Eagle Financial Services (EFSI) 10-K 30 Mar 22 2021 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 18, 2022	Jun. 30, 2021
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, 2021
Document Fiscal Year Focus	2021
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		3,478,772
Entity Public Float			$ 101,929,087
ICFR Auditor Attestation Flag	false
Documents Incorporated by Reference	Portions of the registrant’s Proxy Statement for the 2022 Annual Meeting of Shareholders are incorporated by reference into Part III.
Auditor Firm ID	613
Auditor Name	Yount, Hyde & Barbour
Auditor Location	Winchester, Virginia

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 14,536	$ 12,644
Interest-bearing deposits with other institutions	49,304	67,054
Federal funds sold	228	222
Total cash and cash equivalents	64,068	79,920
Securities available for sale, at fair value	192,321	164,955
Restricted investments	1,049	1,267
Loans held for sale	876
Loans	985,720	836,334
Allowance for loan losses	(8,787)	(7,096)
Net Loans	976,933	829,238
Bank premises and equipment, net	18,249	18,725
Other real estate owned, net of allowance		607
Bank owned life insurance	23,236	12,709
Other assets	26,306	22,731
Total assets	1,303,038	1,130,152
Deposits:
Noninterest bearing demand deposits	470,355	407,576
Savings and interest bearing demand deposits	583,296	476,864
Time deposits	123,584	128,658
Total deposits	1,177,235	1,013,098
Other liabilities	15,523	11,980
Total liabilities	1,192,758	1,025,078
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 2021, 3,454,128 including 31,738 unvested restricted stock; issued and outstanding 2020, 3,405,035 including 20,928 unvested restricted stock	8,556	8,460
Surplus	12,115	10,811
Retained earnings	89,764	82,524
Accumulated other comprehensive (loss) income	(155)	3,279
Total shareholders’ equity	110,280	105,074
Total liabilities and shareholders’ equity	$ 1,303,038	$ 1,130,152

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
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	3,454,128	3,405,035
Common stock, shares, outstanding	3,454,128	3,405,035
Common stock, unvested restricted shares	31,738	20,928

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Interest and Dividend Income
Interest and fees on loans	$ 39,871	$ 35,273
Interest and dividends on securities:
Taxable interest income	2,272	2,858
Interest income exempt from federal income taxes	419	588
Dividends	45	76
Interest on deposits in banks	69	112
Interest on federal funds sold		1
Total interest and dividend income	42,676	38,908
Interest Expense
Interest on deposits	1,677	3,256
Interest on Federal Home Loan Bank advances		25
Total interest expense	1,677	3,281
Net interest income	40,999	35,627
Provision For Loan Losses	1,483	1,457
Net interest income after provision for loan losses	39,516	34,170
Noninterest Income
Income from fiduciary activities	1,891	1,398
Service charges on deposit accounts	1,087	920
Other service charges and fees	5,252	4,757
Gain on the sale and disposal of bank premises and equipment		5
Gain on sale of securities	24	687
Gain on sale of loans	1,658
Bank owned life insurance income	527	310
Other operating income	881	502
Total noninterest income	11,320	8,579
Noninterest Expenses
Salaries and employee benefits	21,854	18,074
Occupancy expenses	1,803	1,592
Equipment expenses	959	988
Advertising and marketing expenses	659	707
Stationery and supplies	155	144
ATM network fees	1,135	1,009
Other real estate owned expense	41	9
Loss (gain) on other real estate owned	201	(143)
FDIC assessment	606	221
Computer software expense	996	679
Bank franchise tax	781	705
Professional fees	3,760	1,120
Data processing fees	1,541	1,657
Other operating expenses	3,558	2,679
Total noninterest expenses	38,049	29,441
Income before income taxes	12,787	13,308
Income Tax Expense	1,766	2,136
Net income	$ 11,021	$ 11,172
Earnings Per Share
Net income per common share, basic	$ 3.20	$ 3.27
Net income per common share, diluted	$ 3.20	$ 3.27

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Statement Of Income And Comprehensive Income [Abstract]
Net income	$ 11,021	$ 11,172
Other comprehensive income (loss):
Changes in benefit obligations and plan assets for post retirement benefit plans, net of reclassification adjustments, net of deferred income tax of $0 and ($5) for the years ended December 31, 2021 and 2020, respectively		(25)
Unrealized gain (loss) on available for sale securities, net of reclassification adjustments, net of deferred income tax of ($912) and $484 for the years ended December 31, 2021 and 2020, respectively	(3,434)	1,822
Total other comprehensive income (loss)	(3,434)	1,797
Total comprehensive income	$ 7,587	$ 12,969

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Statement Of Income And Comprehensive Income [Abstract]
Changes in benefit obligations and plan assets for defined benefit and postretirement benefit plans, deferred income taxes	$ 0	$ (5)
Unrealized gain (loss) on available for sale securities, deferred income tax	$ (912)	$ 484

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, 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
Net income	11,021			11,021
Other comprehensive income (loss)	(3,434)				(3,434)
Restricted stock awards, stock incentive plan		53	(53)
Stock-based compensation expense	850		850
Issuance of common stock, dividend investment plan	520	41	479
Issuance of common stock, employee benefit plan	179	14	165
Retirement of common stock	(149)	(12)	(137)
Dividends declared	(3,781)			(3,781)
Balance at Dec. 31, 2021	$ 110,280	$ 8,556	$ 12,115	$ 89,764	$ (155)

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Statement Of Stockholders Equity [Abstract]
Issuance of restricted stock, stock incentive plan, shares	21,261	19,238
Issuance of common stock, dividend investment plan, shares	16,194	13,239
Issuance of common stock, employee benefit plan, shares	5,577	7,204
Retirement of common stock, shares	4,749	67,189
Dividends declared, per share	$ 1.10	$ 1.04

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cash Flows from Operating Activities
Net income	$ 11,021	$ 11,172
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	996	1,028
Amortization of other assets	672	411
Provision For Loan Losses	1,483	1,457
Origination of loans held for sale	(19,015)
Proceeds from sale of loans held for sale	18,775
Net (gains) on sales of loans	(1,658)
Loss (gain) on other real estate owned	201	(143)
(Gain) on the sale and disposal of premises and equipment		(5)
Loss on the sale of repossessed assets		5
(Gain) on the sale of securities	(24)	(687)
Stock-based compensation expense	850	604
Premium amortization on securities, net	1,239	801
Bank owned life insurance (income)	(527)	(310)
Deferred tax (benefit)	(1,437)	(471)
Changes in assets and liabilities:
Decrease (increase) in other assets	6	(1,397)
Increase (decrease) in other liabilities	1,639	(1,459)
Net cash provided by operating activities	14,221	11,006
Cash Flows from Investing Activities
Proceeds from maturities, calls, and principal payments of securities available for sale	52,012	52,360
Proceeds from the sale of securities available for sale	15,885	28,323
Purchases of securities available for sale	(100,824)	(78,443)
Proceeds from the sale of restricted investments	222	2,125
Purchase of restricted investments	(4)	(2,195)
Proceeds for the sale of bank premises and equipment		5
Purchases of bank premises and equipment	(520)	(456)
Proceeds from the sale of other real estate owned	672	160
Proceeds from the sale of repossessed assets		58
Purchase of bank-owned life insurance	(10,000)	(12,000)
Proceeds from sales of loans	100,176
Net (increase) in loans	(248,598)	(191,411)
Net cash (used in) investing activities	(190,979)	(201,474)
Cash Flows from Financing Activities
Net increase in demand deposits, money market and savings accounts	169,211	251,094
Net (decrease) in certificates of deposit	(5,074)	(9,540)
Issuance of common stock, employee benefit plan	179	227
Retirement of common stock	(149)	(1,854)
Cash dividends paid	(3,261)	(3,198)
Net cash provided by financing activities	160,906	236,729
(Decrease) increase in cash and cash equivalents	(15,852)	46,261
Cash and Cash Equivalents
Beginning	79,920	33,659
Ending	64,068	79,920
Supplemental Disclosures of Cash Flow Information
Interest	1,682	3,351
Income taxes	2,816	2,618
Supplemental Schedule of Noncash Investing and Financing Activities:
Unrealized (loss) gain on securities available for sale	(4,346)	2,306
Minimum postretirement liability adjustment		(30)
Other real estate and repossessed assets acquired in settlement of loans	266	503
Issuance of common stock, dividend investment plan	520	359
Lease liabilities arising from right-of-use assets	$ 1,404	$ 549

Nature of Banking Activities an

Nature of Banking Activities and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
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 Held for Sale Mortgage loans originated with the intent to sell in the secondary market are classified as loans held for sale and carried at the lower of cost or fair value as determined by commitments from investors. Mortgage loans that are sold in the secondary market are sold servicing released. The Company may also classify other loans as loans held for sale as part of its ongoing portfolio management strategies. Such other loans are generally not originated with the intent to sell. Once a decision is made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of cost or fair value. In 2021, the Company sold non-mortgage loans totaling approximately $100 million in 2021 as part of its portfolio management strategies. that were previously classified as held for investment. Gains and losses on sales of loans are recorded based on the differential between the sales proceeds and carrying value of the underlying loans. Loans The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke, Frederick, Loudoun and Fairfax, Virginia as well as the Towns of Leesburg and Purcellville and the Cities of Winchester and Frederick, Maryland. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan fees collected and certain costs incurred related to loan originations are deferred and amortized as an adjustment to interest income over the life of the related loans. Deferred fees and costs are recorded as an adjustment to interest income using a method that approximates a constant yield. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 120 and 90 days delinquent, respectively, unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Troubled Debt Restructurings (TDR) In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a TDR. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on non-accrual status at the time of the TDR, the loan will remain on non-accrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status as noted above. Risks by Loan Portfolio Segments One-to-Four-Family Residential Real Estate Lending Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee. Commercial Real Estate Lending Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. Construction and Land Development Lending There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home. Commercial and Industrial Lending Commercial business loans generally have more risk than residential mortgage loans,but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as accounts receivable, equipment, inventory and boats. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate. Consumer Lending Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. A portion of the Company’s consumer loans are also secured by boats. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation. Marine Lending The Bank’s marine lending unit, which includes originated retail loans, which are classified as commercial and industrial loans or consumer loans depending on borrower, and dealer floorplan loans, which are classified as commercial and industrial loans. The Company’s relationships are limited to well established dealers of global premium brand manufacturers. The Company’s top three manufacturer customers have been in business between 30 and 100 years. The Company primarily has secured agreements with premium manufacturers to support dealer floor plan loans which reduces the Company’s credit exposure to the dealer, despite its underwriting of each respective dealer. The Company has developed incentive retail pricing programs with the dealers to drive retail dealer flow. In addition to the repurchase agreements associated with floor plan lending, manufacturers will often support secondary resale values which can have the effect of reducing losses from non-performing retail marine loans. Retail borrowers generally have very high credit scores, substantial down payments, substantial net worth, personal liquidity, and excess cash flow. Paycheck Protection Program Loans In both 2021 and 2020, the Company participated in the Paycheck Protection Program (PPP). The PPP commenced subsequent to the passage of the Coronavirus Aid, Relief and Economic Security("CARES") Act in March 2020 and was later expanded and extended by other legislation. 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, 2021, the Company had 152 PPP loans with outstanding balances totaling $15.9. million. 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. Our outstanding PPP loans were included in the commercial and industrial segment at December 31, 2021 and 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. Maintenance and repairs of property and equipment are charged to operations and major improvements are capitalized. Upon retirement, sale or other disposition of property and equipment, the cost and accumulated depreciation balances are cleared the differential between the proceeds, if any, and the carrying value is recorded as a gain or loss in the Company's results of operations. Leases The Company accounts for its leasing arrangements in accordance with ASC 842 "Leases". Refer to Note 13 for further discussion of the Company's accounting for its leasing arrangements. Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the fair value of the property, less estimated selling costs at the date of foreclosure. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less estimated cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in the (gain) loss on other real estate owned line item in the consolidated statements of income. Bank Owned Life Insurance The Company has purchased life insurance on certain key individuals. Bank owned life insurance is recorded at the amount that may be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or amounts due that are probable at settlement. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Loan Swaps The Company enters into interest rate swaps with certain qualifying commercial loan customers to meet their interest rate risk management needs. The Company simultaneously enters into interest rate swaps with dealer counterparties, with identical notional amounts and offsetting terms. The net result of these interest rate swaps is that the customer pays a fixed rate of interest and the Company receives a floating rate. These back-to-back loan swaps are derivative financial instruments and are reported at fair value in “other assets” and “other liabilities” in the Consolidated Balance Sheets. Changes in the fair value of loan swaps are recorded in other noninterest income and sum to zero because of the offsetting terms of swaps with borrowers and swaps with dealer counterparties. Retirement Plans The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 11. Stock-Based Compensation Plan During 2014, the Company’s shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as adopted, authorized the issuance of up to 500,000 shares of common stock. This plan is discussed more fully in Note 10. Income Taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is “more likely than not” that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the “more likely than not” recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions. Advertising The Company follows the policy of charging the costs of advertising to expense as incurred. Reclassifications Certain reclassifications have been made to the 2020 financial statements to conform to reporting for 2021. 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, 2021 2020 Average number of common shares outstanding 3,440,080 3,417,543 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,440,080 3,417,543 There were no potentially dilutive securities outstanding in 2021 or 2020. 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. COVID-19 Pandemic Since March 2020, COVID-19 has impacted the Company's communities, customers, and operations. The ultimate extent of the pandemic's impact on our business is inherently uncertain and dependent on future developments. Accordingly, estimates used in the preparation of the Company's financial statements may be subject to adjustment in future periods based on the ultimate course of the pandemic, which may be exacerbated by additional variants and a resurgence of its severity. Stock Repurchase Program On June 16, 2021, the Corporation renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2022. During 2021, the Company purchased 4,749 shares of its Common Stock under its stock repurchase program at an average price of $31.26. During 2020, the Company purchased 67,189 shares of its Common Stock under its stock repurchase program at an average price of $27.60. The maximum number of shares that may yet be purchased under the June 2021 plan as of December 31, 2021 are 148,825. 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 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 e

Securities

Securities	12 Months Ended
	Dec. 31, 2021
Available For Sale Securities [Abstract]
Securities	NOTE 2. Securities Amortized costs and fair values of securities available for sale at December 31, 2021 and 2020 were as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value December 31, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 14,541 $ 417 $ (37 ) $ 14,921 U.S. treasury notes 2,003 — — 2,003 Mortgage-backed securities 152,391 753 (2,132 ) 151,012 Obligations of states and political subdivisions 21,104 773 — 21,877 Subordinated debt 2,500 11 (3 ) 2,508 $ 192,539 $ 1,954 $ (2,172 ) $ 192,321 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 Carrying amounts of restricted securities at December 31, 2021 and 2020 were as follows: December 31, 2021 December 31, 2020 (in thousands) Federal Reserve Bank Stock $ 344 $ 344 Federal Home Loan Bank Stock 565 783 Community Bankers’ Bank Stock 140 140 $ 1,049 $ 1,267 The amortized cost and fair value of securities available for sale at December 31, 2021, 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 $ 3,819 $ 3,842 Due after one year through five years 9,079 9,236 Due after five years through ten years 38,138 38,958 Due after ten years 141,503 140,285 $ 192,539 $ 192,321 During the twelve months ended December 31, 2021, the Company sold $15.9 million in available for sale securities with gross gains of $143 thousand and gross losses of $119. 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 . 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, 2021 and 2020 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, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 2,616 $ 37 $ — $ — $ 2,616 $ 37 Mortgage-backed securities 101,080 1,214 29,555 918 130,635 2,132 Subordinated debt 247 3 — — 247 3 $ 103,943 $ 1,254 $ 29,555 $ 918 $ 133,498 $ 2,172 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 Gross unrealized losses on available for sale securities included forty one (41) and three (3) debt securities at December 31, 2021 and December 31, 2020, 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, 2021 and December 31, 2020 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 $8.5 million at December 31, 2021 were pledged as security for trust accounts.

Loans

Loans	12 Months Ended
	Dec. 31, 2021
Loans And Leases Receivable Disclosure [Abstract]
Loans	NOTE 3. Loans The composition of loans at December 31, 2021 and 2020 was as follows: December 31, 2021 2020 (in thousands) Mortgage loans on real estate: Construction and land development $ 71,191 $ 42,544 Secured by farmland 13,710 15,846 Secured by 1-4 family residential properties 263,723 248,246 Multifamily 29,093 21,496 Commercial 377,051 334,661 Commercial and industrial loans 143,378 140,762 Consumer installment loans 67,281 21,321 All other loans 16,798 10,773 Total loans $ 982,225 $ 835,649 Net deferred loan costs and premiums 3,495 685 Allowance for loan losses (8,787 ) (7,096 ) $ 976,933 $ 829,238

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Allowance for Loan Losses	NOTE 4. Allowance for Loan Losses Changes in the allowance for loan losses for the years ended December 31, 2021 and 2020 were as follows: December 31, 2021 2020 (in thousands) Balance, beginning $ 7,096 $ 4,973 Provision charged to operating expense 1,483 1,457 Recoveries added to the allowance 318 1,131 Loan losses charged to the allowance (110 ) (465 ) Balance, ending $ 8,787 $ 7,096 Nonaccrual and past due loans by class at December 31, 2021 and December 31, 2020 were as follows: December 31, 2021 (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 $ 8 $ 7 $ — $ 15 $ 143,363 $ 143,378 $ — $ — Commercial Real Estate: Owner Occupied — — — — 188,839 188,839 — 124 Non-owner occupied 146 — 130 276 187,936 188,212 — 1,547 Construction and Farmland: Residential — — — — 10,077 10,077 — — Commercial — 126 108 234 74,590 74,824 — 234 Consumer: Installment 6 — — 6 67,275 67,281 — 3 Residential: Equity Lines 13 — — 13 35,849 35,862 — 29 Single family 409 238 434 1,081 226,780 227,861 43 786 Multifamily — — — — 29,093 29,093 — — All Other Loans — — — — 16,798 16,798 — — Total $ 582 $ 371 $ 672 $ 1,625 $ 980,600 $ 982,225 $ 43 $ 2,723 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 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 Allowance for loan losses by segment as of and for the years ended December 31, 2021 and December 31, 2020 were as follows: December 31, 2021 (in thousands) Construction and Farmland Residential Real Estate Commercial Real Estate Commercial Consumer All Other Loans Unallocated Total Allowance for credit losses: Beginning Balance $ 1,604 $ 1,929 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,096 Charge-Offs — (13 ) — (10 ) (19 ) (68 ) — (110 ) Recoveries 12 240 7 18 29 12 — 318 Provision 1,178 (406 ) (2 ) 274 438 1 — 1,483 Ending balance $ 2,794 $ 1,750 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,787 Ending balance: Individually evaluated for impairment $ — $ 39 $ — $ — $ — $ — $ — $ 39 Ending balance: collectively evaluated for impairment $ 2,794 $ 1,711 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,748 Loans: Ending balance $ 84,901 $ 292,816 $ 377,051 $ 143,378 $ 67,281 $ 16,798 $ — $ 982,225 Ending balance individually evaluated for impairment $ 257 $ 2,778 $ 2,295 $ 108 $ 16 $ — $ — $ 5,454 Ending balance collectively evaluated for impairment $ 84,644 $ 290,038 $ 374,756 $ 143,270 $ 67,265 $ 16,798 $ — $ 976,771 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 Impaired loans by class at December 31, 2021 and December 31, 2020 were as follows: As of December 31, 2021 (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 $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate: Owner Occupied 148 124 — 142 — Non-owner occupied 2,539 2,177 — 2,186 — Construction and Farmland: Residential — — — — — Commercial 271 257 — 267 9 Consumer: Installment 17 16 — 19 1 Residential Equity lines 35 29 — 32 — Single family 2,088 1,974 — 2,012 62 Multifamily — — — — — Other Loans — — — — — $ 5,241 $ 4,686 $ — $ 4,824 $ 83 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 811 787 39 802 30 Multifamily — — — — — Other Loans — — — — — $ 811 $ 787 $ 39 $ 802 $ 30 Total: Commercial $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate 2,687 2,301 — 2,328 — Construction and Farmland 271 257 — 267 9 Consumer 17 16 — 19 1 Residential 2,934 2,790 39 2,846 92 Other — — — — — Total $ 6,052 $ 5,473 $ 39 $ 5,626 $ 113 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. 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. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost-recovery method. For financial statement purposes, the recorded investment in nonaccrual loans is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash-basis method. The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows: Pass Pass loans exhibit acceptable history of profits, cash flow ability and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner. Special mention Special mention loans exhibit negative trends and potential weakness that, if left uncorrected, may negatively affect the borrower’s ability to repay its obligations. The risk of default is not imminent and the borrower still demonstrates sufficient financial strength to service debt. Substandard Substandard loans exhibit well defined weaknesses resulting in a higher probability of default. The borrowers exhibit adverse financial trends and a diminishing ability or willingness to service debt. Doubtful Doubtful loans exhibit all of the characteristics inherent in substandard loans; however given the severity of weaknesses, the collection of 100% of the principal is unlikely under current conditions. Loss Loss loans are considered uncollectible over a reasonable period of time and of such little value that its continuance as a bankable asset is not warranted. Credit quality information by class at December 31, 2021 and December 31, 2020 was as follows: As of December 31, 2021 (in thousands) INTERNAL RISK RATING GRADES Pass Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 143,197 $ 176 $ 5 $ — $ — $ 143,378 Commercial Real Estate: Owner Occupied 185,978 2,703 158 — — 188,839 Non-owner occupied 180,830 4,819 2,563 — — 188,212 Construction and Farmland: Residential 10,077 — — — — 10,077 Commercial 59,318 15,198 308 — — 74,824 Residential: Equity Lines 35,832 — 30 — — 35,862 Single family 224,510 1,601 1,633 117 — 227,861 Multifamily 26,952 2,141 — — — 29,093 All other loans 16,798 — — — — 16,798 Total $ 883,492 $ 26,638 $ 4,697 $ 117 $ — $ 914,944 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 67,275 $ 6 As of December 31, 2020 (in thousands) INTERNAL RISK RATING GRADES Pass Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 140,316 $ 439 $ 7 $ — $ — $ 140,762 Commercial Real Estate: Owner Occupied 158,766 5,929 1,226 — — 165,921 Non-owner occupied 143,364 22,555 2,821 — — 168,740 Construction and Farm land: Residential 10,644 — — — — 10,644 Commercial 44,581 3,004 161 — — 47,746 Residential: Equity Lines 31,211 — 36 5 — 31,252 Single family 210,218 3,594 3,053 129 — 216,994 Multifamily 19,623 1,873 — — — 21,496 All other loans 8,438 2,335 — — — 10,773 Total $ 767,161 $ 39,729 $ 7,304 $ 134 $ — $ 814,328 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 21,316 $ 5

Troubled Debt Restructurings

Troubled Debt Restructurings	12 Months Ended
	Dec. 31, 2021
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 $2.7 million at December 31, 2021. At December 31, 2020, there were seventeen (17) troubled debt restructured loans totaling $3.3 million. Two loans, totaling $149 thousand, were in nonaccrual status at December 31, 2021. Three loans, totaling $796 thousand, were in nonaccrual status at December 31, 2020. There were no outstanding commitments to lend additional amounts to troubled debt restructured borrowers at December 31, 2021 or December 31, 2020. During the year ended December 31, 2020, the Company approved 255 deferrals of interest and/or principal payments with respect to loan balances totaling approximately $130.5 million at December 31, 2020 for its customers experiencing hardships related to COVID-19. During the first quarter of 2021, the Company approved two additional deferrals of interest and/or principal with respect to loan balances totaling $41 thousand. No additional deferrals have been made since the first quarter of 2021. These deferrals were no more than six months in duration and were for loans not more than 30 days past due as of December 31, 2019. As such, they were not considered troubled debt restructurings based on the relief provisions of the Coronavirus Aid, Relief and Economic Security ("CARES") Act (extended by the Consolidated Appropriations Act) and interagency regulatory guidance. As of December 31, 2021, all of the loans for which the Company had approved deferrals had begun making payments on their loans after the deferral date had passed. The following tables set forth information on the Company’s troubled debt restructurings by class of loans occurring during the years ended December 31, 2021 and 2020: Twelve Months Ended December 31, 2021 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer: Installment 2 $ 15 $ 15 Residential Single family 1 98 98 Total 3 $ 113 $ 113 Twelve Months Ended December 31, 2020 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial - Non 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 During the twelve months ended December 31, 2021, the Company restructured three loans by granting a concession to the borrowers experiencing financial difficulty. The Company restructured two consumer installment loans and one residential single-family loan. The Company restructured one single-family residential loan by granting a lower interest rate and extending the loan term. The Company restructured two consumer installment loans by granting a refinance to extended the term of the loans, where one consumer installment loan was granted a lower interest rate. 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 There were no TDRs occurring within the previous 12 months for which there was a payment default during the twelve months ended December 31, 2021 and 2020. 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, 2021
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, 2021 and 2020 were as follows: December 31, 2021 2020 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 18,561 18,498 Furniture and equipment 8,815 8,358 $ 34,020 $ 33,500 Less accumulated depreciation 15,771 14,775 Bank premises and equipment, net $ 18,249 $ 18,725 Depreciation expense on buildings and improvements was $482 thousand and $500 thousand for the years ended 2021 and 2020, respectively. Depreciation expense on furniture and equipment was $514 thousand and $527 thousand for the years ended 2021 and 2020, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	NOTE 7. Deposits The composition of deposits at December 31, 2021 and December 31, 2020 was as follows: December 31, 2021 December 31, 2020 (in thousands) Noninterest bearing demand deposits $ 470,355 $ 407,576 Savings and interest bearing demand deposits: NOW accounts $ 162,690 $ 132,249 Money market accounts 251,862 207,837 Regular savings accounts 168,744 136,778 $ 583,296 $ 476,864 Time deposits: Balances of less than $250,000 $ 58,427 $ 59,621 Balances of $250,000 or greater 65,157 69,037 $ 123,584 $ 128,658 $ 1,177,235 $ 1,013,098 Money market accounts include $42.2 million and $34.6 million in reciprocal deposits at December 31, 2021 and 2020, respectively. The outstanding balance of time deposits at December 31, 2021 was due as follows: December 31, 2021 (in thousands) 2022 $ 107,507 2023 6,307 2024 2,449 2025 1,534 2026 5,780 Thereafter 7 $ 123,584 Deposit overdrafts reclassified as loans totaled $231 thousand and $70 thousand at December 31, 2021 and 2020, respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: December 31, 2021 2020 (dollars in thousands) Balance at year-end — — Average balance during the year 1 1 Average interest rate during the year 0.66 % 0.61 % Maximum month-end balance during the year $ — $ — Gross lines of credit at year-end 78,000 28,000 Unused lines of credit at year-end 78,000 28,000 As of December 31, 2021, Company had remaining credit availability in the amount of $244.3 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 outstanding borrowings with the FHLB at December 31, 2021 or December 31, 2020. The Company had a $60.0 million irrevocable letter of credit at December 31, 2021 with the FHLB to secure public deposits.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
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 2018. The net deferred tax asset at December 31, 2021 and 2020 consisted of the following components: December 31, 2021 2020 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,845 $ 1,490 Share-based compensation 136 95 Accrued postretirement benefits 21 21 Home equity origination costs 67 50 Nonaccrual interest 65 76 Lease liabilities 1,110 864 Credit carryforward 973 — Securities available for sale 46 — Other 27 29 $ 4,290 $ 2,625 Deferred tax liabilities: Property and equipment $ 659 $ 713 Right-of-use assets 1,079 843 Securities available for sale — 867 $ 1,738 $ 2,423 Net deferred tax asset $ 2,552 $ 202 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, 2021 and 2020 consisted of the following components: December 31, 2021 2020 (in thousands) Current tax expense $ 3,203 $ 2,607 Deferred tax (benefit) (1,437 ) (471 ) $ 1,766 $ 2,136 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, 2021 and 2020. December 31, 2021 2020 (in thousands) Statutory federal corporate tax amount $ 2,685 $ 2,795 Tax-exempt interest (income) (135 ) (193 ) Officer insurance (income) (102 ) (57 ) Net tax credits (686 ) (439 ) Other, net 4 30 $ 1,766 $ 2,136 The effective tax rates were 13.81% and 16.05% for years ended December 31, 2021 and 2020, 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, 2021
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 2021, 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, 2021 and 2020: Twelve Months Ended December 31, 2021 2020 Shares Weighted Average Grant Date Fair Value Shares Weighted Average Grant Date Fair Value Nonvested, beginning of period 20,928 $ 29.98 18,488 $ 30.39 Granted 32,496 31.16 22,128 28.82 Vested (21,261 ) 30.70 (19,238 ) 29.01 Forfeited (425 ) 31.05 (450 ) 31.03 Nonvested, end of period 31,738 $ 30.70 20,928 $ 29.98 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 $850 thousand and $604 thousand during December 31, 2021 and 2020, respectively. The total grant date fair value of Restricted Stock which vested was $653 thousand and $558 thousand for the years ended December 31, 2021 and 2020, respectively. The total vest date fair value of Restricted Stock which vested was $690 thousand and $561 thousand for the years ended December 31, 2021 and 2020, respectively. Unrecognized compensation cost related to unvested Restricted Stock was $336 thousand at December 31, 2021. This amount is expected to be recognized over a weighted average period of two years. The Company's policy is to recognize forfeitures as they occur.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2021
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 2021 and 2020. 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 2021 and $1.5 million in 2020. 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 $15 thousand and $23 thousand at December 31, 2021 and 2020, respectively. The executive supplemental income benefit expense, based on the present value of the retirement benefits, was $29 thousand in 2021 and $29 thousand in 2020. 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, 2021
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 may be 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 a reduction of 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, 2021. 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, 2021 and 2020. See Note 18 with respect to financial instruments with off-balance-sheet risk.

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	NOTE 13. Leases The Company leases certain office properties and equipment used in its operations in the normal course of business. Leases greater than 12 months in duration are recorded in the consolidated balance sheets at the lease commencement date and are classified as either operating or finance leases based on the Company's assessment of the underlying agreement. During the last quarter of 2021, the Company entered into a long-term lease agreement for a branch office in Warrenton, Virginia. The commencement of this lease resulted in the initial recognition of a right-of-use asset and lease liability of $1.3 million. Lease liabilities represent the Company’s obligation to make lease payments and are presented at each reporting date as the net present value of the remaining contractual cash flows. Cash flows are discounted at the Company’s incremental borrowing rate in effect at the commencement date of the lease. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. The Company’s four long-term lease agreements for office properties are all classified as operating leases. These leases offer the option to extend the lease term and the Company has included such extensions in its calculation of the lease liability to the extent the options are reasonably certain of being exercised. These lease agreements do not provide for residual value guarantees and have no restrictions or covenants that would impact dividends or require incurring additional financial obligations. Right-of-use assets and leases liabilities are included in other assets and other liabilities, respectively, in the Consolidated Balance Sheets. The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2021 December 31, 2020 Lease liability $ 5,289 $ 4,113 Right-of-use asset $ 5,139 $ 4,014 Weighted average remaining lease term 15 years 17 years Weighted average discount term 2.99 % 3.34 % Twelve Months Ended Lease Cost December 31, 2021 December 31, 2020 Operating lease cost $ 376 $ 287 Variable lease cost — — Short-term lease cost 19 16 Total lease cost $ 395 $ 303 Cash paid for amounts included in the measurement of lease liabilities $ 314 $ 239 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, 2021 Twelve months ending December 31, 2022 $ 455 Twelve months ending December 31, 2023 473 Twelve months ending December 31, 2024 480 Twelve months ending December 31, 2025 504 Twelve months ending December 31, 2026 397 Thereafter 4,540 Total undiscounted cash flows $ 6,849 Discount (1,560 ) Lease liability $ 5,289

Transactions with Directors and

Transactions with Directors and Officers	12 Months Ended
	Dec. 31, 2021
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 $5.1 million at December 31, 2021 and 2020, respectively. These balances reflect total principal additions of $1.3 million and total principal payments of $963 thousand, during 2021. The reduction in the prior year balance was due to a change in composition of related parties. The aggregate balance of deposits from directors, principal officers and their related parties was $13.9 million and $16.6 million at December 31, 2021 and 2020, respectively.

Capital Requirements

Capital Requirements	12 Months Ended
	Dec. 31, 2021
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. 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). In conjunction with the minimum capital requirements, the Bank is required to maintain a capital conservation buffer which is intended to absorb losses during periods of financial and economic stress. Failure to maintain the minimum ratios, inclusive of the buffer, will result in restrictions on capital distributions and other payments. This buffer was 2.5% for all periods presented and is applicable for all ratios with the exception of the tier 1 leverage ratio. The Bank's institution specific capital conservation buffer at December 31, 2021 was 3.30%. Management believes the Bank met all capital adequacy requirements to which it was subject at December 31, 2021 and 2020. At December 31, 2021, 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, 2021 and 2020: 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, 2021 Common Equity Tier 1 Capital to Risk Weighted Assets $ 107,570 10.44 % $ 46,362 4.50 % $ 66,967 6.50 % Total Capital to Risk Weighted Assets 116,420 11.30 % 82,421 8.00 % 103,026 10.00 % Tier 1 Capital to Risk Weighted Assets 107,570 10.44 % 61,816 6.00 % 82,421 8.00 % Tier 1 Capital to Average Assets 107,570 8.84 % 48,654 4.00 % 60,817 5.00 % 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 %

Restrictions On Dividends, Loan

Restrictions On Dividends, Loans, and Advances	12 Months Ended
	Dec. 31, 2021
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, 2021, the Bank’s retained earnings available for the payment of dividends to the Company was $21.8 million. Accordingly, $85.6 million of the Company’s equity in the net assets of the Bank was restricted at December 31, 2021. Funds available for loans or advances by the Bank to the Company amounted to $11.6 million at December 31, 2021.

Dividend Investment Plan

Dividend Investment Plan	12 Months Ended
	Dec. 31, 2021
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, 2021
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, 2021 and 2020, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2021 December 31, 2020 (dollars in thousands) Commitments to extend credit $ 21,886 $ 27,558 Unfunded commitments under lines of credit 171,406 146,202 Commercial and standby letters of credit 10,397 8,139 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, 2021, $10.2 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, 2021 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $7.6 million.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 consisted of the following: December 31, 2021 December 31, 2020 (dollar in thousands) Noninterest income: Income from fiduciary activities(1): Trust asset management fees $ 1,891 $ 1,398 Service charges on deposit accounts(1): Overdrawn account fees 853 695 Monthly and other service charges 234 225 Other service charges and fees: Interchange fees (1) 227 372 ATM fees (1) 3,014 2,578 Brokerage commissions (1) 1,164 916 Secondary market fees 236 431 Other charges and fees (2) 611 460 Gain (loss) on the sale and disposal of bank premises and equipment (1) — 5 Gain (loss) on sale of securities 24 687 Gain on sale of loans 1,658 — Bank owned life insurance income 527 310 Other operating income (3) 881 502 Total noninterest income $ 11,320 $ 8,579 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $485 thousand and $390 thousand for the years ended December 31, 2021 and 2020, respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $834 thousand and $505 thousand for the years ended December 31, 2021 and 2020, respectively. The remaining balance is outside the scope of Topic 606. Contract Balances The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of December 31, 2021 and December 31, 2020, the Company did not have any significant contract balances.

Quarterly Condensed Statements

Quarterly Condensed Statements of Income	12 Months Ended
	Dec. 31, 2021
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 2021 and 2020 are summarized as follows: 2021 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 10,016 $ 10,413 $ 10,782 $ 11,465 Net interest income after provision for loan losses 8,930 9,695 10,099 10,792 Noninterest income 2,427 2,650 2,881 3,362 Noninterest expenses 7,916 8,727 9,523 11,883 Income before income taxes 3,441 3,618 3,457 2,271 Net income 2,862 3,003 2,873 2,283 Net income per common share, basic 0.84 0.87 0.83 0.66 Net income per common share, diluted 0.84 0.87 0.83 0.66 Dividends per common share 0.27 0.27 0.28 0.28 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

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
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. Derivative instruments are recorded at fair value on a recurring basis. The Company utilizes derivative instruments as part of the management of interest rate risk to modify the re-pricing characteristics of certain portions of the Company’s interest-bearing assets and liabilities. The Company has contracted with a third-party vendor to provide valuations for derivatives using standard valuation techniques and therefore classifies such valuations as Level 2. The Company has considered counterparty credit risk in the valuation of its derivative assets and has considered its own credit risk in the valuation of its derivative liabilities. The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at December 31, 2021 and December 31, 2020: Fair Value Measurements at December 31, 2021 Using Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 14,921 $ — $ 14,921 $ — U.S. treasury notes 2,003 2,003 Mortgage-backed securities 151,012 — 151,012 — Obligations of states and political subdivisions 21,877 — 21,877 — Subordinated debt 2,508 — 2,508 — Derivative: Interest rate swaps on loans 58 — 58 — Total assets at fair value $ 192,379 $ — $ 192,379 $ — Liabilities: Interest rate swaps on loans 58 58 $ — Total liabilities at fair value $ 58 $ — $ 58 $ — 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 $ — Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower of cost or market accounting or write downs of individual assets. The following describes the valuation techniques used by the Company to measure certain financial and nonfinancial assets recorded at fair value on a nonrecurring basis in the financial statements: Impaired Loans: Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected when due. The measurement of loss associated with impaired loans can be based on the present value of its expected future cash flows discounted at the loan's coupon rate, or at the loans' observable market price or the fair value of the collateral securing the loans, if they are collateral dependent. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing a market valuation approach based on an appraisal conducted by an independent, licensed appraiser using observable market data within the last twelve months (Level 2). However, if the collateral is a house or building in the process of construction or if an appraisal of the property is more than one year old and not solely based on observable market comparables or management determines the fair value of the collateral is further impaired below the appraised value, then a Level 3 valuation is considered to measure the fair value. The value of business equipment is based upon an outside appraisal, of one year or less, if deemed significant, or the net book value on the applicable business’s financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). Impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. Other Real Estate Owned: Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the fair value of the property, less estimated selling costs, establishing a new costs basis. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically obtained by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. The fair value measurement of real estate held in other real estate owned is assessed in the same manner as impaired loans described above. We believe that the fair value component in its valuation follows the provisions of GAAP. The Company held no other real estate owned at December 31, 2021. Loans Held for Sale: Loans held for sale are carried at the lower of cost or fair value. These loans consisted of one-to-four family residential loans originated for sale in the secondary market at December 31, 2021. Fair value is based on prices the secondary markets are currently offering for similar loans using observable market data or specific loan level investor commitments. The Company records any fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the years ended December 31, 2021 and December 31, 2020. 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, 2021 and December 31, 2020: Quantitative information about Level 3 Fair Value Measurements December 31, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Discounted appraised value Selling cost 12% 12% Impaired loans Present value of cash flows Discount rate 4% - 6% 5% December 31, 2020 Valuation Technique(s) Unobservable Input Range Weighted Average 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% (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, 2021 and December 31, 2020: Carrying value at December 31, 2021 Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 746 $ — $ — $ 746 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 The carrying amount and fair value of the Company’s financial instruments at December 31, 2021 and 2020 were as follows: Fair Value Measurements at December 31, 2021 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, 2021 (Level 1) (Level 2) (Level 3) December 31, 2021 (in thousands) Financial Assets: Cash and short-term investments $ 64,068 $ 64,068 $ — $ — $ 64,068 Securities 192,321 — 192,321 — 192,321 Restricted Investments 1,049 — 1,049 — 1,049 Loans held for sale 876 876 876 Loans, net 976,933 — — 969,612 969,612 Bank owned life insurance 23,236 — 23,236 — 23,236 Accrued interest receivable 2,634 — 2,634 — 2,634 Interest rate swap 58 — 58 — 58 Financial Liabilities: Deposits $ 1,177,235 $ — $ 1,177,582 $ — $ 1,177,582 Accrued interest payable 67 — 67 — 67 Interest rate swap 58 — 58 — 58 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 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, 2021
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, 2021 and 2020: Twelve Months Ended December 31, 2021 2020 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 $ 3,260 $ 19 $ 3,279 $ 1,438 $ 44 $ 1,482 Other comprehensive (loss) income before reclassifications (4,322 ) — (4,322 ) 2,993 (33 ) 2,960 Reclassifications from other comprehensive income (loss) (24 ) — (24 ) (687 ) 3 (684 ) Tax effect of current period changes 912 — 912 (484 ) 5 (479 ) Current period changes net of taxes (3,434 ) — (3,434 ) 1,822 (25 ) 1,797 December 31 $ (174 ) $ 19 $ (155 ) $ 3,260 $ 19 $ 3,279 For the years ended December 31, 2021 and 2020, $24 thousand and $687 thousand, respectively, was reclassified out of accumulated other comprehensive (loss) income and appeared as Gain on sale of securities in the Consolidated Statement of Income. The tax expense related to these reclassifications was $5 thousand and $144 thousand for the years ended December 31, 2021 and 2020, 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 (loss) 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, 2021
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, 2021 and 2020 (dollars in thousands) 2021 2020 Assets Cash held in subsidiary bank $ 2,739 $ 902 Loans, net of allowance — 2,932 Investment in subsidiary 107,416 101,104 Other assets 125 136 Total assets $ 110,280 $ 105,074 Liabilities and Shareholders’ Equity Total liabilities $ — $ — Shareholders’ Equity Preferred stock $ — $ — Common stock 8,556 8,460 Surplus 12,115 10,811 Retained earnings 89,764 82,524 Accumulated other comprehensive (loss) income (155 ) 3,279 Total shareholders’ equity $ 110,280 $ 105,074 Total liabilities and shareholders’ equity $ 110,280 $ 105,074 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2021 and 2020 (dollars in thousands) 2021 2020 Income Dividends from subsidiary bank $ 1,500 $ 4,250 Interest and fees on loans 64 133 Total income $ 1,564 $ 4,383 Expenses Other operating expenses $ 319 $ 295 Total expenses $ 319 $ 295 Income before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ 1,245 $ 4,088 Income Tax (Benefit) (31 ) (34 ) Income before equity in undistributed earnings of subsidiary bank $ 1,276 $ 4,122 Equity in Undistributed Net Income of Subsidiary Bank 9,745 7,050 Net income $ 11,021 $ 11,172 Comprehensive income $ 7,587 $ 12,969 EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2021 and 2020 (dollars in thousands) 2021 2020 Cash Flows from Operating Activities Net Income $ 11,021 $ 11,172 Adjustments to reconcile net income to net cash provided by operating activities Stock-based compensation expense 850 604 Provision for loan losses (21 ) — Undistributed earnings of subsidiary bank (9,745 ) (7,050 ) Changes in assets and liabilities: Decrease in other assets 10 5 Net cash provided by operating activities $ 2,115 $ 4,731 Cash Flows from Investing Activities Net decrease in loans $ 2,953 $ 7 Net cash provided by investing activities $ 2,953 $ 7 Cash Flows from Financing Activities Cash dividends paid (3,261 ) (3,198 ) Issuance of common stock, employee benefit plan 179 227 Retirement of common stock (149 ) (1,854 ) Net cash (used in) financing activities $ (3,231 ) $ (4,825 ) Increase (decrease) in cash $ 1,837 $ (87 ) Cash Beginning $ 902 $ 989 Ending $ 2,739 $ 902

Other Real Estate Owned (Notes)

Other Real Estate Owned (Notes)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: Year Ended Year Ended December 31, December 31, 2021 2020 Balance, beginning $ 607 $ 183 Net loans transferred to OREO 266 441 Gain on foreclosure — 166 Sales (781 ) (183 ) Valuation adjustments (92 ) — Balance, ending $ — $ 607 The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2021 and 2020 were as follows: As of December 31, 2021 December 31, 2020 (in thousands) Construction and Farmland $ — $ — Residential Real Estate — 165 Commercial Real Estate — 442 Subtotal $ — $ 607 Less valuation allowance — — Total $ — $ 607 There were no other real estate owned loans in the process of foreclosure at December 31, 2021. There was one consumer mortgage loan totaling $68 thousand collateralized by residential real estate in the process of foreclosure at December 31, 2020.

Qualified Affordable Housing Pr

Qualified Affordable Housing Project Investments	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020, the balance of the investment for qualified affordable housing projects was $2.6 million and $2.8 million, respectively. These balances are reflected in Other assets on the Consolidated Balance Sheets. Total unfunded commitments related to the investments in qualified affordable housing projects totaled $11 thousand and $446 thousand at December 31, 2021 and 2020. 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, 2021 and 2020, 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 2021 are $349 thousand based on the most recent quarterly estimates received from the funds. Total tax credits and other tax benefits recognized during 2021 and 2020 were $385 thousand and $384 thousand, respectively.

Nature of Banking Activities _2

Nature of Banking Activities and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
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 Held for Sale	Loans Held for Sale Mortgage loans originated with the intent to sell in the secondary market are classified as loans held for sale and carried at the lower of cost or fair value as determined by commitments from investors. Mortgage loans that are sold in the secondary market are sold servicing released. The Company may also classify other loans as loans held for sale as part of its ongoing portfolio management strategies. Such other loans are generally not originated with the intent to sell. Once a decision is made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of cost or fair value. In 2021, the Company sold non-mortgage loans totaling approximately $100 million in 2021 as part of its portfolio management strategies. that were previously classified as held for investment. Gains and losses on sales of loans are recorded based on the differential between the sales proceeds and carrying value of the underlying loans.
Loans	Loans The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke, Frederick, Loudoun and Fairfax, Virginia as well as the Towns of Leesburg and Purcellville and the Cities of Winchester and Frederick, Maryland. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan fees collected and certain costs incurred related to loan originations are deferred and amortized as an adjustment to interest income over the life of the related loans. Deferred fees and costs are recorded as an adjustment to interest income using a method that approximates a constant yield. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 120 and 90 days delinquent, respectively, unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Troubled Debt Restructurings (TDR)	Troubled Debt Restructurings (TDR) In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a TDR. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on non-accrual status at the time of the TDR, the loan will remain on non-accrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status as noted above.
Risks by Loan Portfolio Segments	Risks by Loan Portfolio Segments One-to-Four-Family Residential Real Estate Lending Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee. Commercial Real Estate Lending Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. Construction and Land Development Lending There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home. Commercial and Industrial Lending Commercial business loans generally have more risk than residential mortgage loans,but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as accounts receivable, equipment, inventory and boats. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate. Consumer Lending Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. A portion of the Company’s consumer loans are also secured by boats. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation. Marine Lending The Bank’s marine lending unit, which includes originated retail loans, which are classified as commercial and industrial loans or consumer loans depending on borrower, and dealer floorplan loans, which are classified as commercial and industrial loans. The Company’s relationships are limited to well established dealers of global premium brand manufacturers. The Company’s top three manufacturer customers have been in business between 30 and 100 years. The Company primarily has secured agreements with premium manufacturers to support dealer floor plan loans which reduces the Company’s credit exposure to the dealer, despite its underwriting of each respective dealer. The Company has developed incentive retail pricing programs with the dealers to drive retail dealer flow. In addition to the repurchase agreements associated with floor plan lending, manufacturers will often support secondary resale values which can have the effect of reducing losses from non-performing retail marine loans. Retail borrowers generally have very high credit scores, substantial down payments, substantial net worth, personal liquidity, and excess cash flow. Paycheck Protection Program Loans In both 2021 and 2020, the Company participated in the Paycheck Protection Program (PPP). The PPP commenced subsequent to the passage of the Coronavirus Aid, Relief and Economic Security("CARES") Act in March 2020 and was later expanded and extended by other legislation. 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, 2021, the Company had 152 PPP loans with outstanding balances totaling $15.9. million. 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. Our outstanding PPP loans were included in the commercial and industrial segment at December 31, 2021 and 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. Maintenance and repairs of property and equipment are charged to operations and major improvements are capitalized. Upon retirement, sale or other disposition of property and equipment, the cost and accumulated depreciation balances are cleared the differential between the proceeds, if any, and the carrying value is recorded as a gain or loss in the Company's results of operations.
Leases	Leases The Company accounts for its leasing arrangements in accordance with ASC 842 "Leases". Refer to Note 13 for further discussion of the Company's accounting for its leasing arrangements.
Other Real Estate Owned	Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the fair value of the property, less estimated selling costs at the date of foreclosure. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less estimated cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in the (gain) loss on other real estate owned line item in the consolidated statements of income.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company has purchased life insurance on certain key individuals. Bank owned life insurance is recorded at the amount that may be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or amounts due that are probable at settlement.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loan Swaps	Loan Swaps The Company enters into interest rate swaps with certain qualifying commercial loan customers to meet their interest rate risk management needs. The Company simultaneously enters into interest rate swaps with dealer counterparties, with identical notional amounts and offsetting terms. The net result of these interest rate swaps is that the customer pays a fixed rate of interest and the Company receives a floating rate. These back-to-back loan swaps are derivative financial instruments and are reported at fair value in “other assets” and “other liabilities” in the Consolidated Balance Sheets. Changes in the fair value of loan swaps are recorded in other noninterest income and sum to zero because of the offsetting terms of swaps with borrowers and swaps with dealer counterparties.
Retirement Plans	Retirement Plans The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 11.
Stock-Based Compensation Plan	Stock-Based Compensation Plan During 2014, the Company’s shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as adopted, authorized the issuance of up to 500,000 shares of common stock. This plan is discussed more fully in Note 10.
Income Taxes	Income Taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is “more likely than not” that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the “more likely than not” recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions.
Advertising	Advertising The Company follows the policy of charging the costs of advertising to expense as incurred.
Reclassifications	Reclassifications Certain reclassifications have been made to the 2020 financial statements to conform to reporting for 2021. 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, 2021 2020 Average number of common shares outstanding 3,440,080 3,417,543 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,440,080 3,417,543 There were no potentially dilutive securities outstanding in 2021 or 2020.
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.
COVID-19 Pandemic	COVID-19 Pandemic Since March 2020, COVID-19 has impacted the Company's communities, customers, and operations. The ultimate extent of the pandemic's impact on our business is inherently uncertain and dependent on future developments. Accordingly, estimates used in the preparation of the Company's financial statements may be subject to adjustment in future periods based on the ultimate course of the pandemic, which may be exacerbated by additional variants and a resurgence of its severity.
Stock Repurchase Program	Stock Repurchase Program On June 16, 2021, the Corporation renewed the stock repurchase program to repurchase up to 150,000 shares of its common stock prior to June 30, 2022. During 2021, the Company purchased 4,749 shares of its Common Stock under its stock repurchase program at an average price of $31.26. During 2020, the Company purchased 67,189 shares of its Common Stock under its stock repurchase program at an average price of $27.60. The maximum number of shares that may yet be purchased under the June 2021 plan as of December 31, 2021 are 148,825.
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 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 .

Nature of Banking Activities _3

Nature of Banking Activities and Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 2020 Average number of common shares outstanding 3,440,080 3,417,543 Effect of dilutive common stock — — Average number of common shares outstanding used to calculate diluted earnings per share 3,440,080 3,417,543

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 were as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value December 31, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 14,541 $ 417 $ (37 ) $ 14,921 U.S. treasury notes 2,003 — — 2,003 Mortgage-backed securities 152,391 753 (2,132 ) 151,012 Obligations of states and political subdivisions 21,104 773 — 21,877 Subordinated debt 2,500 11 (3 ) 2,508 $ 192,539 $ 1,954 $ (2,172 ) $ 192,321 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
Schedule Composition Of Restricted Investments	Carrying amounts of restricted securities at December 31, 2021 and 2020 were as follows: December 31, 2021 December 31, 2020 (in thousands) Federal Reserve Bank Stock $ 344 $ 344 Federal Home Loan Bank Stock 565 783 Community Bankers’ Bank Stock 140 140 $ 1,049 $ 1,267
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of securities available for sale at December 31, 2021, 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 $ 3,819 $ 3,842 Due after one year through five years 9,079 9,236 Due after five years through ten years 38,138 38,958 Due after ten years 141,503 140,285 $ 192,539 $ 192,321
Fair Value And Gross Unrealized Losses For Securities Available For Sale	The fair value and gross unrealized losses for securities available for sale, totaled by the length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020 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, 2021 (in thousands) Obligations of U.S. government corporations and agencies $ 2,616 $ 37 $ — $ — $ 2,616 $ 37 Mortgage-backed securities 101,080 1,214 29,555 918 130,635 2,132 Subordinated debt 247 3 — — 247 3 $ 103,943 $ 1,254 $ 29,555 $ 918 $ 133,498 $ 2,172 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

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Loans And Leases Receivable Disclosure [Abstract]
Schedule Of Composition Of Loans	The composition of loans at December 31, 2021 and 2020 was as follows: December 31, 2021 2020 (in thousands) Mortgage loans on real estate: Construction and land development $ 71,191 $ 42,544 Secured by farmland 13,710 15,846 Secured by 1-4 family residential properties 263,723 248,246 Multifamily 29,093 21,496 Commercial 377,051 334,661 Commercial and industrial loans 143,378 140,762 Consumer installment loans 67,281 21,321 All other loans 16,798 10,773 Total loans $ 982,225 $ 835,649 Net deferred loan costs and premiums 3,495 685 Allowance for loan losses (8,787 ) (7,096 ) $ 976,933 $ 829,238

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Changes In Allowance For Loan Losses	Changes in the allowance for loan losses for the years ended December 31, 2021 and 2020 were as follows: December 31, 2021 2020 (in thousands) Balance, beginning $ 7,096 $ 4,973 Provision charged to operating expense 1,483 1,457 Recoveries added to the allowance 318 1,131 Loan losses charged to the allowance (110 ) (465 ) Balance, ending $ 8,787 $ 7,096
Nonaccrual And Past Due Loans By Class	Nonaccrual and past due loans by class at December 31, 2021 and December 31, 2020 were as follows: December 31, 2021 (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 $ 8 $ 7 $ — $ 15 $ 143,363 $ 143,378 $ — $ — Commercial Real Estate: Owner Occupied — — — — 188,839 188,839 — 124 Non-owner occupied 146 — 130 276 187,936 188,212 — 1,547 Construction and Farmland: Residential — — — — 10,077 10,077 — — Commercial — 126 108 234 74,590 74,824 — 234 Consumer: Installment 6 — — 6 67,275 67,281 — 3 Residential: Equity Lines 13 — — 13 35,849 35,862 — 29 Single family 409 238 434 1,081 226,780 227,861 43 786 Multifamily — — — — 29,093 29,093 — — All Other Loans — — — — 16,798 16,798 — — Total $ 582 $ 371 $ 672 $ 1,625 $ 980,600 $ 982,225 $ 43 $ 2,723 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 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
Allowance For Loan Losses By Segment	Allowance for loan losses by segment as of and for the years ended December 31, 2021 and December 31, 2020 were as follows: December 31, 2021 (in thousands) Construction and Farmland Residential Real Estate Commercial Real Estate Commercial Consumer All Other Loans Unallocated Total Allowance for credit losses: Beginning Balance $ 1,604 $ 1,929 $ 1,645 $ 1,374 $ 198 $ 346 $ — $ 7,096 Charge-Offs — (13 ) — (10 ) (19 ) (68 ) — (110 ) Recoveries 12 240 7 18 29 12 — 318 Provision 1,178 (406 ) (2 ) 274 438 1 — 1,483 Ending balance $ 2,794 $ 1,750 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,787 Ending balance: Individually evaluated for impairment $ — $ 39 $ — $ — $ — $ — $ — $ 39 Ending balance: collectively evaluated for impairment $ 2,794 $ 1,711 $ 1,650 $ 1,656 $ 646 $ 291 $ — $ 8,748 Loans: Ending balance $ 84,901 $ 292,816 $ 377,051 $ 143,378 $ 67,281 $ 16,798 $ — $ 982,225 Ending balance individually evaluated for impairment $ 257 $ 2,778 $ 2,295 $ 108 $ 16 $ — $ — $ 5,454 Ending balance collectively evaluated for impairment $ 84,644 $ 290,038 $ 374,756 $ 143,270 $ 67,265 $ 16,798 $ — $ 976,771 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
Impaired Loans By Class	Impaired loans by class at December 31, 2021 and December 31, 2020 were as follows: As of December 31, 2021 (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 $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate: Owner Occupied 148 124 — 142 — Non-owner occupied 2,539 2,177 — 2,186 — Construction and Farmland: Residential — — — — — Commercial 271 257 — 267 9 Consumer: Installment 17 16 — 19 1 Residential Equity lines 35 29 — 32 — Single family 2,088 1,974 — 2,012 62 Multifamily — — — — — Other Loans — — — — — $ 5,241 $ 4,686 $ — $ 4,824 $ 83 With an allowance recorded: Commercial - Non Real Estate: Commercial & Industrial $ — $ — $ — $ — $ — Commercial Real Estate: Owner Occupied — — — — — Non-owner occupied — — — — — Construction and Farmland: Residential — — — — — Commercial — — — — — Consumer: Installment — — — — — Residential Equity lines — — — — — Single family 811 787 39 802 30 Multifamily — — — — — Other Loans — — — — — $ 811 $ 787 $ 39 $ 802 $ 30 Total: Commercial $ 143 $ 109 $ — $ 166 $ 11 Commercial Real Estate 2,687 2,301 — 2,328 — Construction and Farmland 271 257 — 267 9 Consumer 17 16 — 19 1 Residential 2,934 2,790 39 2,846 92 Other — — — — — Total $ 6,052 $ 5,473 $ 39 $ 5,626 $ 113 (1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs. 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.
Credit Quality Information By Class	Credit quality information by class at December 31, 2021 and December 31, 2020 was as follows: As of December 31, 2021 (in thousands) INTERNAL RISK RATING GRADES Pass Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 143,197 $ 176 $ 5 $ — $ — $ 143,378 Commercial Real Estate: Owner Occupied 185,978 2,703 158 — — 188,839 Non-owner occupied 180,830 4,819 2,563 — — 188,212 Construction and Farmland: Residential 10,077 — — — — 10,077 Commercial 59,318 15,198 308 — — 74,824 Residential: Equity Lines 35,832 — 30 — — 35,862 Single family 224,510 1,601 1,633 117 — 227,861 Multifamily 26,952 2,141 — — — 29,093 All other loans 16,798 — — — — 16,798 Total $ 883,492 $ 26,638 $ 4,697 $ 117 $ — $ 914,944 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 67,275 $ 6 As of December 31, 2020 (in thousands) INTERNAL RISK RATING GRADES Pass Special Mention Substandard Doubtful Loss Total Commercial - Non Real Estate: Commercial & Industrial $ 140,316 $ 439 $ 7 $ — $ — $ 140,762 Commercial Real Estate: Owner Occupied 158,766 5,929 1,226 — — 165,921 Non-owner occupied 143,364 22,555 2,821 — — 168,740 Construction and Farm land: Residential 10,644 — — — — 10,644 Commercial 44,581 3,004 161 — — 47,746 Residential: Equity Lines 31,211 — 36 5 — 31,252 Single family 210,218 3,594 3,053 129 — 216,994 Multifamily 19,623 1,873 — — — 21,496 All other loans 8,438 2,335 — — — 10,773 Total $ 767,161 $ 39,729 $ 7,304 $ 134 $ — $ 814,328 Performing Nonperforming Consumer Credit Exposure by Payment Activity $ 21,316 $ 5

Troubled Debt Restructurings (T

Troubled Debt Restructurings (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule Of Troubled Debt Restructurings On Financing Receivables	The following tables set forth information on the Company’s troubled debt restructurings by class of loans occurring during the years ended December 31, 2021 and 2020: Twelve Months Ended December 31, 2021 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer: Installment 2 $ 15 $ 15 Residential Single family 1 98 98 Total 3 $ 113 $ 113 Twelve Months Ended December 31, 2020 (in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial - Non 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

Bank Premises and Equipment, _2

Bank Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 were as follows: December 31, 2021 2020 (in thousands) Land $ 6,644 $ 6,644 Buildings and improvements 18,561 18,498 Furniture and equipment 8,815 8,358 $ 34,020 $ 33,500 Less accumulated depreciation 15,771 14,775 Bank premises and equipment, net $ 18,249 $ 18,725

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Composition Of Deposits	The composition of deposits at December 31, 2021 and December 31, 2020 was as follows: December 31, 2021 December 31, 2020 (in thousands) Noninterest bearing demand deposits $ 470,355 $ 407,576 Savings and interest bearing demand deposits: NOW accounts $ 162,690 $ 132,249 Money market accounts 251,862 207,837 Regular savings accounts 168,744 136,778 $ 583,296 $ 476,864 Time deposits: Balances of less than $250,000 $ 58,427 $ 59,621 Balances of $250,000 or greater 65,157 69,037 $ 123,584 $ 128,658 $ 1,177,235 $ 1,013,098
Maturities Of Time Deposits	The outstanding balance of time deposits at December 31, 2021 was due as follows: December 31, 2021 (in thousands) 2022 $ 107,507 2023 6,307 2024 2,449 2025 1,534 2026 5,780 Thereafter 7 $ 123,584

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: December 31, 2021 2020 (dollars in thousands) Balance at year-end — — Average balance during the year 1 1 Average interest rate during the year 0.66 % 0.61 % Maximum month-end balance during the year $ — $ — Gross lines of credit at year-end 78,000 28,000 Unused lines of credit at year-end 78,000 28,000

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule Of Net Deferred Tax Assets	The net deferred tax asset at December 31, 2021 and 2020 consisted of the following components: December 31, 2021 2020 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,845 $ 1,490 Share-based compensation 136 95 Accrued postretirement benefits 21 21 Home equity origination costs 67 50 Nonaccrual interest 65 76 Lease liabilities 1,110 864 Credit carryforward 973 — Securities available for sale 46 — Other 27 29 $ 4,290 $ 2,625 Deferred tax liabilities: Property and equipment $ 659 $ 713 Right-of-use assets 1,079 843 Securities available for sale — 867 $ 1,738 $ 2,423 Net deferred tax asset $ 2,552 $ 202
Schedule Of Components Of Income Tax Expense	Income tax expense for the years ended December 31, 2021 and 2020 consisted of the following components: December 31, 2021 2020 (in thousands) Current tax expense $ 3,203 $ 2,607 Deferred tax (benefit) (1,437 ) (471 ) $ 1,766 $ 2,136
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, 2021 and 2020. December 31, 2021 2020 (in thousands) Statutory federal corporate tax amount $ 2,685 $ 2,795 Tax-exempt interest (income) (135 ) (193 ) Officer insurance (income) (102 ) (57 ) Net tax credits (686 ) (439 ) Other, net 4 30 $ 1,766 $ 2,136

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2021
Share Based Compensation [Abstract]
Restricted Stock Activity	The following table presents the activity for Restricted Stock for the years ended December 31, 2021 and 2020: Twelve Months Ended December 31, 2021 2020 Shares Weighted Average Grant Date Fair Value Shares Weighted Average Grant Date Fair Value Nonvested, beginning of period 20,928 $ 29.98 18,488 $ 30.39 Granted 32,496 31.16 22,128 28.82 Vested (21,261 ) 30.70 (19,238 ) 29.01 Forfeited (425 ) 31.05 (450 ) 31.03 Nonvested, end of period 31,738 $ 30.70 20,928 $ 29.98

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Assets And Liabilities, Lessee	The following tables present information about the Company’s leases: (dollars in thousands) December 31, 2021 December 31, 2020 Lease liability $ 5,289 $ 4,113 Right-of-use asset $ 5,139 $ 4,014 Weighted average remaining lease term 15 years 17 years Weighted average discount term 2.99 % 3.34 % Twelve Months Ended Lease Cost December 31, 2021 December 31, 2020 Operating lease cost $ 376 $ 287 Variable lease cost — — Short-term lease cost 19 16 Total lease cost $ 395 $ 303 Cash paid for amounts included in the measurement of lease liabilities $ 314 $ 239
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, 2021 Twelve months ending December 31, 2022 $ 455 Twelve months ending December 31, 2023 473 Twelve months ending December 31, 2024 480 Twelve months ending December 31, 2025 504 Twelve months ending December 31, 2026 397 Thereafter 4,540 Total undiscounted cash flows $ 6,849 Discount (1,560 ) Lease liability $ 5,289

Capital Requirements (Tables)

Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Capital Requirements [Abstract]
Schedule Of Capital Requirements	The following table presents the Bank’s actual capital amounts and ratios at December 31, 2021 and 2020: 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, 2021 Common Equity Tier 1 Capital to Risk Weighted Assets $ 107,570 10.44 % $ 46,362 4.50 % $ 66,967 6.50 % Total Capital to Risk Weighted Assets 116,420 11.30 % 82,421 8.00 % 103,026 10.00 % Tier 1 Capital to Risk Weighted Assets 107,570 10.44 % 61,816 6.00 % 82,421 8.00 % Tier 1 Capital to Average Assets 107,570 8.84 % 48,654 4.00 % 60,817 5.00 % 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 %

Financial Instruments with Of_2

Financial Instruments with Off-Balance-Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Schedule Of Financial Instruments	At December 31, 2021 and 2020, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2021 December 31, 2020 (dollars in thousands) Commitments to extend credit $ 21,886 $ 27,558 Unfunded commitments under lines of credit 171,406 146,202 Commercial and standby letters of credit 10,397 8,139

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 consisted of the following: December 31, 2021 December 31, 2020 (dollar in thousands) Noninterest income: Income from fiduciary activities(1): Trust asset management fees $ 1,891 $ 1,398 Service charges on deposit accounts(1): Overdrawn account fees 853 695 Monthly and other service charges 234 225 Other service charges and fees: Interchange fees (1) 227 372 ATM fees (1) 3,014 2,578 Brokerage commissions (1) 1,164 916 Secondary market fees 236 431 Other charges and fees (2) 611 460 Gain (loss) on the sale and disposal of bank premises and equipment (1) — 5 Gain (loss) on sale of securities 24 687 Gain on sale of loans 1,658 — Bank owned life insurance income 527 310 Other operating income (3) 881 502 Total noninterest income $ 11,320 $ 8,579 (1) Income within the scope of Topic 606. (2) Includes income within the scope of Topic 606 of $485 thousand and $390 thousand for the years ended December 31, 2021 and 2020, respectively. The remaining balance is outside the scope of Topic 606. (3) Includes income within the scope of Topic 606 of $834 thousand and $505 thousand for the years ended December 31, 2021 and 2020, 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, 2021
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 2021 and 2020 are summarized as follows: 2021 March 31 June 30 September 30 December 31 (in thousands, except per share amounts) Total interest and dividend income $ 10,016 $ 10,413 $ 10,782 $ 11,465 Net interest income after provision for loan losses 8,930 9,695 10,099 10,792 Noninterest income 2,427 2,650 2,881 3,362 Noninterest expenses 7,916 8,727 9,523 11,883 Income before income taxes 3,441 3,618 3,457 2,271 Net income 2,862 3,003 2,873 2,283 Net income per common share, basic 0.84 0.87 0.83 0.66 Net income per common share, diluted 0.84 0.87 0.83 0.66 Dividends per common share 0.27 0.27 0.28 0.28 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

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and December 31, 2020: Fair Value Measurements at December 31, 2021 Using Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Assets: Securities available for sale Obligations of U.S. government corporations and agencies $ 14,921 $ — $ 14,921 $ — U.S. treasury notes 2,003 2,003 Mortgage-backed securities 151,012 — 151,012 — Obligations of states and political subdivisions 21,877 — 21,877 — Subordinated debt 2,508 — 2,508 — Derivative: Interest rate swaps on loans 58 — 58 — Total assets at fair value $ 192,379 $ — $ 192,379 $ — Liabilities: Interest rate swaps on loans 58 58 $ — Total liabilities at fair value $ 58 $ — $ 58 $ — 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 $ —
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, 2021 and December 31, 2020: Quantitative information about Level 3 Fair Value Measurements December 31, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average (1) Assets: Impaired loans Discounted appraised value Selling cost 12% 12% Impaired loans Present value of cash flows Discount rate 4% - 6% 5% December 31, 2020 Valuation Technique(s) Unobservable Input Range Weighted Average 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% (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, 2021 and December 31, 2020: Carrying value at December 31, 2021 Balance as of Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2021 (Level 1) (Level 2) (Level 3) (in thousands) Financial Assets: Impaired loans $ 746 $ — $ — $ 746 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
Company's Financial Instruments	The carrying amount and fair value of the Company’s financial instruments at December 31, 2021 and 2020 were as follows: Fair Value Measurements at December 31, 2021 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, 2021 (Level 1) (Level 2) (Level 3) December 31, 2021 (in thousands) Financial Assets: Cash and short-term investments $ 64,068 $ 64,068 $ — $ — $ 64,068 Securities 192,321 — 192,321 — 192,321 Restricted Investments 1,049 — 1,049 — 1,049 Loans held for sale 876 876 876 Loans, net 976,933 — — 969,612 969,612 Bank owned life insurance 23,236 — 23,236 — 23,236 Accrued interest receivable 2,634 — 2,634 — 2,634 Interest rate swap 58 — 58 — 58 Financial Liabilities: Deposits $ 1,177,235 $ — $ 1,177,582 $ — $ 1,177,582 Accrued interest payable 67 — 67 — 67 Interest rate swap 58 — 58 — 58 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

Change in Accumulated Other C_2

Change in Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: Twelve Months Ended December 31, 2021 2020 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 $ 3,260 $ 19 $ 3,279 $ 1,438 $ 44 $ 1,482 Other comprehensive (loss) income before reclassifications (4,322 ) — (4,322 ) 2,993 (33 ) 2,960 Reclassifications from other comprehensive income (loss) (24 ) — (24 ) (687 ) 3 (684 ) Tax effect of current period changes 912 — 912 (484 ) 5 (479 ) Current period changes net of taxes (3,434 ) — (3,434 ) 1,822 (25 ) 1,797 December 31 $ (174 ) $ 19 $ (155 ) $ 3,260 $ 19 $ 3,279

Condensed Financial Informati_2

Condensed Financial Information - Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 (dollars in thousands) 2021 2020 Assets Cash held in subsidiary bank $ 2,739 $ 902 Loans, net of allowance — 2,932 Investment in subsidiary 107,416 101,104 Other assets 125 136 Total assets $ 110,280 $ 105,074 Liabilities and Shareholders’ Equity Total liabilities $ — $ — Shareholders’ Equity Preferred stock $ — $ — Common stock 8,556 8,460 Surplus 12,115 10,811 Retained earnings 89,764 82,524 Accumulated other comprehensive (loss) income (155 ) 3,279 Total shareholders’ equity $ 110,280 $ 105,074 Total liabilities and shareholders’ equity $ 110,280 $ 105,074
Schedule Of Condensed Income Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2021 and 2020 (dollars in thousands) 2021 2020 Income Dividends from subsidiary bank $ 1,500 $ 4,250 Interest and fees on loans 64 133 Total income $ 1,564 $ 4,383 Expenses Other operating expenses $ 319 $ 295 Total expenses $ 319 $ 295 Income before income tax (benefit) and equity in undistributed earnings of subsidiary bank $ 1,245 $ 4,088 Income Tax (Benefit) (31 ) (34 ) Income before equity in undistributed earnings of subsidiary bank $ 1,276 $ 4,122 Equity in Undistributed Net Income of Subsidiary Bank 9,745 7,050 Net income $ 11,021 $ 11,172 Comprehensive income $ 7,587 $ 12,969
Schedule Of Condensed Cash Flows Statement	EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2021 and 2020 (dollars in thousands) 2021 2020 Cash Flows from Operating Activities Net Income $ 11,021 $ 11,172 Adjustments to reconcile net income to net cash provided by operating activities Stock-based compensation expense 850 604 Provision for loan losses (21 ) — Undistributed earnings of subsidiary bank (9,745 ) (7,050 ) Changes in assets and liabilities: Decrease in other assets 10 5 Net cash provided by operating activities $ 2,115 $ 4,731 Cash Flows from Investing Activities Net decrease in loans $ 2,953 $ 7 Net cash provided by investing activities $ 2,953 $ 7 Cash Flows from Financing Activities Cash dividends paid (3,261 ) (3,198 ) Issuance of common stock, employee benefit plan 179 227 Retirement of common stock (149 ) (1,854 ) Net cash (used in) financing activities $ (3,231 ) $ (4,825 ) Increase (decrease) in cash $ 1,837 $ (87 ) Cash Beginning $ 902 $ 989 Ending $ 2,739 $ 902

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: Year Ended Year Ended December 31, December 31, 2021 2020 Balance, beginning $ 607 $ 183 Net loans transferred to OREO 266 441 Gain on foreclosure — 166 Sales (781 ) (183 ) Valuation adjustments (92 ) — Balance, ending $ — $ 607
Schedule of Real Estate Properties	The major classifications of other real estate owned in the consolidated balance sheets at December 31, 2021 and 2020 were as follows: As of December 31, 2021 December 31, 2020 (in thousands) Construction and Farmland $ — $ — Residential Real Estate — 165 Commercial Real Estate — 442 Subtotal $ — $ 607 Less valuation allowance — — Total $ — $ 607

Nature of Banking Activities _4

Nature of Banking Activities and Significant Accounting Policies (Narrative) (Details)	12 Months Ended
	Dec. 31, 2021USD ($)loanshares	Dec. 31, 2020USD ($)loanshares
Property Plant And Equipment [Line Items]
Ownership percentage in subsidiaries	100.00%
Sale of Non Mortgage Loans | $	$ 100,000,000
Period interest on mortgage loans is discontinued	120 days
Period Interest on commercial loans discontinued	90 days
Credit card loans and other personal loans are charged off	180 days
Limit of the estimated appraised value of the furnished home	80.00%
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
Number of shares of common stock able to be repurchased	150,000
Treasury Stock, Shares, Retired	4,749	67,189
Stock Repurchased and Retired During Period, Value | $	$ 31.26	$ 27.60
Maximum numbers of shares that may yet be purchased under plan	148,825
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	152	911
Total outstanding balance of loans | $	$ 15,900,000	$ 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, 2021	Dec. 31, 2020
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Average number of common shares outstanding	3,440,080	3,417,543
Average number of common shares outstanding used to calculate diluted earnings per share	3,440,080	3,417,543

Securities (Amortized Costs And

Securities (Amortized Costs And Fair Values Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	$ 192,539	$ 160,827
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	1,954	4,174
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(2,172)	(46)
Securities available for sale, at fair value	192,321	164,955
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	14,541	16,576
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	417	907
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(37)
Securities available for sale, at fair value	14,921	17,483
US Treasury Notes [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	2,003
Securities available for sale, at fair value	2,003
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	152,391	117,161
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	753	1,894
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(2,132)	(46)
Securities available for sale, at fair value	151,012	119,009
Obligations Of States And Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	21,104	25,840
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	773	1,373
Securities available for sale, at fair value	21,877	27,213
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	2,500	1,250
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax	11
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	(3)
Securities available for sale, at fair value	$ 2,508	$ 1,250

Securities (Restricted Investme

Securities (Restricted Investments) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Carrying Value Qualitative Disclosures Related To Election [Line Items]
Restricted Investments	$ 1,049	$ 1,267
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	565	783
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, 2021	Dec. 31, 2020
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis [Abstract]
Due in one year or less, Amortized Cost	$ 3,819
Due after one year through five years, Amortized Cost	9,079
Due after five years through ten years, Amortized Cost	38,138
Due after ten years, Amortized Cost	141,503
Amortized Cost	192,539	$ 160,827
Debt Securities, Available-for-sale, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less, Fair Value	3,842
Due after one year through five years, Fair Value	9,236
Due after five years through ten years, Fair Value	38,958
Due after ten years, Fair Value	140,285
Fair Value	$ 192,321	$ 164,955

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Security	Dec. 31, 2020USD ($)Security
Available For Sale Securities [Abstract]
Sales of securities available for sale	$ 15,885	$ 28,323
Available-for-sale Securities, Gross Realized Gains	143	687
Available-for-sale Securities, Gross Realized Losses	$ 119	$ 0
Debt securities included in gross unrealized losses on available for sale securities | Security	41	3
Carrying value of securities pledged as collateral	$ 8,500

Securities (Fair Value And Gros

Securities (Fair Value And Gross Unrealized Losses For Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	$ 103,943	$ 12,014
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	1,254	46
Fair Value, 12 months or more	29,555
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	918
Fair Value, Total	133,498	12,014
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	2,172	46
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	101,080	12,014
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	1,214	46
Fair Value, 12 months or more	29,555
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	918
Fair Value, Total	130,635	12,014
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	2,132	$ 46
Subordinated Debt [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	247
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	3
Fair Value, Total	247
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	3
Obligations Of U.S. Government Corporations And Agencies [Member]
Schedule Of Available For Sale Securities [Line Items]
Fair Value, Less than 12 months	2,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	37
Fair Value, Total	2,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 37

Loans (Schedule of Composition

Loans (Schedule of Composition of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 982,225	$ 835,649
Allowance for loan losses	(8,787)	(7,096)
Net Loans	976,933	829,238
Net deferred loan costs and premiums	3,495	685
Construction and land development
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	71,191	42,544
Secured by farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	13,710	15,846
Secured by 1-4 family residential properties
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	263,723	248,246
Multifamily
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	29,093	21,496
Commercial Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	377,051	334,661
Commercial and industrial loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	143,378	140,762
Consumer installment loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	67,281	21,321
All other loans
Financing Receivable Allowance For Credit Losses [Line Items]
Loans	$ 16,798	$ 10,773

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, 2021	Dec. 31, 2020
Receivables [Abstract]
Beginning Balance	$ 7,096	$ 4,973
Provision charged to operating expense	1,483	1,457
Recoveries added to the allowance	318	1,131
Loan losses charged to the allowance	(110)	(465)
Ending Balance	$ 8,787	$ 7,096

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, 2021	Dec. 31, 2020
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 914,944	$ 814,328
Total Loans	982,225	835,649
90 or More Days Past Due Still Accruing	43
Nonaccrual Loans	2,723	4,754
Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	143,378	140,762
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	188,839	165,921
Nonaccrual Loans	124	1,227
Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	188,212	168,740
Nonaccrual Loans	1,547	2,405
Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	10,077	10,644
Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	74,824	47,746
Nonaccrual Loans	234	69
Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	67,281	21,321
Nonaccrual Loans	3	5
Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	35,862	31,252
Nonaccrual Loans	29	42
Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	227,861	216,994
90 or More Days Past Due Still Accruing	43
Nonaccrual Loans	786	1,006
Residential Multi Family
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	29,093	21,496
All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total Loans	16,798	10,773
Financial Asset, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	582	810
Financial Asset, 30 to 59 Days Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	8	43
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	146	500
Financial Asset, 30 to 59 Days Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	6	5
Financial Asset, 30 to 59 Days Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	13	13
Financial Asset, 30 to 59 Days Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	409	249
60 - 89 Days Past due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	371	123
60 - 89 Days Past due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	7
60 - 89 Days Past due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	126
60 - 89 Days Past due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	238	123
Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	672	929
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		157
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	130	122
Financial Asset, Equal to or Greater than 90 Days Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	108	69
Financial Asset, Equal to or Greater than 90 Days Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	434	581
Financial Asset, Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	1,625	1,862
Financial Asset, Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	15	43
Financial Asset, Past Due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due		157
Financial Asset, Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	276	622
Financial Asset, Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	234	69
Financial Asset, Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	6	5
Financial Asset, Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	13	13
Financial Asset, Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	1,081	953
Financial Asset, Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	980,600	833,787
Financial Asset, Not Past Due | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	143,363	140,719
Financial Asset, Not Past Due | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	188,839	165,764
Financial Asset, Not Past Due | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	187,936	168,118
Financial Asset, Not Past Due | Construction And Farmland Residential
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	10,077	10,644
Financial Asset, Not Past Due | Construction And Farmland Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	74,590	47,677
Financial Asset, Not Past Due | Consumer Installment Financing Receivable
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	67,275	21,316
Financial Asset, Not Past Due | Residential Equity Lines
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	35,849	31,239
Financial Asset, Not Past Due | Residential Single Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	226,780	216,041
Financial Asset, Not Past Due | Residential Multi Family
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	29,093	21,496
Financial Asset, Not Past Due | All Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Past Due	$ 16,798	$ 10,773

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, 2021	Dec. 31, 2020
Financing Receivable Impaired [Line Items]
Beginning Balance	$ 7,096	$ 4,973
Loan losses charged to the allowance	(110)	(465)
Recoveries	318	1,131
Provision	1,483	1,457
Ending balance	982,225	835,649
Ending balance: Individually evaluated for impairment	5,454	7,768
Ending balance: collectively evaluated for impairment	976,771	827,881
Ending Balance	8,787	7,096
Ending balance: Individually evaluated for impairment	39	72
Ending balance: collectively evaluated for impairment	8,748	7,024
Construction And Farmland Financing Receivable
Financing Receivable Impaired [Line Items]
Beginning Balance	1,604	446
Loan losses charged to the allowance		(119)
Recoveries	12	7
Provision	1,178	1,270
Ending balance	84,901	58,390
Ending balance: Individually evaluated for impairment	257	105
Ending balance: collectively evaluated for impairment	84,644	58,285
Ending Balance	2,794	1,604
Ending balance: collectively evaluated for impairment	2,794	1,604
Residential Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,929	1,601
Loan losses charged to the allowance	(13)	(20)
Recoveries	240	275
Provision	(406)	73
Ending balance	292,816	269,742
Ending balance: Individually evaluated for impairment	2,778	3,869
Ending balance: collectively evaluated for impairment	290,038	265,873
Ending Balance	1,750	1,929
Ending balance: Individually evaluated for impairment	39	72
Ending balance: collectively evaluated for impairment	1,711	1,857
Commercial Real Estate
Financing Receivable Impaired [Line Items]
Beginning Balance	1,645	1,991
Loan losses charged to the allowance		(155)
Recoveries	7	302
Provision	(2)	(493)
Ending balance	377,051	334,661
Ending balance: Individually evaluated for impairment	2,295	3,632
Ending balance: collectively evaluated for impairment	374,756	331,029
Ending Balance	1,650	1,645
Ending balance: collectively evaluated for impairment	1,650	1,645
Commercial Portfolio Segment
Financing Receivable Impaired [Line Items]
Beginning Balance	1,374	565
Loan losses charged to the allowance	(10)	(49)
Recoveries	18	498
Provision	274	360
Ending balance	143,378	140,762
Ending balance: Individually evaluated for impairment	108	147
Ending balance: collectively evaluated for impairment	143,270	140,615
Ending Balance	1,656	1,374
Ending balance: collectively evaluated for impairment	1,656	1,374
Consumer Portfolio Segment
Financing Receivable Impaired [Line Items]
Beginning Balance	198	54
Loan losses charged to the allowance	(19)	(83)
Recoveries	29	41
Provision	438	186
Ending balance	67,281	21,321
Ending balance: Individually evaluated for impairment	16	15
Ending balance: collectively evaluated for impairment	67,265	21,306
Ending Balance	646	198
Ending balance: collectively evaluated for impairment	646	198
All Other Loans
Financing Receivable Impaired [Line Items]
Beginning Balance	346	120
Loan losses charged to the allowance	(68)	(39)
Recoveries	12	8
Provision	1	257
Ending balance	16,798	10,773
Ending balance: collectively evaluated for impairment	16,798	10,773
Ending Balance	291	346
Ending balance: collectively evaluated for impairment	$ 291	346
Unallocated Financing Receivables
Financing Receivable Impaired [Line Items]
Beginning Balance		196
Provision		$ (196)

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Impaired Loans By Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Unpaid Principal Balance
Total	$ 6,052	$ 8,835
Recorded Investment
Total	5,473	7,785
Related Allowance
With no related allowance:	39	72
Average Recorded Investment
Total	5,626	8,025
Total	113	186
Consumer Installment Financing Receivable
Unpaid Principal Balance
Total	17	16
Recorded Investment
Total	16	15
Average Recorded Investment
Total	19	22
Total	1	1
Commercial Portfolio Segment
Unpaid Principal Balance
Total	143	246
Recorded Investment
Total	109	147
Average Recorded Investment
Total	166	186
Total	11	16
Commercial Real Estate
Unpaid Principal Balance
Total	2,687	3,964
Recorded Investment
Total	2,301	3,632
Average Recorded Investment
Total	2,328	3,702
Total		52
Construction And Farmland Financing Receivable
Unpaid Principal Balance
Total	271	233
Recorded Investment
Total	257	105
Average Recorded Investment
Total	267	109
Total	9	3
Residential
Unpaid Principal Balance
Total	2,934	4,376
Recorded Investment
Total	2,790	3,886
Related Allowance
With no related allowance:	39	72
Average Recorded Investment
Total	2,846	4,006
Total	92	114
With No Related Allowance
Unpaid Principal Balance
With no related allowance:	5,241	7,386
Recorded Investment
With no related allowance:	4,686	6,354
Related Allowance
With no related allowance:	83	148
Average Recorded Investment
With no related allowance:	4,824	6,577
With No Related Allowance | Commercial - Non Real Estate: - Commercial Real Estate:
Unpaid Principal Balance
With no related allowance:	143	246
Recorded Investment
With no related allowance:	109	147
Related Allowance
With no related allowance:	11	16
Average Recorded Investment
With no related allowance:	166	186
With No Related Allowance | Commercial Real Estate Owner Occupied
Unpaid Principal Balance
With no related allowance:	148	1,282
Recorded Investment
With no related allowance:	124	1,227
Related Allowance
With no related allowance:		18
Average Recorded Investment
With no related allowance:	142	1,258
With No Related Allowance | Commercial Real Estate Non Owner Occupied
Unpaid Principal Balance
With no related allowance:	2,539	2,682
Recorded Investment
With no related allowance:	2,177	2,405
Related Allowance
With no related allowance:		34
Average Recorded Investment
With no related allowance:	2,186	2,444
With No Related Allowance | Construction And Farmland Commercial
Unpaid Principal Balance
With no related allowance:	271	233
Recorded Investment
With no related allowance:	257	105
Related Allowance
With no related allowance:	9	3
Average Recorded Investment
With no related allowance:	267	109
With No Related Allowance | Consumer Installment Financing Receivable
Unpaid Principal Balance
With no related allowance:	17	16
Recorded Investment
With no related allowance:	16	15
Related Allowance
With no related allowance:	1	1
Average Recorded Investment
With no related allowance:	19	22
With No Related Allowance | Residential Equity Lines
Unpaid Principal Balance
With no related allowance:	35	272
Recorded Investment
With no related allowance:	29	42
Average Recorded Investment
With no related allowance:	32	44
With No Related Allowance | Residential Single Family
Unpaid Principal Balance
With no related allowance:	2,088	2,655
Recorded Investment
With no related allowance:	1,974	2,413
Related Allowance
With no related allowance:	62	76
Average Recorded Investment
With no related allowance:	2,012	2,514
With An Allowance Recorded
Unpaid Principal Balance
With an allowance recorded:	811	1,449
Recorded Investment
With an allowance recorded:	787	1,431
Related Allowance
With no related allowance:	39	72
Average Recorded Investment
With an allowance recorded:	802	1,448
With an allowance recorded:	30	38
With An Allowance Recorded | Residential Single Family
Unpaid Principal Balance
With an allowance recorded:	811	1,449
Recorded Investment
With an allowance recorded:	787	1,431
Related Allowance
With no related allowance:	39	72
Average Recorded Investment
With an allowance recorded:	802	1,448
With an allowance recorded:	$ 30	$ 38

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Credit Quality Information By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 914,944	$ 814,328
Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	143,378	140,762
Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	188,839	165,921
Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	188,212	168,740
Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,077	10,644
Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	74,824	47,746
Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,862	31,252
Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	227,861	216,994
Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	29,093	21,496
All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	16,798	10,773
Pass
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	883,492	767,161
Pass | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	143,197	140,316
Pass | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	185,978	158,766
Pass | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	180,830	143,364
Pass | Construction And Farmland Residential
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	10,077	10,644
Pass | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	59,318	44,581
Pass | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	35,832	31,211
Pass | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	224,510	210,218
Pass | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	26,952	19,623
Pass | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	16,798	8,438
Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	26,638	39,729
Special Mention | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	176	439
Special Mention | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,703	5,929
Special Mention | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,819	22,555
Special Mention | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	15,198	3,004
Special Mention | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,601	3,594
Special Mention | Residential Multi Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,141	1,873
Special Mention | All Other Loans
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		2,335
Substandard
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	4,697	7,304
Substandard | Commercial - Non Real Estate: - Commercial Real Estate:
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	5	7
Substandard | Commercial Real Estate Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	158	1,226
Substandard | Commercial Real Estate Non Owner Occupied
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	2,563	2,821
Substandard | Construction And Farmland Commercial
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	308	161
Substandard | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	30	36
Substandard | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	1,633	3,053
Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	117	134
Doubtful | Residential Equity Lines
Financing Receivable Recorded Investment [Line Items]
Financing Receivables		5
Doubtful | Residential Single Family
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	117	129
Performing Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	67,275	21,316
Nonperforming Financial Instruments
Financing Receivable Recorded Investment [Line Items]
Financing Receivables	$ 6	$ 5

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loancontract	Dec. 31, 2020USD ($)loancontract	Mar. 31, 2021USD ($)loan
Financing Receivable Modifications [Line Items]
Number of troubled debt restructured loans | loan	17	17
Total troubled debt restructured loans | $	$ 2,700	$ 3,300
Financing Receivable, Modifications, Nonaccrual, Number of Contracts | loan	2	3
Financing Receivable, Modifications, Nonaccrual, Recorded Investment | $	$ 149	$ 796
Number of deferral loans of interest and principal payments | loan		255	2
Deferrals on outstanding loan balances | $			$ 41,000
Number of contractions modified by granting concession	3	5
Number of consumer installment loan granted	1
Troubled debt restructuring modifications by granting a refinance	2
Consumer Installment
Financing Receivable Modifications [Line Items]
Number of contracts modified by changing the amortization period	2	1
Residential Single Family
Financing Receivable Modifications [Line Items]
Number of contracts modified by changing the amortization period	1	1
Number of residential loan by granting a lower interest rate	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, 2021USD ($)contract	Dec. 31, 2020USD ($)contract
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	3	5
Pre-Modification Outstanding Recorded Investment	$ 113	$ 1,629
Post-Modification Outstanding Recorded Investment	$ 113	$ 1,633
Residential Single Family
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	1	3
Pre-Modification Outstanding Recorded Investment	$ 98	$ 931
Post-Modification Outstanding Recorded Investment	$ 98	$ 935
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 Financing Receivable
Troubled Debt Restructuring Subsequent Periods [Line Items]
Number of Contracts | contract	2	1
Pre-Modification Outstanding Recorded Investment	$ 15	$ 13
Post-Modification Outstanding Recorded Investment	$ 15	$ 13

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, 2021	Dec. 31, 2020
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 34,020	$ 33,500
Less accumulated depreciation	15,771	14,775
Bank premises and equipment, net	18,249	18,725
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	18,561	18,498
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Bank premises and equipment, gross	$ 8,815	$ 8,358

Bank Premises and Equipment, _4

Bank Premises and Equipment, Net (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Property Plant And Equipment [Line Items]
Depreciation	$ 996	$ 1,028
Building and improvements [Member]
Property Plant And Equipment [Line Items]
Depreciation	482	500
Furniture and equipment [Member]
Property Plant And Equipment [Line Items]
Depreciation	$ 514	$ 527

Deposits (Composition of Deposi

Deposits (Composition of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Noninterest bearing demand deposits	$ 470,355	$ 407,576
Savings and interest bearing demand deposits:
NOW accounts	162,690	132,249
Money market accounts	251,862	207,837
Regular savings accounts	168,744	136,778
Savings and interest bearing demand deposits	583,296	476,864
Time deposits:
Balances of less than $250,000	58,427	59,621
Balances of $250,000 or greater	65,157	69,037
Time Deposits	123,584	128,658
Total deposits	$ 1,177,235	$ 1,013,098

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Reciprocal Money Market Accounts Domestic	$ 42,200	$ 34,600
Deposit overdrafts reclassified as loans	$ 231	$ 70

Deposits (Schedule of Outstandi

Deposits (Schedule of Outstanding Balance of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
2022	$ 107,507
2023	6,307
2024	2,449
2025	1,534
2026	5,780
Thereafter	7
Time Deposits	$ 123,584	$ 128,658

Borrowings (Summary of Informat

Borrowings (Summary of Information Related to Federal Funds Purchased) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Advances From Federal Home Loan Banks [Abstract]
Average balance during the year	$ 1	$ 1
Average interest rate during the year	0.66%	0.61%
Gross lines of credit at year-end	$ 78,000	$ 28,000
Unused lines of credit at year-end	$ 78,000	$ 28,000

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Federal Home Loan Bank Advances [Line Items]
Federal Home Loan Bank Advances	$ 0	$ 0
FHLB irrevocable letter of credit	60,000
Federal Home Loan Bank of Atlanta [Member]
Schedule of Federal Home Loan Bank Advances [Line Items]
Unused line of credit total	$ 244,300
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, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for loan losses	$ 1,845	$ 1,490
Share-based compensation	136	95
Accrued postretirement benefits	21	21
Home equity origination costs	67	50
Nonaccrual interest	65	76
Lease liabilities	1,110	864
Credit carryforward	973
Securities available for sale	46
Other	27	29
Total deferred tax assets	4,290	2,625
Deferred tax liabilities:
Property and equipment	659	713
Right-of-use assets	1,079	843
Securities available for sale		867
Total deferred tax liabilities	1,738	2,423
Net deferred tax asset	$ 2,552	$ 202

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Current tax expense	$ 3,203	$ 2,607
Deferred tax (benefit)	(1,437)	(471)
Total income tax expense	$ 1,766	$ 2,136

Income Taxes (Schedule of Incom

Income Taxes (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Statutory federal corporate tax amount	$ 2,685	$ 2,795
Tax-exempt interest (income)	(135)	(193)
Officer insurance (income)	(102)	(57)
Net tax credits	(686)	(439)
Other, net	4	30
Total income tax expense	$ 1,766	$ 2,136

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Effective income tax rate	13.81%	16.05%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Compensation expense	$ 850	$ 604
Grant date fair value of vested Restricted Stock	653	558
Vest date fair value of vested Restricted Stock	690	$ 561
Unrecognized compensation cost related to unvested Restricted Stock	$ 336
Weighted-average period for unrecognized compensation cost to be recognized	2 years
Service Period [Member] | Executive Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	3 years
Service Period [Member] | Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	3 years
Preformence Measure [Mmeber] | Executive Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting service period of grants	1 year

Stock-Based Compensation (Restr

Stock-Based Compensation (Restricted Stock Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Share Based Compensation [Abstract]
Nonvested, beginning of period	20,928	18,488
Granted	32,496	22,128
Vested	(21,261)	(19,238)
Forfeited	(425)	(450)
Nonvested, end of period	31,738	20,928
Nonvested, beginning of period	$ 29.98	$ 30.39
Granted	31.16	28.82
Vested	30.70	29.01
Forfeited	31.05	31.03
Nonvested, end of period	$ 30.70	$ 29.98

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
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	$ 1,500
Maximum age benefit could be reduced or forfeited	65 years
Supplemental income benefit liability	$ 15	23
Supplemental income benefit expense	$ 29	$ 29
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, 2021	Dec. 31, 2020
Commitments And Contingencies Disclosure [Abstract]
Required compensating balance on deposit	$ 250	$ 250

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Lessee Lease Description [Line Items]
Operating lease asset	$ 5,139	$ 4,014
Other Liabilities
Lessee Lease Description [Line Items]
Operating lease, liability	5,289	$ 4,113
Accounting Standards Update 2016-02 | Other Assets
Lessee Lease Description [Line Items]
Operating lease asset	1,300
Accounting Standards Update 2016-02 | Other Liabilities
Lessee Lease Description [Line Items]
Operating lease, liability	$ 1,300

Leases - Schedule of Lease Info

Leases - Schedule of Lease Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Lessee Lease Description [Line Items]
Right-of-use asset	$ 5,139	$ 4,014
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Weighted average remaining lease term	15 years	17 years
Weighted average discount term	2.99%	3.34%
Lease Cost
Operating lease cost	$ 376	$ 287
Short-term lease cost	19	16
Total lease cost	395	303
Cash paid for amounts included in the measurement of lease liabilities	314	239
Other Liabilities
Lessee Lease Description [Line Items]
Lease liability	$ 5,289	$ 4,113

Leases - Schedule of Maturity o

Leases - Schedule of Maturity of Lease Liability (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Twelve months ending December 31, 2022	$ 455
Twelve months ending December 31, 2023	473
Twelve months ending December 31, 2024	480
Twelve months ending December 31, 2025	504
Twelve months ending December 31, 2026	397
Thereafter	4,540
Total undiscounted cash flows	6,849
Discount	(1,560)
Other Liabilities
Lease liability	$ 5,289	$ 4,113

Transactions with Directors a_2

Transactions with Directors and Officers (Details) - Directors Principal Officersand Other Related Parties - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Related Party Transaction [Line Items]
Aggregate balance of loans to directors, principal officers, and their related parties	$ 5,400	$ 5,100
Total principal additions	1,300
Total principal payments	963
Aggregate balance of deposits from directors, principal officers and their related parties	$ 13,900	$ 16,600

Capital Requirements - Addition

Capital Requirements - Additional Information (Details)	12 Months Ended
	Dec. 31, 2021
Regulatory Capital Requirements [Abstract]
Capital conservation buffer in percentage	3.30%
Capital conservation buffer maintained	2.50%

Capital Requirements (Schedule

Capital Requirements (Schedule of Capital Requirements) (Details) - The Bank [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common Equity Tier 1 Capital	$ 107,570	$ 97,825
Total Capital to Risk Weighted Assets, Actual, Amount	116,420	104,957
Tier 1 Capital Risk Weighted Assets, Actual, Amount	107,570	97,825
Tier 1 Capital to Average Assets, Actual, Amount	$ 107,570	$ 97,825
Common Equity Tier One Capital to Risk Weighted Assets	10.44%	12.39%
Total Capital to Risk Weighted Assets, Actual, Ratio	11.30%	13.29%
Tier 1 Capital Risk Weighted Assets, Actual, Ratio	10.44%	12.39%
Tier 1 Capital to Average Assets, Actual, Ratio	8.84%	9.06%
Common Equity Tier One Capital Required for Capital Adequacy	$ 46,362	$ 35,540
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	82,421	63,182
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount	61,816	47,386
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount	$ 48,654	$ 43,213
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	$ 66,967	$ 51,335
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	103,026	78,977
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	82,421	63,182
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 60,817	$ 54,016
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, 2021USD ($)
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	$ 21.8
Restricted net assets	85.6
Funds available for loans or advances	$ 11.6

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, 2021	Dec. 31, 2020
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Commitments to extend credit	$ 21,886	$ 27,558
Unfunded commitments under lines of credit	171,406	146,202
Commercial and standby letters of credit	$ 10,397	$ 8,139

Financial Instruments with Of_4

Financial Instruments with Off-Balance-Sheet Risk - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Collateralized letters of credit outstanding	$ 10.2
Excess of insurance limits held in cash accounts	$ 7.6

Schedule of Noninterest Income

Schedule of Noninterest Income Disaggregated by Major Source (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Disaggregation Of Revenue [Line Items]
Gain (loss) on the sale and disposal of bank premises and equipment	[1]										$ 5
Gain on sale of securities										$ 24	687
Gain on sale of loans										1,658
Bank owned life insurance income										527	310
Other operating income	[2]									881	502
Total noninterest income		$ 3,362	$ 2,881	$ 2,650	$ 2,427	$ 2,251	$ 2,216	$ 2,422	$ 1,690	11,320	8,579
Trust asset management fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									1,891	1,398
Overdrawn account fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									853	695
Monthly and other service charges
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									234	225
Interchange fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									227	372
ATM fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									3,014	2,578
Brokerage commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	[1]									1,164	916
Secondary market fees
Disaggregation Of Revenue [Line Items]
Noninterest income										236	431
Other charges and fees
Disaggregation Of Revenue [Line Items]
Noninterest income	[3]									$ 611	$ 460
[1]	Income within the scope of Topic 606.
[2]	Includes income within the scope of Topic 606 of $834 thousand and $505 thousand for the years ended December 31, 2021 and 2020, respectively. The remaining balance is outside the scope of Topic 606.
[3]	Includes income within the scope of Topic 606 of $485 thousand and $390 thousand for the years ended December 31, 2021 and 2020, 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, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Quarterly Financial Information Disclosure [Abstract]
Total interest and dividend income	$ 11,465	$ 10,782	$ 10,413	$ 10,016	$ 9,990	$ 10,150	$ 9,661	$ 9,107	$ 42,676	$ 38,908
Net interest income after provision for loan losses	10,792	10,099	9,695	8,930	8,696	9,367	8,005	8,102	39,516	34,170
Noninterest income	3,362	2,881	2,650	2,427	2,251	2,216	2,422	1,690	11,320	8,579
Noninterest expenses	11,883	9,523	8,727	7,916	8,087	7,465	7,014	6,875	38,049	29,441
Income before income taxes	2,271	3,457	3,618	3,441	2,860	4,118	3,413	2,917	12,787	13,308
Net income	$ 2,283	$ 2,873	$ 3,003	$ 2,862	$ 2,506	$ 3,406	$ 2,819	$ 2,441	$ 11,021	$ 11,172
Net income per common share, basic	$ 0.66	$ 0.83	$ 0.87	$ 0.84	$ 0.74	$ 0.99	$ 0.83	$ 0.71	$ 3.20	$ 3.27
Net income per common share, diluted	0.66	0.83	0.87	0.84	0.74	0.99	0.83	0.71	3.20	3.27
Dividends declared, per share	$ 0.28	$ 0.28	$ 0.27	$ 0.27	$ 0.26	$ 0.26	$ 0.26	$ 0.26	$ 1.10	$ 1.04

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, 2021	Dec. 31, 2020
Securities available for sale
Total assets at fair value	$ 192,379	$ 164,955
Derivative:
Interest rate swaps on loans	58
Liabilities:
Interest rate swaps on loans	58
Total liabilities at fair value	58
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	192,379	164,955
Derivative:
Interest rate swaps on loans	58
Liabilities:
Interest rate swaps on loans	58
Total liabilities at fair value	58
Obligations Of U.S. Government Corporations And Agencies [Member]
Securities available for sale
Total assets at fair value	14,921	17,483
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	14,921	17,483
U.S. Treasury Notes [Member]
Securities available for sale
Total assets at fair value	2,003
U.S. Treasury Notes [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	2,003
Mortgage-Backed Securities [Member]
Securities available for sale
Total assets at fair value	151,012	119,009
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	151,012	119,009
Obligations Of States And Political Subdivisions [Member]
Securities available for sale
Total assets at fair value	21,877	27,213
Obligations Of States And Political Subdivisions [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	21,877	27,213
Subordinated Debt [Member]
Securities available for sale
Total assets at fair value	2,508	1,250
Subordinated Debt [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale
Total assets at fair value	$ 2,508	$ 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, 2021	Dec. 31, 2020
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%
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	5.00%	4.00%
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%
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%

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, 2021	Dec. 31, 2020
Nonfinancial Assets:
Other real estate owned, net of allowance		$ 607
Nonrecurring [Member] | Financial Assets [Member]
Financial Assets:
Impaired loans	$ 746	1,355
Nonrecurring [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance		607
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	$ 746	1,355
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Nonfinancial Assets [Member]
Nonfinancial Assets:
Other real estate owned, net of allowance		$ 442

Fair Value Measurements (Compan

Fair Value Measurements (Company's Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial Assets:
Cash and short-term investments	$ 64,068	$ 79,920
Securities available for sale, at fair value	192,321	164,955
Restricted Investments	1,049	1,267
Loans held for sale	876
Loans, net	976,933	829,238
Bank owned life insurance	23,236	12,709
Accrued interest receivable	2,634	3,441
Interest rate swaps on loans	58
Financial Liabilities:
Deposits	1,177,235	1,013,098
Accrued interest payable	67	72
Interest rate swaps on loans	58
Fair Value [Member]
Financial Assets:
Cash and short-term investments	64,068	79,920
Securities available for sale, at fair value	192,321	164,955
Restricted Investments	1,049	1,267
Loans held for sale	876
Loans, net	969,612	819,691
Bank owned life insurance	23,236	12,709
Accrued interest receivable	2,634	3,441
Interest rate swaps on loans	58
Financial Liabilities:
Deposits	1,177,582	1,013,600
Accrued interest payable	67	72
Interest rate swaps on loans	58
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Financial Assets:
Cash and short-term investments	64,068	79,920
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets:
Securities available for sale, at fair value	192,321	164,955
Restricted Investments	1,049	1,267
Loans held for sale	876
Bank owned life insurance	23,236	12,709
Accrued interest receivable	2,634	3,441
Interest rate swaps on loans	58
Financial Liabilities:
Deposits	1,177,582	1,013,600
Accrued interest payable	67	72
Interest rate swaps on loans	58
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets:
Loans, net	$ 969,612	$ 819,691

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, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ 3,279	$ 1,482
Other comprehensive (loss) income before reclassifications	(4,322)	2,960
Reclassifications from other comprehensive income (loss)	(24)	(684)
Tax effect of current period changes	912	(479)
Total other comprehensive income (loss)	(3,434)	1,797
Ending balance	(155)	3,279
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	3,260	1,438
Other comprehensive (loss) income before reclassifications	(4,322)	2,993
Reclassifications from other comprehensive income (loss)	(24)	(687)
Tax effect of current period changes	912	(484)
Total other comprehensive income (loss)	(3,434)	1,822
Ending balance	(174)	3,260
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	19	44
Other comprehensive (loss) income before reclassifications		(33)
Reclassifications from other comprehensive income (loss)		3
Tax effect of current period changes		5
Total other comprehensive income (loss)		(25)
Ending balance	$ 19	$ 19

Change in Accumulated Other C_4

Change in Accumulated Other Comprehensive Income (Loss) (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	$ 24	$ 684
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	5	144
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income Loss [Line Items]
Reclassification adjustments	$ 24	687
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
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, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Loans, net of allowance	$ 976,933	$ 829,238
Other assets	26,306	22,731
Total assets	1,303,038	1,130,152
Liabilities and Shareholders’ Equity
Total liabilities	1,192,758	1,025,078
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 2021, 3,454,128 including 31,738 unvested restricted stock; issued and outstanding 2020, 3,405,035 including 20,928 unvested restricted stock	8,556	8,460
Surplus	12,115	10,811
Retained earnings	89,764	82,524
Accumulated other comprehensive (loss) income	(155)	3,279	$ 1,482
Total shareholders’ equity	110,280	105,074	$ 96,326
Total liabilities and shareholders’ equity	1,303,038	1,130,152
Parent Company [Member]
Assets
Cash held in subsidiary bank	2,739	902
Loans, net of allowance		2,932
Investment in subsidiary	107,416	101,104
Other assets	125	136
Total assets	110,280	105,074
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 2021, 3,454,128 including 31,738 unvested restricted stock; issued and outstanding 2020, 3,405,035 including 20,928 unvested restricted stock	8,556	8,460
Surplus	12,115	10,811
Retained earnings	89,764	82,524
Accumulated other comprehensive (loss) income	(155)	3,279
Total shareholders’ equity	110,280	105,074
Total liabilities and shareholders’ equity	$ 110,280	$ 105,074

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, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Interest and Dividend Income
Interest and fees on loans									$ 39,871	$ 35,273
Interest Expense
Income Tax Expense									1,766	2,136
Net income	$ 2,283	$ 2,873	$ 3,003	$ 2,862	$ 2,506	$ 3,406	$ 2,819	$ 2,441	11,021	11,172
Comprehensive income									7,587	12,969
Parent Company [Member]
Interest and Dividend Income
Dividends from subsidiary bank									1,500	4,250
Interest and fees on loans									64	133
Total income									1,564	4,383
Interest Expense
Other operating expenses									319	295
Total expenses									319	295
Income before income tax (benefit) and equity in undistributed earnings of subsidiary bank									1,245	4,088
Income Tax Expense									(31)	(34)
Income before equity in undistributed earnings of subsidiary bank									1,276	4,122
Equity in Undistributed Net Income of Subsidiary Bank									9,745	7,050
Net income									11,021	11,172
Comprehensive income									$ 7,587	$ 12,969

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, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Cash Flows from Operating Activities
Net income	$ 2,283	$ 2,873	$ 3,003	$ 2,862	$ 2,506	$ 3,406	$ 2,819	$ 2,441	$ 11,021	$ 11,172
Adjustments to reconcile net income to net cash provided by operating activities:
Provision For Loan Losses									1,483	1,457
Changes in assets and liabilities:
Decrease (increase) in other assets									6	(1,397)
Net cash provided by operating activities									14,221	11,006
Cash Flows from Investing Activities
Proceeds from sales of loans									100,176
Net cash (used in) investing activities									(190,979)	(201,474)
Cash Flows from Financing Activities
Cash dividends paid									(3,261)	(3,198)
Issuance of common stock, employee benefit plan									179	227
Retirement of common stock									(149)	(1,854)
Net cash provided by financing activities									160,906	236,729
Parent Company [Member]
Cash Flows from Operating Activities
Net income									11,021	11,172
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation expense									850	604
Provision For Loan Losses									(21)
Undistributed earnings of subsidiary bank									(9,745)	(7,050)
Changes in assets and liabilities:
Decrease (increase) in other assets									10	5
Net cash provided by operating activities									2,115	4,731
Cash Flows from Investing Activities
Proceeds from sales of loans									2,953	7
Net cash (used in) investing activities									2,953	7
Cash Flows from Financing Activities
Cash dividends paid									(3,261)	(3,198)
Issuance of common stock, employee benefit plan									179	227
Retirement of common stock									(149)	(1,854)
Net cash provided by financing activities									(3,231)	(4,825)
Increase (decrease) in cash									1,837	(87)
Cash and Cash Equivalents
Beginning				$ 902				$ 989	902	989
Ending	$ 2,739				$ 902				$ 2,739	$ 902

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, 2021	Dec. 31, 2020
Real Estate [Abstract]
Balance, beginning	$ 607	$ 183
Net loans transferred to OREO	266	441
Gain on foreclosure		166
Sales	(781)	(183)
Valuation adjustments	$ (92)
Balance, ending		$ 607

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
Real Estate Properties [Line Items]
Other real estate, gross	$ 607
Total	607	$ 183
Residential Real Estate
Real Estate Properties [Line Items]
Other real estate, gross	165
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
Receivables [Abstract]
Mortgage Loans In Process Of Foreclosure Number | contract	1
Mortgage Loans in Process of Foreclosure, Amount | $	$ 68

Qualified Affordable Housing _2

Qualified Affordable Housing Project Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Federal Home Loan Banks [Abstract]
Amortization Method Qualified Affordable Housing Project Investments	$ 2,600	$ 2,800
Qualified Affordable Housing Project Investments, Commitment	11	446
Amortization Method Qualified Affordable Housing Project Investments, Amortization	229	229
Affordable Housing Tax Credits and Other Tax Benefits Expected to Be Received	349
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 385	$ 384