Eagle Financial Services (EFSI) 10-K 30 Mar 21 2020 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Mar. 18, 2021	Jun. 30, 2020
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, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1601306
Entity Address, Address Line One	2 East Main Street
Entity Address, Address Line Two	P.O. Box 391
Entity Address, City or Town	Berryville
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	22611
City Area Code	(540)
Local Phone Number	955-2510
No Trading Symbol Flag	true
Title of 12(g) Security	Common Stock, Par Value $2.50
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		3,429,686
Entity Public Float			$ 67,812,259
ICFR Auditor Attestation Flag	false
Documents Incorporated by Reference	Portions of the registrant’s Proxy Statement for the 2021 Annual Meeting of Shareholders are incorporated by reference into Part III.

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 12,644	$ 10,920
Interest-bearing deposits with other institutions	67,054	22,487
Federal funds sold	222	252
Total cash and cash equivalents	79,920	33,659
Securities available for sale, at fair value	164,955	165,003
Restricted investments	1,267	1,197
Loans	836,334	644,760
Allowance for loan losses	(7,096)	(4,973)
Net Loans	829,238	639,787
Bank premises and equipment, net	18,725	19,297
Other real estate owned, net of allowance	607	183
Other assets	35,440	18,194
Total assets	1,130,152	877,320
Deposits:
Noninterest bearing demand deposits	407,576	269,171
Savings and interest bearing demand deposits	476,864	364,175
Time deposits	128,658	138,198
Total deposits	1,013,098	771,544
Other liabilities	11,980	9,450
Total liabilities	1,025,078	780,994
Commitments and contingencies
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2020, 3,405,035 including 20,928 unvested restricted stock; issued and outstanding 2019, 3,430,103 including 18,488 unvested restricted stock	8,460	8,529
Surplus	10,811	11,406
Retained earnings	82,524	74,909
Accumulated other comprehensive income	3,279	1,482
Total shareholders’ equity	105,074	96,326
Total liabilities and shareholders’ equity	$ 1,130,152	$ 877,320

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2020	Dec. 31, 2019
Statement Of Financial Position [Abstract]
Preferred stock, par value	$ 10	$ 10
Preferred stock, shares authorized	500,000	500,000
Common stock, par value	$ 2.50	$ 2.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	3,405,035	3,430,103
Common stock, shares, outstanding	3,405,035	3,430,103
Common stock, unvested restricted shares	20,928	18,488

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Interest and Dividend Income
Interest and fees on loans	$ 35,273	$ 31,138
Interest and dividends on securities available for sale:
Taxable interest income	2,858	3,089
Interest income exempt from federal income taxes	588	856
Dividends	76	70
Interest on deposits in banks	112	297
Interest on federal funds sold	1	4
Total interest and dividend income	38,908	35,454
Interest Expense
Interest on deposits	3,256	4,193
Interest on federal funds purchased and securities sold under agreements to repurchase		31
Interest on Federal Home Loan Bank advances	25	15
Total interest expense	3,281	4,239
Net interest income	35,627	31,215
Provision For Loan Losses	1,457	629
Net interest income after provision for loan losses	34,170	30,586
Noninterest Income
Income from fiduciary activities	1,398	1,380
Service charges on deposit accounts	920	1,187
Other service charges and fees	4,757	4,893
Gain (loss) on the sale and disposal of bank premises and equipment	5	137
Gain (loss) on sale of securities	687	(7)
Bank owned life insurance income (expense)	310	(48)
Other operating income	502	217
Total noninterest income	8,579	7,759
Noninterest Expenses
Salaries and employee benefits	18,074	15,025
Occupancy expenses	1,592	1,611
Equipment expenses	988	857
Advertising and marketing expenses	707	868
Stationery and supplies	144	172
ATM network fees	1,009	1,141
Other real estate owned expense	9	76
(Gain) loss on other real estate owned	(143)	443
FDIC assessment	221	105
Computer software expense	679	459
Bank franchise tax	705	656
Professional fees	1,120	1,057
Data processing fees	1,657	1,275
Other operating expenses	2,679	3,031
Total noninterest expenses	29,441	26,776
Income before income taxes	13,308	11,569
Income Tax Expense	2,136	1,810
Net income	$ 11,172	$ 9,759
Earnings Per Share
Net income per common share, basic	$ 3.27	$ 2.84
Net income per common share, diluted	$ 3.27	$ 2.84

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Statement Of Income And Comprehensive Income [Abstract]
Net income	$ 11,172	$ 9,759
Other comprehensive income:
Changes in benefit obligations and plan assets for post retirement benefit plans, net of reclassification adjustments, net of deferred income tax of ($5) and $0 for the years ended December 31, 2020 and 2019, respectively	(25)
Unrealized gain (loss) on available for sale securities, net of reclassification adjustments, net of deferred income tax of $484 and $807 for the years ended December 31, 2020 and 2019, respectively	1,822	3,035
Total other comprehensive income	1,797	3,035
Total comprehensive income	$ 12,969	$ 12,794

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Statement Of Income And Comprehensive Income [Abstract]
Changes in benefit obligations and plan assets for defined benefit and postretirement benefit plans, deferred income taxes	$ (5)	$ 0
Unrealized gain (loss) on available for sale securities, deferred income tax	$ 484	$ 807

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2018	$ 87,599	$ 8,573	$ 11,992	$ 68,587	$ (1,553)
Net income	9,759			9,759
Other comprehensive income (loss)	3,035				3,035
Restricted stock awards, stock incentive plan		46	(46)
Stock-based compensation expense	562		562
Issuance of common stock, dividend investment plan	441	35	406
Issuance of common stock, employee benefit plan	138	10	128
Retirement of common stock	(1,771)	(135)	(1,636)
Dividends declared	(3,437)			(3,437)
Balance at Dec. 31, 2019	96,326	8,529	11,406	74,909	1,482
Net income	11,172			11,172
Other comprehensive income (loss)	1,797				1,797
Restricted stock awards, stock incentive plan		48	(48)
Stock-based compensation expense	604		604
Issuance of common stock, dividend investment plan	359	33	326
Issuance of common stock, employee benefit plan	227	18	209
Retirement of common stock	(1,854)	(168)	(1,686)
Dividends declared	(3,557)			(3,557)
Balance at Dec. 31, 2020	$ 105,074	$ 8,460	$ 10,811	$ 82,524	$ 3,279

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Statement Of Stockholders Equity [Abstract]
Issuance of restricted stock, stock incentive plan, shares	19,238	18,150
Issuance of common stock, dividend investment plan, shares	13,239	14,176
Issuance of common stock, employee benefit plan, shares	7,204	4,064
Retirement of common stock, shares	67,189	53,988
Dividends declared, per share	$ 1.04	$ 1

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities
Net income	$ 11,172	$ 9,759
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,028	957
Amortization of intangible and other assets	411	358
Provision For Loan Losses	1,457	629
(Gain) loss on other real estate owned	(143)	443
(Gain) on the sale and disposal of premises and equipment	(5)	(137)
Loss on the sale of repossessed assets	5
(Gain) loss on the sale of securities	(687)	7
Stock-based compensation expense	604	562
Premium amortization on securities, net	801	487
Bank owned life insurance (income) expense	(310)	48
Deferred tax (benefit) expense	(471)	516
Changes in assets and liabilities:
(Increase) in other assets	(1,397)	(942)
(Decrease) in other liabilities	(1,459)	(1,339)
Net cash provided by operating activities	11,006	11,348
Cash Flows from Investing Activities
Proceeds from maturities, calls, and principal payments of securities available for sale	52,360	24,604
Proceeds from the sale of securities available for sale	28,323	12,350
Purchases of securities available for sale	(78,443)	(54,310)
Proceeds from the sale of restricted investments	2,125	425
Purchase of restricted investments	(2,195)	(452)
Proceeds for the sale of bank premises and equipment	5	279
Purchases of bank premises and equipment	(456)	(1,314)
Proceeds from the sale of other real estate owned	160	631
Proceeds from the sale of repossessed assets	58	16
Purchase of bank-owned life insurance	(12,000)
Net (increase) in loans	(191,411)	(40,211)
Net cash (used in) investing activities	(201,474)	(57,982)
Cash Flows from Financing Activities
Net increase in demand deposits, money market and savings accounts	251,094	45,384
Net (decrease) increase in certificates of deposit	(9,540)	23,056
Net (decrease) increase in federal funds purchased		(1,871)
Issuance of common stock, employee benefit plan	227	138
Retirement of common stock	(1,854)	(1,771)
Cash dividends paid	(3,198)	(2,996)
Net cash provided by financing activities	236,729	61,940
Increase in cash and cash equivalents	46,261	15,306
Cash and Cash Equivalents
Beginning	33,659	18,353
Ending	79,920	33,659
Supplemental Disclosures of Cash Flow Information
Interest	3,351	4,198
Income taxes	2,618
Supplemental Schedule of Noncash Investing and Financing Activities:
Unrealized gain on securities available for sale	2,306	3,842
Minimum postretirement liability adjustment	(30)
Other real estate and repossessed assets acquired in settlement of loans	503	1,167
Issuance of common stock, dividend investment plan	359	441
Lease liabilities arising from right-of-use assets	$ 549	$ 3,745

Nature of Banking Activities an

Nature of Banking Activities and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
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 the Bank grant commercial, financial, agricultural, residential and consumer loans to customers in Virginia 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. 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 Bank of Clarke County (the “Bank”). The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. All significant intercompany accounts and transactions between the Company and the Bank have been eliminated. Trust Assets Eagle Investment Group (“EIG”), as a division of the Bank offers both a trust department and investment services. The trust services division of EIG offers a full range of personal and retirement plan services, which include serving as agent for bill paying and custody of assets, as investment manager with full authority or advisor, as trustee or co-trustee for trusts under will or under agreement, as trustee of life insurance trusts, as guardian or committee, as agent under a power of attorney, as executor or co-executor for estates, as custodian or investment advisor for individual retirement plans, and as trustee or trust advisor for corporate retirement plans such as profit sharing and 401(k) plans. The brokerage division of EIG offers a full range of investment services, which include tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, 529 college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services. Securities and other property held by the Eagle Investment Group in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying consolidated financial statements. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods. Securities Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Debt securities not classified as held to maturity are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Equity securities with readily determinable fair values are carried at fair value, with changes in fair value reported in income. Equity securities without readily determinable fair values are carried at cost, minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be “other than temporary” are reflected in earnings as realized losses. In estimating “other than temporary” impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company’s consolidated balance sheet as restricted investments. Loans The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke, Frederick, and Loudoun, Virginia and the City of Winchester, Virginia. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan fees collected and certain costs incurred related to loan originations are deferred and amortized as an adjustment to interest income over the life of the related loans. Deferred fees and costs are recorded as an adjustment to interest income using a method that approximates a constant yield. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 120 and 90 days delinquent, respectively, unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Troubled Debt Restructurings (TDR) In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a TDR. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on non-accrual status at the time of the TDR, the loan will remain on non-accrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status as noted above. Risks by Loan Portfolio Segments One-to-Four-Family Residential Real Estate Lending Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee. Commercial Real Estate Lending Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. Construction and Land Development Lending There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home. Commercial and Industrial Lending Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. 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. 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. Paycheck Protection Program Loans In 2020, the Company participated in the Paycheck Protection Program (PPP). The PPP commenced subsequent to the passage of the Coronavirus Aid, Relief and Economic Security("CARES") Act in March 2020 and was later expanded by the Paycheck Protection Program and Health Care Enhancement Act of April 2020. The PPP was designed to provide U.S. small businesses with cash-flow assistance during the COVID-19 pandemic through loans that are fully guaranteed by the Small Business Administration (SBA) which may be forgiven upon satisfaction of certain criteria. As of December 31, 2020, the Company had 911 PPP loans with outstanding balances totaling $81.3 million. As compensation for originating the loans, the Company received lender processing fees from the SBA, which were deferred, along with the related loan origination costs. These net fees are being accreted to interest income over the remaining contractual lives of the loans. Upon forgiveness of a PPP loan and repayment by the SBA, which may be prior to the loan's maturity, the remainder of any unrecognized net fees are recognized in interest income. The Company has continued to participate in the newest round of the PPP during the first quarter of 2021. Our outstanding PPP loans were included in the commercial and industrial segment at December 31, 2020, and their underlying guarantees were considered in the determination of the allowance for loan losses as discussed below. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for (recovery of) loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are impaired. An allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. Qualitative factors considered in the general component include the levels and trends in delinquencies and nonperforming loans, trends in volume and terms of loans, the effects of any changes in lending policies, the experience, ability, and depth of management, national and local economic trends and conditions, changes in collateral values, concentrations of credit, the quality of the Company’s loan review system, competition and regulatory requirements. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer loans for impairment disclosures, unless such loans are the subject of a restructuring agreement or are in a nonaccrual status. Bank Premises and Equipment Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment. 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. Retirement Plans The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 11. Stock-Based Compensation Plan During 2014, the Company’s shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as adopted, authorized the issuance of up to 500,000 shares of common stock. This plan is discussed more fully in Note 10. Income Taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is “more likely than not” that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the “more likely than not” recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions. Advertising The Company follows the policy of charging the costs of advertising to expense as incurred. Reclassifications Certain reclassifications have been made to the 2019 financial statements to conform to reporting for 2020. 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, 2020 2019 Average number of common shares outstanding 3,417,543 3,438,410 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,417,543 3,438,410 There were no potentially dilutive securities outstanding in 2020 or 2019. Comprehensive 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. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses. Stock Repurchase Program On June 17, 2020, the Corporation renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2021. During 2020, the Company purchased 67,189 shares of its Common Stock under its stock repurchase program at an average price of $27.60. During 2019, the Company purchased 53,988 shares of its Common Stock under its stock repurchase program at an average price of $32.79. The maximum number of shares that may yet be purchased under the plan as of December 31, 2020 are 121,425. Recent Accounting Pronouncements In June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The FASB has issued multiple updates to ASU 2016-13 as codified in Topic 326, including ASU’s 2019-04, 2019-05, 2019-10, 2019-11, 2020-02, and 2020-03. These ASU’s have provided for various minor technical corrections and improvements to the codification as well as other transition matters. Smaller reporting companies who file with the U.S. Securities and Exchange Commission (SEC) and all other entities who do not file with the SEC are required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements. The Company formed a CECL committee during 2016 which continues to meet weekly to address the compliance requirements. Historic loan data has been gathered and reviewed for completeness and accuracy. In addition, the committee has selected a third-party that is assisting in calculating the financial impact of ASU 2016-13 and anticipates running parallel allowance models under the current and new standard in advance of the required implementation date. Effective November 25, 2019, the SEC adopted Staff Accounting Bulletin (SAB) 119. SAB 119 updated portions of SEC interpretative guidance to align with FASB ASC 326, “Financial Instruments – Credit Losses.” It covers topics including (1) measuring current expected credit losses; (2) development, governance, and documentation of a systematic methodology; (3) documenting the results of a systematic methodology; and (4) validating a systematic methodology. In December 2019, the FASB issued ASU 2019-12, “Income Taxes (Topic 740) – Simplifying the Accounting for Income Taxes.” The ASU is expected to reduce cost and complexity related to the accounting for income taxes by removing specific exceptions to general principles in Topic 740 (eliminating the need for an organization to analyze whether certain exceptions apply in a given period) and improving financial statement preparers’ application of certain income tax-related guidance. This ASU is part of the FASB’s simplification initiative to make narrow-scope simplifications and improvements to accounting standards through a series of short-term projects. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Company is currently assessing the impact that ASU 2019-12 will have on its consolidated financial statements. In January 2020, the FASB issued ASU 2020-01, “Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions between Topic 321, Topic 323, and Topic 815.” The ASU is based on a consensus of the Emerging Issues Task Force and is expected to increase comparability in accounting for these transactions. ASU 2016-01 made targeted improvements to accounting for financial instruments, including providing an entity the ability to measure certain equity securities without a readily determinable fair value at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. Among other topics, the amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting. For public business entities, the amendments in the ASU are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Company does not expect the adoption of ASU 2020-01 to have a material impact on its consolidated financial statements. In March 2020, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2020-04 “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” These amendments provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022. Subsequently, in January 2021, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2021-01 “Reference Rate Reform (Topic 848): Scope.” This ASU clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The ASU also amends the expedients and exceptions in Topic 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. An entity may elect to apply ASU No. 2021-01 on contract modifications that change the interest rate used for margining, discounting, or contract price alignment retrospectively as of any date from the beginning of the interim period that includes March 12, 2020, or prospectively to new modifications from any date within the interim period that includes or is subsequent to January 7, 2021, up to the date that financial statements are available to be issued. An entity may elect to apply ASU No. 2021-01 to eligible hedging relationships existing as of the beginning of the interim period that includes March 12, 2020, and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company is working to identify loans that are directly or indirectly influenced by LIBOR. The Company is assessing ASU 2020-04 and its impact on the Company’s transition away from LIBOR for its loans. On March 12, 2020, the SEC finalized amendments to its “accelerated filer” and “large accelerated filer” definitions. The amendments increase the threshold criteria for meeting these filer classifications and were effective on April 27, 2020. Any changes in filer status are to be applied beginning with the filer’s first annual report filed with the SEC subsequent to the effective date. Prior to these changes, the Company was required to comply with section 404(b) of the Sarbanes Oxley Act concerning auditor attestation over internal control over financial reporting as an “accelerated filer” as it had more than $75 million in public float but less than $700 million at the end of the Company’s most recent second quarter. The rule change revises the definition of “accelerated filers” to exclude entities with public float of less than $700 million and less than $100 million in annual revenues. The Company expects to meet this expanded category of small reporting company and will no longer be considered an accelerated filer. If the Company’s annual revenues exceed $100 million, its category will change back to “accelerated filer”. The classifications of “accelerated filer” and “large accelerated filer” require a public company to obtain an auditor attestation concerning the effectiveness of internal control over financial reporting (ICFR) and include the opinion on ICFR in its annual report on Form 10-K. Non-accelerated filers also have additional time to file quarterly and annual financial statements. All public companies are required to obtain and file annual financial statement audits, as well as provide management’s assertion on effectiveness of internal control over financial reporting, but the external auditor attestation of internal control over financial reporting is not required for non-accelerated filers. As the Bank has total assets exceeding $1.0 billion, it remains subject to FDICIA, which requires an auditor attestation concerning internal controls over financial reporting. As such, other than the additional time provided to file quarterly and annual financial statements, this change does not significantly change the Company’s annual report

Securities

Securities	12 Months Ended
	Dec. 31, 2020
Available For Sale Securities [Abstract]
Securities	NOTE 2. Securities Amortized costs and fair values of securities available for sale at December 31, 2020 and 2019 were as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value December 31, 2020 (in thousands) Obligations of U.S. government corporations and agencies $ 16,576 $ 907 $ — $ 17,483 Mortgage-backed securities 117,161 1,894 (46 ) 119,009 Obligations of states and political subdivisions 25,840 1,373 — 27,213 Subordinated debt 1,250 — — 1,250 $ 160,827 $ 4,174 $ (46 ) $ 164,955 December 31, 2019 (in thousands) Obligations of U.S. government corporations and agencies $ 21,917 $ 363 $ (94 ) $ 22,186 Mortgage-backed securities 107,410 966 (215 ) 108,161 Obligations of states and political subdivisions 33,854 858 (56 ) 34,656 $ 163,181 $ 2,187 $ (365 ) $ 165,003 Carrying amounts of restricted securities at December 31, 2020 and 2019 were as follows: December 31, 2020 December 31, 2019 (in thousands) Federal Reserve Bank Stock $ 344 $ 344 Federal Home Loan Bank Stock 783 713 Community Bankers’ Bank Stock 140 140 $ 1,267 $ 1,197 The amortized cost and fair value of securities available for sale at December 31, 2020, by contractual maturity, are shown below. Maturities may differ from contractual maturities primarily (others could be called) in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties. Amortized Cost Fair Value (in thousands) Due in one year or less $ 751 $ 760 Due after one year through five years 8,587 8,879 Due after five years through ten years 32,281 34,056 Due after ten years 119,208 121,260 $ 160,827 $ 164,955 During the twelve months ended December 31, 2020, the Company sold $28.3 million in available for sale securities with gross gains of $687 thousand and no gross losses. During the twelve months ended December 31, 2019, the Company sold $12.4 million in available for sale securities with gross gains of $37 thousand and gross losses of $44 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, 2020 and 2019 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2020 (in thousands) Mortgage-backed securities $ 12,014 $ 46 $ — $ — $ 12,014 $ 46 $ 12,014 $ 46 $ — $ — $ 12,014 $ 46 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2019 (in thousands) Obligations of U.S. government corporations and agencies $ 5,466 $ 91 $ 1,997 $ 3 $ 7,463 $ 94 Mortgage-backed securities 19,509 176 5,271 39 24,780 215 Obligations of states and political subdivisions 3,127 49 923 7 4,050 56 $ 28,102 $ 316 $ 8,191 $ 49 $ 36,293 $ 365 Gross unrealized losses on available for sale securities included three (3) and twenty-eight (28) debt securities at December 31, 2020 and December 31, 2019, respectively. The Company evaluates securities for other-than-temporary impairment on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company’s mortgage-backed securities are issued by U.S. government agencies, which guarantee payments to investors regardless of the status of the underlying mortgages. Consideration is given to the length of time and the amount of an unrealized loss, the financial condition of the issuer, and the intent and ability of the Company to retain its investment in the issuer long enough to allow for an anticipated recovery in fair value. The fair value of a security reflects its liquidity as compared to similar instruments, current market rates on similar instruments, and the creditworthiness of the issuer. Absent any change in the liquidity of a security or the creditworthiness of the issuer, prices will decline as market rates rise and vice-versa. The primary cause of the unrealized losses at December 31, 2020 and December 31, 2019 was changes in market interest rates. Since the losses can be primarily attributed to changes in market interest rates and not expected cash flows or an issuer’s financial condition, the unrealized losses are deemed to be temporary and management does not intend to sell and it is unlikely that management will be required to sell the securities prior to their anticipated recovery. The Company monitors the financial condition of these issuers continuously and will record other-than-temporary impairment if the recovery of value is unlikely. Securities having a carrying value of $3.1 million at December 31, 2020 were pledged as security for trust accounts.

Loans

Loans	12 Months Ended
	Dec. 31, 2020
Loans And Leases Receivable Disclosure [Abstract]
Loans	NOTE 3. Loans The composition of loans at December 31, 2020 and 2019 was as follows: December 31, 2020 2019 (in thousands) Mortgage loans on real estate: Construction and land development $ 42,544 $ 42,561 Secured by farmland 15,846 13,917 Secured by 1-4 family residential properties 248,246 219,580 Multifamily 21,496 14,415 Commercial 334,661 286,600 Commercial and industrial loans 140,762 46,543 Consumer installment loans 21,321 9,541 All other loans 10,773 12,050 Total loans $ 835,649 $ 645,207 Net deferred loan costs (fees) 685 (447 ) Allowance for loan losses (7,096 ) (4,973 ) $ 829,238 $ 639,787

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Allowance for Loan Losses	NOTE 4. Allowance for Loan Losses Changes in the allowance for loan losses for the years December 31, 2020 and 2019 were as follows: December 31, 2020 2019 (in thousands) Balance, beginning $ 4,973 $ 5,456 Provision charged to operating expense 1,457 629 Recoveries added to the allowance 1,131 201 Loan losses charged to the allowance (465 ) (1,313 ) Balance, ending $ 7,096 $ 4,973 Nonaccrual and past due loans by class at December 31, 2020 and December 31, 2019 were as follows: December 31, 2020 (in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Current Total Loans 90 or More Days Past Due Still Accruing Nonaccrual Loans Commercial - Non Real Estate: Commercial & Industrial $ 43 $ — $ — $ 43 $ 140,719 $ 140,762 $ — $ — Commercial Real Estate: Owner Occupied — — 157 157 165,764 165,921 — 1,227 Non-owner occupied 500 — 122 622 168,118 168,740 — 2,405 Construction and Farmland: Residential — — — — 10,644 10,644 — — Commercial — — 69 69 47,677 47,746 — 69 Consumer: Installment 5 — — 5 21,316 21,321 — 5 Residential: Equity Lines 13 — — 13 31,239 31,252 — 42 Single family 249 123 581 953 216,041 216,994 — 1,006 Multifamily — — — — 21,496 21,496 — — All Other Loans — — — — 10,773 10,773 — — Total $ 810 $ 123 $ 929 $ 1,862 $ 833,787 $ 835,649 $ — $ 4,754 December 31, 2019 (in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Current Total Loans 90 or More Past Due Still Accruing Nonaccrual Loans Commercial - Non Real Estate: Commercial & Industrial $ 47 $ — $ 32 $ 79 $ 46,464 $ 46,543 $ — $ 32 Commercial Real Estate: Owner Occupied 1,078 — — 1,078 147,879 148,957 — 320 Non-owner occupied — — — — 137,643 137,643 — 329 Construction and Farmland: Residential — — — — 7,867 7,867 — — Commercial — — 187 187 48,424 48,611 — 187 Consumer: Installment 55 6 — 61 9,480 9,541 — 8 Residential: Equity Lines 121 — — 121 33,127 33,248 — 65 Single family 471 541 1,251 2,263 184,069 186,332 — 1,244 Multifamily — — — — 14,415 14,415 — — All Other Loans — — — — 12,050 12,050 — — Total $ 1,772 $ 547 $ 1,470 $ 3,789 $ 641,418 $ 645,207 $ — $ 2,185 Allowance for loan losses by segment at December 31, 2020 and December 31, 2019 were as follows: Twelve Months Ended December 31, 2020 (in thousands) Construction and Farmland Residential Real Estate Commercial Real Estate Commercial Consumer All Other Loans Unallocated Total Allowance for credit losses: Beginning Balance $ 446 $ 1,601 $ 1,991 $ 565 $ 54 $ 120 $ 196 $ 4,973 Charge-Offs (119 ) (20 ) (155 ) (49 ) (83 ) (39 ) — (465 ) Recoveries 7 275 302 498 41 8 — 1,131 Provision 1,270 73 (493 ) 360 186 257 (196 ) 1,457 Ending balance $ 1,604 $ 1,929 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,096 Ending balance: Individually evaluated for impairment $ — $ 72 $ — $ — $ — $ — $ — $ 72 Ending balance: collectively evaluated for impairment $ 1,604 $ 1,857 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,024 Loans: Ending balance $ 58,390 $ 269,742 $ 334,661 $ 140,762 $ 21,321 $ 10,773 $ — $ 835,649 Ending balance individually evaluated for impairment $ 105 $ 3,869 $ 3,632 $ 147 $ 15 $ — $ — $ 7,768 Ending balance collectively evaluated for impairment $ 58,285 $ 265,873 $ 331,029 $ 140,615 $ 21,306 $ 10,773 $ — $ 827,881 December 31, 2019 (in thousands) Construction and Farmland Residential Real Estate Commercial Real Estate Commercial Consumer All Other Loans Unallocated Total Allowance for credit losses: Beginning Balance $ 583 $ 1,788 $ 1,988 $ 919 $ 53 $ 97 $ 28 $ 5,456 Charge-Offs — (406 ) — (850 ) (5 ) (52 ) — (1,313 ) Recoveries 8 72 20 52 26 23 — 201 Provision (145 ) 147 (17 ) 444 (20 ) 52 168 629 Ending balance $ 446 $ 1,601 $ 1,991 $ 565 $ 54 $ 120 $ 196 $ 4,973 Ending balance: Individually evaluated for impairment $ 100 $ 51 $ 149 $ — $ — $ — $ — $ 300 Ending balance: collectively evaluated for impairment $ 346 $ 1,550 $ 1,842 $ 565 $ 54 $ 120 $ 196 $ 4,673 Loans: Ending balance $ 56,478 $ 233,995 $ 286,600 $ 46,543 $ 9,541 $ 12,050 $ — $ 645,207 Ending balance individually evaluated for impairment $ 433 $ 3,681 $ 3,053 $ 228 $ 8 $ — $ — $ 7,403 Ending balance collectively evaluated for impairment $ 56,045 $ 230,314 $ 283,547 $ 46,315 $ 9,533 $ 12,050 $ — $ 637,804 Beginning with the three months ended September 30, 2020, the Company changed its allowance methodology for the risk scale used in calculating the environmental factors portion of the general reserves assigned to unimpaired credits. During that quarter, management determined it necessary to adjust each of the risk scores assigned to all nine current qualitative factors due to changes that had occurred both internally and outside of the Company that have an impact on payment defaults, collateral values, risk ratings, etc. Management also determined it necessary to adjust the loss history period from 28 quarters to 12 quarters. The Company believes that the revised risk scale and loss history period is more indicative of the losses and risks inherent in the portfolio. The following table represents the effect on the loan loss provision for year ended December 31, 2020 (in thousands) Calculated Provision (Recovery) Based on Current Methodology Calculation Provision (Recovery) Based on Prior Methodology Difference Portfolio Segment: Construction and Farmland $ 1,270 $ 85 $ 1,185 Residential Real Estate 73 275 (202 ) Commercial Real Estate (493 ) 444 (937 ) Commercial 360 (262 ) 622 Consumer 186 140 46 All Other Loans 257 26 231 Total $ 1,653 $ 708 $ 945 Impaired loans by class at December 31, 2020 and December 31, 2019 were as follows: As of December 31, 2020 (in thousands) Unpaid Principal Balance Recorded Investment Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 246 $ 147 $ — $ 186 $ 16 Commercial Real Estate: Owner Occupied 1,282 1,227 — 1,258 18 Non-owner occupied 2,682 2,405 — 2,444 34 Construction and Farmland: Residential — — — — — Commercial 233 105 — 109 3 Consumer: Installment 16 15 — 22 1 Residential Equity lines 272 42 — 44 — Single family 2,655 2,413 — 2,514 76 Multifamily — — — — — Other Loans — — — — — $ 7,386 $ 6,354 $ — $ 6,577 $ 148 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 1,449 1,431 72 1,448 38 Multifamily — — — — — Other Loans — — — — — $ 1,449 $ 1,431 $ 72 $ 1,448 $ 38 Total: Commercial $ 246 $ 147 $ — $ 186 $ 16 Commercial Real Estate 3,964 3,632 — 3,702 52 Construction and Farmland 233 105 — 109 3 Consumer 16 15 — 22 1 Residential 4,376 3,886 72 4,006 114 Other — — — — — Total $ 8,835 $ 7,785 $ 72 $ 8,025 $ 186 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. As of December 31, 2019 (in thousands) Unpaid Principal Balance Recorded Investment Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 364 $ 228 $ — $ 269 $ 21 Commercial Real Estate: Owner Occupied 369 356 — 358 4 Non-owner occupied 407 329 — 335 — Construction and Farmland: Residential — — — — — Commercial 301 246 — 263 25 Consumer: Installment 9 8 — 9 — Residential: Equity lines 276 65 — 68 1 Single family 2,854 2,435 — 2,583 80 Multifamily 366 367 — 375 21 Other Loans — — — — — $ 4,946 $ 4,034 $ — $ 4,260 $ 152 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied 2,369 2,377 149 2,405 103 Construction and Farmland: Residential — — — — — Commercial 187 187 100 187 8 Consumer: Installment — — — — — Residential: Equity lines — — — — — Single family 879 822 51 833 38 Multifamily — — — — — Other Loans — — — — — $ 3,435 $ 3,386 $ 300 $ 3,425 $ 149 Total: Commercial $ 364 $ 228 $ — $ 269 $ 21 Commercial Real Estate 3,145 3,062 149 3,098 107 Construction and Farmland 488 433 100 450 33 Consumer 9 8 — 9 — Residential 4,375 3,689 51 3,859 140 Other — — — — — Total $ 8,381 $ 7,420 $ 300 $ 7,685 $ 301 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost-recovery method. For financial statement purposes, the recorded investment in nonaccrual loans is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash-basis method. The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows: Pass Pass loans exhibit acceptable history of profits, cash flow ability and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner. Pass Monitored Pass monitored loans may be experiencing income and cash volatility, inconsistent operating trends, nominal liquidity and/or a leveraged balance sheet. A higher level of supervision is required for these loans as the potential for a negative event could impact the borrower’s ability to repay the loan. Special mention Special mention loans exhibit negative trends and potential weakness that, if left uncorrected, may negatively affect the borrower’s ability to repay its obligations. The risk of default is not imminent and the borrower still demonstrates sufficient financial strength to service debt. Substandard Substandard loans exhibit well defined weaknesses resulting in a higher probability of default. The borrowers exhibit adverse financial trends and a diminishing ability or willingness to service debt. Doubtful Doubtful loans exhibit all of the characteristics inherent in substandard loans; however given the severity of weaknesses, the collection of 100% of the principal is unlikely under current conditions. Loss Loss loans are considered uncollectible over a reasonable period of time and of such little value that its continuance as a bankable asset is not warranted. Credit quality information by class at December 31, 2020 and December 31, 2019 was as follows: As of December 31, 2020 (in thousands) INTERNAL RISK RATING GRADES Pass Pass Monitored Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 137,566 $ 2,750 $ 439 $ 7 $ — $ — $ 140,762 Commercial Real Estate: Owner Occupied 126,839 31,927 5,929 1,226 — — 165,921 Non-owner occupied 101,026 42,338 22,555 2,821 — — 168,740 Construction and Farmland: Residential 8,131 2,513 — — — — 10,644 Commercial 19,599 24,982 3,004 161 — — 47,746 Residential: Equity Lines 31,087 124 — 36 5 — 31,252 Single family 193,579 16,639 3,594 3,053 129 — 216,994 Multifamily 10,923 8,700 1,873 — — — 21,496 All other loans 8,438 — 2,335 — — — 10,773 Total $ 637,188 $ 129,973 $ 39,729 $ 7,304 $ 134 $ — $ 814,328 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 21,316 $ 5 As of December 31, 2019 (in thousands) INTERNAL RISK RATING GRADES Pass Pass Monitored Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 42,578 $ 3,815 $ 105 $ 45 $ — $ — $ 46,543 Commercial Real Estate: Owner Occupied 103,958 38,989 5,654 356 — — 148,957 Non-owner occupied 103,909 25,939 5,866 1,929 — — 137,643 Construction and Farm land: Residential 5,094 2,773 — — — — 7,867 Commercial 17,018 30,661 437 495 — — 48,611 Residential: Equity Lines 32,295 889 — 42 22 — 33,248 Single family 162,195 19,427 2,347 2,225 138 — 186,332 Multifamily 11,714 1,337 998 366 — — 14,415 All other loans 11,963 40 47 — — — 12,050 Total $ 490,724 $ 123,870 $ 15,454 $ 5,458 $ 160 $ — $ 635,666 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 9,480 $ 61

Troubled Debt Restructurings

Troubled Debt Restructurings	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Troubled Debt Restructurings	NOTE 5. Troubled Debt Restructurings All loans deemed a troubled debt restructuring, or “TDR”, are considered impaired, and are evaluated for collateral and cash-flow sufficiency. A loan is considered a TDR when the Company, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. All of the following factors are indicators that the Bank has granted a concession (one or multiple items may be present): • The borrower receives a reduction of the stated interest rate to a rate less than the institution is willing to accept at the time of the restructure for a new loan with comparable risk. • The borrower receives an extension of the maturity date or dates at a stated interest rate lower than the current market interest rate for new debt with similar risk characteristics. • The borrower receives a reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement. • The borrower receives a deferral of required payments (principal and/or interest). • The borrower receives a reduction of the accrued interest. There were seventeen (17) troubled debt restructured loans totaling $3.3 million at December 31, 2020. At December 31, 2019, there were eighteen (18) troubled debt restructured loans totaling $3.0 million. Three loans, totaling $796 thousand, were in nonaccrual status at December 31, 2020. Four loans, totaling $401 thousand, were in nonaccrual status at December 31, 2019. There were no outstanding commitments to lend additional amounts to troubled debt restructured borrowers at December 31, 2020 or December 31, 2019. During the year ended December 31, 2020 December 31, 2020 In December 2020, the Consolidated Appropriations Act extended the period established by Section 4013 of the CARES Act for providing temporary relief from TDR classification to the earlier of January 1, 2022 or 60 days after the date when the national emergency concerning COVID-19 terminates. The following tables set forth information on the Company’s troubled debt restructurings by class of financing receivable occurring during the years ended December 31, 2020 and 2019: Twelve Months Ended December 31, 2020 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial Real Estate Non-owner occupied 1 $ 685 $ 685 Consumer: Installment 1 13 13 Residential Single family 3 931 935 Total 5 $ 1,629 $ 1,633 Twelve Months Ended December 31, 2019 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Total — $ — $ — During the twelve months ended December 31, 2020, the Company restructured five loans by granting a concession to the borrower experiencing financial difficulty. The Company restructured one consumer installment loan and one residential single-family loan by granting three 90-day payment deferment periods. The Company restructured one single-family residential loan by reducing the payments due for a period of time and restructured another single-family residential loan by allowing a loan policy exception for a high loan-to-value. The Company also restructured one commercial real estate loan by granting interest-only payments. During the twelve months ended December 31, 2019, the Company did not restructure any loans by granting a concession to the borrower. Loans by class of financing receivable modified as TDRs within the previous 12 months and for which there was a payment default during the stated periods were: Twelve Months Ended December 31, 2020 (in thousands) Number of Contracts Recorded Investment Total — — Twelve Months Ended December 31, 2019 (in thousands) Number of Contracts Recorded Investment Residential Single family 1 $ 72 Total 1 $ 72 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, 2020
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, 2020 and 2019 were as follows: December 31, 2020 2019 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 18,498 18,472 Furniture and equipment 8,358 7,972 $ 33,500 $ 33,088 Less accumulated depreciation 14,775 13,791 Bank premises and equipment, net $ 18,725 $ 19,297 Depreciation expense on buildings and improvements was $500 thousand and $494 thousand for the years ended 2020 and 2019, respectively. Depreciation expense on furniture and equipment was $527 thousand and $463 thousand for the years ended 2020 and 2019, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Deposits	NOTE 7. Deposits The composition of deposits at December 31, 2020 and December 31, 2019 was as follows: December 31, 2020 December 31, 2019 (in thousands) Noninterest bearing demand deposits $ 407,576 $ 269,171 Savings and interest bearing demand deposits: NOW accounts $ 132,249 $ 102,337 Money market accounts 207,837 154,133 Regular savings accounts 136,778 107,705 $ 476,864 $ 364,175 Time deposits: Balances of less than $250,000 $ 59,621 $ 59,094 Balances of $250,000 or greater 69,037 79,104 $ 128,658 $ 138,198 $ 1,013,098 $ 771,544 Money market accounts include $34.6 million and $27.0 million in reciprocal deposits at December 31, 2020 and 2019, respectively. The outstanding balance of time deposits at December 31, 2020 was due as follows: December 31, 2020 (in thousands) 2021 $ 117,375 2022 6,484 2023 2,031 2024 1,391 2025 1,214 Thereafter 163 $ 128,658 Deposit overdrafts reclassified as loans totaled $70 thousand and $135 thousand at December 31, 2020 and 2019, respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2020
Advances From Federal Home Loan Banks [Abstract]
Borrowings	NOTE 8. Borrowings The Company, through its subsidiary bank, borrows funds in the form of federal funds purchased and Federal Home Loan Bank advances. Federal fund lines of credit are extended to the Bank by nonaffiliated banks with which a correspondent banking relationship exists. The line of credit amount is determined by the creditworthiness of the Bank and, in particular, its regulatory capital ratios, which are discussed in Note 15. Federal funds purchased generally mature each business day. The following table summarizes information related to federal funds purchased for the years ended December 31, 2020 and 2019: December 31, 2020 2019 (dollars in thousands) Balance at year-end — — Average balance during the year 1 1,074 Average interest rate during the year 0.61 % 2.91 % Maximum month-end balance during the year $ — $ 10,780 Gross lines of credit at year-end 28,000 28,000 Unused lines of credit at year-end 28,000 28,000 As of December 31, 2020, Company had remaining credit availability in the amount of $225.2 million with the Federal Home Loan Bank of Atlanta. 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 of Atlanta. The amount of the available credit is also limited to 20% of total Bank assets. The Company had no borrowings with the FHLB at December 31, 2020 or December 31, 2019. The Company had a $50.0 million irrevocable letter of credit at December 31, 2020 with the FHLB to secure public deposits.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
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 2017. The net deferred tax asset at December 31, 2020 and 2019 consisted of the following components: December 31, 2020 2019 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,490 $ 1,044 Share-based compensation 100 91 Accrued postretirement benefits 21 23 Home equity origination costs 50 52 Nonaccrual interest 76 51 Lease liabilities 864 773 Other 24 23 $ 2,625 $ 2,057 Deferred tax liabilities: Property and equipment $ 713 $ 705 Right-of-use assets 843 759 Securities available for sale 867 383 $ 2,423 $ 1,847 Net deferred tax asset $ 202 $ 210 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, 2020 and 2019 consisted of the following components: December 31, 2020 2019 (in thousands) Current tax expense $ 2,607 $ 1,294 Deferred tax (benefit) expense (471 ) 516 $ 2,136 $ 1,810 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, 2020 and 2019. December 31, 2020 2019 (in thousands) Statutory federal corporate tax amount $ 2,795 $ 2,429 Tax-exempt interest (income) (193 ) (260 ) Officer insurance (income) loss (57 ) 15 Net tax credits (439 ) (379 ) Other, net 30 5 $ 2,136 $ 1,810 The effective tax rates were 16.05% and 15.65% for years ended December 31, 2020 and 2019, respectively. The effective tax rate is 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, 2020
Share Based Compensation [Abstract]
Stock-Based Compensation	NOTE 10. Stock-Based Compensation Restricted Stock provides grantees with rights to shares of common stock upon completion of a service period or achievement of Company performance measures. During the restriction period, all shares are considered outstanding and dividends are paid to the grantee. Outside directors are periodically granted restricted shares which vest over a period of less than nine months. During 2020, executive officers were granted restricted shares which vest over a three year service period and restricted shares which vest based on meeting performance measures over a one year period. Beginning in 2018, certain non-executive officers also were granted restricted shares which vest over a three year service period. Vesting schedules were unchanged from the two prior years. The following table presents the activity for Restricted Stock for the years ended December 31, 2020 and 2019: Twelve Months Ended December 31, 2020 2019 Shares Weighted Average Grant Date Fair Value Shares Weighted Average Grant Date Fair Value Nonvested, beginning of period 18,488 $ 30.39 16,701 $ 29.72 Granted 22,128 28.82 22,488 30.69 Vested (19,238 ) 29.01 (18,150 ) 30.16 Forfeited (450 ) 31.03 (2,551 ) 30.28 Nonvested, end of period 20,928 $ 29.98 18,488 $ 30.39 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 $604 thousand and $562 thousand during December 31, 2020 and 2019, respectively. The total grant date fair value of Restricted Stock which vested was $558 thousand and $547 thousand for the years ended December 31, 2020 and 2019, respectively. The total vest date fair value of Restricted Stock which vested was $561 thousand and $556 thousand for the years ended December 31, 2020 and 2019, respectively. Unrecognized compensation cost related to unvested Restricted Stock was $184 thousand at December 31, 2020. This amount is expected to be recognized over a weighted average period of one year. The Company's policy is to recognize forfeitures as they occur.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2020
Compensation And Retirement Disclosure [Abstract]
Employee Benefits	NOTE 11. Employee Benefits The Company has an Employee Stock Ownership Plan (ESOP) to provide additional retirement benefits to substantially all employees. Contributions can be made to the Bank of Clarke County Employee Retirement Trust to be used to purchase the Company’s common stock. There were no contributions in 2020 and 2019. The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of salary on a pretax basis, subject to certain IRS limits. The Company matches 50 percent of employee contributions, on a maximum of six percent of salary deferred, with Company common stock or cash, as elected by each employee. The shares for this purpose are provided principally by newly issued shares. The 401(k) plan includes a non-elective safe-harbor employer contribution and an age-weighted employer contribution. Each year, qualifying employees will receive a non-elective safe-harbor contribution equal to three percent of their salary for that year. Qualifying employees will receive an additional contribution based on their age and years of service. The percentage of salary for the age-weighted contribution increases on both factors, age and years of service, with a minimum of one percent of salary and a maximum of ten percent of salary. Contributions under the plan amounted to $1.5 million in 2020 and $1.1 million in 2019. 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 $23 thousand and $30 thousand at December 31, 2020 and 2019, respectively. The executive supplemental income benefit expense, based on the present value of the retirement benefits, was $29 thousand in 2020 and $21 thousand in 2019. The plan is unfunded; however, life insurance has been acquired on the lives of these employees in amounts sufficient to discharge the plan’s obligations.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2020
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. As a member of the Federal Reserve System, the Bank is required to maintain certain average reserve balances. These reserve balances include usable vault cash and amounts on deposit with the Federal Reserve Bank. In March 2020, the Federal Reserve announced they were reducing the reserve requirement to zero percent across all deposit tiers in response to the COVID-19 pandemic. This adjustment to the reserve requirements remained in effect through December 31, 2020. For the final weekly reporting period in the year ended December 31, 2019, the amount of daily average required balances was approximately $1.7 million. This required amount was met by vault cash and no additional amount was required to be on deposit with the Federal Reserve Bank. In addition, 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, 2020 and 2019. See Note 18 with respect to financial instruments with off-balance-sheet risk.

Leases

Leases	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Leases	NOTE 13. Leases On January 1, 2019, the Company adopted ASU No. 2016-02 “Leases (Topic 842)” During the first quarter of 2020, the Company entered into a long-term lease agreement for a loan production office in Tysons Corner, Virginia. This resulted in the initial recognition of a right-of-use asset and lease liability of $549 thousand, also reflected in other assets and other liabilities. 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 two long-term lease agreements are classified as operating leases. These leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liability to the extent the options are reasonably certain of being exercised. 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. The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2020 December 31, 2019 Lease liability $ 4,113 $ 3,680 Right-of-use asset $ 4,014 $ 3,618 Weighted average remaining lease term 17 years 20 years Weighted average discount term 3.34 % 3.62 % Twelve Months Ended Lease Cost December 31, 2020 December 31, 2020 Operating lease cost $ 287 $ 261 Variable lease cost — — Short-term lease cost 16 16 Total lease cost $ 303 $ 277 Cash paid for amounts included in the measurement of lease liabilities $ 239 $ 200 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, 2020 Twelve months ending December 31, 2021 319 Twelve months ending December 31, 2022 321 Twelve months ending December 31, 2023 324 Twelve months ending December 31, 2024 327 Twelve months ending December 31, 2025 346 Thereafter 4,039 Total undiscounted cash flows $ 5,676 Discount (1,563 ) Lease liability $ 4,113

Transactions with Directors and

Transactions with Directors and Officers	12 Months Ended
	Dec. 31, 2020
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 $5.4 million and $6.2 million at December 31, 2020 and 2019, respectively. These balances reflect total principal additions of $1.9 million and total principal payments of $2.7 million, during 2020. The aggregate balance of deposits from directors, principal officers and their related parties was $16.6 million and $24.3 million at December 31, 2020 and 2019, respectively.

Capital Requirements

Capital Requirements	12 Months Ended
	Dec. 31, 2020
Regulatory Capital Requirements [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. Effective January 1, 2015, the Federal Reserve issued a final rule that made technical changes to its market risk capital rules to align them with the BASEL III regulatory capital framework and meet certain requirements of the Dodd-Frank Act. The phase-in period for the final rules began January 1, 2015 with full compliance with the final rules phased in by January 1, 2019. As a part of this final rule, the Bank was required to begin calculating and disclosing Common Equity Tier 1 Capital to risk weighted assets in 2015. In addition to the minimum regulatory capital required for capital adequacy purposes, the Bank is required to maintain a minimum Capital Conservation Buffer, in the form of common equity, in order to avoid restrictions on capital distributions and discretionary bonuses. The required amount of the Capital Conservation Buffer was 0.625% on January 1, 2016 and has increased by 0.625% each year until it reached 2.5% on January 1, 2019. The Capital Conservation Buffer is applicable to all ratios except the leverage ratio, which is noted below as Tier 1 Capital to Average Assets. The Bank's institution specific capital conservation buffer at December 31, 2020 was 5.29%. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier 1 capital, and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). Management believes the Bank met all capital adequacy requirements to which it was subject at December 31, 2020 and 2019. At December 31, 2020, the most recent notification from the Federal Reserve categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage, and common equity Tier 1 ratios as set forth in the following tables. 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, 2020 and 2019: Actual Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2020 Common Equity Tier 1 Capital to Risk Weighted Assets $ 97,825 12.39 % $ 35,540 4.50 % $ 51,335 6.50 % Total Capital to Risk Weighted Assets 104,957 13.29 % 63,182 8.00 % 78,977 10.00 % Tier 1 Capital to Risk Weighted Assets 97,825 12.39 % 47,386 6.00 % 63,182 8.00 % Tier 1 Capital to Average Assets 97,825 9.06 % 43,213 4.00 % 54,016 5.00 % December 31, 2019 Common Equity Tier 1 Capital to Risk Weighted Assets $ 90,775 13.65 % $ 29,931 4.50 % $ 43,234 6.50 % Total Capital to Risk Weighted Assets 95,772 14.40 % 53,211 8.00 % 66,514 10.00 % Tier 1 Capital to Risk Weighted Assets 90,775 13.65 % 39,908 6.00 % 53,211 8.00 % Tier 1 Capital to Average Assets 90,775 10.61 % 34,216 4.00 % 42,770 5.00 %

Restrictions On Dividends, Loan

Restrictions On Dividends, Loans, and Advances	12 Months Ended
	Dec. 31, 2020
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, 2020, the Bank’s retained earnings available for the payment of dividends to the Company was $17.7 million. Accordingly, $83.4 million of the Company’s equity in the net assets of the Bank was restricted at December 31, 2020. Funds available for loans or advances by the Bank to the Company amounted to $10.5 million at December 31, 2020.

Dividend Investment Plan

Dividend Investment Plan	12 Months Ended
	Dec. 31, 2020
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. In 2016, the Company amended the Plan to provide that shares of common stock purchased through the Plan would be purchased at a price equal to the market price of the shares. Prior to this date, the Plan allowed participants' dividends to purchase additional shares of common stock at 95% of its fair market value. Our board of directors determined to eliminate the discount for purchases of shares in order to reflect current best practices and market standards for dividend reinvestment plans generally and among our peers. No other changes have been made to the operation of the dividend reinvestment features of the Plan, and current participants will remain enrolled in the Plan under their current methods of participation unless they choose to alter their enrollment.

Financial Instruments with Off-

Financial Instruments with Off-Balance-Sheet Risk	12 Months Ended
	Dec. 31, 2020
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Financial Instruments with Off-Balance-Sheet Risk	NOTE 18. Financial Instruments with Off-Balance-Sheet Risk The Company, through its subsidiary bank, is a party to credit related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unfunded commitments under lines of credit, and commercial and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments. At December 31, 2020 and 2019, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2020 December 31, 2019 (dollars in thousands) Commitments to extend credit $ 27,558 $ 19,939 Unfunded commitments under lines of credit 146,202 121,609 Commercial and standby letters of credit 8,139 6,132 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, 2020, $7.8 million of the outstanding letters of credit were collateralized. The Bank has cash accounts in other commercial banks. The amount on deposit in these banks at December 31, 2020 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $3.7 million.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2020
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 and account maintenance charges. The Company’s performance obligations on revenue generated from deposit accounts are generally satisfied immediately, when the transaction occurs, or by month-end. Typically, the duration of a contract does not extend beyond the services performed. Due to the short duration of most customer contracts which generate these sources of noninterest income, no significant judgments must be made in the determination of the amount and timing of revenue recognized. Other Service Charges and Fees The majority of the Company’s noninterest income is derived from short term contracts associated with services provided for other ancillary services such as ATM fees, brokerage commissions, secondary market fees and wire transfer 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, 2020 and 2019 consisted of the following: December 31, 2020 December 31, 2019 (dollar in thousands) Noninterest income: Income from fiduciary activities(1): Trust asset management fees $ 1,398 $ 1,380 Service charges on deposit accounts(1): Overdrawn account fees 695 961 Monthly and other service charges 225 226 Other service charges and fees: Interchange fees (1) 372 380 ATM fees (1) 2,578 2,431 Brokerage commissions (1) 916 1,150 Secondary market fees 431 486 Other charges and fees (2) 460 446 Gain (loss) on the sale and disposal of bank premises and equipment (1) 5 137 Gain (loss) on sale of securities 687 (7 ) Bank owned life insurance income 310 (48 ) Other operating income (3) 502 217 Total noninterest income $ 8,579 $ 7,759 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $390 thousand and $412 thousand for the years ended December 31, 2020 and 2019, respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $505 thousand and $212 thousand for the years ended December 31, 2020 and 2019, respectively. The remaining balance is outside the scope of Topic 606. Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. 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, 2020 and December 31, 2019, the Company did not have any significant contract balances.

Quarterly Condensed Statements

Quarterly Condensed Statements of Income	12 Months Ended
	Dec. 31, 2020
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 2020 and 2019 are summarized as follows: 2020 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 9,107 $ 9,661 $ 10,150 $ 9,990 Net interest income after provision for loan losses 8,102 8,005 9,367 8,696 Noninterest income 1,690 2,422 2,216 2,251 Noninterest expenses 6,875 7,014 7,465 8,087 Income before income taxes 2,917 3,413 4,118 2,860 Net income 2,441 2,819 3,406 2,506 Net income per common share, basic 0.71 0.83 0.99 0.74 Net income per common share, diluted 0.71 0.83 0.99 0.74 Dividends per common share 0.26 0.26 0.26 0.26 2019 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 8,593 $ 8,750 $ 9,084 $ 9,027 Net interest income after provision for loan losses 7,430 7,433 7,835 7,888 Noninterest income 1,844 1,878 2,219 1,818 Noninterest expenses 6,231 6,824 7,411 6,310 Income before income taxes 3,043 2,487 2,643 3,396 Net income 2,571 2,126 2,231 2,831 Net income per common share, basic 0.74 0.62 0.65 0.83 Net income per common share, diluted 0.74 0.62 0.65 0.83 Dividends per common share 0.24 0.25 0.25 0.26

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2020
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: • • • The following sections provide a description of the valuation methodologies used for instruments measured at fair value on a recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy: Securities Available for Sale: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at December 31, 2020 and December 31, 2019: Fair Value Measurements at December 31, 2020 Using Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2020 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 17,483 $ — $ 17,483 $ — Mortgage-backed securities 119,009 — 119,009 — Obligations of states and political subdivisions 27,213 — 27,213 — Subordinated debt 1,250 — 1,250 — Total assets at fair value $ 164,955 $ — $ 164,955 $ — Fair Value Measurements at December 31, 2019 Using Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2019 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 22,186 $ — $ 22,186 $ — Mortgage-backed securities 108,161 — 108,161 — Obligations of states and political subdivisions 34,656 — 34,656 — Total assets at fair value $ 165,003 $ — $ 165,003 $ — Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower of cost or market accounting or write downs of individual assets. The following describes the valuation techniques used by the Company to measure certain financial and nonfinancial assets recorded at fair value on a nonrecurring basis in the financial statements: Impaired Loans: Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected when due. The measurement of loss associated with impaired loans can be based on the present value of its expected future cash flows discounted at the loan's coupon rate, or at the loans' observable market price or the fair value of the collateral securing the loans, if they are collateral dependent. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing a market valuation approach based on an appraisal conducted by an independent, licensed appraiser using observable market data within the last twelve months (Level 2). However, if the collateral is a house or building in the process of construction or if an appraisal of the property is more than one year old and not solely based on observable market comparables or management determines the fair value of the collateral is further impaired below the appraised value, then a Level 3 valuation is considered to measure the fair value. The value of business equipment is based upon an outside appraisal, of one year or less, if deemed significant, or the net book value on the applicable business’s financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). Impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. Other Real Estate Owned: Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the fair value of the property, less estimated selling costs, establishing a new costs basis. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically obtained by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. The fair value measurement of real estate held in other real estate owned is assessed in the same manner as impaired loans described above. We believe that the fair value component in its valuation follows the provisions of GAAP. The following table displays quantitative information about Level 3 Fair Value Measurements for certain financial assets measured at fair value on a nonrecurring basis for December 31, 2020 and December 31, 2019: Quantitative information about Level 3 Fair Value Measurements December 31, 2020 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Present value of cash flows Discount rate 4% - 6% 4% Other real estate owned Discounted appraised value Discount for current market conditions and selling costs 6% 6% December 31, 2019 Valuation Technique(s) Unobservable Input Range Weighted Average Assets: Impaired loans Discounted appraised value Selling cost 12% 12% Impaired loans Present value of cash flows Discount rate 4% - 6% 5% Other real estate owned Discounted appraised value Discount for current market conditions and 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, 2020 and December 31, 2019: Carrying value at December 31, 2020 Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2020 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 1,355 $ — $ — $ 1,355 Nonfinancial Assets: Other real estate owned 607 — 165 442 Carrying value at December 31, 2019 Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2019 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 3,075 $ — $ — $ 3,075 Nonfinancial Assets: Other real estate owned 183 — — 183 The carrying amount and fair value of the Company’s financial instruments at December 31, 2020 and 2019 were as follows: Fair Value Measurements at December 31, 2020 Using Carrying Value as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Fair Value as of December 31, 2020 (Level 1) (Level 2) (Level 3) December 31, 2020 (in thousands) Financial Assets: Cash and short-term investments $ 79,920 $ 79,920 $ — $ — $ 79,920 Securities 164,955 — 164,955 — 164,955 Restricted Investments 1,267 — 1,267 — 1,267 Loans, net 829,238 — — 819,691 819,691 Bank owned life insurance 12,709 — 12,709 — 12,709 Accrued interest receivable 3,441 — 3,441 — 3,441 Financial Liabilities: Deposits $ 1,013,098 $ — $ 1,013,600 $ — $ 1,013,600 Accrued interest payable 72 — 72 — 72 Fair Value Measurements at December 31, 2019 Using Carrying Value as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Fair Value as of December 31, 2019 (Level 1) (Level 2) (Level 3) December 31, 2019 (in thousands) Financial assets: Cash and short-term investments $ 33,659 $ 33,659 $ — $ — $ 33,659 Securities 165,003 — 165,003 — 165,003 Restricted Investments 1,197 — 1,197 — 1,197 Loans, net 639,787 — — 633,476 633,476 Bank owned life insurance 398 — 398 — 398 Accrued interest receivable 2,237 — 2,237 — 2,237 Financial liabilities: Deposits $ 771,544 $ — $ 772,111 $ — $ 772,111 Accrued interest payable 142 — 142 — 142 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 Income (Loss)	12 Months Ended
	Dec. 31, 2020
Accumulated Other Comprehensive Income Loss Net Of Tax [Abstract]
Change in Accumulated Other Comprehensive Income (Loss)	NOTE 22. Change in Accumulated Other Comprehensive Income (Loss) Accumulated other comprehensive income (loss) includes unrealized gains and losses on available for sale securities and changes in benefit obligations and plan assets for the post retirement benefit plan. Changes to accumulated other comprehensive income (loss) are presented net of tax as a component of equity. Reclassifications out of accumulated other comprehensive income (loss) are recorded in the Consolidated Statements of Income either as a gain or loss. Changes to accumulated other comprehensive income (loss) by components are shown in the following tables for the years ended December 31, 2020 and 2019: Twelve Months Ended December 31, 2020 2019 Unrealized Gains and Losses on Available for Sale Securities Change in Benefit Obligations and Plan Assets for the Post Retirement Benefit Plan Total Unrealized Gains and Losses on Available for Sale Securities Change in Benefit Obligations and Plan Assets for the Post Retirement Benefit Plan Total (dollars in thousands) (dollars in thousands) January 1 $ 1,438 $ 44 $ 1,482 $ (1,597 ) $ 44 $ (1,553 ) Other comprehensive income (loss) before reclassifications 2,993 (33 ) 2,960 3,835 — 3,835 Reclassifications from other comprehensive income (loss) (687 ) 3 (684 ) 7 — 7 Tax effect of current period changes (484 ) 5 (479 ) (807 ) — (807 ) Current period changes net of taxes 1,822 (25 ) 1,797 3,035 — 3,035 December 31 $ 3,260 $ 19 $ 3,279 $ 1,438 $ 44 $ 1,482 For the years ended December 31, 2020 and 2019, $687 thousand and $(7) thousand, respectively, was reclassified out of accumulated other comprehensive income and appeared as Gain (loss) on sale of securities in the Consolidated Statement of Income. The tax expense (benefit) related to these reclassifications was $144 thousand and $(1) thousand for the years ended December 31, 2020 and 2019, respectively. The tax is included in Income Tax Expense in the Consolidated Statements of Income. For the year ended December 31, 2020, $(3) thousand was reclassified out of accumulated other comprehensive income related to the Company's postretirement benefit plan. This reclassification is a component of net periodic benefit cost and was reflected in Other noninterest expense in the Consolidated Statements of Income. Tax related to this reclassification was less than $1 thousand and was 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, 2020
Condensed Financial Information Of Parent Company Only 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, 2020 and 2019 (dollars in thousands) 2020 2019 Assets Cash held in subsidiary bank $ 902 $ 989 Loans, net of allowance 2,932 2,939 Investment in subsidiary 101,104 92,257 Other assets 136 141 Total assets $ 105,074 $ 96,326 Liabilities and Shareholders’ Equity Total liabilities $ — $ — Shareholders’ Equity Preferred stock $ — $ — Common stock 8,460 8,529 Surplus 10,811 11,406 Retained earnings 82,524 74,909 Accumulated other comprehensive income 3,279 1,482 Total shareholders’ equity $ 105,074 $ 96,326 Total liabilities and shareholders’ equity $ 105,074 $ 96,326 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2020 and 2019 (dollars in thousands) 2020 2019 Income Dividends from subsidiary bank $ 4,250 $ 5,000 Interest and fees on loans 133 134 Total income $ 4,383 $ 5,134 Expenses Other operating expenses $ 295 $ 457 Total expenses $ 295 $ 457 Income before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ 4,088 $ 4,677 Income Tax (Benefit) (34 ) (70 ) Income before equity in undistributed earnings of subsidiary bank $ 4,122 $ 4,747 Equity in Undistributed Net Income of Subsidiary Bank 7,050 5,012 Net income $ 11,172 $ 9,759 Comprehensive income $ 12,969 $ 12,794 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2020 and 2019 (dollars in thousands) 2020 2019 Cash Flows from Operating Activities Net Income $ 11,172 $ 9,759 Adjustments to reconcile net income to net cash provided by operating activities Stock-based compensation expense 604 562 Undistributed earnings of subsidiary bank (7,050 ) (5,012 ) Changes in assets and liabilities: Decrease (increase) in other assets 5 (50 ) Net cash provided by operating activities $ 4,731 $ 5,259 Cash Flows from Investing Activities Net decrease (increase) in loans $ 7 $ (43 ) Net cash provided by (used in) investing activities $ 7 $ (43 ) Cash Flows from Financing Activities Cash dividends paid (3,198 ) (2,996 ) Issuance of common stock, employee benefit plan 227 138 Retirement of common stock (1,854 ) (1,771 ) Net cash (used in) financing activities $ (4,825 ) $ (4,629 ) (Decrease) increase in cash $ (87 ) $ 587 Cash Beginning $ 989 $ 402 Ending $ 902 $ 989

Other Real Estate Owned (Notes)

Other Real Estate Owned (Notes)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019: Year Ended Year Ended December 31, December 31, 2020 2019 Balance, beginning $ 183 $ 106 Net loans transferred to OREO 441 1,151 Gain on foreclosure 166 192 Sales (183 ) (1,266 ) Balance, ending $ 607 $ 183 The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2020 and 2019 were as follows: As of December 31, 2020 December 31, 2019 (in thousands) Construction and Farmland $ — $ — Residential Real Estate 165 183 Commercial Real Estate 442 — Subtotal $ 607 $ 183 Less valuation allowance — — Total $ 607 $ 183 There was one consumer mortgage loan totaling $68 thousand collateralized by residential real estate in the process of foreclosure at December 31, 2020. There were two consumer mortgage loans totaling $334 thousand collateralized by residential real estate in the process of foreclosure at December 31, 2019.

Qualified Affordable Housing Pr

Qualified Affordable Housing Project Investments (Notes)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019, the balance of the investment for qualified affordable housing projects was $2.8 million and $3.0 million, respectively. These balances are reflected in Other assets on the Consolidated Balance Sheets. Total unfunded commitments related to the investments in qualified affordable housing projects totaled $446 thousand and $798 thousand at December 31, 2020 and 2019. These balances are reflected in Other liabilities on the Consolidated Balance Sheets. The Company expects to fulfill these commitments by December 31, 2023, in accordance with the terms of the individual agreements. During the twelve months ended December 31, 2020 and 2019, the Company recognized amortization expense of $229 thousand. The amortization expense was included in Other operating expenses on the Consolidated Statements of Income. Total estimated credits to be received during 2020 are $337 thousand based on the most recent quarterly estimates received from the funds. Total tax credits and other tax benefits recognized during 2020 and 2019 were $324 thousand and $415 thousand, respectively.

Nature of Banking Activities _2

Nature of Banking Activities and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Principles of Consolidation	Principles of Consolidation The Company owns 100% of Bank of Clarke County (the “Bank”). The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. All significant intercompany accounts and transactions between the Company and the Bank have been eliminated.
Trust Assets	Trust Assets Eagle Investment Group (“EIG”), as a division of the Bank offers both a trust department and investment services. The trust services division of EIG offers a full range of personal and retirement plan services, which include serving as agent for bill paying and custody of assets, as investment manager with full authority or advisor, as trustee or co-trustee for trusts under will or under agreement, as trustee of life insurance trusts, as guardian or committee, as agent under a power of attorney, as executor or co-executor for estates, as custodian or investment advisor for individual retirement plans, and as trustee or trust advisor for corporate retirement plans such as profit sharing and 401(k) plans. The brokerage division of EIG offers a full range of investment services, which include tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, 529 college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services. Securities and other property held by the Eagle Investment Group in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying consolidated financial statements.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods.
Securities	Securities Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Debt securities not classified as held to maturity are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Equity securities with readily determinable fair values are carried at fair value, with changes in fair value reported in income. Equity securities without readily determinable fair values are carried at cost, minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be “other than temporary” are reflected in earnings as realized losses. In estimating “other than temporary” impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company’s consolidated balance sheet as restricted investments.
Loans	Loans The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke, Frederick, and Loudoun, Virginia and the City of Winchester, Virginia. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan fees collected and certain costs incurred related to loan originations are deferred and amortized as an adjustment to interest income over the life of the related loans. Deferred fees and costs are recorded as an adjustment to interest income using a method that approximates a constant yield. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 120 and 90 days delinquent, respectively, unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Troubled Debt Restructurings (TDR)	Troubled Debt Restructurings (TDR) In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a TDR. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on non-accrual status at the time of the TDR, the loan will remain on non-accrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status as noted above.
Risks by Loan Portfolio Segments	Risks by Loan Portfolio Segments One-to-Four-Family Residential Real Estate Lending Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee. Commercial Real Estate Lending Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. Construction and Land Development Lending There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home. Commercial and Industrial Lending Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. 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. 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. Paycheck Protection Program Loans In 2020, the Company participated in the Paycheck Protection Program (PPP). The PPP commenced subsequent to the passage of the Coronavirus Aid, Relief and Economic Security("CARES") Act in March 2020 and was later expanded by the Paycheck Protection Program and Health Care Enhancement Act of April 2020. The PPP was designed to provide U.S. small businesses with cash-flow assistance during the COVID-19 pandemic through loans that are fully guaranteed by the Small Business Administration (SBA) which may be forgiven upon satisfaction of certain criteria. As of December 31, 2020, the Company had 911 PPP loans with outstanding balances totaling $81.3 million. As compensation for originating the loans, the Company received lender processing fees from the SBA, which were deferred, along with the related loan origination costs. These net fees are being accreted to interest income over the remaining contractual lives of the loans. Upon forgiveness of a PPP loan and repayment by the SBA, which may be prior to the loan's maturity, the remainder of any unrecognized net fees are recognized in interest income. The Company has continued to participate in the newest round of the PPP during the first quarter of 2021. Our outstanding PPP loans were included in the commercial and industrial segment at December 31, 2020, and their underlying guarantees were considered in the determination of the allowance for loan losses as discussed below.
Allowance For Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for (recovery of) loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are impaired. An allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. Qualitative factors considered in the general component include the levels and trends in delinquencies and nonperforming loans, trends in volume and terms of loans, the effects of any changes in lending policies, the experience, ability, and depth of management, national and local economic trends and conditions, changes in collateral values, concentrations of credit, the quality of the Company’s loan review system, competition and regulatory requirements. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer loans for impairment disclosures, unless such loans are the subject of a restructuring agreement or are in a nonaccrual status.
Bank Premises and Equipment	Bank Premises and Equipment Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment.
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.
Retirement Plans	Retirement Plans The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 11.
Stock-Based Compensation Plan	Stock-Based Compensation Plan During 2014, the Company’s shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as adopted, authorized the issuance of up to 500,000 shares of common stock. This plan is discussed more fully in Note 10.
Income Taxes	Income Taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is “more likely than not” that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the “more likely than not” recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions.
Advertising	Advertising The Company follows the policy of charging the costs of advertising to expense as incurred.
Reclassifications	Reclassifications Certain reclassifications have been made to the 2019 financial statements to conform to reporting for 2020. 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, 2020 2019 Average number of common shares outstanding 3,417,543 3,438,410 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,417,543 3,438,410 There were no potentially dilutive securities outstanding in 2020 or 2019.
Comprehensive Income	Comprehensive 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.
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 loan losses.
Stock Repurchase Program	Stock Repurchase Program On June 17, 2020, the Corporation renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2021. During 2020, the Company purchased 67,189 shares of its Common Stock under its stock repurchase program at an average price of $27.60. During 2019, the Company purchased 53,988 shares of its Common Stock under its stock repurchase program at an average price of $32.79. The maximum number of shares that may yet be purchased under the plan as of December 31, 2020 are 121,425.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The FASB has issued multiple updates to ASU 2016-13 as codified in Topic 326, including ASU’s 2019-04, 2019-05, 2019-10, 2019-11, 2020-02, and 2020-03. These ASU’s have provided for various minor technical corrections and improvements to the codification as well as other transition matters. Smaller reporting companies who file with the U.S. Securities and Exchange Commission (SEC) and all other entities who do not file with the SEC are required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements. The Company formed a CECL committee during 2016 which continues to meet weekly to address the compliance requirements. Historic loan data has been gathered and reviewed for completeness and accuracy. In addition, the committee has selected a third-party that is assisting in calculating the financial impact of ASU 2016-13 and anticipates running parallel allowance models under the current and new standard in advance of the required implementation date. Effective November 25, 2019, the SEC adopted Staff Accounting Bulletin (SAB) 119. SAB 119 updated portions of SEC interpretative guidance to align with FASB ASC 326, “Financial Instruments – Credit Losses.” It covers topics including (1) measuring current expected credit losses; (2) development, governance, and documentation of a systematic methodology; (3) documenting the results of a systematic methodology; and (4) validating a systematic methodology. In December 2019, the FASB issued ASU 2019-12, “Income Taxes (Topic 740) – Simplifying the Accounting for Income Taxes.” The ASU is expected to reduce cost and complexity related to the accounting for income taxes by removing specific exceptions to general principles in Topic 740 (eliminating the need for an organization to analyze whether certain exceptions apply in a given period) and improving financial statement preparers’ application of certain income tax-related guidance. This ASU is part of the FASB’s simplification initiative to make narrow-scope simplifications and improvements to accounting standards through a series of short-term projects. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Company is currently assessing the impact that ASU 2019-12 will have on its consolidated financial statements. In January 2020, the FASB issued ASU 2020-01, “Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions between Topic 321, Topic 323, and Topic 815.” The ASU is based on a consensus of the Emerging Issues Task Force and is expected to increase comparability in accounting for these transactions. ASU 2016-01 made targeted improvements to accounting for financial instruments, including providing an entity the ability to measure certain equity securities without a readily determinable fair value at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. Among other topics, the amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting. For public business entities, the amendments in the ASU are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Company does not expect the adoption of ASU 2020-01 to have a material impact on its consolidated financial statements. In March 2020, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2020-04 “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” These amendments provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022. Subsequently, in January 2021, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2021-01 “Reference Rate Reform (Topic 848): Scope.” This ASU clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The ASU also amends the expedients and exceptions in Topic 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. An entity may elect to apply ASU No. 2021-01 on contract modifications that change the interest rate used for margining, discounting, or contract price alignment retrospectively as of any date from the beginning of the interim period that includes March 12, 2020, or prospectively to new modifications from any date within the interim period that includes or is subsequent to January 7, 2021, up to the date that financial statements are available to be issued. An entity may elect to apply ASU No. 2021-01 to eligible hedging relationships existing as of the beginning of the interim period that includes March 12, 2020, and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company is working to identify loans that are directly or indirectly influenced by LIBOR. The Company is assessing ASU 2020-04 and its impact on the Company’s transition away from LIBOR for its loans. On March 12, 2020, the SEC finalized amendments to its “accelerated filer” and “large accelerated filer” definitions. The amendments increase the threshold criteria for meeting these filer classifications and were effective on April 27, 2020. Any changes in filer status are to be applied beginning with the filer’s first annual report filed with the SEC subsequent to the effective date. Prior to these changes, the Company was required to comply with section 404(b) of the Sarbanes Oxley Act concerning auditor attestation over internal control over financial reporting as an “accelerated filer” as it had more than $75 million in public float but less than $700 million at the end of the Company’s most recent second quarter. The rule change revises the definition of “accelerated filers” to exclude entities with public float of less than $700 million and less than $100 million in annual revenues. The Company expects to meet this expanded category of small reporting company and will no longer be considered an accelerated filer. If the Company’s annual revenues exceed $100 million, its category will change back to “accelerated filer”. The classifications of “accelerated filer” and “large accelerated filer” require a public company to obtain an auditor attestation concerning the effectiveness of internal control over financial reporting (ICFR) and include the opinion on ICFR in its annual report on Form 10-K. Non-accelerated filers also have additional time to file quarterly and annual financial statements. All public companies are required to obtain and file annual financial statement audits, as well as provide management’s assertion on effectiveness of internal control over financial reporting, but the external auditor attestation of internal control over financial reporting is not required for non-accelerated filers. As the Bank has total assets exceeding $1.0 billion, it remains subject to FDICIA, which requires an auditor attestation concerning internal controls over financial reporting. As such, other than the additional time provided to file quarterly and annual financial statements, this change does not significantly change the Company’s annual reporting and audit requirements. In August 2020, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2020-06 “Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815-40): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity.” The ASU simplifies accounting for convertible instruments by removing major separation models required under current U.S. GAAP. Consequently, more convertible debt instruments will be reported as a single liability instrument and more convertible preferred stock as a single equity instrument with no separate accounting for embedded conversion features. The ASU removes certain settlement conditions that are required for equity contracts to qualify for the derivative scope exception, which will permit more equity contracts to qualify for it. The ASU also simplifies the diluted earnings per share (EPS) calculation in certain areas. In addition, the amendment updates the disclosure requirements for convertible instruments to increase the information transparency. For public business entities, excluding smaller reporting companies, the amendments in the ASU are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. For all other entities, the standard will be effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted. The Company does not expect the adoption of ASU 2020-06 to have a material impact on its consolidated financial statements. In October 2020, the FASB issued ASU 2020-08, “Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable fees and Other Costs.” This ASU clarifies that an entity should reevaluate whether a callable debt security is within the scope of ASC paragraph 310-20-35-33 for each reporting period. For public business entities, the ASU is effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is not permitted. All entities should apply ASU No. 2020-08 on a prospective basis as of the beginning of the period of adoption for existing or newly purchased callable debt securities. The Company does not expect the adoption of ASU 2020-06 to have a material impact on its consolidated financial statements. Recently Adopted Accounting Developments In March 2020 (Revised in April 2020), various regulatory agencies, including the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation, (“the agencies”) issued an interagency statement on loan modifications and reporting for financial institutions working with customers affected by the Coronavirus. The interagency statement was effective immediately and impacted accounting for loan modifications. Under Accounting Standards Codification 310-40, “Receivables – Troubled Debt Restructurings by Creditors,” (“ASC 310-40”), a restructuring of debt constitutes a troubled debt restructuring (“TDR”) if the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that it would not otherwise consider. The agencies confirmed with the staff of the FASB that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief, are not to be considered TDRs. This includes short-term (e.g., six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. In August 2020, a joint statement on additional loan modifications was issued. Among other things, the Interagency Statement addresses accounting and regulatory reporting considerations for loan modifications, including those accounted for under Section 4013 of the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act. The CARES Act was signed into law on March 27, 2020 to help support individuals and businesses through loans, grants, tax changes and other types of relief. The most significant impacts of the Act related to accounting for loan modifications and establishment of the Paycheck Protection Program (“PPP”). On December 21, 2020, the Consolidated Appropriates Act of 2021 (“CAA”) was passed. The CAA extends or modifies many of the relief programs first created by the CARES Act, including the PPP and treatment of certain loan modifications related to the COVID-19 pandemic. This interagency guidance is expected to have a material impact on the Company’s financial statements; however, this impact cannot be quantified at this time.

Nature of Banking Activities _3

Nature of Banking Activities and Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 2019 Average number of common shares outstanding 3,417,543 3,438,410 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,417,543 3,438,410

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Available For Sale Securities [Abstract]
Amortized Costs And Fair Values Of Securities Available For Sale	Amortized costs and fair values of securities available for sale at December 31, 2020 and 2019 were as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value December 31, 2020 (in thousands) Obligations of U.S. government corporations and agencies $ 16,576 $ 907 $ — $ 17,483 Mortgage-backed securities 117,161 1,894 (46 ) 119,009 Obligations of states and political subdivisions 25,840 1,373 — 27,213 Subordinated debt 1,250 — — 1,250 $ 160,827 $ 4,174 $ (46 ) $ 164,955 December 31, 2019 (in thousands) Obligations of U.S. government corporations and agencies $ 21,917 $ 363 $ (94 ) $ 22,186 Mortgage-backed securities 107,410 966 (215 ) 108,161 Obligations of states and political subdivisions 33,854 858 (56 ) 34,656 $ 163,181 $ 2,187 $ (365 ) $ 165,003
Schedule Composition Of Restricted Investments	Carrying amounts of restricted securities at December 31, 2020 and 2019 were as follows: December 31, 2020 December 31, 2019 (in thousands) Federal Reserve Bank Stock $ 344 $ 344 Federal Home Loan Bank Stock 783 713 Community Bankers’ Bank Stock 140 140 $ 1,267 $ 1,197
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of securities available for sale at December 31, 2020, by contractual maturity, are shown below. Maturities may differ from contractual maturities primarily (others could be called) in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties. Amortized Cost Fair Value (in thousands) Due in one year or less $ 751 $ 760 Due after one year through five years 8,587 8,879 Due after five years through ten years 32,281 34,056 Due after ten years 119,208 121,260 $ 160,827 $ 164,955
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, 2020 and 2019 were as follows: Less than 12 months 12 months or more Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2020 (in thousands) Mortgage-backed securities $ 12,014 $ 46 $ — $ — $ 12,014 $ 46 $ 12,014 $ 46 $ — $ — $ 12,014 $ 46 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2019 (in thousands) Obligations of U.S. government corporations and agencies $ 5,466 $ 91 $ 1,997 $ 3 $ 7,463 $ 94 Mortgage-backed securities 19,509 176 5,271 39 24,780 215 Obligations of states and political subdivisions 3,127 49 923 7 4,050 56 $ 28,102 $ 316 $ 8,191 $ 49 $ 36,293 $ 365

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2020
Loans And Leases Receivable Disclosure [Abstract]
Schedule Of Composition Of Loans	The composition of loans at December 31, 2020 and 2019 was as follows: December 31, 2020 2019 (in thousands) Mortgage loans on real estate: Construction and land development $ 42,544 $ 42,561 Secured by farmland 15,846 13,917 Secured by 1-4 family residential properties 248,246 219,580 Multifamily 21,496 14,415 Commercial 334,661 286,600 Commercial and industrial loans 140,762 46,543 Consumer installment loans 21,321 9,541 All other loans 10,773 12,050 Total loans $ 835,649 $ 645,207 Net deferred loan costs (fees) 685 (447 ) Allowance for loan losses (7,096 ) (4,973 ) $ 829,238 $ 639,787

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Changes In Allowance For Loan Losses	Changes in the allowance for loan losses for the years December 31, 2020 and 2019 were as follows: December 31, 2020 2019 (in thousands) Balance, beginning $ 4,973 $ 5,456 Provision charged to operating expense 1,457 629 Recoveries added to the allowance 1,131 201 Loan losses charged to the allowance (465 ) (1,313 ) Balance, ending $ 7,096 $ 4,973
Nonaccrual And Past Due Loans By Class	Nonaccrual and past due loans by class at December 31, 2020 and December 31, 2019 were as follows: December 31, 2020 (in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Current Total Loans 90 or More Days Past Due Still Accruing Nonaccrual Loans Commercial - Non Real Estate: Commercial & Industrial $ 43 $ — $ — $ 43 $ 140,719 $ 140,762 $ — $ — Commercial Real Estate: Owner Occupied — — 157 157 165,764 165,921 — 1,227 Non-owner occupied 500 — 122 622 168,118 168,740 — 2,405 Construction and Farmland: Residential — — — — 10,644 10,644 — — Commercial — — 69 69 47,677 47,746 — 69 Consumer: Installment 5 — — 5 21,316 21,321 — 5 Residential: Equity Lines 13 — — 13 31,239 31,252 — 42 Single family 249 123 581 953 216,041 216,994 — 1,006 Multifamily — — — — 21,496 21,496 — — All Other Loans — — — — 10,773 10,773 — — Total $ 810 $ 123 $ 929 $ 1,862 $ 833,787 $ 835,649 $ — $ 4,754 December 31, 2019 (in thousands) 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Current Total Loans 90 or More Past Due Still Accruing Nonaccrual Loans Commercial - Non Real Estate: Commercial & Industrial $ 47 $ — $ 32 $ 79 $ 46,464 $ 46,543 $ — $ 32 Commercial Real Estate: Owner Occupied 1,078 — — 1,078 147,879 148,957 — 320 Non-owner occupied — — — — 137,643 137,643 — 329 Construction and Farmland: Residential — — — — 7,867 7,867 — — Commercial — — 187 187 48,424 48,611 — 187 Consumer: Installment 55 6 — 61 9,480 9,541 — 8 Residential: Equity Lines 121 — — 121 33,127 33,248 — 65 Single family 471 541 1,251 2,263 184,069 186,332 — 1,244 Multifamily — — — — 14,415 14,415 — — All Other Loans — — — — 12,050 12,050 — — Total $ 1,772 $ 547 $ 1,470 $ 3,789 $ 641,418 $ 645,207 $ — $ 2,185
Schedule Of Allowance For Loan Losses By Segment Table Text Block	Allowance for loan losses by segment at December 31, 2020 and December 31, 2019 were as follows: Twelve Months Ended December 31, 2020 (in thousands) Construction and Farmland Residential Real Estate Commercial Real Estate Commercial Consumer All Other Loans Unallocated Total Allowance for credit losses: Beginning Balance $ 446 $ 1,601 $ 1,991 $ 565 $ 54 $ 120 $ 196 $ 4,973 Charge-Offs (119 ) (20 ) (155 ) (49 ) (83 ) (39 ) — (465 ) Recoveries 7 275 302 498 41 8 — 1,131 Provision 1,270 73 (493 ) 360 186 257 (196 ) 1,457 Ending balance $ 1,604 $ 1,929 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,096 Ending balance: Individually evaluated for impairment $ — $ 72 $ — $ — $ — $ — $ — $ 72 Ending balance: collectively evaluated for impairment $ 1,604 $ 1,857 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,024 Loans: Ending balance $ 58,390 $ 269,742 $ 334,661 $ 140,762 $ 21,321 $ 10,773 $ — $ 835,649 Ending balance individually evaluated for impairment $ 105 $ 3,869 $ 3,632 $ 147 $ 15 $ — $ — $ 7,768 Ending balance collectively evaluated for impairment $ 58,285 $ 265,873 $ 331,029 $ 140,615 $ 21,306 $ 10,773 $ — $ 827,881 December 31, 2019 (in thousands) Construction and Farmland Residential Real Estate Commercial Real Estate Commercial Consumer All Other Loans Unallocated Total Allowance for credit losses: Beginning Balance $ 583 $ 1,788 $ 1,988 $ 919 $ 53 $ 97 $ 28 $ 5,456 Charge-Offs — (406 ) — (850 ) (5 ) (52 ) — (1,313 ) Recoveries 8 72 20 52 26 23 — 201 Provision (145 ) 147 (17 ) 444 (20 ) 52 168 629 Ending balance $ 446 $ 1,601 $ 1,991 $ 565 $ 54 $ 120 $ 196 $ 4,973 Ending balance: Individually evaluated for impairment $ 100 $ 51 $ 149 $ — $ — $ — $ — $ 300 Ending balance: collectively evaluated for impairment $ 346 $ 1,550 $ 1,842 $ 565 $ 54 $ 120 $ 196 $ 4,673 Loans: Ending balance $ 56,478 $ 233,995 $ 286,600 $ 46,543 $ 9,541 $ 12,050 $ — $ 645,207 Ending balance individually evaluated for impairment $ 433 $ 3,681 $ 3,053 $ 228 $ 8 $ — $ — $ 7,403 Ending balance collectively evaluated for impairment $ 56,045 $ 230,314 $ 283,547 $ 46,315 $ 9,533 $ 12,050 $ — $ 637,804
Schedule of loan loss provision by change in allowance methodology	The following table represents the effect on the loan loss provision for year ended December 31, 2020 (in thousands) Calculated Provision (Recovery) Based on Current Methodology Calculation Provision (Recovery) Based on Prior Methodology Difference Portfolio Segment: Construction and Farmland $ 1,270 $ 85 $ 1,185 Residential Real Estate 73 275 (202 ) Commercial Real Estate (493 ) 444 (937 ) Commercial 360 (262 ) 622 Consumer 186 140 46 All Other Loans 257 26 231 Total $ 1,653 $ 708 $ 945
Impaired Loans By Class	Impaired loans by class at December 31, 2020 and December 31, 2019 were as follows: As of December 31, 2020 (in thousands) Unpaid Principal Balance Recorded Investment Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 246 $ 147 $ — $ 186 $ 16 Commercial Real Estate: Owner Occupied 1,282 1,227 — 1,258 18 Non-owner occupied 2,682 2,405 — 2,444 34 Construction and Farmland: Residential — — — — — Commercial 233 105 — 109 3 Consumer: Installment 16 15 — 22 1 Residential Equity lines 272 42 — 44 — Single family 2,655 2,413 — 2,514 76 Multifamily — — — — — Other Loans — — — — — $ 7,386 $ 6,354 $ — $ 6,577 $ 148 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 1,449 1,431 72 1,448 38 Multifamily — — — — — Other Loans — — — — — $ 1,449 $ 1,431 $ 72 $ 1,448 $ 38 Total: Commercial $ 246 $ 147 $ — $ 186 $ 16 Commercial Real Estate 3,964 3,632 — 3,702 52 Construction and Farmland 233 105 — 109 3 Consumer 16 15 — 22 1 Residential 4,376 3,886 72 4,006 114 Other — — — — — Total $ 8,835 $ 7,785 $ 72 $ 8,025 $ 186 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. As of December 31, 2019 (in thousands) Unpaid Principal Balance Recorded Investment Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance: Commercial - Non Real Estate: Commercial & Industrial $ 364 $ 228 $ — $ 269 $ 21 Commercial Real Estate: Owner Occupied 369 356 — 358 4 Non-owner occupied 407 329 — 335 — Construction and Farmland: Residential — — — — — Commercial 301 246 — 263 25 Consumer: Installment 9 8 — 9 — Residential: Equity lines 276 65 — 68 1 Single family 2,854 2,435 — 2,583 80 Multifamily 366 367 — 375 21 Other Loans — — — — — $ 4,946 $ 4,034 $ — $ 4,260 $ 152 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied 2,369 2,377 149 2,405 103 Construction and Farmland: Residential — — — — — Commercial 187 187 100 187 8 Consumer: Installment — — — — — Residential: Equity lines — — — — — Single family 879 822 51 833 38 Multifamily — — — — — Other Loans — — — — — $ 3,435 $ 3,386 $ 300 $ 3,425 $ 149 Total: Commercial $ 364 $ 228 $ — $ 269 $ 21 Commercial Real Estate 3,145 3,062 149 3,098 107 Construction and Farmland 488 433 100 450 33 Consumer 9 8 — 9 — Residential 4,375 3,689 51 3,859 140 Other — — — — — Total $ 8,381 $ 7,420 $ 300 $ 7,685 $ 301 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs.
Credit Quality Information By Class	Credit quality information by class at December 31, 2020 and December 31, 2019 was as follows: As of December 31, 2020 (in thousands) INTERNAL RISK RATING GRADES Pass Pass Monitored Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 137,566 $ 2,750 $ 439 $ 7 $ — $ — $ 140,762 Commercial Real Estate: Owner Occupied 126,839 31,927 5,929 1,226 — — 165,921 Non-owner occupied 101,026 42,338 22,555 2,821 — — 168,740 Construction and Farmland: Residential 8,131 2,513 — — — — 10,644 Commercial 19,599 24,982 3,004 161 — — 47,746 Residential: Equity Lines 31,087 124 — 36 5 — 31,252 Single family 193,579 16,639 3,594 3,053 129 — 216,994 Multifamily 10,923 8,700 1,873 — — — 21,496 All other loans 8,438 — 2,335 — — — 10,773 Total $ 637,188 $ 129,973 $ 39,729 $ 7,304 $ 134 $ — $ 814,328 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 21,316 $ 5 As of December 31, 2019 (in thousands) INTERNAL RISK RATING GRADES Pass Pass Monitored Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 42,578 $ 3,815 $ 105 $ 45 $ — $ — $ 46,543 Commercial Real Estate: Owner Occupied 103,958 38,989 5,654 356 — — 148,957 Non-owner occupied 103,909 25,939 5,866 1,929 — — 137,643 Construction and Farm land: Residential 5,094 2,773 — — — — 7,867 Commercial 17,018 30,661 437 495 — — 48,611 Residential: Equity Lines 32,295 889 — 42 22 — 33,248 Single family 162,195 19,427 2,347 2,225 138 — 186,332 Multifamily 11,714 1,337 998 366 — — 14,415 All other loans 11,963 40 47 — — — 12,050 Total $ 490,724 $ 123,870 $ 15,454 $ 5,458 $ 160 $ — $ 635,666 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 9,480 $ 61

Troubled Debt Restructurings (T

Troubled Debt Restructurings (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Schedule Of Troubled Debt Restructurings On Financing Receivables	The following tables set forth information on the Company’s troubled debt restructurings by class of financing receivable occurring during the years ended December 31, 2020 and 2019: Twelve Months Ended December 31, 2020 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial Real Estate Non-owner occupied 1 $ 685 $ 685 Consumer: Installment 1 13 13 Residential Single family 3 931 935 Total 5 $ 1,629 $ 1,633 Twelve Months Ended December 31, 2019 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Total — $ — $ —
Loans by Class of Financing Receivable Modified as TDRs	Loans by class of financing receivable modified as TDRs within the previous 12 months and for which there was a payment default during the stated periods were: Twelve Months Ended December 31, 2020 (in thousands) Number of Contracts Recorded Investment Total — — Twelve Months Ended December 31, 2019 (in thousands) Number of Contracts Recorded Investment Residential Single family 1 $ 72 Total 1 $ 72

Bank Premises and Equipment, _2

Bank Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019 were as follows: December 31, 2020 2019 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 18,498 18,472 Furniture and equipment 8,358 7,972 $ 33,500 $ 33,088 Less accumulated depreciation 14,775 13,791 Bank premises and equipment, net $ 18,725 $ 19,297

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Composition Of Deposits	The composition of deposits at December 31, 2020 and December 31, 2019 was as follows: December 31, 2020 December 31, 2019 (in thousands) Noninterest bearing demand deposits $ 407,576 $ 269,171 Savings and interest bearing demand deposits: NOW accounts $ 132,249 $ 102,337 Money market accounts 207,837 154,133 Regular savings accounts 136,778 107,705 $ 476,864 $ 364,175 Time deposits: Balances of less than $250,000 $ 59,621 $ 59,094 Balances of $250,000 or greater 69,037 79,104 $ 128,658 $ 138,198 $ 1,013,098 $ 771,544
Maturities Of Time Deposits	The outstanding balance of time deposits at December 31, 2020 was due as follows: December 31, 2020 (in thousands) 2021 $ 117,375 2022 6,484 2023 2,031 2024 1,391 2025 1,214 Thereafter 163 $ 128,658

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2020
Advances From Federal Home Loan Banks [Abstract]
Summary Of Information Related To Federal Funds Purchased	The following table summarizes information related to federal funds purchased for the years ended December 31, 2020 and 2019: December 31, 2020 2019 (dollars in thousands) Balance at year-end — — Average balance during the year 1 1,074 Average interest rate during the year 0.61 % 2.91 % Maximum month-end balance during the year $ — $ 10,780 Gross lines of credit at year-end 28,000 28,000 Unused lines of credit at year-end 28,000 28,000

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Schedule Of Net Deferred Tax Assets	The net deferred tax asset at December 31, 2020 and 2019 consisted of the following components: December 31, 2020 2019 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,490 $ 1,044 Share-based compensation 100 91 Accrued postretirement benefits 21 23 Home equity origination costs 50 52 Nonaccrual interest 76 51 Lease liabilities 864 773 Other 24 23 $ 2,625 $ 2,057 Deferred tax liabilities: Property and equipment $ 713 $ 705 Right-of-use assets 843 759 Securities available for sale 867 383 $ 2,423 $ 1,847 Net deferred tax asset $ 202 $ 210
Schedule Of Components Of Income Tax Expense	Income tax expense for the years ended December 31, 2020 and 2019 consisted of the following components: December 31, 2020 2019 (in thousands) Current tax expense $ 2,607 $ 1,294 Deferred tax (benefit) expense (471 ) 516 $ 2,136 $ 1,810
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, 2020 and 2019. December 31, 2020 2019 (in thousands) Statutory federal corporate tax amount $ 2,795 $ 2,429 Tax-exempt interest (income) (193 ) (260 ) Officer insurance (income) loss (57 ) 15 Net tax credits (439 ) (379 ) Other, net 30 5 $ 2,136 $ 1,810

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2020
Share Based Compensation [Abstract]
Restricted Stock Activity	The following table presents the activity for Restricted Stock for the years ended December 31, 2020 and 2019: Twelve Months Ended December 31, 2020 2019 Shares Weighted Average Grant Date Fair Value Shares Weighted Average Grant Date Fair Value Nonvested, beginning of period 18,488 $ 30.39 16,701 $ 29.72 Granted 22,128 28.82 22,488 30.69 Vested (19,238 ) 29.01 (18,150 ) 30.16 Forfeited (450 ) 31.03 (2,551 ) 30.28 Nonvested, end of period 20,928 $ 29.98 18,488 $ 30.39

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Assets And Liabilities, Lessee	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2020 December 31, 2019 Lease liability $ 4,113 $ 3,680 Right-of-use asset $ 4,014 $ 3,618 Weighted average remaining lease term 17 years 20 years Weighted average discount term 3.34 % 3.62 % Twelve Months Ended Lease Cost December 31, 2020 December 31, 2020 Operating lease cost $ 287 $ 261 Variable lease cost — — Short-term lease cost 16 16 Total lease cost $ 303 $ 277 Cash paid for amounts included in the measurement of lease liabilities $ 239 $ 200
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, 2020 Twelve months ending December 31, 2021 319 Twelve months ending December 31, 2022 321 Twelve months ending December 31, 2023 324 Twelve months ending December 31, 2024 327 Twelve months ending December 31, 2025 346 Thereafter 4,039 Total undiscounted cash flows $ 5,676 Discount (1,563 ) Lease liability $ 4,113

Capital Requirements (Tables)

Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2020
Regulatory Capital Requirements [Abstract]
Schedule Of Capital Requirements	The following table presents the Bank’s actual capital amounts and ratios at December 31, 2020 and 2019: Actual Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2020 Common Equity Tier 1 Capital to Risk Weighted Assets $ 97,825 12.39 % $ 35,540 4.50 % $ 51,335 6.50 % Total Capital to Risk Weighted Assets 104,957 13.29 % 63,182 8.00 % 78,977 10.00 % Tier 1 Capital to Risk Weighted Assets 97,825 12.39 % 47,386 6.00 % 63,182 8.00 % Tier 1 Capital to Average Assets 97,825 9.06 % 43,213 4.00 % 54,016 5.00 % December 31, 2019 Common Equity Tier 1 Capital to Risk Weighted Assets $ 90,775 13.65 % $ 29,931 4.50 % $ 43,234 6.50 % Total Capital to Risk Weighted Assets 95,772 14.40 % 53,211 8.00 % 66,514 10.00 % Tier 1 Capital to Risk Weighted Assets 90,775 13.65 % 39,908 6.00 % 53,211 8.00 % Tier 1 Capital to Average Assets 90,775 10.61 % 34,216 4.00 % 42,770 5.00 %

Financial Instruments with Of_2

Financial Instruments with Off-Balance-Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2020
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Schedule Of Financial Instruments	At December 31, 2020 and 2019, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2020 December 31, 2019 (dollars in thousands) Commitments to extend credit $ 27,558 $ 19,939 Unfunded commitments under lines of credit 146,202 121,609 Commercial and standby letters of credit 8,139 6,132

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019 consisted of the following: December 31, 2020 December 31, 2019 (dollar in thousands) Noninterest income: Income from fiduciary activities(1): Trust asset management fees $ 1,398 $ 1,380 Service charges on deposit accounts(1): Overdrawn account fees 695 961 Monthly and other service charges 225 226 Other service charges and fees: Interchange fees (1) 372 380 ATM fees (1) 2,578 2,431 Brokerage commissions (1) 916 1,150 Secondary market fees 431 486 Other charges and fees (2) 460 446 Gain (loss) on the sale and disposal of bank premises and equipment (1) 5 137 Gain (loss) on sale of securities 687 (7 ) Bank owned life insurance income 310 (48 ) Other operating income (3) 502 217 Total noninterest income $ 8,579 $ 7,759 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $390 thousand and $412 thousand for the years ended December 31, 2020 and 2019, respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $505 thousand and $212 thousand for the years ended December 31, 2020 and 2019, 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, 2020
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 2020 and 2019 are summarized as follows: 2020 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 9,107 $ 9,661 $ 10,150 $ 9,990 Net interest income after provision for loan losses 8,102 8,005 9,367 8,696 Noninterest income 1,690 2,422 2,216 2,251 Noninterest expenses 6,875 7,014 7,465 8,087 Income before income taxes 2,917 3,413 4,118 2,860 Net income 2,441 2,819 3,406 2,506 Net income per common share, basic 0.71 0.83 0.99 0.74 Net income per common share, diluted 0.71 0.83 0.99 0.74 Dividends per common share 0.26 0.26 0.26 0.26 2019 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 8,593 $ 8,750 $ 9,084 $ 9,027 Net interest income after provision for loan losses 7,430 7,433 7,835 7,888 Noninterest income 1,844 1,878 2,219 1,818 Noninterest expenses 6,231 6,824 7,411 6,310 Income before income taxes 3,043 2,487 2,643 3,396 Net income 2,571 2,126 2,231 2,831 Net income per common share, basic 0.74 0.62 0.65 0.83 Net income per common share, diluted 0.74 0.62 0.65 0.83 Dividends per common share 0.24 0.25 0.25 0.26

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and December 31, 2019: Fair Value Measurements at December 31, 2020 Using Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2020 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 17,483 $ — $ 17,483 $ — Mortgage-backed securities 119,009 — 119,009 — Obligations of states and political subdivisions 27,213 — 27,213 — Subordinated debt 1,250 — 1,250 — Total assets at fair value $ 164,955 $ — $ 164,955 $ — Fair Value Measurements at December 31, 2019 Using Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2019 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 22,186 $ — $ 22,186 $ — Mortgage-backed securities 108,161 — 108,161 — Obligations of states and political subdivisions 34,656 — 34,656 — Total assets at fair value $ 165,003 $ — $ 165,003 $ —
Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets	The following table displays quantitative information about Level 3 Fair Value Measurements for certain financial assets measured at fair value on a nonrecurring basis for December 31, 2020 and December 31, 2019: Quantitative information about Level 3 Fair Value Measurements December 31, 2020 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Present value of cash flows Discount rate 4% - 6% 4% Other real estate owned Discounted appraised value Discount for current market conditions and selling costs 6% 6% December 31, 2019 Valuation Technique(s) Unobservable Input Range Weighted Average Assets: Impaired loans Discounted appraised value Selling cost 12% 12% Impaired loans Present value of cash flows Discount rate 4% - 6% 5% Other real estate owned Discounted appraised value Discount for current market conditions and 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, 2020 and December 31, 2019: Carrying value at December 31, 2020 Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2020 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 1,355 $ — $ — $ 1,355 Nonfinancial Assets: Other real estate owned 607 — 165 442 Carrying value at December 31, 2019 Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2019 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 3,075 $ — $ — $ 3,075 Nonfinancial Assets: Other real estate owned 183 — — 183
Company's Financial Instruments	The carrying amount and fair value of the Company’s financial instruments at December 31, 2020 and 2019 were as follows: Fair Value Measurements at December 31, 2020 Using Carrying Value as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Fair Value as of December 31, 2020 (Level 1) (Level 2) (Level 3) December 31, 2020 (in thousands) Financial Assets: Cash and short-term investments $ 79,920 $ 79,920 $ — $ — $ 79,920 Securities 164,955 — 164,955 — 164,955 Restricted Investments 1,267 — 1,267 — 1,267 Loans, net 829,238 — — 819,691 819,691 Bank owned life insurance 12,709 — 12,709 — 12,709 Accrued interest receivable 3,441 — 3,441 — 3,441 Financial Liabilities: Deposits $ 1,013,098 $ — $ 1,013,600 $ — $ 1,013,600 Accrued interest payable 72 — 72 — 72 Fair Value Measurements at December 31, 2019 Using Carrying Value as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Fair Value as of December 31, 2019 (Level 1) (Level 2) (Level 3) December 31, 2019 (in thousands) Financial assets: Cash and short-term investments $ 33,659 $ 33,659 $ — $ — $ 33,659 Securities 165,003 — 165,003 — 165,003 Restricted Investments 1,197 — 1,197 — 1,197 Loans, net 639,787 — — 633,476 633,476 Bank owned life insurance 398 — 398 — 398 Accrued interest receivable 2,237 — 2,237 — 2,237 Financial liabilities: Deposits $ 771,544 $ — $ 772,111 $ — $ 772,111 Accrued interest payable 142 — 142 — 142

Change in Accumulated Other C_2

Change in Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2020
Accumulated Other Comprehensive Income Loss Net Of Tax [Abstract]
Changes To Accumulated Other Comprehensive Income (Loss) By Components	Changes to accumulated other comprehensive income (loss) by components are shown in the following tables for the years ended December 31, 2020 and 2019: Twelve Months Ended December 31, 2020 2019 Unrealized Gains and Losses on Available for Sale Securities Change in Benefit Obligations and Plan Assets for the Post Retirement Benefit Plan Total Unrealized Gains and Losses on Available for Sale Securities Change in Benefit Obligations and Plan Assets for the Post Retirement Benefit Plan Total (dollars in thousands) (dollars in thousands) January 1 $ 1,438 $ 44 $ 1,482 $ (1,597 ) $ 44 $ (1,553 ) Other comprehensive income (loss) before reclassifications 2,993 (33 ) 2,960 3,835 — 3,835 Reclassifications from other comprehensive income (loss) (687 ) 3 (684 ) 7 — 7 Tax effect of current period changes (484 ) 5 (479 ) (807 ) — (807 ) Current period changes net of taxes 1,822 (25 ) 1,797 3,035 — 3,035 December 31 $ 3,260 $ 19 $ 3,279 $ 1,438 $ 44 $ 1,482

Condensed Financial Informati_2

Condensed Financial Information - Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Schedule Of Condensed Balance Sheets	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Balance Sheets December 31, 2020 and 2019 (dollars in thousands) 2020 2019 Assets Cash held in subsidiary bank $ 902 $ 989 Loans, net of allowance 2,932 2,939 Investment in subsidiary 101,104 92,257 Other assets 136 141 Total assets $ 105,074 $ 96,326 Liabilities and Shareholders’ Equity Total liabilities $ — $ — Shareholders’ Equity Preferred stock $ — $ — Common stock 8,460 8,529 Surplus 10,811 11,406 Retained earnings 82,524 74,909 Accumulated other comprehensive income 3,279 1,482 Total shareholders’ equity $ 105,074 $ 96,326 Total liabilities and shareholders’ equity $ 105,074 $ 96,326
Schedule Of Condensed Income Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2020 and 2019 (dollars in thousands) 2020 2019 Income Dividends from subsidiary bank $ 4,250 $ 5,000 Interest and fees on loans 133 134 Total income $ 4,383 $ 5,134 Expenses Other operating expenses $ 295 $ 457 Total expenses $ 295 $ 457 Income before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ 4,088 $ 4,677 Income Tax (Benefit) (34 ) (70 ) Income before equity in undistributed earnings of subsidiary bank $ 4,122 $ 4,747 Equity in Undistributed Net Income of Subsidiary Bank 7,050 5,012 Net income $ 11,172 $ 9,759 Comprehensive income $ 12,969 $ 12,794
Schedule Of Condensed Cash Flows Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2020 and 2019 (dollars in thousands) 2020 2019 Cash Flows from Operating Activities Net Income $ 11,172 $ 9,759 Adjustments to reconcile net income to net cash provided by operating activities Stock-based compensation expense 604 562 Undistributed earnings of subsidiary bank (7,050 ) (5,012 ) Changes in assets and liabilities: Decrease (increase) in other assets 5 (50 ) Net cash provided by operating activities $ 4,731 $ 5,259 Cash Flows from Investing Activities Net decrease (increase) in loans $ 7 $ (43 ) Net cash provided by (used in) investing activities $ 7 $ (43 ) Cash Flows from Financing Activities Cash dividends paid (3,198 ) (2,996 ) Issuance of common stock, employee benefit plan 227 138 Retirement of common stock (1,854 ) (1,771 ) Net cash (used in) financing activities $ (4,825 ) $ (4,629 ) (Decrease) increase in cash $ (87 ) $ 587 Cash Beginning $ 989 $ 402 Ending $ 902 $ 989

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019: Year Ended Year Ended December 31, December 31, 2020 2019 Balance, beginning $ 183 $ 106 Net loans transferred to OREO 441 1,151 Gain on foreclosure 166 192 Sales (183 ) (1,266 ) Balance, ending $ 607 $ 183
Schedule of Real Estate Properties	The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2020 and 2019 were as follows: As of December 31, 2020 December 31, 2019 (in thousands) Construction and Farmland $ — $ — Residential Real Estate 165 183 Commercial Real Estate 442 — Subtotal $ 607 $ 183 Less valuation allowance — — Total $ 607 $ 183

Nature of Banking Activities _4

Nature of Banking Activities and Significant Accounting Policies (Narrative) (Details)	12 Months Ended
	Dec. 31, 2020USD ($)loanshares	Dec. 31, 2019USD ($)shares	Dec. 31, 2018shares
Property Plant And Equipment [Line Items]
Ownership percentage in subsidiaries	100.00%
Period interest on mortgage loans is discontinued	120 days
Period Interest on commercial loans discontinued	90 days
Credit card loans and other personal loans are charged off	180 days
Limit of the estimated appraised value of the furnished home	80.00%
Authorized issuance of shares of common stock	500,000
"More likely than not" threshold	50.00%
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	0	0	0
Number of shares of common stock able to be repurchased	150,000
Treasury Stock, Shares, Retired	67,189	53,988
Stock Repurchased and Retired During Period, Value | $	$ 27.60	$ 32.79
Maximum numbers of shares that may yet be purchased under plan	121,425
Building [Member] | Minimum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	10 years
Building [Member] | Maximum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	39 years
Furniture and equipment [Member] | Minimum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	3 years
Furniture and equipment [Member] | Maximum [Member]
Property Plant And Equipment [Line Items]
Estimated useful lives	10 years
Paycheck Protection Program Loans [Member]
Property Plant And Equipment [Line Items]
Number of loans | loan	911
Total outstanding balance of loans | $	$ 81,300,000

Nature of Banking Activities _5

Nature of Banking Activities and Significant Accounting Policies (Weighted Average Number of Shares Used In Computing Earnings Per Share) (Details) - shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Average number of common shares outstanding	3,417,543	3,438,410
Average number of common shares outstanding used to calculate diluted earnings per share	3,417,543	3,438,410

Securities (Amortized Costs And

Securities (Amortized Costs And Fair Values Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	$ 160,827	$ 163,181
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	4,174	2,187
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(46)	(365)
Securities available for sale, at fair value	164,955	165,003
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	16,576	21,917
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	907	363
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax		(94)
Securities available for sale, at fair value	17,483	22,186
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	117,161	107,410
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	1,894	966
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(46)	(215)
Securities available for sale, at fair value	119,009	108,161
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	25,840	33,854
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	1,373	858
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax		(56)
Securities available for sale, at fair value	27,213	$ 34,656
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	1,250
Securities available for sale, at fair value	$ 1,250

Securities (Restricted Investme

Securities (Restricted Investments) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 1,267	$ 1,197
Federal Reserve Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	344	344
Federal Home Loan Bank Stock [Member]
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	783	713
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, 2020	Dec. 31, 2019
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis [Abstract]
Due in one year or less, Amortized Cost	$ 751
Due after one year through five years, Amortized Cost	8,587
Due after five years through ten years, Amortized Cost	32,281
Due after ten years, Amortized Cost	119,208
Amortized Cost	160,827	$ 163,181
Debt Securities, Available-for-sale, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less, Fair Value	760
Due after one year through five years, Fair Value	8,879
Due after five years through ten years, Fair Value	34,056
Due after ten years, Fair Value	121,260
Fair Value	$ 164,955	$ 165,003

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Security	Dec. 31, 2019USD ($)Security
Available For Sale Securities [Abstract]
Sales of securities available for sale	$ 28,323	$ 12,350
Available-for-sale Securities, Gross Realized Gains	687	37
Available-for-sale Securities, Gross Realized Losses	$ 0	$ 44
Debt securities included in gross unrealized losses on available for sale securities | Security	3	28
Carrying value of securities pledged as collateral	$ 3,100

Securities (Fair Value And Gros

Securities (Fair Value And Gross Unrealized Losses For Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	$ 12,014	$ 28,102
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	46	316
Fair Value, 12 months or more		8,191
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		49
Fair Value, Total	12,014	36,293
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	46	365
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	12,014	19,509
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	46	176
Fair Value, 12 months or more		5,271
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		39
Fair Value, Total	12,014	24,780
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 46	215
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months		5,466
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		91
Fair Value, 12 months or more		1,997
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		3
Fair Value, Total		7,463
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		94
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months		3,127
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		49
Fair Value, 12 months or more		923
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		7
Fair Value, Total		4,050
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		$ 56

Loans (Schedule of Composition

Loans (Schedule of Composition of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 835,649	$ 645,207
Net deferred loan costs (fees)	685	(447)
Allowance for loan losses	(7,096)	(4,973)
Net Loans	829,238	639,787
Construction and land development
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	42,544	42,561
Secured by farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	15,846	13,917
Secured by 1-4 family residential properties
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	248,246	219,580
Multifamily
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	21,496	14,415
Commercial Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	334,661	286,600
Commercial and industrial loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	140,762	46,543
Consumer installment loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	21,321	9,541
All other loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 10,773	$ 12,050

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Receivables [Abstract]
Beginning Balance	$ 4,973	$ 5,456
Provision charged to operating expense	1,457	629
Recoveries added to the allowance	1,131	201
Loan losses charged to the allowance	(465)	(1,313)
Ending Balance	$ 7,096	$ 4,973

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Nonaccrual And Past Due Loans By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 1,862	$ 3,789
Current	833,787	641,418
Current	835,649	645,207
Nonaccrual Loans	4,754	2,185
Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	43	79
Current	140,719	46,464
Current	140,762	46,543
Nonaccrual Loans		32
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	157	1,078
Current	165,764	147,879
Current	165,921	148,957
Nonaccrual Loans	1,227	320
Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	622
Current	168,118	137,643
Current	168,740	137,643
Nonaccrual Loans	2,405	329
Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Current	10,644	7,867
Current	10,644	7,867
Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	69	187
Current	47,677	48,424
Current	47,746	48,611
Nonaccrual Loans	69	187
Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	5	61
Current	21,316	9,480
Current	21,321	9,541
Nonaccrual Loans	5	8
Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	13	121
Current	31,239	33,127
Current	31,252	33,248
Nonaccrual Loans	42	65
Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	953	2,263
Current	216,041	184,069
Current	216,994	186,332
Nonaccrual Loans	1,006	1,244
Residential Multi Family
Financing Receivable Recorded Investment Past Due [Line Items]
Current	21,496	14,415
Current	21,496	14,415
All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Current	10,773	12,050
Current	10,773	12,050
30 - 59 Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	810	1,772
30 - 59 Days Past due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	43	47
30 - 59 Days Past due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		1,078
30 - 59 Days Past due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	500
30 - 59 Days Past due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	5	55
30 - 59 Days Past due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	13	121
30 - 59 Days Past due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	249	471
60 - 89 Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	123	547
60 - 89 Days Past due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		6
60 - 89 Days Past due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	123	541
90 or More Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	929	1,470
90 or More Days Past due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		32
90 or More Days Past due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	157
90 or More Days Past due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	122
90 or More Days Past due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	69	187
90 or More Days Past due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 581	$ 1,251

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Allowance For Loan Losses By Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Impaired [Line Items]
Beginning Balance	$ 4,973	$ 5,456
Loan losses charged to the allowance	(465)	(1,313)
Recoveries	1,131	201
Provision	1,457	629
Ending Balance	7,096	4,973
Ending balance: Individually evaluated for impairment	72	300
Ending balance: collectively evaluated for impairment	7,024	4,673
Ending balance	835,649	645,207
Ending balance individually evaluated for impairment	7,768	7,403
Ending balance collectively evaluated for impairment	827,881	637,804
Construction and Farmland
Financing Receivable Impaired [Line Items]
Beginning Balance	446	583
Loan losses charged to the allowance	(119)
Recoveries	7	8
Provision	1,270	(145)
Ending Balance	1,604	446
Ending balance: Individually evaluated for impairment		100
Ending balance: collectively evaluated for impairment	1,604	346
Ending balance	58,390	56,478
Ending balance individually evaluated for impairment	105	433
Ending balance collectively evaluated for impairment	58,285	56,045
Residential
Financing Receivable Impaired [Line Items]
Beginning Balance	1,601	1,788
Loan losses charged to the allowance	(20)	(406)
Recoveries	275	72
Provision	73	147
Ending Balance	1,929	1,601
Ending balance: Individually evaluated for impairment	72	51
Ending balance: collectively evaluated for impairment	1,857	1,550
Ending balance	269,742	233,995
Ending balance individually evaluated for impairment	3,869	3,681
Ending balance collectively evaluated for impairment	265,873	230,314
Commercial Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,991	1,988
Loan losses charged to the allowance	(155)
Recoveries	302	20
Provision	(493)	(17)
Ending Balance	1,645	1,991
Ending balance: Individually evaluated for impairment		149
Ending balance: collectively evaluated for impairment	1,645	1,842
Ending balance	334,661	286,600
Ending balance individually evaluated for impairment	3,632	3,053
Ending balance collectively evaluated for impairment	331,029	283,547
Commercial - Non Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	565	919
Loan losses charged to the allowance	(49)	(850)
Recoveries	498	52
Provision	360	444
Ending Balance	1,374	565
Ending balance: collectively evaluated for impairment	1,374	565
Ending balance	140,762	46,543
Ending balance individually evaluated for impairment	147	228
Ending balance collectively evaluated for impairment	140,615	46,315
Consumer
Financing Receivable Impaired [Line Items]
Beginning Balance	54	53
Loan losses charged to the allowance	(83)	(5)
Recoveries	41	26
Provision	186	(20)
Ending Balance	198	54
Ending balance: collectively evaluated for impairment	198	54
Ending balance	21,321	9,541
Ending balance individually evaluated for impairment	15	8
Ending balance collectively evaluated for impairment	21,306	9,533
All Other Loans
Financing Receivable Impaired [Line Items]
Beginning Balance	120	97
Loan losses charged to the allowance	(39)	(52)
Recoveries	8	23
Provision	257	52
Ending Balance	346	120
Ending balance: collectively evaluated for impairment	346	120
Ending balance	10,773	12,050
Ending balance collectively evaluated for impairment	10,773	12,050
Unallocated
Financing Receivable Impaired [Line Items]
Beginning Balance	196	28
Provision	$ (196)	168
Ending Balance		196
Ending balance: collectively evaluated for impairment		$ 196

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Schedule of loan loss provision by change in allowance methodology) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	$ 1,457	$ 629
Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	1,653
Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	708
Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	945
Construction and Farmland
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	1,270	(145)
Construction and Farmland | Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	1,270
Construction and Farmland | Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	85
Construction and Farmland | Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	1,185
Residential Portfolio Segment | Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	73
Residential Portfolio Segment | Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	275
Residential Portfolio Segment | Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	(202)
Commercial Real Estate
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	(493)	(17)
Commercial Real Estate | Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	(493)
Commercial Real Estate | Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	444
Commercial Real Estate | Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	(937)
Commercial - Non Real Estate
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	360	$ 444
Commercial - Non Real Estate | Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	360
Commercial - Non Real Estate | Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	(262)
Commercial - Non Real Estate | Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	622
Consumer Installment Financing Receivable | Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	186
Consumer Installment Financing Receivable | Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	140
Consumer Installment Financing Receivable | Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	46
Other Loans | Current Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	257
Other Loans | Prior Methodology
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	26
Other Loans | Difference
Financing Receivable Impaired [Line Items]
Provision charged to operating expense	$ 231

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Impaired Loans By Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Unpaid Principal Balance
Total:	$ 186	$ 301
Total	8,835	8,381
Recorded Investment
Total	7,785	7,420
Related Allowance
With no related allowance:	72	300
Average Recorded Investment
Total	8,025	7,685
Consumer Installment Financing Receivable
Unpaid Principal Balance
Total:	1
Total	16	9
Recorded Investment
Total	15	8
Average Recorded Investment
Total	22	9
Commercial - Non Real Estate
Unpaid Principal Balance
Total:	16	21
Total	246	364
Recorded Investment
Total	147	228
Average Recorded Investment
Total	186	269
Commercial Real Estate
Unpaid Principal Balance
Total:	52	107
Total	3,964	3,145
Recorded Investment
Total	3,632	3,062
Related Allowance
With no related allowance:		149
Average Recorded Investment
Total	3,702	3,098
Construction and Farmland
Unpaid Principal Balance
Total:	3	33
Total	233	488
Recorded Investment
Total	105	433
Related Allowance
With no related allowance:		100
Average Recorded Investment
Total	109	450
Residential Portfolio Segment
Unpaid Principal Balance
Total:	114	140
Total	4,376	4,375
Recorded Investment
Total	3,886	3,689
Related Allowance
With no related allowance:	72	51
Average Recorded Investment
Total	4,006	3,859
With No Related Allowance
Unpaid Principal Balance
With no related allowance:	148	152
With no related allowance:	7,386	4,946
Recorded Investment
With no related allowance:	6,354	4,034
Average Recorded Investment
With no related allowance:	6,577	4,260
With No Related Allowance | Commercial - Non Real Estate: - Commercial Real Estate:
Unpaid Principal Balance
With no related allowance:	16	21
With no related allowance:	246	364
Recorded Investment
With no related allowance:	147	228
Average Recorded Investment
With no related allowance:	186	269
With No Related Allowance | Commercial Real Estate Owner Occupied
Unpaid Principal Balance
With no related allowance:	18	4
With no related allowance:	1,282	369
Recorded Investment
With no related allowance:	1,227	356
Average Recorded Investment
With no related allowance:	1,258	358
With No Related Allowance | Commercial Real Estate Non Owner Occupied
Unpaid Principal Balance
With no related allowance:	34
With no related allowance:	2,682	407
Recorded Investment
With no related allowance:	2,405	329
Average Recorded Investment
With no related allowance:	2,444	335
With No Related Allowance | Construction And Farmland Commercial
Unpaid Principal Balance
With no related allowance:	3	25
With no related allowance:	233	301
Recorded Investment
With no related allowance:	105	246
Average Recorded Investment
With no related allowance:	109	263
With No Related Allowance | Consumer Installment Financing Receivable
Unpaid Principal Balance
With no related allowance:	1
With no related allowance:	16	9
Recorded Investment
With no related allowance:	15	8
Average Recorded Investment
With no related allowance:	22	9
With No Related Allowance | Residential Equity Lines
Unpaid Principal Balance
With no related allowance:		1
With no related allowance:	272	276
Recorded Investment
With no related allowance:	42	65
Average Recorded Investment
With no related allowance:	44	68
With No Related Allowance | Residential Single Family
Unpaid Principal Balance
With no related allowance:	76	80
With no related allowance:	2,655	2,854
Recorded Investment
With no related allowance:	2,413	2,435
Average Recorded Investment
With no related allowance:	2,514	2,583
With No Related Allowance | Residential Multi Family
Unpaid Principal Balance
With no related allowance:		21
With no related allowance:		366
Recorded Investment
With no related allowance:		367
Average Recorded Investment
With no related allowance:		375
With An Allowance Recorded
Unpaid Principal Balance
With an allowance recorded:	38	149
With an allowance recorded:	1,449	3,435
Recorded Investment
With an allowance recorded:	1,431	3,386
Related Allowance
With no related allowance:	72	300
Average Recorded Investment
With an allowance recorded:	1,448	3,425
With An Allowance Recorded | Commercial Real Estate Non Owner Occupied
Unpaid Principal Balance
With an allowance recorded:		103
With an allowance recorded:		2,369
Recorded Investment
With an allowance recorded:		2,377
Related Allowance
With no related allowance:		149
Average Recorded Investment
With an allowance recorded:		2,405
With An Allowance Recorded | Construction And Farmland Commercial
Unpaid Principal Balance
With an allowance recorded:		8
With an allowance recorded:		187
Recorded Investment
With an allowance recorded:		187
Related Allowance
With no related allowance:		100
Average Recorded Investment
With an allowance recorded:		187
With An Allowance Recorded | Residential Single Family
Unpaid Principal Balance
With an allowance recorded:	38	38
With an allowance recorded:	1,449	879
Recorded Investment
With an allowance recorded:	1,431	822
Related Allowance
With no related allowance:	72	51
Average Recorded Investment
With an allowance recorded:	$ 1,448	$ 833

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Credit Quality Information By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 814,328	$ 635,666
Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	140,762	46,543
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	165,921	148,957
Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	168,740	137,643
Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,644	7,867
Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	47,746	48,611
Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	31,252	33,248
Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	216,994	186,332
Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21,496	14,415
All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,773	12,050
Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	637,188	490,724
Pass | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	137,566	42,578
Pass | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	126,839	103,958
Pass | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	101,026	103,909
Pass | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,131	5,094
Pass | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	19,599	17,018
Pass | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	31,087	32,295
Pass | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	193,579	162,195
Pass | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,923	11,714
Pass | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,438	11,963
Pass Monitored
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	129,973	123,870
Pass Monitored | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,750	3,815
Pass Monitored | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	31,927	38,989
Pass Monitored | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	42,338	25,939
Pass Monitored | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,513	2,773
Pass Monitored | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	24,982	30,661
Pass Monitored | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	124	889
Pass Monitored | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	16,639	19,427
Pass Monitored | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	8,700	1,337
Pass Monitored | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		40
Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	39,729	15,454
Special Mention | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	439	105
Special Mention | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5,929	5,654
Special Mention | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	22,555	5,866
Special Mention | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,004	437
Special Mention | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,594	2,347
Special Mention | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,873	998
Special Mention | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,335	47
Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	7,304	5,458
Substandard | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	7	45
Substandard | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,226	356
Substandard | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,821	1,929
Substandard | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	161	495
Substandard | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	36	42
Substandard | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	3,053	2,225
Substandard | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		366
Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	134	160
Doubtful | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5	22
Doubtful | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	129	138
Performing Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	21,316	9,480
Nonperforming Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 5	$ 61

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)loancontract	Dec. 31, 2019USD ($)loan
Financing Receivable Modifications [Line Items]
Number of troubled debt restructured loans | loan	17	18
Total troubled debt restructured loans | $	$ 3,300	$ 3,000
Financing Receivable, Modifications, Nonaccrual, Number of Contracts | loan	3	4
Financing Receivable, Modifications, Nonaccrual, Recorded Investment | $	$ 796	$ 401
Number of deferral loans of interest and principal payments | loan	255
Deferrals on outstanding loan balances | $	$ 128,700
Number of loans making payment after deferral option passed | loan	241
Number of contractions modified by granting concession	5
Consumer Installment
Financing Receivable Modifications [Line Items]
Number of contracts modified by changing the amortization period	1
Residential Single Family
Financing Receivable Modifications [Line Items]
Number of contracts modified by changing the amortization period	1
Number of contracts modified by reduced payment amount	1
Number of contracts modified by new policy exception	1
Loan is considered payment default	30 days
Commercial Real Estate
Financing Receivable Modifications [Line Items]
Number of contracts modified by granting interest	1
Payment Deferral [Member] | CARES Act [Member]
Financing Receivable Modifications [Line Items]
Deferrals on outstanding loan balances | $	$ 130,500

Troubled Debt Restructurings (S

Troubled Debt Restructurings (Schedule of Troubled Debt Restructurings on Financing Receivables) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)contract
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	5
Pre-Modification Outstanding Recorded Investment	$ 1,629
Post-Modification Outstanding Recorded Investment	$ 1,633
Non-owner Occupied Commercial
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 685
Post-Modification Outstanding Recorded Investment	$ 685
Consumer Installment
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 13
Post-Modification Outstanding Recorded Investment	$ 13
Residential Single Family
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	3
Pre-Modification Outstanding Recorded Investment	$ 931
Post-Modification Outstanding Recorded Investment	$ 935

Troubled Debt Restructurings -

Troubled Debt Restructurings - Loans By Class of Financing Receivable Modified as TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020loan	Dec. 31, 2019USD ($)loancontract
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of troubled debt restructured loans | loan	17	18
Troubled Debt Restructurings Within Previous Twelve Months
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of troubled debt restructured loans | contract		1
Troubled Debt Restructuring Modifications Recorded Investment | $		$ 72
Troubled Debt Restructurings Within Previous Twelve Months | Residential Single Family
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of troubled debt restructured loans | contract		1
Troubled Debt Restructuring Modifications Recorded Investment | $		$ 72

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, 2020	Dec. 31, 2019
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 33,500	$ 33,088
Less accumulated depreciation	14,775	13,791
Bank premises and equipment, net	18,725	19,297
Land [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	6,644	6,644
Building and improvements [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	18,498	18,472
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 8,358	$ 7,972

Bank Premises and Equipment, _4

Bank Premises and Equipment, Net (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Property Plant And Equipment [Line Items]
Depreciation	$ 1,028	$ 957
Building and improvements [Member]
Property Plant And Equipment [Line Items]
Depreciation	500	494
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Depreciation	$ 527	$ 463

Deposits (Composition of Deposi

Deposits (Composition of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Noninterest bearing demand deposits	$ 407,576	$ 269,171
Savings and interest bearing demand deposits:
NOW accounts	132,249	102,337
Money market accounts	207,837	154,133
Regular savings accounts	136,778	107,705
Savings and interest bearing demand deposits	476,864	364,175
Time deposits:
Balances of less than $250,000	59,621	59,094
Balances of $250,000 or greater	69,037	79,104
Time Deposits	128,658	138,198
Total deposits	$ 1,013,098	$ 771,544

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Reciprocal Money Market Accounts Domestic	$ 34,600	$ 27,000
Deposit overdrafts reclassified as loans	$ 70	$ 135

Deposits (Schedule of Outstandi

Deposits (Schedule of Outstanding Balance of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
2021	$ 117,375
2022	6,484
2023	2,031
2024	1,391
2025	1,214
Thereafter	163
Time Deposits	$ 128,658	$ 138,198

Borrowings (Summary of Informat

Borrowings (Summary of Information Related to Federal Funds Purchased) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Advances From Federal Home Loan Banks [Abstract]
Average balance during the year	$ 1	$ 1,074
Average interest rate during the year	0.61%	2.91%
Maximum month-end balance during the year		$ 10,780
Gross lines of credit at year-end	$ 28,000	28,000
Unused lines of credit at year-end	$ 28,000	$ 28,000

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank Advances	$ 0	$ 0
FHLB irrevocable letter of credit	50,000
Federal Home Loan Bank of Atlanta [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Unused line of credit total	$ 225,200
Available credit to total Bank assets, maximum percentage	20.00%

Income Taxes (Schedule of Net D

Income Taxes (Schedule of Net Deferred Tax Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred tax assets:
Allowance for loan losses	$ 1,490	$ 1,044
Share-based compensation	100	91
Accrued postretirement benefits	21	23
Home equity origination costs	50	52
Nonaccrual interest	76	51
Lease liabilities	864	773
Other	24	23
Total deferred tax assets	2,625	2,057
Deferred tax liabilities:
Property and equipment	713	705
Right-of-use assets	843	759
Securities available for sale	867	383
Total deferred tax liabilities	2,423	1,847
Net deferred tax asset	$ 202	$ 210

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Current tax expense	$ 2,607	$ 1,294
Deferred tax (benefit) expense	(471)	516
Total income tax expense	$ 2,136	$ 1,810

Income Taxes (Schedule of Incom

Income Taxes (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Statutory federal corporate tax amount	$ 2,795	$ 2,429
Tax-exempt interest (income)	(193)	(260)
Officer insurance (income) loss	(57)	15
Net tax credits	(439)	(379)
Other, net	30	5
Total income tax expense	$ 2,136	$ 1,810

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Effective income tax rate	16.05%	15.65%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Compensation expense	$ 604	$ 562
Grant date fair value of vested Restricted Stock	558	547
Vest date fair value of vested Restricted Stock	561	$ 556
Unrecognized compensation cost related to unvested Restricted Stock	$ 184
Weighted-average period for unrecognized compensation cost to be recognized	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	1 year

Stock-Based Compensation (Restr

Stock-Based Compensation (Restricted Stock Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation [Abstract]
Nonvested, beginning of period	18,488	16,701
Granted	22,128	22,488
Vested	(19,238)	(18,150)
Forfeited	(450)	(2,551)
Nonvested, end of period	20,928	18,488
Nonvested, beginning of period	$ 30.39	$ 29.72
Granted	28.82	30.69
Vested	29.01	30.16
Forfeited	31.03	30.28
Nonvested, end of period	$ 29.98	$ 30.39

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Defined Contribution Plan [Line Items]
Matched percentage by employer	50.00%
Maximum employee percentage of deferred salary matched by employer	6.00%
Non-elective safe-harbor contribution received each December 31st	3.00%
Employer contributions	$ 1,500	$ 1,100
Maximum age benefit could be reduced or forfeited	65 years
Supplemental income benefit liability	$ 23	30
Supplemental income benefit expense	$ 29	$ 21
Minimum [Member]
Defined Contribution Plan [Line Items]
Non-elective safe-harbor contribution received each December 31st	1.00%
Maximum [Member]
Defined Contribution Plan [Line Items]
Non-elective safe-harbor contribution received each December 31st	10.00%

Commitments and Contingencies (

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Commitments And Contingencies Disclosure [Abstract]
Daily average required reserve balance		$ 1,700
Required compensating balance on deposit	$ 250	$ 250

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Jan. 01, 2019
Other Assets [Member]
Lessee Lease Description [Line Items]
Operating lease asset	$ 4,014		$ 3,618
Other Liabilities [Member]
Lessee Lease Description [Line Items]
Operating lease, liability	$ 4,113		$ 3,680
ASU 2016-02 | Other Assets [Member]
Lessee Lease Description [Line Items]
Operating lease asset		$ 549		$ 3,800
ASU 2016-02 | Other Liabilities [Member]
Lessee Lease Description [Line Items]
Operating lease, liability		$ 549		$ 3,800

Leases - Schedule of Lease Info

Leases - Schedule of Lease Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Lessee Lease Description [Line Items]
Weighted average remaining lease term	17 years	20 years
Weighted average discount term	3.34%	3.62%
Lease Cost
Operating lease cost	$ 287	$ 261
Short-term lease cost	16	16
Total lease cost	303	277
Cash paid for amounts included in the measurement of lease liabilities	239	200
Other Liabilities [Member]
Lessee Lease Description [Line Items]
Lease liability	4,113	3,680
Other Assets [Member]
Lessee Lease Description [Line Items]
Right-of-use asset	$ 4,014	$ 3,618

Leases - Schedule of Maturity o

Leases - Schedule of Maturity of Lease Liability (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Twelve months ending December 31, 2021	$ 319
Twelve months ending December 31, 2022	321
Twelve months ending December 31, 2023	324
Twelve months ending December 31, 2024	327
Twelve months ending December 31, 2025	346
Thereafter	4,039
Total undiscounted cash flows	5,676
Discount	(1,563)
Other Liabilities [Member]
Operating lease, liability	$ 4,113	$ 3,680

Transactions with Directors a_2

Transactions with Directors and Officers (Details) - Directors, Principal Officers, and Other Related Parties [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Related Party Transaction [Line Items]
Aggregate balance of loans to directors, principal officers, and their related parties	$ 5.4	$ 6.2
Total principal additions	1.9
Total principal payments	2.7
Aggregate balance of deposits from directors, principal officers and their related parties	$ 16.6	$ 24.3

Capital Requirements - Addition

Capital Requirements - Additional Information (Details)	Jan. 01, 2019	Jan. 01, 2016	Dec. 31, 2020
Regulatory Capital Requirements [Abstract]
Capital conservation buffer in percentage	2.50%	0.625%	5.29%
Capital conservation buffer in percentage annual increase			0.625%

Capital Requirements (Schedule

Capital Requirements (Schedule of Capital Requirements) (Details) - The Bank [Member] - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common Equity Tier 1 Capital	$ 97,825	$ 90,775
Total Capital to Risk Weighted Assets, Actual, Amount	104,957	95,772
Tier 1 Capital Risk Weighted Assets, Actual, Amount	97,825	90,775
Tier 1 Capital to Average Assets, Actual, Amount	$ 97,825	$ 90,775
Common Equity Tier One Capital to Risk Weighted Assets	12.39%	13.65%
Total Capital to Risk Weighted Assets, Actual, Ratio	13.29%	14.40%
Tier 1 Capital Risk Weighted Assets, Actual, Ratio	12.39%	13.65%
Tier 1 Capital to Average Assets, Actual, Ratio	9.06%	10.61%
Common Equity Tier One Capital Required for Capital Adequacy	$ 35,540	$ 29,931
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	63,182	53,211
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount	47,386	39,908
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount	$ 43,213	$ 34,216
Common Equity Tier One Capital For Capital Adequacy To Risk Weighted Assets	4.50%	4.50%
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	8.00%	8.00%
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio	6.00%	6.00%
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio	4.00%	4.00%
Common Equity Tier One Capital Required to be Well-Capitalized	$ 51,335	$ 43,234
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	78,977	66,514
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	63,182	53,211
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 54,016	$ 42,770
Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets	6.50%	6.50%
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	8.00%
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%

Restrictions On Dividends, Lo_2

Restrictions On Dividends, Loans, and Advances (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
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	$ 17.7
Restricted net assets	83.4
Funds available for loans or advances	$ 10.5

Dividend Investment Plan (Detai

Dividend Investment Plan (Details)	Dec. 31, 2016
Dividend Investment Plan [Abstract]
Percentage of fair market value	95.00%

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, 2020	Dec. 31, 2019
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Commitments to extend credit	$ 27,558	$ 19,939
Unfunded commitments under lines of credit	146,202	121,609
Commercial and standby letters of credit	$ 8,139	$ 6,132

Financial Instruments with Of_4

Financial Instruments with Off-Balance-Sheet Risk - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Collateralized letters of credit outstanding	$ 7.8
Excess of insurance limits held in cash accounts	$ 3.7

Schedule of Noninterest Income

Schedule of Noninterest Income Disaggregated by Major Source (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Disaggregation Of Revenue [Line Items]
Gain (loss) on the sale and disposal of bank premises and equipment (1)										$ 5	$ 137
Gain (loss) on sale of securities										687	(7)
Bank owned life insurance income										310	(48)
Other operating income	[1]									502	217
Total noninterest income		$ 2,251	$ 2,216	$ 2,422	$ 1,690	$ 1,818	$ 2,219	$ 1,878	$ 1,844	8,579	7,759
Trust asset management fees
Disaggregation Of Revenue [Line Items]
Noninterest income										1,398	1,380
Overdrawn account fees
Disaggregation Of Revenue [Line Items]
Noninterest income										695	961
Monthly and other service charges
Disaggregation Of Revenue [Line Items]
Noninterest income										225	226
Interchange fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[2]									372	380
ATM fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[2]									2,578	2,431
Brokerage commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	[2]									916	1,150
Secondary market fees
Disaggregation Of Revenue [Line Items]
Noninterest income										431	486
Other charges and fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[3]									$ 460	$ 446
[1]	Includes income within the scope of Topic 606 of $505 thousand and $212 thousand for the years ended December 31, 2020 and 2019, respectively. The remaining balance is outside the scope of Topic 606.
[2]	Income within the scope of Topic 606.
[3]	Includes income within the scope of Topic 606 of $390 thousand and $412 thousand for the years ended December 31, 2020 and 2019, 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, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Total interest and dividend income	$ 9,990	$ 10,150	$ 9,661	$ 9,107	$ 9,027	$ 9,084	$ 8,750	$ 8,593	$ 38,908	$ 35,454
Net interest income after provision for loan losses	8,696	9,367	8,005	8,102	7,888	7,835	7,433	7,430	34,170	30,586
Noninterest income	2,251	2,216	2,422	1,690	1,818	2,219	1,878	1,844	8,579	7,759
Noninterest expenses	8,087	7,465	7,014	6,875	6,310	7,411	6,824	6,231	29,441	26,776
Income before income taxes	2,860	4,118	3,413	2,917	3,396	2,643	2,487	3,043	13,308	11,569
Net income	$ 2,506	$ 3,406	$ 2,819	$ 2,441	$ 2,831	$ 2,231	$ 2,126	$ 2,571	$ 11,172	$ 9,759
Net income per common share, basic	$ 0.74	$ 0.99	$ 0.83	$ 0.71	$ 0.83	$ 0.65	$ 0.62	$ 0.74	$ 3.27	$ 2.84
Net income per common share, diluted	0.74	0.99	0.83	0.71	0.83	0.65	0.62	0.74	3.27	2.84
Dividends declared, per share	$ 0.26	$ 0.26	$ 0.26	$ 0.26	$ 0.26	$ 0.25	$ 0.25	$ 0.24	$ 1.04	$ 1

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, 2020	Dec. 31, 2019
Securities available for sale
Total assets at fair value	$ 164,955	$ 165,003
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	164,955	165,003
Obligations Of U.S. Government Corporations And Agencies [Member]
Securities available for sale
Total assets at fair value	17,483	22,186
Obligations Of U.S. Government Corporations And Agencies [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	17,483	22,186
Mortgage-Backed Securities [Member]
Securities available for sale
Total assets at fair value	119,009	108,161
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	119,009	108,161
Obligations Of States And Political Subdivisions [Member]
Securities available for sale
Total assets at fair value	27,213	34,656
Obligations Of States And Political Subdivisions [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	27,213	$ 34,656
Subordinated Debt [Member]
Securities available for sale
Total assets at fair value	1,250
Subordinated Debt [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	$ 1,250

Fair Value Measurements (Quanti

Fair Value Measurements (Quantitative Information About Level 3 Fair Value Measurements For Certain Financial Assets) (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Impaired Loans [Member] | Measurement Input, Discount Rate
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	4.00%	5.00%
Impaired Loans [Member] | Measurement Input, Discount Rate | Minimum [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	4.00%	4.00%
Impaired Loans [Member] | Measurement Input, Discount Rate | Maximum [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	6.00%	6.00%
Impaired Loans [Member] | Measurement Input, Cost to Sell
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements		12.00%
Other Real Estate Owned [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Quantitative information about Level 3 Fair Value Measurements	6.00%	6.00%

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, 2020	Dec. 31, 2019
Nonfinancial Assets:
Other real estate owned, net of allowance	$ 607	$ 183
Nonrecurring [Member] | Financial Assets [Member]
Financial Assets:
Impaired loans	1,355	3,075
Nonrecurring [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance	607	183
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance	165
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Financial Assets [Member]
Financial Assets:
Impaired loans	1,355	3,075
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance	$ 442	$ 183

Fair Value Measurements (Compan

Fair Value Measurements (Company's Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financial Assets:
Securities available for sale, at fair value	$ 164,955	$ 165,003
Carrying Amount [Member]
Financial Assets:
Cash and short-term investments	79,920	33,659
Securities available for sale, at fair value	164,955	165,003
Restricted Investments	1,267	1,197
Loans, net	829,238	639,787
Bank owned life insurance	12,709	398
Accrued interest receivable	3,441	2,237
Financial Liabilities:
Deposits	1,013,098	771,544
Accrued interest payable	72	142
Fair Value [Member]
Financial Assets:
Cash and short-term investments	79,920	33,659
Securities available for sale, at fair value	164,955	165,003
Restricted Investments	1,267	1,197
Loans, net	819,691	633,476
Bank owned life insurance	12,709	398
Accrued interest receivable	3,441	2,237
Financial Liabilities:
Deposits	1,013,600	772,111
Accrued interest payable	72	142
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Financial Assets:
Cash and short-term investments	79,920	33,659
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets:
Securities available for sale, at fair value	164,955	165,003
Restricted Investments	1,267	1,197
Bank owned life insurance	12,709	398
Accrued interest receivable	3,441	2,237
Financial Liabilities:
Deposits	1,013,600	772,111
Accrued interest payable	72	142
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets:
Loans, net	$ 819,691	$ 633,476

Change in Accumulated Other C_3

Change in Accumulated Other Comprehensive Income (Loss) (Changes To Accumulated Other Comprehensive Income (Loss) By Components) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ 1,482	$ (1,553)
Other comprehensive income (loss) before reclassifications	2,960	3,835
Reclassifications from other comprehensive income (loss)	(684)	7
Tax effect of current period changes	(479)	(807)
Total other comprehensive income	1,797	3,035
Ending balance	3,279	1,482
Unrealized Gains And Losses On Available For Sale Securities [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	1,438	(1,597)
Other comprehensive income (loss) before reclassifications	2,993	3,835
Reclassifications from other comprehensive income (loss)	(687)	7
Tax effect of current period changes	(484)	(807)
Total other comprehensive income	1,822	3,035
Ending balance	3,260	1,438
Change In Benefit Obligations And Plan Assets For The Post Retirement Benefit Plan [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	44	44
Other comprehensive income (loss) before reclassifications	(33)
Reclassifications from other comprehensive income (loss)	3
Tax effect of current period changes	5
Total other comprehensive income	(25)
Ending balance	$ 19	$ 44

Change in Accumulated Other C_4

Change in Accumulated Other Comprehensive Income (Loss) (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	$ 684	$ (7)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	144	(1)
Unrealized Gains And Losses On Available For Sale Securities [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	687	$ (7)
Change In Benefit Obligations And Plan Assets For The Post Retirement Benefit Plan [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	(3)
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, Tax	$ 1

Condensed Financial Informati_3

Condensed Financial Information - Parent Company Only (Schedule of Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets
Loans, net of allowance	$ 829,238	$ 639,787
Other assets	35,440	18,194
Total assets	1,130,152	877,320
Liabilities and Shareholders’ Equity
Total liabilities	1,025,078	780,994
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2020, 3,405,035 including 20,928 unvested restricted stock; issued and outstanding 2019, 3,430,103 including 18,488 unvested restricted stock	8,460	8,529
Surplus	10,811	11,406
Retained earnings	82,524	74,909
Accumulated other comprehensive income	3,279	1,482	$ (1,553)
Total shareholders’ equity	105,074	96,326	$ 87,599
Total liabilities and shareholders’ equity	1,130,152	877,320
Parent Company [Member]
Assets
Cash held in subsidiary bank	902	989
Loans, net of allowance	2,932	2,939
Investment in subsidiary	101,104	92,257
Other assets	136	141
Total assets	105,074	96,326
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2020, 3,405,035 including 20,928 unvested restricted stock; issued and outstanding 2019, 3,430,103 including 18,488 unvested restricted stock	8,460	8,529
Surplus	10,811	11,406
Retained earnings	82,524	74,909
Accumulated other comprehensive income	3,279	1,482
Total shareholders’ equity	105,074	96,326
Total liabilities and shareholders’ equity	$ 105,074	$ 96,326

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, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Interest and Dividend Income
Interest and fees on loans									$ 35,273	$ 31,138
Interest Expense
Income Tax Expense									2,136	1,810
Net income	$ 2,506	$ 3,406	$ 2,819	$ 2,441	$ 2,831	$ 2,231	$ 2,126	$ 2,571	11,172	9,759
Comprehensive income									12,969	12,794
Parent Company [Member]
Interest and Dividend Income
Dividends from subsidiary bank									4,250	5,000
Interest and fees on loans									133	134
Total income									4,383	5,134
Interest Expense
Other operating expenses									295	457
Total expenses									295	457
Income before income tax (benefit) and equity in undistributed earnings of subsidiary bank									4,088	4,677
Income Tax Expense									(34)	(70)
Income before equity in undistributed earnings of subsidiary bank									4,122	4,747
Equity in Undistributed Net Income of Subsidiary Bank									7,050	5,012
Net income									11,172	9,759
Comprehensive income									$ 12,969	$ 12,794

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, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities
Net income	$ 2,506	$ 3,406	$ 2,819	$ 2,441	$ 2,831	$ 2,231	$ 2,126	$ 2,571	$ 11,172	$ 9,759
Changes in assets and liabilities:
(Increase) in other assets									(1,397)	(942)
Net cash provided by operating activities									11,006	11,348
Cash Flows from Investing Activities
Net (increase) in loans									(191,411)	(40,211)
Net cash (used in) investing activities									(201,474)	(57,982)
Cash Flows from Financing Activities
Cash dividends paid									(3,198)	(2,996)
Issuance of common stock, employee benefit plan									227	138
Retirement of common stock									(1,854)	(1,771)
Net cash provided by financing activities									236,729	61,940
Parent Company [Member]
Cash Flows from Operating Activities
Net income									11,172	9,759
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation expense									604	562
Undistributed earnings of subsidiary bank									(7,050)	(5,012)
Changes in assets and liabilities:
(Increase) in other assets									5	(50)
Net cash provided by operating activities									4,731	5,259
Cash Flows from Investing Activities
Net (increase) in loans									7	(43)
Net cash (used in) investing activities									7	(43)
Cash Flows from Financing Activities
Cash dividends paid									(3,198)	(2,996)
Issuance of common stock, employee benefit plan									227	138
Retirement of common stock									(1,854)	(1,771)
Net cash provided by financing activities									(4,825)	(4,629)
(Decrease) increase in cash									(87)	587
Cash and Cash Equivalents
Beginning				$ 989				$ 402	989	402
Ending	$ 902				$ 989				$ 902	$ 989

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, 2020	Dec. 31, 2019
Real Estate [Abstract]
Balance, beginning	$ 183	$ 106
Net loans transferred to OREO	441	1,151
Gain on foreclosure	166	192
Sales	(183)	(1,266)
Balance, ending	$ 607	$ 183

Other Real Estate Owned Major C

Other Real Estate Owned Major Classifications of Other Real Estate Owned (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Real Estate Properties [Line Items]
Other real estate, gross	$ 607	$ 183
Total	607	183	$ 106
Residential Real Estate
Real Estate Properties [Line Items]
Other real estate, gross	165	$ 183
Commercial Real Estate
Real Estate Properties [Line Items]
Other real estate, gross	$ 442

Other Real Estate Owned Narrati

Other Real Estate Owned Narrative (Details) $ in Thousands	Dec. 31, 2020USD ($)contract	Dec. 31, 2019USD ($)contract
Receivables [Abstract]
Mortgage Loans In Process Of Foreclosure Number | contract	1	2
Mortgage Loans in Process of Foreclosure, Amount | $	$ 68	$ 334

Qualified Affordable Housing _2

Qualified Affordable Housing Project Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Federal Home Loan Banks [Abstract]
Amortization Method Qualified Affordable Housing Project Investments	$ 2,800	$ 3,000
Qualified Affordable Housing Project Investments, Commitment	446	798
Amortization Method Qualified Affordable Housing Project Investments, Amortization	229	229
Affordable Housing Tax Credits and Other Tax Benefits Expected to Be Received	337
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 324	$ 415