ASU 2023-02 to have a material impact on its consolidated financial statements.

Nature of Banking Activities _3

Nature of Banking Activities and Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 2022 Average number of common shares outstanding 3,523,547 3,482,368 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,523,547 3,482,368

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022 were as follows: Amortized Gross Gross Fair December 31, 2023 (in thousands) Obligations of U.S. government corporations and agencies $ 9,258 $ — $ ( 667 ) $ 8,591 Mortgage-backed securities 140,052 — ( 21,230 ) 118,822 Obligations of states and political subdivisions 6,191 1 ( 261 ) 5,931 Subordinated debt 4,750 — ( 651 ) 4,099 $ 160,251 $ 1 $ ( 22,809 ) $ 137,443 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
Schedule Composition Of Restricted Investments	Carrying amounts of restricted securities at December 31, 2023 and 2022 were as follows: December 31, 2023 December 31, 2022 (in thousands) Federal Reserve Bank Stock $ 344 $ 944 Federal Home Loan Bank Stock 9,084 8,149 Community Bankers’ Bank Stock 140 140 $ 9,568 $ 9,233
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of securities available for sale at December 31, 2023, by contractual maturity, are shown below. Maturities may differ from contractual maturities primarily in mortgage-backed securities (others could be called) 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 $ 1,268 $ 1,256 Due after one year through five years 6,114 5,799 Due after five years through ten years 19,434 17,568 Due after ten years 133,435 112,820 $ 160,251 $ 137,443
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, 2023 and 2022 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Fair Value Gross Fair Value Gross December 31, 2023 (in thousands) Obligations of U.S. government corporations and agencies $ — $ — $ 8,591 $ 667 $ 8,591 $ 667 Mortgage-backed securities — — 118,822 21,230 118,822 21,230 Obligations of states and political subdivisions — — 5,430 261 5,430 261 Subordinated debt 221 29 3,378 622 3,599 651 $ 221 $ 29 $ 136,221 $ 22,780 $ 136,442 $ 22,809 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

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2023
Loans and Leases Receivable Disclosure [Abstract]
Schedule Of Composition Of Loans	The composition of loans at December 31, 2023 and 2022 was as follows: December 31, 2023 2022 (in thousands) Mortgage loans on real estate: Construction and & Secured by Farmland $ 84,145 $ 89,651 HELOCs 47,674 43,588 Residential First Lien - Investor 117,431 111,074 Residential First Lien - Owner Occupied 178,180 125,088 Residential Junior Liens 12,831 11,417 Commercial - Owner Occupied 251,456 232,115 Commercial - Non-Owner Occupied & Multifamily 348,879 315,326 Commercial and industrial loans: SBA PPP loans 51 74 Other commercial and industrial loans 107,777 99,571 Marine loans 251,168 230,874 Consumer loans 42,419 44,841 Overdrafts 253 218 Other loans 12,895 12,503 Total loans $ 1,455,159 $ 1,316,340 Net deferred loan costs and premiums 7,527 7,443 Allowance for credit losses ( 14,493 ) ( 11,218 ) $ 1,448,193 $ 1,312,565

Allowance for Credit Losses o_2

Allowance for Credit Losses on Loans (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the years ended December 31, 2023 and 2022 were as follows: December 31, 2023 2022 (in thousands) Balance, beginning $ 11,218 $ 8,787 Cumulative effect adjustment for adoption of ASC 326 2,077 — Provision charged to operating expense 1,641 1,830 Recoveries added to the allowance 298 1,260 Credit losses charged to the allowance ( 741 ) ( 659 ) Balance, ending $ 14,493 $ 11,218
Nonaccrual And Past Due Loans By Class	Nonaccrual and past due loans by class at December 31, 2023 were as follows: December 31, 2023 (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Mortgage real estate loans: Construction & Secured by Farmland $ — $ — $ — $ — $ 84,145 $ 84,145 $ — HELOCs — — — — 47,674 47,674 — Residential First Lien - Investor 844 253 — 1,097 116,334 117,431 — Residential First Lien - Owner Occupied — 78 149 227 177,953 178,180 — Residential Junior Liens — — 9 9 12,822 12,831 — Commercial - Owner Occupied — — — — 251,456 251,456 — Commercial - Non-Owner Occupied & Multifamily — — — — 348,879 348,879 — Commercial and industrial loans: SBA PPP loans — — — — 51 51 — Other commercial and industrial loans 9 — 26 35 107,742 107,777 14 Marine loans — — 552 552 250,616 251,168 — Consumer loans 173 — 167 340 42,079 42,419 167 Overdrafts — — — — 253 253 — Other loans — — — — 12,895 12,895 — Total $ 1,026 $ 331 $ 903 $ 2,260 $ 1,452,899 $ 1,455,159 $ 181 December 31, 2023 (in thousands) Nonaccruals with No Allowance for Credit Losses Nonaccrual with an Allowance for Credit Losses Nonaccrual Mortgage real estate loans: Construction & Secured by Farmland $ 95 $ — $ 95 HELOCs 15 — 15 Residential First Lien - Investor 1,085 — 1,085 Residential First Lien - Owner Occupied 228 — 228 Residential Junior Liens 11 — 11 Commercial - Owner Occupied 22 — 22 Commercial - Non-Owner Occupied & Multifamily 3,625 — 3,625 Commercial and industrial loans: SBA PPP loans — — — Other commercial and industrial loans 12 — 12 Marine loans 552 — 552 Consumer loans — — — Overdrafts — — — Other loans — — — Total $ 5,645 $ — $ 5,645 Nonaccrual and past due loans by class at December 31, 2022 were as follows: December 31, (in thousands) 30 - 59 60 - 89 90 or More Total Past Current Total Loans 90 or More Nonaccrual Mortgage real estate loans: Construction & Secured by Farmland $ — $ — $ 101 $ 101 $ 89,550 $ 89,651 $ — $ 397 HELOCs 149 — — 149 43,439 43,588 — 155 Residential First Lien - Investor — — — — 111,074 111,074 — — Residential First Lien - Owner Occupied 222 — 39 261 124,827 125,088 — 175 Residential Junior Liens — — — — 11,417 11,417 — 6 Commercial - Owner Occupied — — — — 232,115 232,115 — — Commercial - Non-Owner Occupied & Multifamily — — — — 315,326 315,326 — 1,356 Commercial and industrial loans: SBA PPP loans — — — — 74 74 — — Other commercial and industrial loans 15 — 73 88 99,483 99,571 — 73 Marine loans — — — — 230,874 230,874 — — Consumer loans 56 — 318 374 44,467 44,841 318 — Overdrafts — — — — 218 218 — — Other loans — — — — 12,503 12,503 — — Total $ 442 $ — $ 531 $ 973 $ 1,315,367 $ 1,316,340 $ 318 $ 2,162
Allowance For Loan Losses By Segment	Allowance for credit losses by segment as of and for the years ended December 31, 2023 and December 31, 2022 were as follows: December 31, 2023 (in thousands) Construction Residential Commercial Commercial Marine Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 2,714 $ 1,735 $ 2,221 $ 2,222 $ 1,555 $ 299 $ 472 $ — $ 11,218 Cumulative effect adjustment for adoption of ASC 326 ( 1,840 ) 1,933 3,584 ( 1,102 ) ( 285 ) ( 123 ) ( 90 ) — 2,077 Charge-Offs — — — ( 312 ) ( 126 ) ( 121 ) ( 182 ) — ( 741 ) Recoveries 8 18 — 43 — 48 181 — 298 Provision ( 110 ) 1,039 419 176 9 95 13 — 1,641 Ending balance $ 772 $ 4,725 $ 6,224 $ 1,027 $ 1,153 $ 198 $ 394 $ — $ 14,493 Ending balance: Individually evaluated $ — $ — $ — $ — $ — $ — $ — $ — $ — Ending balance: collectively evaluated $ 772 $ 4,725 $ 6,224 $ 1,027 $ 1,153 $ 198 $ 394 $ — $ 14,493 Loans: Ending balance $ 84,145 $ 356,116 $ 600,335 $ 107,828 $ 251,168 $ 42,419 $ 13,148 $ — $ 1,455,159 Ending balance individually evaluated $ 95 $ 1,288 $ 3,639 $ — $ 552 $ — $ — $ — $ 5,574 Ending balance collectively evaluated $ 84,050 $ 354,828 $ 596,696 $ 107,828 $ 250,616 $ 42,419 $ 13,148 $ — $ 1,449,585 December 31, 2022 (in thousands) Construction Residential Commercial Commercial Marine Consumer All Other Unallocated Total Allowance for credit losses: Beginning Balance $ 2,794 $ 1,671 $ 1,729 $ 1,294 $ 789 $ 219 $ 291 $ — $ 8,787 Charge-Offs — ( 9 ) — ( 300 ) — ( 79 ) ( 271 ) — ( 659 ) Recoveries 9 888 197 109 — 44 13 — 1,260 Provision ( 89 ) ( 815 ) 295 1,119 766 115 439 — 1,830 Ending balance $ 2,714 $ 1,735 $ 2,221 $ 2,222 $ 1,555 $ 299 $ 472 $ — $ 11,218 Ending balance: Individually evaluated for impairment $ — $ 27 $ — $ 73 $ — $ — $ — $ — $ 100 Ending balance: collectively evaluated for impairment $ 2,714 $ 1,708 $ 2,221 $ 2,149 $ 1,555 $ 299 $ 472 $ — $ 11,118 Loans: Ending balance $ 89,651 $ 291,167 $ 547,441 $ 99,645 $ 230,874 $ 44,841 $ 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 $ 287,448 $ 545,746 $ 99,504 $ 230,874 $ 44,819 $ 12,721 $ — $ 1,309,719
Amortized cost basis of collateral-dependent loans by loan portfolio segment	The following table presents the amortized cost basis of collateral-dependent loans by loan portfolio segment: December 31, 2023 (in thousands) (in thousands) Real Estate Collateral Other Collateral Total Mortgage real estate loans: Construction & Secured by Farmland $ 95 $ — $ 95 HELOCs — — — Residential First Lien - Investor 1,086 — 1,086 Residential First Lien - Owner Occupied 194 — 194 Residential Junior Liens 8 — 8 Commercial - Owner Occupied 14 — 14 Commercial - Non-Owner Occupied & Multifamily 3,625 — 3,625 Commercial and industrial loans: SBA PPP loans — — — Other commercial and industrial loans — — — Marine loans — 552 552 Consumer loans — — — Overdrafts — — — Other loans — — — $ 5,022 $ 552 $ 5,574
Credit Quality Information By Class	Credit quality information by class at December 31, 2023 and December 31, 2022 was as follows: December 31, 2023 Term Loan Amortized Cost Basis by Origination Year (in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Mortgage real estate loans: Construction & Secured by Farmland Pass $ 34,617 $ 21,460 $ 7,584 $ 4,851 $ 2,389 $ 2,829 $ 7,052 $ 57 $ 80,839 Special Mention — 1,173 — — 1,040 815 — — 3,028 Classified — — — 145 — 133 — — 278 Total $ 34,617 $ 22,633 $ 7,584 $ 4,996 $ 3,429 $ 3,777 $ 7,052 $ 57 $ 84,145 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — HELOCs Pass $ — $ — $ — $ — $ — $ — $ 47,610 $ — $ 47,610 Special Mention — — — — — — 49 — 49 Classified — — — — — — 15 — 15 Total $ — $ — $ — $ — $ — $ — $ 47,674 $ — $ 47,674 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential First Lien - Investor Pass $ 19,394 $ 23,205 $ 31,371 $ 10,667 $ 4,054 $ 22,265 $ — $ 367 $ 111,323 Special Mention — 1,273 — 1,180 626 1,944 — — 5,023 Classified — — 1,085 — — — — — 1,085 Total $ 19,394 $ 24,478 $ 32,456 $ 11,847 $ 4,680 $ 24,209 $ — $ 367 $ 117,431 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential First Lien - Owner Occupied Pass $ 59,007 $ 33,793 $ 23,749 $ 35,783 $ 3,932 $ 20,413 $ — $ 589 $ 177,266 Special Mention — — — — — 258 — — 258 Classified — — — — — 656 — — 656 Total $ 59,007 $ 33,793 $ 23,749 $ 35,783 $ 3,932 $ 21,327 $ — $ 589 $ 178,180 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential Junior Liens Pass $ 2,562 $ 2,902 $ 3,429 $ 1,486 $ 606 $ 1,613 $ — $ 189 $ 12,787 Special Mention — — — — — — — — — Classified — — — — — 27 — 17 44 Total $ 2,562 $ 2,902 $ 3,429 $ 1,486 $ 606 $ 1,640 $ — $ 206 $ 12,831 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial - Owner Occupied Pass $ 36,736 $ 68,868 $ 40,707 $ 22,871 $ 13,971 $ 50,059 $ 3,088 $ 4,364 $ 240,664 Special Mention — 3,817 64 2,145 1,877 1,402 — — 9,305 Classified — — 967 498 — 8 — 14 1,487 Total $ 36,736 $ 72,685 $ 41,738 $ 25,514 $ 15,848 $ 51,469 $ 3,088 $ 4,378 $ 251,456 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial - Non-Owner Occupied & Multifamily Pass $ 56,510 $ 88,518 $ 64,005 $ 65,075 $ 15,563 $ 34,619 $ 1,196 $ 5,651 $ 331,137 Special Mention 624 4,748 3,685 5,060 — — — — 14,117 Classified — — — 2,355 — 1,270 — — 3,625 Total $ 57,134 $ 93,266 $ 67,690 $ 72,490 $ 15,563 $ 35,889 $ 1,196 $ 5,651 $ 348,879 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans: SBA PPP loans Pass $ — $ — $ 51 $ — $ — $ — $ — $ — $ 51 Special Mention — — — — — — — — — Classified — — — — — — — — — Total $ — $ — $ 51 $ — $ — $ — $ — $ — $ 51 December 31, 2023 Term Loan Amortized Cost Basis by Origination Year (in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Other commercial and industrial loans Pass $ 15,052 $ 26,798 $ 8,659 $ 4,824 $ 2,629 $ 3,898 $ 43,188 $ 1,005 $ 106,053 Special Mention 1,125 — — 13 1 9 220 344 1,712 Classified — — — 3 — — 9 — 12 Total $ 16,177 $ 26,798 $ 8,659 $ 4,840 $ 2,630 $ 3,907 $ 43,417 $ 1,349 $ 107,777 Current period gross charge-offs $ 231 $ 81 $ — $ — $ — $ — $ — $ — $ 312 Marine loans Pass $ 86,001 $ 128,456 $ 35,492 $ 667 $ — $ — $ — $ — $ 250,616 Special Mention — — — — — — — — — Classified 367 185 — — — — — — 552 Total $ 86,368 $ 128,641 $ 35,492 $ 667 $ — $ — $ — $ — $ 251,168 Current period gross charge-offs $ — $ 126 $ — $ — $ — $ — $ — $ — $ 126 Consumer loans Pass $ 3,427 $ 13,950 $ 6,205 $ 8,687 $ 1,747 $ 21 $ 8,354 $ 28 $ 42,419 Special Mention — — — — — — — — — Classified — — — — — — — — — Total $ 3,427 $ 13,950 $ 6,205 $ 8,687 $ 1,747 $ 21 $ 8,354 $ 28 $ 42,419 Current period gross charge-offs $ — $ 3 $ — $ 66 $ — $ — $ 52 $ — $ 121 Overdrafts Pass $ — $ — $ — $ — $ — $ — $ — $ — $ — Special Mention — — — — — — — — — Classified 253 — — — — — — — 253 Total $ 253 $ — $ — $ — $ — $ — $ — $ — $ 253 Current period gross charge-offs $ 182 $ — $ — $ — $ — $ — $ — $ — $ 182 Other loans Pass $ 69 $ 10,176 $ — $ — $ — $ 2,587 $ 55 $ 8 $ 12,895 Special Mention — — — — — — — — — Classified — — — — — — — — — Total $ 69 $ 10,176 $ — $ — $ — $ 2,587 $ 55 $ 8 $ 12,895 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total by Risk Category Pass $ 313,375 $ 418,126 $ 221,252 $ 154,911 $ 44,891 $ 138,304 $ 110,543 $ 12,258 $ 1,413,660 Special Mention 1,749 11,011 3,749 8,398 3,544 4,428 269 344 33,492 Classified 620 185 2,052 3,001 — 2,094 24 31 8,007 Total $ 315,744 $ 429,322 $ 227,053 $ 166,310 $ 48,435 $ 144,826 $ 110,836 $ 12,633 $ 1,455,159 Total current period gross charge-offs $ 413 $ 210 $ — $ 66 $ — $ — $ 52 $ — $ 741 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

Restructurings for Borrowers _2

Restructurings for Borrowers Experiencing Financial Difficulty (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Modified amortized cost of loans	The following table presents the amortized cost of loans that were modified during the twelve months ended December 31, 2023 by loan portfolio segment: Twelve Months Ended December 31, 2023 (in thousands) Term Extension Total % of Total Class of Loans Mortgage real estate loans: Residential First Lien - Owner Occupied $ 355 $ 355 0.20 % Total $ 355 $ 355
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 year ended December 31, 2022: Twelve Months Ended December 31, 2022 (in thousands) Number of Pre-Modification Post-Modification Commercial - Non Real Estate: Commercial & Industrial Commercial Real Estate Owner Occupied 1 $ 185 $ 185 Non-owner occupied 1 161 161 Construction and Farmland Commercial 1 639 639 Consumer: Installment 1 20 21 Residential Equity Single family 9 1,676 1,704 Total 13 $ 2,681 $ 2,710

Bank Premises and Equipment, _2

Bank Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022 were as follows: December 31, 2023 2022 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 19,247 18,649 Furniture and equipment 9,729 9,345 $ 35,620 $ 34,638 Less accumulated depreciation 17,512 16,574 Bank premises and equipment, net $ 18,108 $ 18,064

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Composition Of Deposits	The composition of deposits at December 31, 2023 and December 31, 2022 was as follows: December 31, 2023 December 31, 2022 (in thousands) Noninterest bearing demand deposits $ 436,619 $ 478,750 Savings and interest bearing demand deposits: NOW accounts $ 253,353 $ 189,144 Money market accounts 263,633 265,290 Regular savings accounts 139,453 172,997 $ 656,439 $ 627,431 Time deposits: Balances of less than $250,000 $ 257,418 $ 87,531 Balances of $250,000 or greater 155,846 70,363 $ 413,264 $ 157,894 $ 1,506,322 $ 1,264,075
Maturities Of Time Deposits	The outstanding balance of time deposits at December 31, 2023 was due as follows: December 31, 2023 (in thousands) 2024 $ 402,814 2025 5,019 2026 2,450 2027 1,844 2028 327 Thereafter 810 $ 413,264

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2023
Advance from Federal Home Loan Bank [Abstract]
Summary of short-term borrowings consisting of FHLB advances and federal funds purchased	The following table presents selected information on short-term borrowings for the years ended December 31, 2023 and 2022, consisting of FHLB advances and federal funds purchased. December 31, 2023 2022 (dollars in thousands) Balance at year-end $ 20,000 $ 207,980 Average balance during the year $ 45,801 $ 47,470 Average interest rate during the year 4.68 % 3.09 % Maximum month-end balance during the year $ 150,000 $ 207,980

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Schedule Of Net Deferred Tax Assets	The net deferred tax asset at December 31, 2023 and 2022 consisted of the following components: December 31, 2023 2022 (in thousands) Deferred tax assets: Allowance for credit losses $ 3,043 $ 2,342 Reserve for unfunded commitments 101 14 Share-based compensation 327 222 Accrued postretirement benefits 18 21 Home equity origination costs 85 81 Accrued incentive benefit 89 — Nonaccrual interest 75 48 Lease liabilities 977 1,045 Credit carryforward 1,689 648 Securities available for sale 4,790 5,440 Other 25 26 $ 11,219 $ 9,887 Deferred tax liabilities: Property and equipment $ 853 $ 710 Right-of-use assets 921 1,001 Loan servicing rights 32 144 $ 1,806 $ 1,855 Net deferred tax asset $ 9,413 $ 8,032
Schedule Of Components Of Income Tax Expense	Income tax expense for the years ended December 31, 2023 and 2022 consisted of the following components: December 31, 2023 2022 (in thousands) Current tax expense $ 2,785 $ 3,236 Deferred tax (benefit) ( 1,509 ) ( 86 ) $ 1,276 $ 3,150
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, 2023 and 2022. December 31, 2023 2022 (in thousands) Statutory federal corporate tax amount $ 2,232 $ 3,711 Tax-exempt interest (income) ( 76 ) ( 81 ) Officer insurance (income) ( 134 ) ( 131 ) Net tax credits ( 756 ) ( 353 ) Other, net 10 4 $ 1,276 $ 3,150

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Restricted Stock Activity	The following table presents the activity for restricted stock awards for the years ended December 31, 2023 and 2022: Twelve Months Ended December 31, 2023 2022 Shares Weighted Shares Weighted Nonvested, beginning of period 38,780 $ 33.47 31,738 $ 30.70 Granted 37,941 35.79 31,648 35.19 Vested ( 17,402 ) 33.26 ( 23,079 ) 32.11 Forfeited ( 2,405 ) 35.40 ( 1,527 ) 32.13 Nonvested, end of period 56,914 $ 35.06 38,780 $ 33.47

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Assets And Liabilities, Lessee	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2023 December 31, 2022 Lease liability $ 4,653 $ 4,978 Right-of-use asset $ 4,387 $ 4,766 Weighted average remaining lease term 14 years 14 years Weighted average discount term 3.09 % 3.04 % Twelve Months Ended Lease Cost December 31, 2023 December 31, 2022 Operating lease cost $ 528 $ 528 Variable lease cost — — Short-term lease cost 14 15 Total lease cost $ 542 $ 543 Cash paid for amounts included in the measurement of lease liabilities $ 473 $ 466
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, 2023 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 Twelve months ending December 31, 2028 395 Thereafter 3,754 Total undiscounted cash flows $ 5,921 Discount ( 1,268 ) Lease liability $ 4,653

Capital Requirements (Tables)

Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Actual Minimum Capital Minimum To Be Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2023 Common Equity Tier 1 Capital to Risk Weighted Assets $ 155,453 10.27 % $ 68,121 4.50 % $ 98,397 6.50 % Total Capital to Risk Weighted Assets 168,925 11.16 % 121,104 8.00 % 151,380 10.00 % Tier 1 Capital to Risk Weighted Assets 155,453 10.27 % 90,828 6.00 % 121,104 8.00 % Tier 1 Capital to Average Assets 155,453 8.48 % 73,367 4.00 % 91,709 5.00 % December 31, 2022 Tier 1 Capital to Average Assets 142,530 9.15 % n/a n/a 140,210 9.00 %

Financial Instruments with Of_2

Financial Instruments with Off-Balance-Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule Of Financial Instruments	At December 31, 2023 and 2022, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2023 December 31, 2022 (dollars in thousands) Commitments to extend credit $ 37,724 $ 27,927 Unfunded commitments under lines of credit 227,717 191,259 Commercial and standby letters of credit 3,964 7,069

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022 consisted of the following: December 31, 2023 December 31, 2022 (dollar in thousands) Noninterest income: Wealth management fees(1): Trust asset management fees $ 3,871 $ 3,095 Brokerage commissions 1,055 1,054 Service charges on deposit accounts(1): Overdrawn account fees 1,399 1,194 Monthly and other service charges 411 424 Other service charges and fees: Interchange fees (1) 449 366 ATM fees (1) 3,392 3,103 Secondary market fees — 3 Other charges and fees (2) 572 471 Gain (loss) on the sale and disposal of bank premises and equipment (1) 14 ( 11 ) Gain on the sale of marine finance assets 435 — (Loss) on sale of securities — ( 737 ) Gain on sale of loans 1,428 1,875 Bank owned life insurance income 713 626 Other operating income (3) 1,006 1,882 Total noninterest income $ 14,745 $ 13,345 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $327 thousand and $309 thousand for the years ended December 31, 2023 and 2022 , respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $778 thousand and $1.2 million for the years ended December 31, 2023 and 2022 , 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, 2023
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 2023 and 2022 are summarized as follows: 2023 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 18,558 $ 20,364 $ 22,191 $ 22,015 Net interest income after provision for credit losses 11,980 12,039 12,700 11,923 Noninterest income 3,526 3,357 4,209 3,653 Noninterest expenses 12,386 12,955 14,133 13,280 Income before income taxes 3,120 2,441 2,776 2,296 Net income 2,585 2,058 2,319 2,395 Net income per common share, basic 0.73 0.58 0.66 0.69 Net income per common share, diluted 0.73 0.58 0.66 0.69 Dividends per common share 0.30 0.30 0.30 0.30 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 credit 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

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and December 31, 2022: Fair Value Measurements at December 31, 2023 Using Balance as of Quoted Prices Significant Significant December 31, 2023 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 8,591 $ — $ 8,591 $ — Mortgage-backed securities 118,822 — 118,822 — Obligations of states and political subdivisions 5,931 — 5,931 — Subordinated debt 4,099 — 4,099 — Derivative: Interest rate swaps on loans 1,465 — 1,465 — Total assets at fair value $ 138,908 $ — $ 138,908 $ — Liabilities: Interest rate swaps on loans $ 1,465 $ 1,465 $ — Total liabilities at fair value $ 1,465 $ — $ 1,465 $ — 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 $ — U.S. treasury notes — — — 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 $ —
Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets	The following table displays quantitative information about Level 3 Fair Value Measurements for certain financial assets measured at fair value on a nonrecurring basis at December 31, 2022: Quantitative information about Level 3 Fair Value Measurements December 31, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average Assets: Other real estate owned Discounted contract price Discount for selling costs 6 % 6 % (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: 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) Nonfinancial Assets: Other real estate owned $ 108 $ — $ 108 $ —
Company's Financial Instruments	The carrying amount and fair value of the Company’s financial instruments at December 31, 2023 and 2022 were as follows: Fair Value Measurements at December 31, 2023 Using Carrying Quoted Significant Significant Fair Value December 31, 2023 (Level 1) (Level 2) (Level 3) December 31, 2023 (in thousands) Financial Assets: Cash and short-term investments $ 138,353 $ 138,353 $ — $ — $ 138,353 Securities available for sale 137,443 — 137,443 — 137,443 Restricted Investments 9,568 — 9,568 — 9,568 Loans held for sale 1,661 — 1,661 — 1,661 Loans, net 1,448,193 — — 1,377,017 1,377,017 Bank owned life insurance 29,575 — 29,575 — 29,575 Accrued interest receivable 5,008 — 5,008 — 5,008 Interest rate swaps 1,465 — 1,465 — 1,465 Financial Liabilities: Deposits $ 1,506,322 $ — $ 1,506,147 $ — $ 1,506,147 Federal Home Loan Bank advances, short-term 20,000 — 19,954 — 19,954 Federal Home Loan Bank advances, long-term 145,000 — 145,141 — 145,141 Subordinated debt 29,444 — 25,581 — 25,581 Accrued interest payable 2,364 — 2,364 — 2,364 Interest rate swaps 1,465 — 1,465 — 1,465 Fair Value Measurements at December 31, 2022 Using Carrying Quoted Prices 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 available for sale 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 swaps 1,017 — 1,017 — 1,017 Financial Liabilities: Deposits $ 1,264,075 $ — $ 1,262,859 $ — $ 1,262,859 Federal funds purchased and securities sold under agreements to repurchase 32,980 — 32,980 — 32,980 Federal Home Loan Bank advances, short-term 175,000 — 174,705 — 174,705 Subordinated debt 29,377 — 26,101 — 26,101 Accrued interest payable 926 — 926 — 926 Interest rate swaps 1,017 — 1,017 — 1,017

Change in Accumulated Other C_2

Change in Accumulated Other Comprehensive (Loss) (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Twelve Months Ended December 31, 2023 2022 Unrealized Change in Total Unrealized Change in Total (dollars in thousands) (dollars in thousands) January 1 $ ( 20,465 ) $ 19 $ ( 20,446 ) $ ( 174 ) $ 19 $ ( 155 ) Other comprehensive income (loss) before reclassifications 3,095 ( 8 ) 3,087 ( 26,422 ) — ( 26,422 ) Reclassifications from other comprehensive (loss) — — — 737 — 737 Tax effect of current period changes ( 650 ) 3 ( 647 ) 5,394 — 5,394 Current period changes net of taxes 2,445 ( 5 ) 2,440 ( 20,291 ) — ( 20,291 ) December 31 $ ( 18,020 ) $ 14 $ ( 18,006 ) $ ( 20,465 ) $ 19 $ ( 20,446 )

Condensed Financial Informati_2

Condensed Financial Information - Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Schedule Of Condensed Balance Sheets	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Balance Sheets December 31, 2023 and 2022 (dollars in thousands) 2023 2022 Assets Cash held in subsidiary bank $ 1,125 $ 8,222 Investment in subsidiary 136,130 122,767 Other assets 906 455 Total assets $ 138,161 $ 131,444 Liabilities and Shareholders’ Equity Subordinated debt $ 29,444 $ 29,377 Other liabilities 338 338 Total liabilities $ 29,782 $ 29,715 Shareholders’ Equity Common stock $ 8,660 $ 8,629 Surplus 14,280 13,268 Retained earnings 103,445 100,278 Accumulated other comprehensive (loss) ( 18,006 ) ( 20,446 ) Total shareholders’ equity $ 108,379 $ 101,729 Total liabilities and shareholders’ equity $ 138,161 $ 131,444
Schedule Of Condensed Income Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2023 and 2022 (dollars in thousands) 2023 2022 Income Dividends from subsidiary bank $ 4,000 $ — Total income $ 4,000 $ — Expenses Interest expense on subordinated debt $ 1,417 $ 1,067 Other operating expenses 523 369 Total expenses $ 1,940 $ 1,436 Income (loss) before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ 2,060 $ ( 1,436 ) Income Tax (Benefit) ( 413 ) ( 315 ) Income (loss) before equity in undistributed earnings of subsidiary bank $ 2,473 $ ( 1,121 ) Equity in Undistributed Net Income of Subsidiary Bank 6,884 15,642 Net income $ 9,357 $ 14,521 Comprehensive income (loss) $ 11,797 $ ( 5,770 )
Schedule Of Condensed Cash Flows Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2023 and 2022 (dollars in thousands) 2023 2022 Cash Flows from Operating Activities Net Income $ 9,357 $ 14,521 Adjustments to reconcile net income to net cash provided by (used in) operating activities Stock-based compensation expense 1,213 1,017 Undistributed earnings of subsidiary bank ( 6,884 ) ( 15,642 ) Amortization of debt issuance costs 67 51 Changes in assets and liabilities: (Increase) in other assets ( 451 ) ( 330 ) Increase in other liabilities — 338 Net cash provided by (used in) operating activities $ 3,302 $ ( 45 ) Cash Flows from Investing Activities Capital contribution to bank subsidiary $ ( 6,000 ) $ ( 20,000 ) Net cash (used in) investing activities $ ( 6,000 ) $ ( 20,000 ) Cash Flows from Financing Activities Issuance of subordinated debt, net of issuance costs $ — $ 29,326 Cash dividends paid ( 4,229 ) ( 3,808 ) Issuance of common stock, employee benefit plan 132 164 Retirement of common stock ( 302 ) ( 154 ) Net cash (used in) provided by financing activities $ ( 4,399 ) $ 25,528 (Decrease) increase in cash $ ( 7,097 ) $ 5,483 Cash Beginning $ 8,222 $ 2,739 Ending $ 1,125 $ 8,222

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Year Ended Year Ended December 31, December 31, 2023 2022 Balance, beginning $ 108 $ — Net loans transferred to OREO — 108 Gain on foreclosure — — Sales ( 108 ) — Valuation adjustments — — Balance, ending $ — $ 108
Schedule of Real Estate Properties	The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2023 and 2022 were as follows: As of December 31, 2023 December 31, 2022 (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, 2023
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, 2023 Notional Amount Assets Liabilities (in thousands) Customer-related interest rate swap contracts: Matched interest rate swaps with borrower $ 41,051 $ 844 $ 621 Matched interest rate swaps with counterparty 41,051 621 844 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

Business Segments (Tables)

Business Segments (Tables)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Schedule of reportable operating segments	The following table provides income and asset information as of and for the twelve months ended December 31, 2023 and 2022, which are included within the Consolidated Balance Sheets and Consolidated Statements of Income. Twelve Months Ended December 31, 2023 Community Banking Marine Lending Wealth Management All Other Eliminations Consolidated (in thousands) Interest Income $ 67,990 $ 15,138 $ — $ — $ — $ 83,128 Interest Expense 25,850 5,570 — 1,417 — 32,837 Net Interest Income (Expense) 42,140 9,568 — ( 1,417 ) — 50,291 Gain on sales of loans 1,117 311 — — — 1,428 Other noninterest income 7,313 1,078 4,926 — — 13,317 Net Revenue 50,570 10,957 4,926 ( 1,417 ) — 65,036 Provision for credit losses 2,051 ( 402 ) — — — 1,649 Noninterest expense 44,479 5,106 2,646 523 — 52,754 Income before taxes 4,040 6,253 2,280 ( 1,940 ) — 10,633 Income tax expense (benefit) ( 103 ) 1,313 479 ( 413 ) — 1,276 Net Income $ 4,143 $ 4,940 $ 1,801 $ ( 1,527 ) $ — $ 9,357 Other data: Capital expenditures $ 1,035 $ 36 $ — $ — $ — $ 1,071 Depreciation and amortization 1,573 224 126 67 — 1,990 Twelve Months Ended December 31, 2022 Community Banking Marine Lending Wealth Management All Other Eliminations Consolidated (in thousands) Interest Income $ 47,554 $ 7,132 $ — $ — $ — $ 54,686 Interest Expense 4,026 380 — 1,067 — 5,473 Net Interest Income (Expense) 43,528 6,752 — ( 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 51,228 8,248 4,149 ( 1,067 ) — 62,558 Provision for credit losses 1,059 771 — — — 1,830 Noninterest expense 36,401 3,695 2,590 371 — 43,057 Income before taxes 13,768 3,782 1,559 ( 1,438 ) — 17,671 Income tax expense (benefit) 2,343 794 328 ( 315 ) — 3,150 Net Income $ 11,425 $ 2,988 $ 1,231 $ ( 1,123 ) $ — $ 14,521 Other data: Capital expenditures $ 829 $ 9 $ — $ — $ — $ 838 Depreciation and amortization 1,499 236 124 51 — 1,910 Community Banking Marine Lending Wealth Management All Other Eliminations Consolidated Total assets at December 31, 2023 $ 1,562,600 $ 261,011 $ 1,080 $ 906 $ — $ 1,825,597 Total assets at December 31, 2022 1,377,461 237,595 1,206 455 — 1,616,717

Nature of Banking Activities _4

Nature of Banking Activities and Significant Accounting Policies (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Jun. 21, 2023	May 16, 2023
Property Plant And Equipment [Line Items]
Ownership percentage in subsidiaries	100%
Accrued interest receivable	$ 4,600,000	$ 3,500,000
Sale of Non Mortgage Loans	$ 59,600,000
Limit of the estimated appraised value of the furnished home	80%
Reserve credit losses for Unfunded Commitments	$ 479,000	$ 65,000
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	2,500,000
initial adjustment for the adoption of credit losses for Unfunded Commitments	406,000
Provision for Other Credit Losses	$ 8,000
Stock incentive plan, authorized common stock				250,000
"More likely than not" threshold	50%
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	0	0
Number of shares of common stock able to be repurchased			150,000
Shares repurchase and Moved	8,531	4,442
Stock Repurchased and Retired During Period, Value	$ 35.34	$ 34.79
Maximum numbers of shares that may yet be purchased under plan	145,059
Derivatives used in Net Investment Hedge, Net of Tax	$ 2,000,000
Building [Member] | Minimum
Property Plant And Equipment [Line Items]
Estimated useful lives	10 years
Building [Member] | Maximum
Property Plant And Equipment [Line Items]
Estimated useful lives	39 years
Furniture and equipment [Member] | Minimum
Property Plant And Equipment [Line Items]
Estimated useful lives	3 years
Furniture and equipment [Member] | Maximum
Property Plant And Equipment [Line Items]
Estimated useful lives	10 years

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, 2023	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Average number of common shares outstanding	3,523,547	3,482,368
Average number of common shares outstanding used to calculate diluted earnings per share	3,523,547	3,482,368

Securities (Amortized Costs And

Securities (Amortized Costs And Fair Values Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	$ 160,251	$ 175,059
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	1	2
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(22,809)	(25,905)
Securities available for sale	137,443	149,156
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	9,258	9,993
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	0
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(667)	(858)
Securities available for sale	8,591	9,135
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	140,052	153,289
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	0
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(21,230)	(24,136)
Securities available for sale	118,822	129,153
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	6,191	7,027
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	1	2
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(261)	(422)
Securities available for sale	5,931	6,607
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	4,750	4,750
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	0	0
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(651)	(489)
Securities available for sale	$ 4,099	$ 4,261

Securities (Restricted Investme

Securities (Restricted Investments) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 9,568	$ 9,233
Federal Reserve Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	344	944
Federal Home Loan Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	9,084	8,149
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, 2023	Dec. 31, 2022
Debt Securities, Available-for-Sale [Abstract]
Due in one year or less, Amortized Cost	$ 1,268
Due after one year through five years, Amortized Cost	6,114
Due after five years through ten years, Amortized Cost	19,434
Due after ten years, Amortized Cost	133,435
Amortized Cost	160,251	$ 175,059
Due in one year or less, Fair Value	1,256
Due after one year through five years, Fair Value	5,799
Due after five years through ten years, Fair Value	17,568
Due after ten years, Fair Value	112,820
Fair Value	$ 137,443	$ 149,156

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($) Security	Dec. 31, 2021 USD ($)
Schedule Of Available For Sale Securities [Line Items]
Sales of securities available for sale	$ 0	$ 15,370
Available-for-sale Securities, Gross Realized Gains		6
Available-for-sale Securities, Gross Realized Losses		743
Fair Value	137,443	149,156
Accrued interest receivable	4,600	3,500
Credit loss	14,493	11,218	$ 8,787
Impairment loss	$ 0
Available for sale Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Sales of securities available for sale		$ 15,400
Debt securities included in gross unrealized losses on available for sale securities | Security	103	104
Accrued interest receivable	$ 393	$ 431
Asset Pledged as Collateral [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value	$ 13,900

Securities (Fair Value And Gros

Securities (Fair Value And Gross Unrealized Losses For Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	$ 221	$ 46,407
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	29	5,336
Fair Value, 12 months or more	136,221	101,456
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	22,780	20,569
Fair Value, Total	136,442	147,863
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	22,809	25,905
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	0	6,140
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	543
Fair Value, 12 months or more	8,591	2,994
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	667	315
Fair Value, Total	8,591	9,134
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	667	858
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	0	31,771
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	4,052
Fair Value, 12 months or more	118,822	97,382
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	21,230	20,084
Fair Value, Total	118,822	129,153
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	21,230	24,136
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	0	6,065
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	422
Fair Value, 12 months or more	5,430	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	261	0
Fair Value, Total	5,430	6,065
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	261	422
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	221	2,431
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	29	319
Fair Value, 12 months or more	3,378	1,080
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	622	170
Fair Value, Total	3,599	3,511
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 651	$ 489

Loans (Schedule of Composition

Loans (Schedule of Composition of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 1,455,159	$ 1,316,340
Net deferred loan costs and premiums	7,527	7,443
Allowance for credit losses	(14,493)	(11,218)
Net loans	1,448,193	1,312,565
Other Assets [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Servicing Asset, Total	153	684
Construction and & Secured by Farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	84,145	89,651
HELOCs
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	47,674	43,588
Residential First Lein - Investor
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	117,431	111,074
Residential First Lein - Owner Occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	178,180	125,088
Residential Junior Liens
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	12,831	11,417
Commercial - Owner Occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	251,456	232,115
Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	348,879	315,326
SBA PPP loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	51	74
Other commercial and industrial loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	107,777	99,571
Marine loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	251,168	230,874
Consumer loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	42,419	44,841
Overdrafts
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	253	218
Other loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	12,895	12,503
Marine Loan [Member] | Other Assets [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Loan amount in Service	$ 7,700	$ 231,700

Allowance for Credit Losses o_3

Allowance for Credit Losses on Loans (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Receivables [Abstract]
Beginning Balance	$ 11,218	$ 8,787
Cumulative effect adjustment for adoption of ASC 326	2,077	0
Provision charged to operating expense	1,641	1,830
Recoveries added to the allowance	298	1,260
Credit losses charged to the allowance	(741)	(659)
Ending Balance	$ 14,493	$ 11,218

Allowance for Credit Losses o_4

Allowance for Credit Losses on Loans (Nonaccrual And Past Due Loans By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	$ 1,452,899	$ 1,199,230
Total Loans	1,455,159	1,316,340
90 or More Days Past Due Still Accruing	181	318
Nonaccruals with No Allowance for Credit Losses	5,645
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	5,645	2,162
Construction & Secured by Farmland
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	84,145
Total Loans	84,145	89,651
Nonaccruals with No Allowance for Credit Losses	95
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	95	397
HELOCs
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	47,674
Total Loans	47,674	43,588
Nonaccruals with No Allowance for Credit Losses	15
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	15	155
Residential First Lein - Investor
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	116,334
Total Loans	117,431	111,074
Nonaccruals with No Allowance for Credit Losses	1,085
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	1,085
Residential First Lein - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	177,953
Total Loans	178,180	125,088
Nonaccruals with No Allowance for Credit Losses	228
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	228	175
Residential Junior Liens
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	12,822
Total Loans	12,831	11,417
Nonaccruals with No Allowance for Credit Losses	11
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	11	6
Commercial - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	251,456
Total Loans	251,456	232,115
Nonaccruals with No Allowance for Credit Losses	22
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	22
Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	348,879
Total Loans	348,879	315,326
Nonaccruals with No Allowance for Credit Losses	3,625
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	3,625	1,356
SBA PPP loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	51
Total Loans	51	74
Nonaccruals with No Allowance for Credit Losses
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans
Other commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	107,742
Total Loans	107,777	99,571
90 or More Days Past Due Still Accruing	14
Nonaccruals with No Allowance for Credit Losses	12
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	12	73
Marine loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	250,616
Total Loans	251,168	230,874
Nonaccruals with No Allowance for Credit Losses	552
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans	552
Consumer loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	42,079
Total Loans	42,419	44,841
90 or More Days Past Due Still Accruing	167	318
Nonaccruals with No Allowance for Credit Losses
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans
Overdrafts
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	253
Total Loans	253	218
Nonaccruals with No Allowance for Credit Losses
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans
Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	12,895
Total Loans	12,895	12,503
Nonaccruals with No Allowance for Credit Losses
Nonaccrual with an Allowance for Credit Losses
Nonaccrual Loans
30 - 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	1,026	442
30 - 59 Days Past Due | HELOCs
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		149
30 - 59 Days Past Due | Residential First Lein - Investor
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	844
30 - 59 Days Past Due | Residential First Lein - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		222
30 - 59 Days Past Due | Other commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	9	15
30 - 59 Days Past Due | Consumer loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	173	56
60 - 89 Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	331
60 - 89 Days Past due | Residential First Lein - Investor
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	253
60 - 89 Days Past due | Residential First Lein - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	78
90 or More Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	903	531
90 or More Days Past Due | Construction & Secured by Farmland
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		101
90 or More Days Past Due | Residential First Lein - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	149	39
90 or More Days Past Due | Residential Junior Liens
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	9
90 or More Days Past Due | Other commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	26	73
90 or More Days Past Due | Marine loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	552
90 or More Days Past Due | Consumer loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	167	318
Financial Asset, Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	2,260	973
Financial Asset, Past Due | Construction & Secured by Farmland
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		101
Financial Asset, Past Due | HELOCs
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		149
Financial Asset, Past Due | Residential First Lein - Investor
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	1,097
Financial Asset, Past Due | Residential First Lein - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	227	261
Financial Asset, Past Due | Residential Junior Liens
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	9
Financial Asset, Past Due | Other commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	35	88
Financial Asset, Past Due | Marine loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	552
Financial Asset, Past Due | Consumer loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans	$ 340	374
Financial Asset, Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		1,315,367
Financial Asset, Not Past Due | Construction & Secured by Farmland
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		89,550
Financial Asset, Not Past Due | HELOCs
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		43,439
Financial Asset, Not Past Due | Residential First Lein - Investor
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		111,074
Financial Asset, Not Past Due | Residential First Lein - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		124,827
Financial Asset, Not Past Due | Residential Junior Liens
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		11,417
Financial Asset, Not Past Due | Commercial - Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		232,115
Financial Asset, Not Past Due | Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		315,326
Financial Asset, Not Past Due | SBA PPP loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		74
Financial Asset, Not Past Due | Other commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		99,483
Financial Asset, Not Past Due | Marine loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		230,874
Financial Asset, Not Past Due | Consumer loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		44,467
Financial Asset, Not Past Due | Overdrafts
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		218
Financial Asset, Not Past Due | Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current loans		$ 12,503

Allowance for Credit Losses o_5

Allowance for Credit Losses on Loans (Allowance For Loan Losses By Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Impaired [Line Items]
Beginning Balance	$ 11,218	$ 8,787
Cumulative effect adjustment for adoption of ASC 326	2,077	0
Charge-Offs	(741)	(659)
Recoveries	298	1,260
Provision	1,641	1,830
Ending Balance	14,493	11,218
Ending balance: Individually evaluated for impairment	0	100
Ending balance: collectively evaluated for impairment	14,493	11,118
Ending balance	1,455,159	1,316,340
Ending balance: Individually evaluated for impairment	5,574	6,621
Ending balance: collectively evaluated for impairment	1,449,585	1,309,719
Construction And Farmland
Financing Receivable Impaired [Line Items]
Beginning Balance	2,714	2,794
Cumulative effect adjustment for adoption of ASC 326	(1,840)
Recoveries	8	9
Provision	(110)	(89)
Ending Balance	772	2,714
Ending balance: collectively evaluated for impairment	772	2,714
Ending balance	84,145	89,651
Ending balance: Individually evaluated for impairment	95	1,044
Ending balance: collectively evaluated for impairment	84,050	88,607
Residential Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,735	1,671
Cumulative effect adjustment for adoption of ASC 326	1,933
Charge-Offs	0	(9)
Recoveries	18	888
Provision	1,039	(815)
Ending Balance	4,725	1,735
Ending balance: Individually evaluated for impairment	0	27
Ending balance: collectively evaluated for impairment	4,725	1,708
Ending balance	356,116	291,167
Ending balance: Individually evaluated for impairment	1,288	3,719
Ending balance: collectively evaluated for impairment	354,828	287,448
Commercial Real Estate & MultiFamily
Financing Receivable Impaired [Line Items]
Beginning Balance	2,221	1,729
Cumulative effect adjustment for adoption of ASC 326	3,584
Recoveries	0	197
Provision	419	295
Ending Balance	6,224	2,221
Ending balance: collectively evaluated for impairment	6,224	2,221
Ending balance	600,335	547,441
Ending balance: Individually evaluated for impairment	3,639	1,695
Ending balance: collectively evaluated for impairment	596,696	545,746
Commercial
Financing Receivable Impaired [Line Items]
Beginning Balance	2,222	1,294
Cumulative effect adjustment for adoption of ASC 326	(1,102)
Charge-Offs	(312)	(300)
Recoveries	43	109
Provision	176	1,119
Ending Balance	1,027	2,222
Ending balance: Individually evaluated for impairment		73
Ending balance: collectively evaluated for impairment	1,027	2,149
Ending balance	107,828	99,645
Ending balance: Individually evaluated for impairment	0	141
Ending balance: collectively evaluated for impairment	107,828	99,504
Marine
Financing Receivable Impaired [Line Items]
Beginning Balance	1,555	789
Cumulative effect adjustment for adoption of ASC 326	(285)
Charge-Offs	(126)
Provision	9	766
Ending Balance	1,153	1,555
Ending balance: collectively evaluated for impairment	1,153	1,555
Ending balance	251,168	230,874
Ending balance: Individually evaluated for impairment	552
Ending balance: collectively evaluated for impairment	250,616	230,874
Consumer
Financing Receivable Impaired [Line Items]
Beginning Balance	299	219
Cumulative effect adjustment for adoption of ASC 326	(123)
Charge-Offs	(121)	(79)
Recoveries	48	44
Provision	95	115
Ending Balance	198	299
Ending balance: collectively evaluated for impairment	198	299
Ending balance	42,419	44,841
Ending balance: Individually evaluated for impairment	0	22
Ending balance: collectively evaluated for impairment	42,419	44,819
All Other Loans
Financing Receivable Impaired [Line Items]
Beginning Balance	472	291
Cumulative effect adjustment for adoption of ASC 326	(90)
Charge-Offs	(182)	(271)
Recoveries	181	13
Provision	13	439
Ending Balance	394	472
Ending balance: collectively evaluated for impairment	394	472
Ending balance	13,148	12,721
Ending balance: collectively evaluated for impairment	$ 13,148	$ 12,721

Allowance for Credit Losses o_6

Allowance for Credit Losses on Loans - Amortized cost basis of collateral-dependent loans by loan portfolio segment (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Financing Receivable, Past Due [Line Items]
Commercial and industrial loans	$ 5,574
Construction & Secured by Farmland
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	95
Residential First Lein - Investor
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	1,086
Residential First Lein - Owner Occupied
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	194
Residential Junior Liens
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	8
Commercial - Owner Occupied
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	14
Commercial - Non-Owner Occupied & Multifamily
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	3,625
Marine loans
Financing Receivable, Past Due [Line Items]
Commercial and industrial loans	552
Real Estate Collateral
Financing Receivable, Past Due [Line Items]
Commercial and industrial loans	5,022
Real Estate Collateral | Construction & Secured by Farmland
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	95
Real Estate Collateral | Residential First Lein - Investor
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	1,086
Real Estate Collateral | Residential First Lein - Owner Occupied
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	194
Real Estate Collateral | Residential Junior Liens
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	8
Real Estate Collateral | Commercial - Owner Occupied
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	14
Real Estate Collateral | Commercial - Non-Owner Occupied & Multifamily
Financing Receivable, Past Due [Line Items]
Mortgage real estate loans	3,625
Other Collateral
Financing Receivable, Past Due [Line Items]
Commercial and industrial loans	552
Other Collateral | Marine loans
Financing Receivable, Past Due [Line Items]
Commercial and industrial loans	$ 552

Allowance for Credit Losses o_7

Allowance for Credit Losses on Loans (Credit Quality Information By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 1,452,899	$ 1,199,230
Commercial - Non Real Estate: Commercial & Industrial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	51	247,659
Commercial - Non Real Estate: Commercial & Industrial | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	51
Commercial - Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	251,456	232,115
Commercial - Owner Occupied | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	36,736
Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	72,685
Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	41,738
Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	25,514
Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15,848
Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	51,469
Commercial - Owner Occupied | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,088
Commercial - Owner Occupied | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,378
Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	348,879	275,520
Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	57,134
Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	93,266
Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	67,690
Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	72,490
Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15,563
Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,889
Commercial - Non-Owner Occupied & Multifamily | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,196
Commercial - Non-Owner Occupied & Multifamily | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5,651
Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	84,145	11,256
Construction And Farmland Residential | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	34,617
Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	22,633
Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	7,584
Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,996
Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,429
Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,777
Construction And Farmland Residential | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	7,052
Construction And Farmland Residential | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	57
Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		78,395
Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		43,588
Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		258,170
Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		39,806
All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		12,721
HELOCs [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	47,674
HELOCs [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	47,674
Residential First Lien - Investor [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	117,431
Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	19,394
Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	24,478
Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	32,456
Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	11,847
Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,680
Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	24,209
Residential First Lien - Investor [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	367
Residential First Lien - Owner Occupied [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	178,180
Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	59,007
Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	33,793
Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	23,749
Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,783
Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,932
Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21,327
Residential First Lien - Owner Occupied [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	589
Residential Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,831
Residential Junior Liens [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,562
Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,902
Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,429
Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,486
Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	606
Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,640
Residential Junior Liens [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	206
Other commercial and industrial loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	107,777
Current period gross charge-offs	312
Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	16,177
Current period gross charge-offs	231
Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	26,798
Current period gross charge-offs	81
Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,659
Current period gross charge-offs	0
Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,840
Current period gross charge-offs	0
Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,630
Current period gross charge-offs	0
Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,907
Current period gross charge-offs	0
Other commercial and industrial loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	43,417
Current period gross charge-offs	0
Other commercial and industrial loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,349
Current period gross charge-offs	0
Marine loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	251,168
Current period gross charge-offs	126
Marine loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	86,368
Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	128,641
Current period gross charge-offs	126
Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,492
Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	667
Consumer loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	42,419
Current period gross charge-offs	121
Consumer loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,427
Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	13,950
Current period gross charge-offs	3
Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	6,205
Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,687
Current period gross charge-offs	66
Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,747
Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21
Consumer loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,354
Current period gross charge-offs	52
Consumer loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	28
Overdrafts [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	253
Current period gross charge-offs	182
Overdrafts [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	253
Current period gross charge-offs	182
Other Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,895
Other Loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	69
Other Loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,176
Other Loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	0
Other Loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,587
Other Loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	55
Other Loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8
Total by Risk Category [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,455,159
Current period gross charge-offs	741
Total by Risk Category [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	315,744
Current period gross charge-offs	413
Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	429,322
Current period gross charge-offs	210
Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	227,053
Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	166,310
Current period gross charge-offs	66
Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	48,435
Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	144,826
Total by Risk Category [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	110,836
Current period gross charge-offs	52
Total by Risk Category [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,633
Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		1,144,320
Pass | Commercial - Non Real Estate: Commercial & Industrial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	51	247,061
Pass | Commercial - Non Real Estate: Commercial & Industrial | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	51
Pass | Commercial - Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	240,664	212,074
Pass | Commercial - Owner Occupied | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	36,736
Pass | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	68,868
Pass | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	40,707
Pass | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	22,871
Pass | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	13,971
Pass | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	50,059
Pass | Commercial - Owner Occupied | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,088
Pass | Commercial - Owner Occupied | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,364
Pass | Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	331,137	257,625
Pass | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	56,510
Pass | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	88,518
Pass | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	64,005
Pass | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	65,075
Pass | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15,563
Pass | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	34,619
Pass | Commercial - Non-Owner Occupied & Multifamily | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,196
Pass | Commercial - Non-Owner Occupied & Multifamily | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5,651
Pass | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	80,839	11,235
Pass | Construction And Farmland Residential | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	34,617
Pass | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21,460
Pass | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	7,584
Pass | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,851
Pass | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,389
Pass | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,829
Pass | Construction And Farmland Residential | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	7,052
Pass | Construction And Farmland Residential | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	57
Pass | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		69,427
Pass | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		43,124
Pass | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		251,247
Pass | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		39,806
Pass | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		12,721
Pass | HELOCs [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	47,610
Pass | HELOCs [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	47,610
Pass | Residential First Lien - Investor [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	111,323
Pass | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	19,394
Pass | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	23,205
Pass | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	31,371
Pass | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,667
Pass | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,054
Pass | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	22,265
Pass | Residential First Lien - Investor [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	367
Pass | Residential First Lien - Owner Occupied [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	177,266
Pass | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	59,007
Pass | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	33,793
Pass | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	23,749
Pass | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,783
Pass | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,932
Pass | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	20,413
Pass | Residential First Lien - Owner Occupied [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	589
Pass | Residential Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,787
Pass | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,562
Pass | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,902
Pass | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,429
Pass | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,486
Pass | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	606
Pass | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,613
Pass | Residential Junior Liens [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	189
Pass | Other commercial and industrial loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	106,053
Pass | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15,052
Pass | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	26,798
Pass | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,659
Pass | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,824
Pass | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,629
Pass | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,898
Pass | Other commercial and industrial loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	43,188
Pass | Other commercial and industrial loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,005
Pass | Marine loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	250,616
Pass | Marine loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	86,001
Pass | Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	128,456
Pass | Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,492
Pass | Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	667
Pass | Consumer loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	42,419
Pass | Consumer loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,427
Pass | Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	13,950
Pass | Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	6,205
Pass | Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,687
Pass | Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,747
Pass | Consumer loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21
Pass | Consumer loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,354
Pass | Consumer loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	28
Pass | Other Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,895
Pass | Other Loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	69
Pass | Other Loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,176
Pass | Other Loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	0
Pass | Other Loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,587
Pass | Other Loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	55
Pass | Other Loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8
Pass | Total by Risk Category [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,413,660
Pass | Total by Risk Category [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	313,375
Pass | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	418,126
Pass | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	221,252
Pass | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	154,911
Pass | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	44,891
Pass | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	138,304
Pass | Total by Risk Category [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	110,543
Pass | Total by Risk Category [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12,258
Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		43,170
Special Mention | Commercial - Non Real Estate: Commercial & Industrial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		526
Special Mention | Commercial - Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	9,305	20,020
Special Mention | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,817
Special Mention | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	64
Special Mention | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,145
Special Mention | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,877
Special Mention | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,402
Special Mention | Commercial - Owner Occupied | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	0
Special Mention | Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	14,117	16,189
Special Mention | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	624
Special Mention | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,748
Special Mention | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,685
Special Mention | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5,060
Special Mention | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,028
Special Mention | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,173
Special Mention | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,040
Special Mention | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	815
Special Mention | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		153
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
Special Mention | HELOCs [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	49
Special Mention | HELOCs [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	49
Special Mention | Residential First Lien - Investor [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5,023
Special Mention | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,273
Special Mention | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,180
Special Mention | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	626
Special Mention | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,944
Special Mention | Residential First Lien - Owner Occupied [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	258
Special Mention | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	258
Special Mention | Other commercial and industrial loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,712
Special Mention | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,125
Special Mention | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	13
Special Mention | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1
Special Mention | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	9
Special Mention | Other commercial and industrial loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	220
Special Mention | Other commercial and industrial loans [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	344
Special Mention | Total by Risk Category [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	33,492
Special Mention | Total by Risk Category [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,749
Special Mention | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	11,011
Special Mention | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,749
Special Mention | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,398
Special Mention | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,544
Special Mention | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,428
Special Mention | Total by Risk Category [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	269
Special Mention | Total by Risk Category [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	344
Classified [Member] | Commercial - Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,487
Classified [Member] | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	967
Classified [Member] | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	498
Classified [Member] | Commercial - Owner Occupied | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8
Classified [Member] | Commercial - Owner Occupied | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	14
Classified [Member] | Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,625
Classified [Member] | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,355
Classified [Member] | Commercial - Non-Owner Occupied & Multifamily | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,270
Classified [Member] | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	278
Classified [Member] | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	145
Classified [Member] | Construction And Farmland Residential | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	133
Classified [Member] | HELOCs [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15
Classified [Member] | HELOCs [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15
Classified [Member] | Residential First Lien - Investor [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,085
Classified [Member] | Residential First Lien - Investor [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,085
Classified [Member] | Residential First Lien - Owner Occupied [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	656
Classified [Member] | Residential First Lien - Owner Occupied [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	656
Classified [Member] | Residential Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	44
Classified [Member] | Residential Junior Liens [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	27
Classified [Member] | Residential Junior Liens [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	17
Classified [Member] | Other commercial and industrial loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	12
Classified [Member] | Other commercial and industrial loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3
Classified [Member] | Other commercial and industrial loans [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	9
Classified [Member] | Marine loans [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	552
Classified [Member] | Marine loans [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	367
Classified [Member] | Marine loans [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	185
Classified [Member] | Overdrafts [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	253
Classified [Member] | Overdrafts [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	253
Classified [Member] | Total by Risk Category [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,007
Classified [Member] | Total by Risk Category [Member] | Term Loan Amortized Cost Basis by Origination Year 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	620
Classified [Member] | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	185
Classified [Member] | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,052
Classified [Member] | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,001
Classified [Member] | Total by Risk Category [Member] | Term Loan Amortized Cost Basis By Origination Year Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,094
Classified [Member] | Total by Risk Category [Member] | Revolving Loans Amortized Cost Basis [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	24
Classified [Member] | Total by Risk Category [Member] | Revolving Loans Converted to Term [Member]
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 31
Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		11,740
Substandard | Commercial - Non Real Estate: Commercial & Industrial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		72
Substandard | Commercial - Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		21
Substandard | Commercial - Non-Owner Occupied & Multifamily
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		1,706
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
Substandard | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		154
Substandard | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		951
Performing Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		116,908
Nonperforming Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		$ 202

Restructurings for Borrowers _3

Restructurings for Borrowers Experiencing Financial Difficulty (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022 USD ($) Loan Contract
Financing Receivable Modifications [Line Items]
Number of troubled debt restructured loans | Loan		28
Mortgage Loans on Real Estate Weighted Average Term	1 year
Total troubled debt restructured loans | $		$ 4,600
Financing Receivable, Modifications, Nonaccrual, Number of Contracts | Loan		2
Financing Receivable, Modifications, Nonaccrual, Recorded Investment | $		$ 133
Number of contractions modified by granting concession		13
Troubled debt restructuring modifications by granting a refinance		1
Troubled Debt Restructuring Modifications Number Of Contracts		13
Consumer Installment
Financing Receivable Modifications [Line Items]
Troubled Debt Restructuring Modifications Number Of Contracts		1
Residential Single Family
Financing Receivable Modifications [Line Items]
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

Restructurings for Borrowers _4

Restructurings for Borrowers Experiencing Financial Difficulty (Modified amortized cost of loans) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Residential First Lien - Owner Occupied [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Mortgage loans on real estate, percentage	0.20%
Term Extension [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Total	$ 355
Term Extension [Member] | Residential First Lien - Owner Occupied [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Total	355
Total Modification [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Total	355
Total Modification [Member] | Residential First Lien - Owner Occupied [Member]
Troubled Debt Restructuring Subsequent Periods [Line Items]
Total	$ 355

Restructurings for Borrowers _5

Restructurings for Borrowers Experiencing Financial Difficulty (Schedule of Troubled Debt Restructurings on Financing Receivables) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Contract
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	13
Pre-Modification Outstanding Recorded Investment	$ 2,681
Post-Modification Outstanding Recorded Investment	$ 2,710
Residential Single Family
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | Contract	9
Pre-Modification Outstanding Recorded Investment	$ 1,676
Post-Modification Outstanding Recorded Investment	$ 1,704
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
Pre-Modification Outstanding Recorded Investment	$ 20
Post-Modification Outstanding Recorded Investment	$ 21

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, 2023	Dec. 31, 2022
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 35,620	$ 34,638
Less accumulated depreciation	17,512	16,574
Bank premises and equipment, net	18,108	18,064
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	19,247	18,649
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 9,729	$ 9,345

Bank Premises and Equipment, _4

Bank Premises and Equipment, Net (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Property Plant And Equipment [Line Items]
Depreciation	$ 1,002	$ 979
Building and improvements [Member]
Property Plant And Equipment [Line Items]
Depreciation	498	486
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Depreciation	$ 504	$ 493

Deposits (Composition of Deposi

Deposits (Composition of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Noninterest bearing demand deposits	$ 436,619	$ 478,750
Savings and interest bearing demand deposits:
NOW accounts	253,353	189,144
Money market accounts	263,633	265,290
Regular savings accounts	139,453	172,997
Savings and interest bearing demand deposits	656,439	627,431
Time deposits:
Balances of less than $250,000	257,418	87,531
Balances of $250,000 or greater	155,846	70,363
Time Deposits	413,264	157,894
Total deposits	$ 1,506,322	$ 1,264,075

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Reciprocal Money Market Accounts Domestic	$ 115,700	$ 59,500
Deposit overdrafts reclassified as loans	253	218
Time deposits with balances of less than $250,000 in brokered certificates of deposit	$ 30,100	$ 4,600

Deposits (Schedule of Outstandi

Deposits (Schedule of Outstanding Balance of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
2024	$ 402,814
2025	5,019
2026	2,450
2027	1,844
2028	327
Thereafter	810
Time Deposits	$ 413,264	$ 157,894

Borrowings (Summary of Informat

Borrowings (Summary of Information Related to Federal Funds Purchased) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Advance from Federal Home Loan Bank [Abstract]
Balance at year-end	$ 20,000	$ 207,980
Average balance during the year	$ 45,801	$ 47,470
Average interest rate during the year	4.68%	3.09%
Maximum month-end balance during the year	$ 150,000	$ 207,980

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Mar. 31, 2022
Schedule of Federal Home Loan Bank Advances [Line Items]
Unused line of credit total	$ 169,600
Federal Home Loan Bank advances		$ 175,000
Federal funds purchased	0	32,980
FHLB irrevocable letter of credit	$ 115,600
Fixed floating rate	4.50%
fixed rate end date	Apr. 01, 2027
Debt issuance costs	$ 673
Debt balance	30,000	30,000
Unamortized debt issuance cost	$ 556	623
Subordinated Notes due April 1, 2032
Schedule of Federal Home Loan Bank Advances [Line Items]
Aggregate principal amount			$ 30,000
Fixed floating rate			4.50%
SOFR
Schedule of Federal Home Loan Bank Advances [Line Items]
Redemption interest rate	2.35%
Debt, redemption date	Apr. 01, 2027
Long-term borrowings [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank advances	$ 145,000
Short term borrowings [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank advances	20,000
Federal fund lines of credit, Totaled	$ 78,000
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 funds purchased	$ 0	33,000
Federal Home Loan Bank of Atlanta [Member] | Long-term borrowings [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank advances	145,000	0
Federal Home Loan Bank of Atlanta [Member] | Short term borrowings [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank advances	$ 20,000	$ 175,000

Income Taxes (Schedule of Net D

Income Taxes (Schedule of Net Deferred Tax Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Allowance for loan losses	$ 3,043	$ 2,342
Reserve for unfunded commitments	101	14
Share-based compensation	327	222
Accrued postretirement benefits	18	21
Home equity origination costs	85	81
Accrued incentive benefit	89	0
Nonaccrual interest	75	48
Lease liabilities	977	1,045
Credit carryforward	1,689	648
Securities available for sale	4,790	5,440
Other	25	26
Total deferred tax assets	11,219	9,887
Deferred tax liabilities:
Property and equipment	853	710
Right-of-use assets	921	1,001
Loan servicing rights	32	144
Total deferred tax liabilities	1,806	1,855
Net deferred tax asset	$ 9,413	$ 8,032

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Current tax expense	$ 2,785	$ 3,236
Deferred tax (benefit)	(1,509)	(86)
Total income tax expense	$ 1,276	$ 3,150

Income Taxes (Schedule of Incom

Income Taxes (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Statutory federal corporate tax amount	$ 2,232	$ 3,711
Tax-exempt interest (income)	(76)	(81)
Officer insurance (income)	(134)	(131)
Net tax credits	(756)	(353)
Other, net	10	4
Total income tax expense	$ 1,276	$ 3,150

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Effective income tax rate	12%	17.83%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	May 16, 2023
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock incentive plan, authorized common stock			250,000
Compensation expense	$ 1,200	$ 1,000
Grant date fair value of vested Restricted Stock	579	741
Vest date fair value of vested Restricted Stock	609	$ 819
Unrecognized compensation cost related to unvested Restricted Stock	$ 456
Weighted-average period for unrecognized compensation cost to be recognized	2 years
Director [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	1 year
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	2 years

Stock-Based Compensation (Restr

Stock-Based Compensation (Restricted Stock Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Nonvested, beginning of period	38,780	31,738
Granted	37,941	31,648
Vested	(17,402)	(23,079)
Forfeited	(2,405)	(1,527)
Nonvested, end of period	56,914	38,780
Nonvested, beginning of period	$ 33.47	$ 30.7
Granted	35.79	35.19
Vested	33.26	32.11
Forfeited	35.4	32.13
Nonvested, end of period	$ 35.06	$ 33.47

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
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	$ 2,200	$ 1,900
Maximum age benefit could be reduced or forfeited	65 years
Supplemental income benefit liability	$ 4	8
Supplemental income benefit expense	$ 29	$ 29
Shares repurchase and Moved	8,531	4,442
ESOP[Member]
Defined Contribution Plan [Line Items]
Shares repurchase and Moved	3,772
Shares moved to participant accounts	91,505
Employee Stock Ownership Plan ESOP Shares Contribution	0	0
Minimum
Defined Contribution Plan [Line Items]
Non-elective safe-harbor contribution received each December 31st	1%
Maximum
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, 2023	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Required compensating balance on deposit	$ 250	$ 250

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Operating Leased Assets [Line Items]
Operating lease asset	$ 4,387	$ 4,766
Operating lease, liability	$ 4,653	$ 4,978

Leases - Schedule of Lease Info

Leases - Schedule of Lease Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Lease liability	$ 4,653	$ 4,978
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Right-of-use asset	$ 4,387	$ 4,766
Weighted average remaining lease term	14 years	14 years
Weighted average discount term	3.09%	3.04%
Lease Cost
Operating lease cost	$ 528	$ 528
Variable lease cost	0	0
Short-term lease cost	14	15
Total lease cost	542	543
Cash paid for amounts included in the measurement of lease liabilities	$ 473	$ 466

Leases - Schedule of Maturity o

Leases - Schedule of Maturity of Lease Liability (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
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
Twelve months ending December 31, 2028	395
Thereafter	3,754
Total undiscounted cash flows	5,921
Discount	$ (1,268)
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Lease liability	$ 4,653	$ 4,978

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, 2023	Dec. 31, 2022
Related Party Transaction [Line Items]
Aggregate balance of loans to directors, principal officers, and their related parties	$ 5,000	$ 5,100
Total principal additions	544
Total principal payments	689
Aggregate balance of deposits from directors, principal officers and their related parties	$ 7,000	$ 11,100

Capital Requirements - Addition

Capital Requirements - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023 Rate	Dec. 31, 2022 Rate
Banking Regulation, Total Capital [Abstract]
Minimum leverage ratio	9%	9%
Maximum leverage ratio maintainance	8.48%	8%
Capital conservation bufferd, Minimum	2.50%

Capital Requirements (Schedule

Capital Requirements (Schedule of Capital Requirements) (Details) - The Bank [Member] - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common Equity Tier 1 Capital	$ 155,453
Total Capital to Risk Weighted Assets, Actual, Amount	168,925
Tier 1 Capital Risk Weighted Assets, Actual, Amount	155,453
Tier 1 Capital to Average Assets, Actual, Amount	$ 155,453	$ 142,530
Common Equity Tier One Capital to Risk Weighted Assets	10.27%
Total Capital to Risk Weighted Assets, Actual, Ratio	11.16%
Tier 1 Capital Risk Weighted Assets, Actual, Ratio	10.27%
Tier 1 Capital to Average Assets, Actual, Ratio	8.48%	9.15%
Common Equity Tier One Capital Required for Capital Adequacy	$ 68,121
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	121,104
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount	90,828
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount	$ 73,367
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	$ 98,397
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	151,380
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	121,104
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 91,709	$ 140,210
Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets	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%	9%

Restrictions On Dividends, Lo_2

Restrictions On Dividends, Loans, and Advances (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 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	$ 32.3
Restricted net assets	103.9
Funds available for loans or advances	$ 16.9

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, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Commitments to extend credit	$ 37,724	$ 27,927
Unfunded commitments under lines of credit	227,717	191,259
Commercial and standby letters of credit	$ 3,964	$ 7,069

Financial Instruments with Of_4

Financial Instruments with Off-Balance-Sheet Risk - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Collateralized letters of credit outstanding	$ 3,800
Excess of insurance limits held in cash accounts	9,000
initial adjustment for the adoption of credit losses for Unfunded Commitments	406
Reserve credit losses for Unfunded Commitments	$ 479	$ 65

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, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Disaggregation Of Revenue [Line Items]
Noninterest income										$ 0	$ 3
(Loss) on the sale and disposal of bank premises and equipment	[1]									14	(11)
Gain on the sale of marine finance assets										435	0
(Loss) on sale of securities										0	(737)
Gain on sale of loans										1,428	1,875
Bank owned life insurance income										713	626
Other operating income	[2]									1,006	1,882
Total noninterest income		$ 3,653	$ 4,209	$ 3,357	$ 3,526	$ 3,089	$ 3,164	$ 3,849	$ 3,243	14,745	13,345
Trust asset management fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									3,871	3,095
Overdrawn account fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									1,399	1,194
Monthly and other service charges
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									411	424
Interchange fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									449	366
ATM fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									3,392	3,103
Brokerage commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									1,055	1,054
Other charges and fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[3]									$ 572	$ 471
[1] Income within the scope of Topic 606. Includes income within the scope of Topic 606 of $778 thousand and $1.2 million for the years ended December 31, 2023 and 2022 , respectively. The remaining balance is outside the scope of Topic 606. Includes income within the scope of Topic 606 of $327 thousand and $309 thousand for the years ended December 31, 2023 and 2022 , 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, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Total interest and dividend income	$ 22,015	$ 22,191	$ 20,364	$ 18,558	$ 16,164	$ 14,366	$ 12,647	$ 11,509	$ 83,128	$ 54,686
Net interest income after provision for loan losses	11,923	12,700	12,039	11,980	12,326	12,899	11,559	10,599	48,642	47,383
Noninterest income	3,653	4,209	3,357	3,526	3,089	3,164	3,849	3,243	14,745	13,345
Noninterest expenses	13,280	14,133	12,955	12,386	11,548	11,058	10,528	9,923	52,754	43,057
Income before income taxes	2,296	2,776	2,441	3,120	3,867	5,005	4,880	3,919	10,633	17,671
Net Income (Loss)	$ 2,395	$ 2,319	$ 2,058	$ 2,585	$ 3,197	$ 4,082	$ 3,992	$ 3,250	$ 9,357	$ 14,521
Net income per common share, basic	$ 0.69	$ 0.66	$ 0.58	$ 0.73	$ 0.92	$ 1.17	$ 1.14	$ 0.94	$ 2.66	$ 4.17
Net income per common share, diluted	0.69	0.66	0.58	0.73	0.92	1.17	1.14	0.94	2.66	4.17
Dividends declared, per share	$ 0.3	$ 0.3	$ 0.3	$ 0.3	$ 0.3	$ 0.29	$ 0.28	$ 0.28	$ 1.2	$ 1.15

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, 2023	Dec. 31, 2022
Securities available for sale
Total assets at fair value	$ 138,908	$ 150,173
Derivative:
Interest rate swaps	1,465	1,017
Liabilities:
Interest rate swaps	1,465	1,017
Total liabilities at fair value	1,465	1,017
Significant Other Observable Inputs (Level 2)
Securities available for sale
Total assets at fair value	138,908	150,173
Derivative:
Interest rate swaps	1,465	1,017
Liabilities:
Interest rate swaps	1,465	1,017
Total liabilities at fair value	1,465	1,017
Obligations Of U.S. Government Corporations And Agencies [Member]
Securities available for sale
Total assets at fair value	8,591	9,135
Obligations Of U.S. Government Corporations And Agencies [Member] | Significant Other Observable Inputs (Level 2)
Securities available for sale
Total assets at fair value	8,591	9,135
U.S. Treasury Notes [Member]
Securities available for sale
Total assets at fair value		0
U.S. Treasury Notes [Member] | Significant Other Observable Inputs (Level 2)
Securities available for sale
Total assets at fair value		0
Mortgage-Backed Securities [Member]
Securities available for sale
Total assets at fair value	118,822	129,153
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2)
Securities available for sale
Total assets at fair value	118,822	129,153
Obligations Of States And Political Subdivisions [Member]
Securities available for sale
Total assets at fair value	5,931	6,607
Obligations Of States And Political Subdivisions [Member] | Significant Other Observable Inputs (Level 2)
Securities available for sale
Total assets at fair value	5,931	6,607
Subordinated Debt [Member]
Securities available for sale
Total assets at fair value	4,099	4,261
Subordinated Debt [Member] | Significant Other Observable Inputs (Level 2)
Securities available for sale
Total assets at fair value	$ 4,099	$ 4,261

Fair Value Measurements (Additi

Fair Value Measurements (Additional Information) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Other Real Estate Owned	$ 0	$ 108

Fair Value Measurements (Quanti

Fair Value Measurements (Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets) (Details) - Other Real Estate Owned	12 Months Ended
	Dec. 31, 2022
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	6%
Measurement Input, Discount for selling costs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	6%

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, 2023	Dec. 31, 2022
Nonfinancial Assets:
Other real estate owned, net of allowance	$ 0	$ 108
Nonrecurring | Nonfinancial Assets
Nonfinancial Assets:
Other real estate owned, net of allowance		108
Nonrecurring | Significant Other Observable Inputs (Level 2) | Nonfinancial Assets
Nonfinancial Assets:
Other real estate owned, net of allowance		$ 108

Fair Value Measurements (Compan

Fair Value Measurements (Company's Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial Assets:
Cash and short-term investments	$ 138,353	$ 66,894
Securities available for sale	137,443	149,156
Restricted Investments	9,568	9,233
Loans held for sale	1,661	153
Loans, net	1,448,193	1,312,565
Bank owned life insurance	29,575	23,862
Accrued interest receivable	5,008	3,902
Interest rate swaps	1,465	1,017
Financial Liabilities:
Deposits	1,506,322	1,264,075
Federal funds purchased	0	32,980
Federal Home Loan Bank advances		175,000
Subordinated debt	29,444	29,377
Accrued interest payable	2,364	926
Interest rate swaps	1,465	1,017
Fair Value
Financial Assets:
Cash and short-term investments	138,353	66,894
Securities available for sale	137,443	149,156
Restricted Investments	9,568	9,233
Loans held for sale	1,661	153
Loans, net	1,377,017	1,260,149
Bank owned life insurance	29,575	23,862
Accrued interest receivable	5,008	3,902
Interest rate swaps	1,465	1,017
Financial Liabilities:
Deposits	1,506,147	1,262,859
Federal funds purchased		32,980
Federal Home Loan Bank advances		174,705
Subordinated debt	25,581	26,101
Accrued interest payable	2,364	926
Interest rate swaps	1,465	1,017
Short term borrowings [Member]
Financial Liabilities:
Federal Home Loan Bank advances	20,000
Short term borrowings [Member] | Fair Value
Financial Liabilities:
Federal Home Loan Bank advances	19,954
Long-term borrowings [Member]
Financial Liabilities:
Federal Home Loan Bank advances	145,000
Long-term borrowings [Member] | Fair Value
Financial Liabilities:
Federal Home Loan Bank advances	145,141
Quoted Prices In Active Markets For Identical Assets (Level 1)
Financial Assets:
Cash and short-term investments	138,353	66,894
Significant Other Observable Inputs (Level 2)
Financial Assets:
Securities available for sale	137,443	149,156
Restricted Investments	9,568	9,233
Loans held for sale	1,661	153
Bank owned life insurance	29,575	23,862
Accrued interest receivable	5,008	3,902
Interest rate swaps	1,465	1,017
Financial Liabilities:
Deposits	1,506,147	1,262,859
Federal funds purchased		32,980
Federal Home Loan Bank advances		174,705
Subordinated debt	25,581	26,101
Accrued interest payable	2,364	926
Interest rate swaps	1,465	1,017
Significant Other Observable Inputs (Level 2) | Short term borrowings [Member]
Financial Liabilities:
Federal Home Loan Bank advances	19,954
Significant Other Observable Inputs (Level 2) | Long-term borrowings [Member]
Financial Liabilities:
Federal Home Loan Bank advances	145,141
Significant Unobservable Inputs (Level 3)
Financial Assets:
Loans, net	$ 1,377,017	$ 1,260,149

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, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ (20,446)	$ (155)
Other comprehensive (loss) income before reclassifications	3,087	(26,422)
Reclassifications from other comprehensive income (loss)		737
Tax effect of current period changes	(647)	5,394
Total other comprehensive income (loss)	2,440	(20,291)
Ending balance	(18,006)	(20,446)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	(20,465)	(174)
Other comprehensive (loss) income before reclassifications	3,095	(26,422)
Reclassifications from other comprehensive income (loss)	0	737
Tax effect of current period changes	(650)	5,394
Total other comprehensive income (loss)	2,445	(20,291)
Ending balance	(18,020)	(20,465)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	19	19
Other comprehensive (loss) income before reclassifications	(8)
Reclassifications from other comprehensive income (loss)	3
Total other comprehensive income (loss)	(5)
Ending balance	$ 14	$ 19

Change in Accumulated Other C_4

Change in Accumulated Other Comprehensive (Loss) (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments		$ 737
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	$ 0	737
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	3
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ 0	$ 155

Condensed Financial Informati_3

Condensed Financial Information - Parent Company Only (Schedule of Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Other assets	$ 42,696	$ 36,682
Total assets	1,825,597	1,616,717
Liabilities and Shareholders’ Equity
Subordinated Debt	29,444	29,377
Other liabilities	16,452	13,556
Total liabilities	1,717,218	1,514,988
Shareholders’ Equity
Common stock	8,660	8,629
Surplus	14,280	13,268
Retained earnings	103,445	100,278
Accumulated other comprehensive (loss)	(18,006)	(20,446)	$ (155)
Total shareholders’ equity	108,379	101,729	$ 110,280
Total liabilities and shareholders’ equity	1,825,597	1,616,717
Parent Company [Member]
Assets
Cash held in subsidiary bank	1,125	8,222
Investment in subsidiary	136,130	122,767
Other assets	906	455
Total assets	138,161	131,444
Liabilities and Shareholders’ Equity
Subordinated Debt	29,444	29,377
Other liabilities	338	338
Total liabilities	29,782	29,715
Shareholders’ Equity
Common stock	8,660	8,629
Surplus	14,280	13,268
Retained earnings	103,445	100,278
Accumulated other comprehensive (loss)	(18,006)	(20,446)
Total shareholders’ equity	108,379	101,729
Total liabilities and shareholders’ equity	$ 138,161	$ 131,444

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, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest Expense
Income Tax (Benefit)									$ 1,276	$ 3,150
Net Income	$ 2,395	$ 2,319	$ 2,058	$ 2,585	$ 3,197	$ 4,082	$ 3,992	$ 3,250	9,357	14,521
Comprehensive income									11,797	(5,770)
Parent Company [Member]
Interest and Dividend Income
Dividends from subsidiary bank									4,000	0
Total income									4,000	0
Interest Expense
Interest expense on subordinated debt									1,417	1,067
Other operating expenses									523	369
Total expenses									1,940	1,436
(Loss) income before income tax (benefit) and equity in undistributed earnings of subsidiary bank									2,060	(1,436)
Income Tax (Benefit)									(413)	(315)
(Loss) income before equity in undistributed earnings of subsidiary bank									2,473	(1,121)
Equity in Undistributed Net Income of Subsidiary Bank									6,884	15,642
Net Income									9,357	14,521
Comprehensive income									$ 11,797	$ (5,770)

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, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Cash Flows from Operating Activities
Net Income (Loss)	$ 2,395	$ 2,319	$ 2,058	$ 2,585	$ 3,197	$ 4,082	$ 3,992	$ 3,250	$ 9,357	$ 14,521
Adjustments to reconcile net income to net cash (used in) provided by operating activities
Provision for credit losses									1,649	1,830
Amortization of subordinated debt issuance costs									67	51
Changes in assets and liabilities:
(Increase) decrease in other assets									(4,583)	(4,742)
Increase in other liabilities									1,335	(706)
Net cash provided by operating activities									6,875	13,814
Cash Flows from Investing Activities
Net cash (used in) provided by investing activities									(130,284)	(331,336)
Cash Flows from Financing Activities
Issuance of subordinated debt, net of issuance costs									0	29,326
Cash dividends paid									(4,229)	(3,808)
Issuance of common stock, employee benefit plan									132	164
Repurchase and retirement of common stock									(302)	(154)
Net cash provided by financing activities									194,868	320,348
Increase in cash									71,459	2,826
Parent Company [Member]
Cash Flows from Operating Activities
Net Income (Loss)									9,357	14,521
Adjustments to reconcile net income to net cash (used in) provided by operating activities
Stock-based compensation expense									1,213	1,017
Undistributed earnings of subsidiary bank									(6,884)	(15,642)
Amortization of subordinated debt issuance costs									67	51
Changes in assets and liabilities:
(Increase) decrease in other assets									(451)	(330)
Increase in other liabilities									0	338
Net cash provided by operating activities									3,302	(45)
Cash Flows from Investing Activities
Capital contribution to bank subsidiary									(6,000)	(20,000)
Net cash (used in) provided by investing activities									(6,000)	(20,000)
Cash Flows from Financing Activities
Issuance of subordinated debt, net of issuance costs									0	29,326
Cash dividends paid									(4,229)	(3,808)
Issuance of common stock, employee benefit plan									132	164
Repurchase and retirement of common stock									(302)	(154)
Net cash provided by financing activities									(4,399)	25,528
Increase in cash									(7,097)	5,483
Cash
Beginning				$ 8,222				$ 2,739	8,222	2,739
Ending	$ 1,125				$ 8,222				$ 1,125	$ 8,222

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, 2023	Dec. 31, 2022
Real Estate [Abstract]
Balance, beginning	$ 108
Net loans transferred to OREO	0	$ 108
Sales	(108)
Valuation adjustments	$ 0
Balance, ending		$ 108

Other Real Estate Owned Major C

Other Real Estate Owned Major Classifications of Other Real Estate Owned (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Real Estate Properties [Line Items]
Other real estate, gross	$ 108
Other real estate, gross	108
Total	108
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, 2023	Dec. 31, 2022
Federal Home Loan Banks [Abstract]
Amortization Method Qualified Affordable Housing Project Investments	$ 2,000	$ 2,300
Qualified Affordable Housing Project Investments, Commitment	0	0
Amortization Method Qualified Affordable Housing Project Investments, Amortization	265	278
Affordable Housing Tax Credits and Other Tax Benefits Expected to Be Received	354
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 389	$ 387

Derivatives - (Summarize Key El

Derivatives - (Summarize Key Elements of Derivative Instruments) Customer-related interest rate swap contracts (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
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	$ 41,051	$ 23,141
Assets	621	0
Liabilities	844	1,017
Interest Rate Swap [Member] | Matched Interest Rate Swaps With Borrower [Member]
Derivative [Line Items]
Notional Amount	41,051	23,141
Assets	844	1,017
Liabilities	$ 621	$ 0

Business Segments - Schedule of

Business Segments - Schedule of The wealth management division's revenue and expenses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest Expense									$ 32,837	$ 5,473
Net Interest Income (Expense)									50,291	49,213
Gain on sales of loans									1,428	1,875
Other noninterest income									1,006	1,882
Provision for credit losses									1,649	1,830
Noninterest expenses	$ 13,280	$ 14,133	$ 12,955	$ 12,386	$ 11,548	$ 11,058	$ 10,528	$ 9,923	52,754	43,057
Income before taxes	2,296	2,776	2,441	3,120	3,867	5,005	4,880	3,919	10,633	17,671
Income tax expense (benefit)									1,276	3,150
Net Income	2,395	$ 2,319	$ 2,058	$ 2,585	3,197	$ 4,082	$ 3,992	$ 3,250	9,357	14,521
Other data:
Total assets	1,825,597				1,616,717				1,825,597	1,616,717
Community Banking
Interest Income									67,990	47,554
Interest Expense									25,850	4,026
Net Interest Income (Expense)									42,140	43,528
Gain on sales of loans									1,117	478
Other noninterest income									7,313	7,222
Net Revenue									50,570	51,228
Provision for credit losses									2,051	1,059
Noninterest expenses									44,479	36,401
Income before taxes									4,040	13,768
Income tax expense (benefit)									(103)	2,343
Net Income									4,143	11,425
Other data:
Capital expenditures									1,035	829
Depreciation and amortization									1,573	1,499
Total assets	1,562,600				1,377,461				1,562,600	1,377,461
Marine Lending
Interest Income									15,138	7,132
Interest Expense									5,570	380
Net Interest Income (Expense)									9,568	6,752
Gain on sales of loans									311	1,397
Other noninterest income									1,078	99
Net Revenue									10,957	8,248
Provision for credit losses									(402)	771
Noninterest expenses									5,106	3,695
Income before taxes									6,253	3,782
Income tax expense (benefit)									1,313	794
Net Income									4,940	2,988
Other data:
Capital expenditures									36	9
Depreciation and amortization									224	236
Total assets	261,011				237,595				261,011	237,595
Wealth Management
Interest Income									0	0
Interest Expense									0	0
Net Interest Income (Expense)										0
Gain on sales of loans									0	0
Other noninterest income									4,926	4,149
Net Revenue									4,926	4,149
Provision for credit losses									0	0
Noninterest expenses									2,646	2,590
Income before taxes									2,280	1,559
Income tax expense (benefit)									479	328
Net Income									1,801	1,231
Other data:
Capital expenditures									0	0
Depreciation and amortization									126	124
Total assets	1,080				1,206				1,080	1,206
All Other
Interest Income									0	0
Interest Expense									1,417	1,067
Net Interest Income (Expense)									(1,417)	(1,067)
Gain on sales of loans									0	0
Other noninterest income									0	0
Net Revenue									(1,417)	(1,067)
Provision for credit losses									0	0
Noninterest expenses									523	371
Income before taxes									(1,940)	(1,438)
Income tax expense (benefit)									(413)	(315)
Net Income									(1,527)	(1,123)
Other data:
Capital expenditures									0	0
Depreciation and amortization									67	51
Total assets	906				455				906	455
Eliminations
Interest Income									0	0
Interest Expense									0	0
Net Interest Income (Expense)									0	0
Gain on sales of loans									0	0
Other noninterest income									0	0
Net Revenue									0	0
Provision for credit losses									0	0
Noninterest expenses									0	0
Income before taxes									0	0
Income tax expense (benefit)									0	0
Net Income									0	0
Other data:
Capital expenditures									0	0
Depreciation and amortization									0	0
Total assets	0				0				0	0
Consolidated
Interest Income									83,128	54,686
Interest Expense									32,837	5,473
Net Interest Income (Expense)									50,291	49,213
Gain on sales of loans									1,428	1,875
Other noninterest income									13,317	11,470
Net Revenue									65,036	62,558
Provision for credit losses									1,649	1,830
Noninterest expenses									52,754	43,057
Income before taxes									10,633	17,671
Income tax expense (benefit)									1,276	3,150
Net Income									9,357	14,521
Other data:
Capital expenditures									1,071	838
Depreciation and amortization									1,990	1,910
Total assets	$ 1,825,597				$ 1,616,717				$ 1,825,597	$ 1,616,717

Business Segments (Additional I

Business Segments (Additional Information) (Details) $ in Thousands	Aug. 23, 2023 USD ($)
Loan Purchase Agreement
Proceeds from Sale of Assets Net of Selling Expenses	$ 53,500
Gain on Sale of Marine Business	435
Axos Bank
Loans Sold	52,800
Serviced Loan	$ 595